StableKYA — The Compliance Layer for Agentic Commerce

The Compliance Gap

From "Card Not Present" to "Human Not Present"

Traditional KYC was designed to verify humans at a counter. It cannot fingerprint software agents making autonomous financial decisions at machine speed. When an AI agent initiates a $3,500 USDC transfer on behalf of a corporation, who is accountable? What authority was delegated? What limits apply?

Agents making nanopayments at machine speed need real-time compliance, not batch review. The legacy infrastructure — built for humans filling out forms — cannot keep up.

The GENIUS Act (signed July 2025, effective January 2027) and the FATF Travel Rule create legal obligations that apply whether the transactor is human or machine. The compliance gap is no longer theoretical — it's a regulatory deadline.

Feature	Traditional Card Networks	AI-Native Financial Infrastructure
Primary User	Human	AI Agent / Digital Worker
Transaction Frequency	Low to Moderate	Ultra-High (Machine Speed)
Minimum Value	>$0.50 (fees)	Nanopayments (<$0.001)
Identity Model	KYC / Physical	KYA / Cryptographic
Settlement Time	T+1 to T+3	Near-Instant (Sub-second)
Core Rail	ISO 20022 / Legacy Bank	Programmable Stablecoins / L1

The Platform

Eight Compliance Capabilities, One Platform

Each capability maps to a regulatory requirement. Each has an interactive demo, a compliance narrative, and standards alignment.

Engine

End-to-end compliance pipeline. Seven checks from DID resolution to cryptographic health.

Gate Interactive Demo

Identity

Six DID methods, benchmarked. Resolution latency, compliance mapping, ACK-ID alignment.

Gate W3C DID Core, ACK-ID

Delegation

Authority chains with attenuation. Each level narrows — never amplifies — permissions.

Gate GENIUS Act §4(a), BSA

Capability

Programmable rulebook enforcement. Five-check evaluation against the capability envelope.

Gate AML/CFT, FATF R.16

Revocation

Cascade kill in seconds. Revoke a principal and watch authority drain from every sub-agent.

Obligation BSA SAR, Incident Response

Privacy

Zero-knowledge agent verification. Prove compliance without revealing credentials or PII.

Gate GENIUS Act §7, GDPR

Settlement

Compliance depth by chain. Arc, Base, Tempo — visualized from L1 consensus to L5 application.

Monitor Arc, Base, Tempo

Quantum

Cryptographic health assessment. Flag quantum-vulnerable Ed25519 signatures, map NIST migration.

Obligation NIST FIPS 203/204/205

Ecosystem Fit

Built for the ACK Ecosystem

ACK-ID

We extend ACK-ID with six DID methods, ZKP verification, cascade revocation, and quantum readiness assessment. Every identity check maps to a regulatory citation.

ACK-Pay

We wrap ACK-Pay with capability enforcement, jurisdiction-aware rules, sanctions screening, and audit trail generation. Compliance before settlement.

Arc Network

We map Arc's compliance architecture from L1 to L5, with confidential transfer analysis and regulatory view key demonstration. Compliance sinks deeper on purpose-built chains.

Catena Labs Alignment

Roadmap Coverage

Catena Labs' published roadmap lists eight capability priorities. StableKYA demonstrates seven with working code.

Catena Roadmap Item	StableKYA Coverage	Status
Additional DID methods	6 methods with resolution benchmarks	✓ Live
Zero-knowledge proofs	zkKYC explorer + agent ZK payment flow	✓ Live
Improved credential revocation	Cascade simulator with staggered timing	✓ Live
Agent registries	Delegation tree with authority attenuation	✓ Live
Reputation scoring	Capability envelope model (foundation)	◔ Partial
Post-quantum readiness	Exposure checker + NIST migration map	✓ Live
Compliance systems	50+ jurisdictions, GENIUS Act mapping	✓ Live
Arc integration	Stack diagram + confidential transfer demo	✓ Live