Catena Labs

Governance and banking platform for AI agents (building).

4.0 / 5 · PSP Dex editorial scoreCustom pricingGatewayStandard risk

Last verified: October 2026

Overview

Catena Labs is building an AI-native financial institution: a governance and banking platform where agents hold accounts and transact inside deterministic policies with full audit trails. Its live, verifiable artifact is ACK, the open-source Agent Commerce Kit: ACK-ID gives agents verifiable identities using decentralized identifiers and verifiable credentials, its Know Your Agent layer, and ACK-Pay supports the x402 payment pattern. The site presents payments via cards, ACH, wires and stablecoins as part of the platform, but publishes no onboarding, no custody model and no pricing, and describes the institution as something it is building with partners. Status: building, not generally available.

Pricing

Pricing not published. Platform is building, not generally available.

Best for

AI agent payments / agentic payments

Key features

ACK
Know Your Agent
Agent identity
Stablecoins
ACK-ID decentralized identifiers and verifiable credentials
ACK-Pay x402 payment pattern

What we like

One to watch for agent banking and identity standards
Open-source Agent Commerce Kit is a live, verifiable artifact
Governance approach centers on deterministic policies and audit trails

Watch out for

Building, not generally available
Not yet a platform you can sign up for and process with
No onboarding, custody model or pricing published

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