Agentic commerce does not eliminate compliance requirements; it heightens the need for current, transaction-specific controls as AI agents increase the speed, scale and autonomy of transactions

SCOTTSDALE, Ariz., Sept. 8, 2026 /PRNewswire/ — Last week, ChainIT published “Provable Authority” to address a fundamental question for the emerging agentic economy: Who authorized the AI agent, within what limits and for which exact action? Today, ChainIT, a digital verification and compliance platform, announced the release of “Provable Compliance: A Protocol for Runtime Compliance Evidence and Transaction-Specific Decisioning,” a companion technical white paper describing the ChainIT Compliance Protocol within the ChainIT Transaction Truth Architecture. It addresses the next operational question: Even when valid authority exists, do current compliance evidence and the organization’s applicable policy permit this specific action to proceed now—whether it is initiated by an AI agent, an authorized person, a group, an organization or an organization-controlled workflow?

Agentic commerce does not eliminate compliance requirements; it compresses the time available to evaluate them as AI agents operate continuously and at machine speed. Financial institutions and businesses already maintain customer due diligence, sanctions screening, transaction monitoring, licensing, beneficial ownership and other compliance programs. The challenge is that identity, authority, compliance evidence, policy, review and payment approval often remain fragmented across separate systems. A prior check may not show which source and policy were current, what decision was reached or whether that decision was bound to the exact action that followed.

An AI agent may be properly authorized to pay an approved vendor and still need to be stopped from completing a particular transaction. A sanctions or ownership record may have changed, the destination may be new, a license may no longer satisfy policy, or an institution-generated alert may require review. Provable Compliance is designed to evaluate what applies at the moment of reliance without turning one favorable check into a permanent, reusable compliance badge.

Provable Compliance is designed to make the resulting decision attributable, time-bounded and transaction-specific. The architecture uses modular Evidence Assertion VDTs—Validated Data Tokens—to preserve source class, provenance, observation time, confidence, permitted purpose and privacy classification. A versioned Compliance Policy Profile selects the applicable requirements. The ChainIT Business Rules Engine returns explicit, reason-coded predicates, and the organization-configured ChainIT Workflow Engine produces a signed Compliance Decision VDT with a disposition such as Allow, Allow with Controls, Step-Up, Review, Hold, Reject, Prohibit or Stale/Unknown.

“Last week, we addressed who authorized the AI agent and what the agent was permitted to do. Provable Compliance addresses the next question: even when authority exists, do current compliance evidence and the organization’s policy permit this specific action right now?” said Jeremy Blackburn, Chief Executive Officer of ChainIT. “Agentic commerce does not eliminate compliance requirements; it compresses the time available to evaluate them. AI agents should not operate from a check performed weeks or months earlier, and a favorable result should never become standing authority to move money. Before an agent—or any authorized person or workflow—takes a consequential action, organizations need a current, attributable and auditable decision. That is the problem Provable Compliance is designed to solve.”

Together, the two white papers define the ChainIT Authority Protocol and ChainIT Compliance Protocol as constituent controls within ChainIT Transaction Truth, the company’s zero-trust transaction control, execution and evidence architecture. Identity establishes who is present; Authority determines who or what may act and within what bounds; and Compliance determines whether current compliance evidence and policy permit the action now. Before value may move, the control path must still verify scope, approvals, freshness, capacity, exact instruction binding and a single-use execution credential. The resulting Transaction Truth is a source-attributed, time-bounded, purpose-specific and independently verifiable record of the parties, authority, evidence, policy, transaction terms, execution, settlement, reconciliation and outcome.

Core Technical Pillars

• Source-attributed, time-bounded evidence: Separate Evidence Assertion VDTs preserve the source class, source version, observation time, confidence, purpose and privacy treatment for each relevant fact or institution-generated state.
• Versioned policy and deterministic decisioning: A Compliance Policy Profile selects the requirements for the institution, product, role, counterparty, jurisdiction, rail and reliance event; the BRE returns explicit predicates and the organization’s Workflow Engine determines the disposition.
• Runtime re-evaluation and scoped enforcement: Evidence freshness is evaluated at the moment of reliance, with live or event-driven refresh where required. A material change affects only the dependent subject, activity, product, counterparty, jurisdiction or transaction unless law or policy requires broader blocking.
• Compliance-to-authority execution controls: A final Allow in a Compliance Decision VDT is one input to the ChainIT Authority Protocol—not payment authority. The final protocol must still verify identity, ARP authority, scope, approvals, capacity, the exact transaction digest and a valid single-use execution credential before value moves.
• Controlled disclosure and append-only evidence: Subjects, institutions, payment or technology partners, and regulators receive only the information appropriate to their role, while append-only lifecycle VDTs and Valitorum preserve what evidence was relied upon, what decision was made and what occurred.

