OceanAltOceanAlt

About OceanAlt

That gap between “the agent decided to pay” and “the money moved” is ours.

What we do

Before an AI spends money, something has to answer one question first: should this payment happen?

OceanAlt works at that moment, before the money moves. We turn identity, authorization, counterparty risk and evidence into a pre-payment decision a machine can call directly, so an agent knows when it may pay, when it should stop, and why.

Why now

Agents already find services, place orders and call APIs on their own. Initiating the payment themselves is the next step, and it is already starting.

But most payment and risk systems in use today were built around people, accounts and merchants. With an agent the questions change: who does it act for? Is it allowed to spend this? Why this amount, this payee, this purpose? Can the payee be trusted? And if something goes wrong, can anyone reconstruct why it was allowed at the time?

These questions are entering real payment flows, and there is still no commonly adopted set of answers. That is where OceanAlt starts.

What we have already built

You can call and check each of these right now.

  • Decision API: returns allow / review / decline before the money leaves, and tells the caller why.
  • RAP: an open decision framework with a conformance suite. Anyone can run it against OceanAlt, and against their own implementation.
  • KYA and a trust directory: connects addresses, legal entities, agents, relationships and public evidence, so that “who is paying, on whose behalf, to whom” is more than a wallet address.
  • Risk and evidence: each verdict comes, as far as we can manage, with the signals it came from, its sources, and how current that evidence is.
  • Protocol integrations: through live integrations for agents, MCP and x402, plus a browser extension (beta), these decisions sit in the actual payment paths instead of a console of our own.

Every capability stated on this site is running in production.

How we handle what we do not know

We do not call “no risk found” safe. We do not present our verdict as government KYC, full AML, or legal certification. We do not describe community discussion, citations or implementations as a protocol having formally adopted OceanAlt. And we do not hide how a number was counted to make it look better.

For every figure and verdict we publish, we try to tell you how it was calculated, what it rests on, where it came from and when it was last updated, including the results that do not flatter us.

In the press

All press coverage →

Contact: X @OceanAlt2025 · business@oceanalt.com