VICERASharia-aware controlled wallets for AI agents

Sharia-aware wallets before money movesFor Islamic banks, Islamic fintechs, and GCC finance teams

Sharia-aware controlled wallets for AI agents

For Islamic banks, Islamic fintechs, and GCC businesses: wallet limits, institution-approved Sharia policies, approval gates, and audit receipts before money moves.

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Audience: Islamic banks, fintechs, GCC teams
Institution-approved policy: Reviewers decide uncertain cases
Wallet authority: Checked before money moves

01Agent action request
02Wallet limit check
03Sharia policy gate
04Audit receipt

Islamic finance wallet console

AI agent financial action held before money moves

Before execution

AI AP assistant requests bounded wallet spend

AED 12,000

Decision

Requires approval

Above the AED 5,000 wallet threshold; Vicera enforces the institution-approved Sharia/compliance policy and routes the request to reviewers before execution.

Institution policy

Sharia/compliance v1.4

Approved by the bank or fintech

Matched rule

Threshold + counterparty

Product/category evidence attached

Escalation

Sharia + finance reviewer

Uncertain cases route to people

Bounded wallet authority

policy-enforced

Wallet limitAED 25,000

Approval gateAED 5,000

Current requestAED 12,000

Delegated ceilingReviewer required abovePaused before rails

Policy pack: Institution-approved
Reviewer gate: Sharia + finance
Receipt: Before money moves

Agent passport: AP-Clerk-07; Verified finance assistant
Spend ceiling: AED 25,000; Mandate limit visible
Audit receipt: Pre-execution; Reason retained before rails

Audit receipt

evt_1kfm8zr

Sharia policy rule, matched wallet rule, approval route, and timestamp stay attached before money moves.

Interactive wallet policy check

One wallet policy. Three outcomes.

Tap a request to see the clean path finance leaders can scan: request, policy, outcome, receipt — all before money moves.

Policy owner: Institution-approved Sharia/compliance
Wallet boundary: Amount · merchant · counterparty · product
Reviewer route: Finance + Sharia evidence when uncertain

01Agent requests wallet action
02Institution policy checks
03Vicera returns approve, hold, or block

Agent passport

AP-Clerk-07

Supplier payments · AED controlled wallet

requires_approval

Live request

AI treasury assistant proposes a AED 12,000 vendor payment.

Identity verifiedLimit checkedPolicy version matchedReceipt opened

Wallet policy envelope: Allowed counterparty, but above the delegated wallet threshold and routed to finance/Sharia reviewer evidence before execution.
Authority action: Money waits for human approval before execution.

Audit receipt

before rails

agent: AP-Clerk-07
wallet: AED limit · supplier scope
policy: Institution-approved Sharia/compliance v1.4
review route: Finance + Sharia evidence
decision: requires_approval
evidence: policy_version + reason + timestamp

Controlled wallet proof

One wallet decision, fully receipted.

A finance agent requests a bounded wallet action; Vicera shows the limit, the institution-approved Sharia/compliance rule, the approval route, and the audit receipt before rails move money.

Wallet: AED limit visible
Policy: Institution-approved
Receipt: Before money moves

Without Vicera

Agent action is possible, but Sharia/compliance boundaries are fuzzy.

Spend limits, Sharia/compliance checks, reviewer state, and audit reasons are scattered across chat, ERP notes, and after-the-fact logs.

With Vicera

Institution-approved wallet authority is checked before execution.

Review required

Organization: Acme Manufacturing FZ-LLC
Mandate: AED wallet + policy guardrail
Audit event: evt_1kfm8zr

Sharia-aware policy trace

institution-defined

Policy set

Institution-approved

Sharia and compliance rules are supplied by the bank or fintech, not decided autonomously by Vicera.

Matched rule

Category / counterparty

Each wallet decision can point to the inspected product, supplier, or merchant classification.

Receipt evidence

Version + reviewer

Audit records keep policy version, rule reason, reviewer route, wallet, agent, and timestamp together.

Receipt fragment

evt_1kfm8zr

Policy pause

Result: Human approval required
Reason: Above AED 5,000 wallet gate
Boundary: Payment authority paused

Evidence, not claims

The quiet control record behind the controlled wallet.

A founder should see the product is more than a mockup: wallet authority, institution-approved Sharia/compliance policy, approval route, and audit receipt are shaped as reviewable objects before money moves. Vicera enforces the institution's approved policy pack; uncertain cases route to reviewers instead of pretending an autonomous AI can settle Sharia classification.