“Compliance is not a permanent badge that follows a person, business or AI agent everywhere,” said Russell Lessard, Chief Compliance Officer of ChainIT. “Sanctions, AML monitoring, PEP risk, identity assurance, licensing, beneficial ownership and payment-transparency requirements all operate differently. A proposed action may be allowed, allowed with controls, held for review or prohibited depending on the current compliance evidence, jurisdiction and policy. Provable Compliance preserves those distinctions and records the decision while disclosing only what each recipient is authorized to receive.”

The framework is intended for financial institutions, payment companies, stablecoin issuers, marketplaces, technology providers and enterprises evaluating activity initiated by people, groups, organizations, organization-controlled workflows and AI agents. It does not replace a regulated institution’s AML/CFT, sanctions or other compliance program and does not create a universal legal determination. Instead, it provides an evidence-and-decision layer that can be integrated with existing institutional policies, review processes and execution controls.

Financial institutions, payment companies, stablecoin issuers, technology companies, developers, compliance leaders and enterprise organizations can download “Provable Compliance” at https://chainit.com/chainit-provable-compliance-white-paper/. Last week’s “Provable Authority” white paper is available at https://chainit.com/chainit_provable_authority_whitepaper/.

About ChainIT

ChainIT provides digital identity, business verification, authority, compliance evidence, payments and auditable workflow solutions that help organizations make business relationships and transactions commercially verifiable. ChainIT’s platform supports KYB, KYC, identity verification, authority validation, beneficial ownership workflows, sanctions and watchlist screening, compliance documentation, ongoing monitoring, and immutable audit evidence through Validated Data Tokens (VDTs).

By helping organizations verify people, businesses, authority, compliance evidence and transaction outcomes through source-attributed evidence, automated workflows and immutable records, ChainIT enables customers to reduce risk, streamline onboarding, improve transparency and make critical operational decisions based on verified and current information.

New white paper introduces pre-execution authority controls for employees, owners, organizations,
workflows and AI agents—before money moves

SCOTTSDALE, Ariz., Sept. 2, 2026 /PRNewswire/ — ChainIT, a digital verification and compliance platform that helps organizations validate identities, businesses, authority and compliance status through trusted data sources and auditable workflows, today announced the release of “Provable Authority,” a technical white paper introducing a pre-execution framework for determining whether a person, business, workflow or autonomous AI agent is authorized to perform one exact action before money, data, assets or contractual rights move.

Deloitte’s Center for Financial Services projects that generative-AI-enabled fraud losses in the United States could reach $40 billion by 2027, up from $12.3 billion in 2023.[1] The Global Anti-Scam Alliance estimates that $442 billion was lost to scams across 42 surveyed markets during the preceding year.[2]

Financial institutions and businesses have invested heavily in authentication, transaction monitoring and fraud detection. Yet a valid login, signature or cryptographic key does not necessarily prove who granted the underlying authority, whether it remains current, what limits apply or whether the final instruction matches what was approved. The problem already affects employee wires, owner approvals, vendor payments and treasury operations. Autonomous AI magnifies the exposure by operating continuously, across systems and at machine speed.

Provable Authority addresses both the longstanding business-authority problem and the emerging agentic authority problem. The white paper introduces the ChainIT Authority Protocol and its Agent Subject Profile, connecting verified identity, organizational authority, delegated scope, sourced evidence, deterministic controls, transaction capacity and exact instruction approval. It is designed to answer a critical question before execution: Is this employee, owner, representative, workflow or AI agent currently authorized to perform this exact transaction?

