Humo and Gorgona AI to explore agent payments infrastructure

Humo and Gorgona AI will research an agent payment infrastructure.

The national payment system Humo and the technology company Gorgona AI have signed a memorandum of cooperation, agreeing to jointly study an agent payment infrastructure. Agent payments are transactions that a software agent can initiate on behalf of a user within the limits of predefined permissions. This information was announced on August 24 at the Silk Road Finance & Technology Forum in Tashkent.

The parties plan to define approaches to the functioning of such a payment infrastructure, including methods for confirming the identity of the software agent and verifying its permissions. Particular attention will be paid to restrictions on the amount and duration of permissions, the ability to revoke them, and recording agent actions in a transaction log.

Agent payments differ from standard autopayments. With autopayments, a predetermined operation is executed according to a set condition or schedule. With agent payments, the software agent independently determines which operation to create and when to initiate it, but acts solely within the permissions granted to it by the user. As part of the memorandum, Humo and Gorgona AI intend to develop a payment mandate model. It should include a maximum amount for an individual transaction, a limit for a specific period, a validity period for the mandate, and the ability to revoke it at any time.

Another area of work will be identifying the software agent and confirming its authority to initiate a specific transaction. The parties also plan to create a control layer that will verify the payment's compliance with the issued mandate, limit the agent's authority, and record each of its actions.

Furthermore, the companies will study international practices in the field of agent payments and evaluate their feasibility in Uzbekistan's national payment infrastructure.

The memorandum is a framework. In the first stage, the parties will form a working group and agree on technical requirements. Prototype scenarios will be tested in an isolated environment using synthetic data.

The memorandum does not provide for the exchange of real payment and personal data. Specific joint projects will be formalized through separate agreements.