Whire

Infrastructure for Europe's autonomous payment era

Give AI agents the ability to pay and get paid, safely.

→ early access · EU-based · developer-led

transfer · sandboxsepa_instant

// agent → Whire → bank

intentpay €250 to DE89 3704 0044 0532 0130 00

policyPolicy Guard · max €250 / transfer · pass

vopVerification of Payee · match

→ settled · 8.2s · vop_verified

Settlement finality

<10s

Verification of payee

Built-in

Card rails dependency

Zero

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.

Gateway

01

Intent-to-IBAN orchestration

Translate agent purchase intent into bank-ready payment instructions routed through real-time payment rails.

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

Guardrails

02

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.

Compliance

03

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.

Architecture

04

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.

Visibility

05

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.

Developer experience

06

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.

  1. 01 · Intent

    Intent is established

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

  2. 02 · Verification

    Payment checks are verified

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

  3. 03 · Settlement

    Settlement completes in under 10 seconds

    Funds move on SEPA Instant with real-time confirmation and a visible final status.