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Fixture-backed packet

fixture-backed

wallet

AED authority envelope

mnd_demo_ap_payment_guardrails · cap with approval threshold

policy pack

Sharia/compliance v1.4

Institution-approved rules, matched category, reviewer route

audit stream

5 receipt events

mandate.granted / authorization.approved / approval.requested / approval.denied / api_key.created

identity

Scoped finance users

3 users · agt_invoice_copilot_demo · example.invalid emails

Backend credibility

A sparse spine, not a dashboard dump.

The visual proof is edited down to the three signals an Islamic-bank or GCC-fintech buyer should trust first: scoped wallet boundary, institution-approved policy, and reviewable escalation reason.

01Runtime boundaryOrg-scoped walletEvery wallet authority envelope and decision packet stays attached to the institution context.
02Policy postureInstitution-approvedSharia/compliance rules are enforced from the bank or fintech policy pack, not invented by Vicera.
03Review surfaceReason + route visibleFinance, compliance, and Sharia reviewers see why execution is held, approved, denied, or escalated.

Pre-execution packet

One calm trail from agent request to reviewable receipt.

Pre-execution proof

01Request captured
payment.request · AED 12,000
inv_2026_0042
02Policy gate
Requires approval
Amount exceeds approval threshold of AED 5,000.
03Receipt retained
evt_1kfm8zr · 2026-05-27T09:30:00.000Z
Reason, mandate, approver evidence, and timestamp stay inspectable.

Recorded

Tenant boundary

Acme Manufacturing FZ-LLC

AE-DU verified · org_vicera_demo_acme

Recorded

Policy decision set

3 evaluated checks

1 approved · 1 approval-gated · 1 denied

Recorded

Approval trail

pending

finance_manager review assigned to Omar Controller

Recorded

Credential posture

Hash placeholders only

vcr_test_demo · no raw API key in fixture, public copy, or receipt surface

Early access

Bring AI-agent wallets under Sharia-aware control before money moves.

Vicera gives Islamic banks, Islamic fintechs, and GCC finance teams a pre-execution wallet boundary: scoped mandates, institution-approved policy checks, approval gates, and audit receipts before AI agents can spend.

View wallet flow

Controlled wallet receipt

The wallet can only move inside institution-approved policy.

Approval held

Agent wallet

AP-Clerk-07

Bounded

Requested

AED 12,000

Decision

human approval required

1Wallet action

payment.request

AED 12,000 held before rails advance

2Sharia policy

Institution-approved

Matched rule: above AED 5,000 gate routes to reviewer

3Audit receipt

evt_1kfm8zr · 2026-05-27T09:30:00.000Z

Policy version, reason, reviewer, timestamp

Sharia-aware controlled wallets for AI agents

AI agent financial action held before money moves

One wallet policy. Three outcomes.

AP-Clerk-07

One wallet decision, fully receipted.

One calm status system before money moves.

A calm passport for every agent action.

AP-Clerk-07

Set the boundary before money moves.

Authority is explicit before an agent can act.

Exceptions pause at the threshold.

Every result leaves a reviewable record.

The control plane between an AI agent and a regulated payment workflow.

Delegate authority without losing the boundary.

Route exceptions before money moves.

Capture the evidence behind every decision.

Change authority as risk changes.

Trust is earned at the authorization boundary.

Authority is explicit before evaluation.

Exceptions pause before money moves.

Every decision has a reviewable record.

Authority can be withdrawn cleanly.

Requesters cannot approve their own exceptions.

Finance sees the reason, not a black box.

The quiet control record behind the controlled wallet.

A sparse spine, not a dashboard dump.

One calm trail from agent request to reviewable receipt.

Acme Manufacturing FZ-LLC

3 evaluated checks

pending

Hash placeholders only

Vicera is the pre-execution authority boundary.

The agent proposes the action.

Mandate, approval, and audit rules are checked.

Downstream systems proceed only with authority.

The control record remains reviewable.

Agent asks to act

Vicera checks the mandate

Policy returns a result

Event is logged

The review state is the product moment.

AED 2,400 utility invoice

AED 12,000 supplier payment

AED 2,400 utility invoice

AED 12,000 supplier payment

Payment to an unapproved counterparty

Previously valid AP payment request

Bring AI-agent wallets under Sharia-aware control before money moves.

The wallet can only move inside institution-approved policy.

Agent identity

Delegated mandate

Revocation control

Decision record

Audit trail