The remittance protocol for agents — deploy an agent to find the cheapest route to send money safely.
Your agent compares providers, picks the best price, and sends money only when you confirm.
Works across agent and payment systems
So agents can discover routes, get a quote, and complete transfers using common formats.
This is a protocol + reference implementation.
Not a bank, custodian, or money
transmitter.
Cheapest total cost (including FX) for KES 10,000 net.
Mom receives: KES 10,000 ✅
Flat fee: $0.01 only
Estimated savings vs typical apps: ~$2.05 (≈2.6%)
(illustrative; varies by corridor + time)
Route: InstaSend → M‑Pesa
Amount: KES 10,115 → Mom (+2547•••)
Net cash-out target: KES 10,000
Reply with PIN /confirm #### to execute ✅
(or /cancel to abort)
Receipt generated • Tracking ID: rp_7f3a…
You paid: $78.63 • Mom received: KES 10,000
Flat fee: $0.01 only • Saved to the audit log
Net delivery comparison
Compare what your recipient gets — after fees and FX markup.
| Provider | Send | Mid‑market FX (ref) | Applied FX rate | FX markup vs mid | Transfer fee | M‑Pesa withdrawal | Net received (KES) | Explicit fees (EUR) |
|---|---|---|---|---|---|---|---|---|
| RemitProtocol | €100 | 148.2 | 148.2 | 0.00% (0 bps) | €0.01 | KES 33* | KES 14,786 | €0.01 |
| Wise | €100 | 148.2 | 147.8 | 0.27% (≈27 bps) | €1.20 | KES 105 | KES 14,485 | €1.20 |
| Remitly | €100 | 148.2 | 145.5 | 1.82% (≈182 bps) | €1.99 | KES 105 | KES 14,155 | €1.99 |
| WorldRemit | €100 | 148.2 | 143.9 | 2.90% (≈290 bps) | €2.99 | KES 105 | KES 13,850 | €2.99 |
Mid‑market reference rate: 148.2 KES/EUR (illustrative; timestamped in production).
*FX markup is the hidden fee inside the exchange rate (spread vs mid‑market).
*RemitProtocol optimizes send amount to land within the lowest M‑Pesa withdrawal tier. Rates illustrative.
A five-step protocol flow for agent-native remittance
Design for intent, consent, and proof. Separate reasoning from execution. Keep everything auditable.
Discover
Agent checks what routes are available and who the recipient is.
Quote
Shows the exact cost and what arrives.
Optimize
Picks the cheapest way to hit the target amount.
Authorize
You approve with a confirm step.
Execute
Sends it and returns tracking + receipt.
A crisp demo that proves the thesis
Show the protocol primitives, then show the payout. Keep it simple. Make it auditable.
From intent to delivery in four steps
The protocol handles routing, optimization, and execution — you just say what you want.
You speak
“Send 5000 KES to Mom” via Telegram.
Agent reasons
Resolves contact, checks tiers, produces a staged intent + quote.
You confirm
Review breakdown + confirm with PIN. No confirmation = no transfer.
Money arrives
M‑Pesa payout executes. Recipient receives KES with a tracking ID.
Built for explicit consent, auditability, and trust
We separate agent reasoning from execution, require explicit user authorization, and record all critical actions.
Explicit consent
No money moves without an explicit confirmation step.
Full audit trail
Every action is logged immutably — no silent failures.
Hard guardrails
Circuit breakers that cannot be overridden by the AI.
Trust through transparency
Protocol primitives, schemas, and reference implementation are open for audit.
Built to work with emerging agent and payment standards
RemitProtocol complements commerce and payment protocols by specializing in remittance intents, compliance guardrails, and payout execution across rails.
Commerce protocols solve buying. RemitProtocol solves compliant remittance execution and recipient-first optimization.
Request a demo or join the waitlist
We’ll share a one‑pager, demo script, and the live Telegram walkthrough.