“Like almost everyone, I am flooded with scam texts, emails, calls and voicemails designed to make me trust someone who may not be who they claim to be. AI can now clone voices, recreate faces and make fraudulent instructions more convincing and more difficult to detect. That is why identity alone is no longer enough,” said Jeremy Blackburn, Chief Executive Officer of ChainIT. “Before money moves, organizations need to verify that the employee, owner, representative, workflow or AI agent is actually authorized to take that specific action, within defined limits, at that moment. Provable Authority is designed to help prevent the fraud people and businesses are experiencing today while establishing the controls needed for the agentic economy already emerging. I am incredibly proud of the ChainIT team for developing a practical, forward-looking solution to one of the most urgent trust and security challenges in modern commerce.”

Core Technical Pillars

• Verified authority chains: ChainIT ID, ChainIT Org ID and Authority Resolution Pactvera connect the acting party to the verified person, organization, role and delegation behind the action.
• Deterministic pre-execution controls: Versioned authority policies, sourced evidence and rules-based workflows return explicit outcomes such as Allow, Step-Up, Hold, Reject or Prohibit.
• Transaction-bound authorization: A canonical transaction digest binds the payer, payee, destination, amount, currency or asset, payment rail and other material terms to approval and execution.
• Agent containment and immutable evidence: Scoped session credentials, single-use execution authorization, capacity controls, append-only Validated Data Tokens and Valitorum preserve what was authorized and what occurred.

“The technical breakthrough is the separation of authentication, delegated authority, proposal activity and final execution,” said Matt Koepp, Chief Technology Officer of ChainIT. “An AI agent may evaluate information and propose an action, but deterministic controls decide whether the action is within scope, whether authority remains current, whether capacity is available, whether human approval is required and whether the exact instruction may be committed.”

Financial institutions, technology companies, developers, compliance leaders and enterprise organizations can download “Provable Authority” at ChainIT White Paper.

About ChainIT

ChainIT provides digital identity, business verification, compliance, and auditable workflow solutions that help organizations establish trust across business relationships. ChainIT’s platform supports KYB, KYC, identity verification, authority validation, beneficial ownership workflows, sanctions and watchlist screening, compliance documentation, ongoing monitoring, and immutable audit evidence through Validated Data Tokens (VDTs).

By helping organizations verify people, businesses, authority, and compliance status through trusted data sources and automated workflows, ChainIT enables customers to reduce risk, streamline onboarding, improve transparency, and make critical operational decisions based on verified and current information.

Media Contact

ChainIT Inc.

Pamela Boutros

p.boutros@chainit.com

307-485-1217

www.chainit.com

Source Notes

[1] Deloitte, “Deepfake banking and AI fraud risk.”

[2] Global Anti-Scam Alliance, “Global State of Scams 2025” and “GASA Policy Agenda 2026.”

SOURCE ChainIT Inc.

SCOTTSDALE, Ariz., Aug. 17, 2026 – “ChainIT”, a digital verification and compliance platform that helps organizations validate identities, businesses, authority, and compliance status through trusted data sources and auditable workflows, today announced a strategic partnership with “excelerated”, a global source-to-pay and supply chain transformation specialist.

The partnership brings excelerated’s procurement, SAP, source-to-pay, and supply chain transformation expertise to ChainIT customers seeking stronger supplier onboarding, contractor qualification, compliance monitoring, and final-mile operational visibility. This adds to ChainIT’s previous successful integration of its payments EPX platform with processing and banking partners and more crossover of platform capabilities are being added as embedded solutions.

As supply chains grow more complex, organizations face increasing pressure to confirm that suppliers, contractors, and service providers meet required standards for business legitimacy, safety, governance, regulatory compliance, and operational readiness. Many of these processes remain fragmented across emails, spreadsheets, portals, disconnected document repositories, and manual reviews.

ChainIT’s platform supports automated collection, verification, monitoring, and auditability of business credentials, identity information, authority records, compliance documentation, certifications, insurance records, and related onboarding requirements. With excelerated’s transformation expertise, ChainIT customers can better align verified compliance workflows with procurement, supplier management, source-to-pay, SAP, and digital supply chain operations.

“We are delighted to partner with ChainIT as organizations increasingly seek greater visibility and control across their final-mile operations,” said Ramesh Varsani, Co-Founder of excelerated. “Compliance management is often fragmented and manual, creating unnecessary risk and administrative burden. By combining ChainIT’s verification and compliance technology with excelerated’s transformation expertise and EPX platform, we can help customers streamline supplier onboarding, strengthen compliance processes, and improve operational performance.”

