Whire
Infrastructure for Europe's autonomous payment era

Give AI agents the ability to pay and get paid.

Whire is the transaction layer between agents, merchants, and banks, turning autonomous intent into secure, compliant, real-time settlement.

Explore how your agent can start transacting in minutes, not weeks.

Overview

SEPA instant finality

<10s

Verification of payee

Built-in

Card rails dependency

Zero

One focused layer for intent capture, policy checks, account routing, and irrevocable settlement feedback.
Agentic Gateway

Built to make autonomous transactions practical.

Purpose-built middleware that helps agents transact safely, instantly, and with compliance logic embedded from day one.

01

Gateway

Intent-to-IBAN orchestration

Translate agent purchase intent into bank-ready payment instructions routed through SEPA Instant rails.

Bridge AI decisions to direct account movement without human checkout loops.
02

Guardrails

Protocol-level policy enforcement

Set spend limits, merchant constraints, and approval logic once, then enforce them before funds move.

Keep autonomous payments controlled by design, not by manual intervention.
03

Compliance

EU-ready transaction handshake

Identity checks and delegated authorization are embedded so machine-to-machine payments stay compliant.

Verification of payee and regulated routing are handled in the transaction flow.
04

Architecture

Zero-card payment rails

Replace card-network overhead with direct agent-to-agent settlement on account-native infrastructure.

Improve margin by removing legacy gateway tax from autonomous commerce.
05

Visibility

Real-time settlement visibility

Track intent, policy decisions, and final settlement state in one clear operational surface.

Know what executed, why it executed, and when funds reached finality.
06

Developer Experience

SDK-first autonomous checkout

Integrate quickly with existing agents through a simple SDK and API model designed for production velocity.

Plug in once, define policies, and let agents transact safely at scale.

How It Works

Integrate once, enforce policy, and settle from intent to bank rails in seconds.

Intent is established

A payment request is created with clear context so the next step is automatic.

Payment checks are verified

Built-in safeguards confirm the payment details before funds are routed.

SEPA instant settles in under 10s

Funds move quickly with near real-time confirmation and visible final status.