# Overview
toani Facilitate is the compliance and trust layer for Agentic Commerce, designed by toani.ai. It ensures that every AI Agent transaction is simultaneously protected across three critical dimensions: identity verification, intent authorization, and compliant settlement.
AI Agents are becoming autonomous economic actors, independently purchasing APIs, acquiring data, and paying for cloud resources. Payment infrastructure is ready (x402, Stripe Agent Toolkit), but trust infrastructure remains a gap. Payers don't know who received the funds, payees don't know where the funds came from, and Agents lack spending limits and approval workflows. toani Facilitate fills this gap.
> Ready to integrate? Jump straight to the [Integration Guide](/toani-facilitate/getting-started.md).
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## Core Capabilities
| Capability | Description |
| --------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Bidirectional KYC/KYT** | Before each transaction, simultaneously verify both payer and payee through zero-knowledge identity verification and real-time wallet risk scanning |
| **Google Agent Payment Protocol (AP2)** | Establish an end-to-end unforgeable payment trust chain from Owner authorization to on-chain settlement through three layers of cryptographic mandates: Intent Mandate (owner consumption authorization), Cart Mandate (merchant invoice authentication), and Payment Mandate (on-chain transfer execution) |
| **Compliant Settlement** | The x402 protocol triggers atomic USDC settlement on the Base blockchain; Facilitate executes on-chain transfers with platform-covered gas fees |
| **Tamper-proof Audit** | Every transaction record includes both parties' compliance status and is linked to Intent Mandate usage tracking |
| **MCP Gateway** | Middleware that intercepts Agent tool calls and orchestrates the compliance, Google AP2, and settlement pipeline |
| **Fail-close Security** | Missing configuration means all payments are rejected; there is no silent bypass |
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## How It Works
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## Use Cases
| Scenario | Typical Task | Core Facilitate Capability |
| ------------------------------------ | ------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Agent Purchases Paid API** | Research Agent in Cursor calls paid MCP tool to fetch real-time data | Bidirectional KYC/KYT + automatic settlement |
| **Merchant Accepts Agent Payment** | API provider compliantly accepts AI Agent payments | Payer verification + Cart Mandate authentication |
| **Budget-controlled Agent Spending** | Owner authorizes Agent to spend autonomously within budget | Full Google AP2 suite (Intent Mandate auth boundary + Cart Mandate merchant auth + Payment Mandate on-chain settlement) + escalation on exceeding limits |
| **Regulatory Compliance Audit** | Enterprise demonstrates to auditors that Agent transactions are compliant | Transaction logs + compliance evidence + on-chain proof |
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## toani Facilitate in the toani.ai Ecosystem
toani Facilitate is the business compliance layer in toani.ai's trust infrastructure, addressing identity, intent, and settlement concerns in AI Agent transactions.
The three toani products each answer a core question:
| Product | Core Question | Key Technology |
| ------------------------------------------- | --------------------------------------------- | ------------------------------------------------------------------------------------------------------------------ |
| [toani Vault](/toani-vault/overview.md) | How does an Agent authenticate securely? | TEE isolated execution, AES-256-GCM encryption, zero-knowledge architecture |
| [toani Control](/toani-control/overview.md) | What is an Agent permitted to do? | Policy engine, risk stratification, human-in-the-loop approval, cryptographic audit |
| **toani Facilitate** | Is this transaction compliant and authorized? | Bidirectional KYC/KYT, Google AP2 (Intent Mandate / Cart Mandate / Payment Mandate), x402 on-chain USDC settlement |
The three products work together: Vault protects credential security, Control enforces execution boundaries, and Facilitate ensures transaction compliance. Enterprises can combine them as needed.
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