The partnership is designed to help organizations better understand who is operating across their supply chain, whether those businesses and individuals are properly verified, and whether required documentation and compliance obligations remain current over time.

Jodi Durst, President of ChainIT Pay said:

“We are excited to introduce excelerated as a strategic partner for ChainIT customers seeking to strengthen compliance and visibility across supplier and contractor ecosystems. excelerated’s experience delivering complex procurement and supply chain technology programs makes them an ideal partner as we help customers reduce manual work, improve supplier engagement, and create more trusted, resilient supply chains.”

The collaboration will support ChainIT customers across industries such as manufacturing, retail, logistics, utilities, transportation, financial services, and the public sector, helping them improve compliance outcomes while accelerating digital transformation initiatives.

About ChainIT

“ChainIT” provides digital identity, business verification, compliance, and auditable workflow solutions that help organizations establish trust across business relationships. ChainIT’s platform supports KYB, KYC, identity verification, authority validation, beneficial ownership workflows, sanctions and watchlist screening, compliance documentation, ongoing monitoring, and immutable audit evidence through Validated Data Tokens (VDTs).

By helping organizations verify people, businesses, authority, and compliance status through trusted data sources and automated workflows, ChainIT enables customers to reduce risk, streamline onboarding, improve transparency, and make critical operational decisions based on verified and current information.

About excelerated

“excelerated” is a global source-to-pay and supply chain transformation specialist organization driving digital change across procurement, supply chain, and spend management functions. Working in partnership with leading technology providers specializing in SAP and other best-in-class solutions, excelerated helps organizations maximize value from their technology investments through advisory, implementation, change management, support, and optimization services.

With consultants and customers across North America, Europe, and beyond, excelerated delivers practical, measurable business outcomes that help organizations accelerate transformation and achieve sustainable operational excellence.

For more information, visit: https://www.exceleratedgroup.com

Joint offering continuously assesses identity and fraud risk on every transaction critical for payments that settle instantly and irrevocably, like FedNow® Service and the RTP® network. The solution works alongside the fraud systems institutions already run, while the financial institution retains control over every fraud decision where it belongs: with the institution.

Aug 6, 2026 – Scottsdale, Arizona, United States

ChainIT and RS Software today announced a product alliance to bring risk-based authentication to account-to-account (A2A) payments. While card transactions have benefited from the 3-D Secure framework for over two decades, instant and irrevocable A2A payments lack a comparable industry-wide fraud-monitoring framework. The alliance addresses that gap through continuous identity and risk assessment.

Identity fraud and scams are among the costliest threats facing financial institutions. Javelin Strategy & Research’s 2026 Identity Fraud Study estimates that traditional identity fraud drove $27.3 billion in losses in 2025. As adoption of FedNow® and RTP® expands for instant, irrevocable payments, fraud exposure is increasing. The Federal Trade Commission reported more than $12.5 billion in consumer fraud losses in 2024, up 25% year over year.

Regulation is also raising the bar. Effective June 19, 2026 (June 22 was the first banking day), Nacha’s Phase 2 fraud-monitoring rules require all ODFIs, RDFIs, non-consumer originators, third-party senders, and third-party service providers to implement risk-based processes to identify unauthorized and misrepresented ACH payments. Furthermore, FedNow® and RTP® are equipping financial institutions with information that can help strengthen fraud measures.

Account takeover (ATO) and authorized push payment (APP) scams are among the fastest-growing fraud threats, exploiting a common weakness: identity is verified once and then assumed thereafter. The rise of GenAI, deepfakes, and increasingly sophisticated attacks is accelerating the need for continuous monitoring, transaction-level visibility, and automated screening. According to LexisNexis Risk Solutions, fraud prevention is shifting toward integrated, multi-layered defenses, with every dollar lost to fraud now costing North American financial institutions an estimated $5 and a majority of lenders reporting elevated customer churn tied to fraud.

