3DS for AI agents · Solana test network

The check before an agent's payment
goes out.

Every agent stops at the same spot: money moving. Tiba reads the bill against your own record, pays only when they match, and refuses — with a receipt — when they don't.

Faris Irfantiba.rizqey.com
02
The problem

Agents stop when
money moves.

Approve every payment yourself, and you're on call for your own agent.
Or hand it a key and hope.
A spending cap doesn't fix either one — it still can't tell a real bill from a fake one.
Now AI can turn a messy bill into exact fields, and agents are starting to pay without a person clicking approve.
03
01 · Permission slip

You sign what it's allowed to do.

Write the job in plain English. Tiba drafts the scope, budget and expiry. You review it, then sign.

04
02 · Checked before it moves

The bill can't raise what you pay.

Once agents pay bills, the bill itself becomes the attack. Tiba reads the bill and your own record in two separate checks, and the check that reads your record is never shown the bill. The amount paid always comes from your record. If the bill names a different job, Tiba refuses.

05
03 · Receipts

Every outcome gets a receipt anyone can open.

Paid or refused, the receipt says who asked, which rule allowed it, and what happened on Solana.

06
04 · Your limits

You set the limits. The agent can only read them.

A ceiling per payment, hourly and daily limits, saved recipients only, and a freeze switch. Big payments still come back to you.

07
Proof so far

Correct bills get paid.
Padded or fake ones don't.

20 / 20
Correct bills paid
10 / 10
Fake or padded bills refused
0 / 20
Correct bills wrongly refused
13 s
Per decision
Our own test, 29 Aug 2026, on a practice payment rail. We wrote the 30 bills ourselves. Not live figures.
1st place · Superteam Malaysia Solana Lab · Aug 2026
Security audit: 6 of 6 issues fixed · 15 Sep 2026
Live on Solana's test network · agents can also pay for services over x402
Of the 18 we compared as of 25 Sep 2026, none offered both a bill check and a public receipt for a refusal
08
Market

Agents will spend trillions.
Every payment needs a yes or a no.

$3–5T
of all buying run by AI agents by 2030 (mostly shopping). Paying people is one slice.
McKinsey, Oct 2025. US retail alone: up to $1T.
$303B
in stablecoins today, heading to about $420B by year end
Stablecoin Beat, 10 Sep 2026. Year-end projection: Citi, via Spark.
36 YC companies build agent-spending limits. 92 more sit next to them. Of the 18 we compared as of 25 Sep 2026, none offered both a bill check and a public receipt for a refusal.
09
Home rail: Solana · proof it travels: Tempo, Zcash

Built for one buyer first: bounty and grant payouts.

Communities and grant programs that pay contributors and bounties — starting with Superteam Malaysia and the KrackedDevs crowd. An agent pays a contributor; Tiba reads the claim against the bounty and the record, pays or refuses, leaves a receipt either way.

Solana · home rail
Where Tiba already runs, and where it won Superteam Malaysia's Solana Lab.
Tempo · proof
Built by Stripe and Paradigm, fees paid in the stablecoin. Built and tested, not live — for contractors and suppliers too.
Zcash · proof
Payments hidden by default, a viewing key for the auditor. Built and tested, not live — for private payroll and grants too.
Same permission slip, same limits, same receipt, on any rail. The buyer comes first; the chain is a setting.
10
How it scales

Same check, any company
whose agents pay people.

Today
Builders on Solana, Tempo and Zcash. Test networks, free.
Next
Real money, after a second security audit.
Then
Any company whose agents pay suppliers, freelancers or bounties.
It compounds: every paid and refused receipt is public, so each payment adds to a record of which payees and bills passed. Free to start, then a small fee per checked payment.
11
For Colosseum

Every agent payment will need a yes or a no.

Card payments have 3DS, a check before the money moves. Agents get spending limits. Of the 18 we compared as of 25 Sep 2026, none offered both a bill check and a public receipt for a refusal. Tiba is that check, on any rail, for any payer and any bill, not one supply chain. Live on Solana's test network. Next: three outside teams from the Superteam Malaysia and KrackedDevs crowd, each with a public receipt and a refusal.

Faris Irfantiba.rizqey.com
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