01
Agent request
The finance agent proposes an action.
Invoice, AP, treasury, or payment work arrives with agent identity, action, counterparty, amount, and resource context.
VICERASharia-aware controlled wallet product
Product overview
Sharia-aware controlled wallet infrastructure before AI agents move money.
Vicera gives AI agents bounded wallet authority, then enforces wallet limits, institution-approved Sharia and compliance policies, approval gates, and audit receipts before money moves.
Before executionApproval-awareRecords decisions
Where Vicera sits
Agent intent becomes a controlled-wallet authorization result.
- Primary user
- Islamic banks, Islamic fintechs, and GCC finance teams adopting AI agents for regulated workflows.
- Boundary
- Pre-execution authorization between agent intent, bounded wallet authority, Sharia policy, and payment action.
- Core result
- A controlled-wallet decision that downstream systems can treat as approved, approval-required, or denied before money moves.
- Evidence
- A reviewable audit receipt of the request context, wallet state, policy reason, decision, reviewer, and timestamp.
Product primitives
Built around bounded wallet authority, approval gates, and decision evidence.
Controlled wallets
Define bounded wallet authority for each AI agent.
Bind an agent to approved actions, counterparties, currencies, resources, wallet limits, and expiry windows.
Decision gate
Return a policy result before money moves.
Approved, requires approval, and denied outcomes give finance teams a clear boundary before execution.
Approval separation
Support maker-checker review for exceptions.
Threshold breaches and sensitive actions can pause for a distinct approver instead of flowing straight to payment.
Audit record
Record the evidence behind each result.
Decision records keep the agent, wallet mandate, action, Sharia policy reason, approver evidence, and request metadata together as an audit receipt.
02
Vicera mandate decision
Authority is evaluated before execution.
Vicera checks wallet scope, limits, expiry, revocation state, institution-approved Sharia policy, and approval requirements before downstream systems continue.
03
Finance system
Approved work can move to the existing path.
ERP, AP, treasury, and payment systems receive a decision result instead of an open-ended agent instruction.
04
Decision record
The authorization result remains reviewable.
Vicera records the wallet, agent, request context, institution-approved Sharia rule, decision, reviewer evidence, and audit receipt timestamp.