The alliance evaluates identity and fraud risk continuously on every transaction in sub-seconds, rather than verifying identity once at onboarding and assuming it remains valid thereafter. RS Software’s fraud and risk platform, RS IntelliEdge™, a composable, customizable, explainable, risk & fraud intelligence layer (on top of the client’s existing fraud & risk tools), produces that evaluation as each payment happens, using behavioral, device, and contextual signals. ChainIT contributes biometric identity verification through ChainIT ID and ChainIT Organization ID, along with Validated Data Tokens (non-transferable, cryptographically anchored credentials that establish who authorized a payment and whether they had the authority to do so). No single signal, biometric or otherwise, is sufficient against AI-enabled attacks on its own; the framework evaluates multiple independent signals together on every transaction. When the combined score crosses thresholds set by the institution, its own policies determine whether to require biometric verification, hold the payment, or let it proceed.

The design counters account takeover directly: a criminal who steals credentials, hijacks a session, or swaps a SIM must still look like the customer across every signal, on every transaction. It also equips institutions to detect and interrupt authorized push payment scams before settlement, by surfacing coercion patterns and counterparty risk a deceived customer cannot see an effect that compounds at the network level, where visibility across institutions can expose mule accounts. Legitimate payments proceed without interruption, and additional verification is used only when risk warrants it.

The same protection extends to business payments, where everything starts with an agreement: entity identity is verified at onboarding and evaluated on subsequent payments, and Pactvera Smart Agreements bind each payment to the contract that authorizes it, one identity thread across B2B, B2C, and C2B flows. The financial institution always makes the final decision. In milliseconds, the framework supplies the risk, the reason, and the record: a continuously updated score, a plain-language rationale, and a signed, tamper-evident record of who authorized the payment and with what authority an audit trail designed to support fraud investigations and dispute resolution under Regulation E and UCC Article 4A.

The framework is also built to consume network-level intelligence from the payment networks themselves, including the FedNow Service’s network intelligence API launched in April 2026, combining those signals with continuous behavioral, device, and contextual identity and fraud risk assessment to create a single pre-settlement risk picture, while the institution’s rules determine what happens next.

“Identity verification is the primary gateway for preventing fraud, and Fraud Prevention has become the Core of Trust in payments. We are excited to partner with ChainIT to provide integrated front-line attack in this multi-billion-dollar market opportunity,” said Raj Jain, CEO of RS Software.

“Faster payments only work if you know who is on the other end,” said Jeremy Blackburn, CEO and Founder of ChainIT. “Our role is to prove who authorized a payment, confirm they had the authority to do it, and preserve the evidence in a form that supports dispute resolution. RS Software brings the risk engine that turns that proof into information a financial institution can act on in real time.”

The framework is additive by design: its risk score feeds the fraud platforms an institution already operates, so nothing is ripped out and no core migration is required. The same capability is being integrated into ChainIT Pay for payment initiation and processing, RS DigitalEdge for open API and multi-rail orchestration, and Payabbhi for merchant acquiring and acceptance.

Proof-of-concept engagements, scoped to eight to twelve weeks, are now open for financial institutions treating fraud management as a strategic function, third-party service providers to mid-tier banks, credit union service organizations, and payment services providers serving various industry segments.

About ChainIT

ChainIT is a digital platform company focused on verified identity, Validated Data Tokens, Pactvera Smart Agreements, and auditable transaction workflows. ChainIT helps banks, processors, fintechs, government agencies, ISVs, and regulated enterprises reduce fraud, strengthen compliance, and create verifiable records across people, organizations, agreements, and transactions. Trust Nothing. Verify Everything. www.chainit.com

About RS Software

As the payments ecosystem transitions toward an AI-driven, real-time, and increasingly autonomous model, where TRUST is the new currency, RS Software (India) Limited’s product portfolio modernizes the most critical areas across the value chain, leveraging decades of work building mission-critical payment infrastructure globally. Each product is purpose-built to address specific structural shifts in the market while collectively enabling a unified, AI-led financial ecosystem. RS IntelliEdge™ is designed to address evolving transaction-level controls and shift to continuous, identity-centric intelligence systems, protecting approximately 95% of India’s digital payment transactions and screening billions of transactions each month. RS DigitalEdge™ is designed to enable real-time routing, optimization, and decisioning across payment flows. Payabbhi® is designed to enhance the acceptance and acquiring layer, transforming it into a data-driven revenue engine. www.rssoftware.com

Trademarks: FedNow® is a registered service mark of the Federal Reserve Banks. RTP® is a registered trademark of The Clearing House Payments Company L.L.C. Nacha and the Nacha Operating Rules are referenced descriptively. EMVCo administers 3-D Secure and EMV® 3DS. All marks are the property of their respective owners. Neither ChainIT nor RS Software claims affiliation with or endorsement by these organizations, including the Federal Reserve or Nacha.

Forward-Looking Statements: This release contains forward-looking statements concerning the anticipated benefits of the ChainIT–RS Software alliance, including product integration plans and proof-of-concept engagements. These statements involve risks and uncertainties, and actual results may differ materially. Nothing in this release constitutes financial guidance, a projection of revenue or earnings, or an offer or solicitation of securities of RS Software (India) Limited, and neither company undertakes any obligation to update these statements. Nothing herein constitutes legal advice or a binding commitment by either party.

ChainIT brings zero-trust verification, KYC/KYB, Pactvera digital agreements, and compliance infrastructure to treasury, stablecoin, and AI-agent payment workflows.

July 28, 2026 — ChainIT Inc., a zero-trust verification infrastructure company, today announced that it has been added to the U.S. Bank Connected Partnership Network, expanding visibility for ChainIT’s verification-first platform across payment, treasury, digital agreement, and compliance workflows. 

The U.S. Bank Connected Partnership Network is an award-winning online marketplace of fintech and other third-party payment and treasury solutions that are fully integrated with U.S. Bank systems. The Network helps corporate treasury teams easily identify and integrate technology already connected with the bank. 

ChainIT is listed in the network as a Treasury Management Solution providing KYC/KYB, Pactvera digital agreements, and compliance infrastructure for secure treasury, stablecoin, and AI-agent payment workflows. 

The milestone represents an important step in ChainIT’s mission to help financial institutions, enterprises, and technology partners replace assumption-based processes with verified identity, verified authority, governed execution, and auditable proof. 

“Financial services are entering a new era where identity, authority, agreements, payments, and compliance can no longer be handled as disconnected documents and assumptions,” said Jeremy Blackburn, CEO and Founder of ChainIT. “ChainIT was built for that shift. Being included in U.S. Bank’s Connected Partnership Network is a major validation of our mission to help enterprises verify who is acting, what authority they have, what rules apply, and what happened at execution. Our platform brings ChainIT ID, ChainIT Org ID, Pactvera digital agreements, ChainIT Pay, and Validated Data Tokens together so business transactions can be executed with stronger security, clearer compliance, and verifiable proof”.

“The U.S. Bank Connected Partnership Network helps clients discover technology solutions connected with U.S. Bank systems to support payment and treasury management needs,” said Adam Carter, senior vice president embedded payments product lead, U.S. Bank. ” We welcome ChainIT to the network and look forward to expanding the solutions available to U.S. Bank clients.” 

ChainIT’s platform is designed for high-value and regulated workflows where organizations must prove identity, authority, compliance status, agreement execution, payment authorization, and transaction provenance. Through ChainIT ID, ChainIT Org ID, Validated Data Tokens, Touch Audit, Token Grading, Pactvera, and ChainIT Pay, the company helps organizations create secure, auditable, and governed transaction workflows. 

As financial services and enterprise commerce move toward real-time payments, embedded banking, stablecoin-enabled settlement, and AI-assisted workflows, ChainIT provides infrastructure designed to answer the questions that matter most: Who acted? Under what authority? Against which rules? What happened? And where is the proof? 

Trust Nothing. Verify Everything. With ChainIT. 

About ChainIT 

ChainIT is a zero-trust verification infrastructure company that helps organizations replace assumption-based workflows with verified identity, verified authority, governed execution, and auditable proof. The ChainIT platform includes ChainIT ID for verified individual identity, ChainIT Org ID for verified organizational identity, Validated Data Tokens, Touch Audit, Token Grading, ChainIT Check, Pactvera digital agreements, ChainIT Pay, and ChainIT X commerce infrastructure. 

ChainIT’s technology is designed for high-value and regulated workflows, including KYC/KYB, treasury, payments, digital agreements, compliance verification, stablecoin-enabled settlement, AI-agent payment workflows, and enterprise transaction governance. 

Truth Over Trust® 

Media Contact 
ChainIT Inc. 
Pamela Boutros 
p.boutros@chainit.com  
307-485-1217 
www.chainit.com