Sardis - Pitch Deck

Sardis

The Payment OS for the Agent Economy

AI agents can reason, but they cannot be trusted with money.
Sardis is how they earn that trust.

February 2026

The Problem

Giving an AI Agent a Credit Card is Dangerous

AI agents are becoming autonomous workers that need to spend real money. But today, there is no trust layer between agents and financial systems.

Agents retry failed payments 100x. They confuse $1.00 with $100.00. They drift from their task and spend on unrelated things. Traditional payment controls were designed for humans — not machines.

Retry Loops

Agent retries a failed call 100x, turning $10 into $1,000

Decimal Errors

Sends $100.00 instead of $1.00 — one decimal mistake

Task Drift

Goes off-track and spends on things it was never told to buy

Zero Visibility

No per-agent audit trail — can't track who spent what

2

The Solution

Sardis: Safe Payments for AI Agents

Sardis is the complete trust layer between AI agents and real money. Companies write spending rules in plain English, and our policy engine enforces them before any payment executes.

Non-custodial MPC wallets on 5 blockchains + instant virtual Visa/Mastercard. Agent-to-agent escrow. KYC/AML. Kill switches. Audit trail. All in a single SDK call.

9

AI Framework SDKs

5

Blockchains

4

Payment Protocols

0

Private Keys Stored

Smart Risk Scoring

0-1.0 confidence score per payment. Low-risk auto-approves, unusual escalates.

Plain English Policies

"Max $500/day, SaaS only" — enforced before money moves.

Crypto + Fiat

Stablecoins on 5 chains + instant virtual Visa/Mastercard.

Agent-to-Agent Escrow

On-chain escrow for multi-agent teams with shared budgets.

Compliance Built In

KYC, AML, "Know Your Agent" trust scoring + audit trail.

Emergency Brakes

Kill switches at global, company, or agent level.

3

How It Works

Every Transaction Passes Through 5 Safety Layers

1

Identity

Is this agent who
it claims to be?

→

2

Policy

Does this payment
match the rules?

→

3

Risk Score

How risky is
this transaction?

→

4

Compliance

KYC/AML &
sanctions check

→

5

Execute

Send payment
+ log forever

All 5 layers execute in <200ms. If any layer fails, the transaction is blocked before money moves.
Every decision is logged in a tamper-proof Merkle tree audit trail.

4

Market Opportunity

The Agent Economy is a Trillion-Dollar Shift

$3-5T

Agentic Commerce TAM by 2030

McKinsey Global Payments Report 2025

45%

AI Agent Market CAGR through 2030

Boston Consulting Group, 2025

40% of enterprise apps will include AI agents by end of 2026 (Gartner). Google, PayPal, Mastercard, and Visa are co-developing agent payment standards (AP2).

Bottoms-Up Calculation

Developers building agents500K+

Payment-enabled agents per dev3-5

Total agents needing payments (2027)~2M

Avg. monthly volume per agent$1,000

Total annual agent payment volume$24B

Our take rate0.5-1.5%

Revenue at 5% market share$18M ARR

5

Business Model

Multi-Layer Revenue with 65-93% Gross Margins

Pricing Tiers

Free

$0

/month · Developer Sandbox

3 agents
$1K volume
Testnet only

Starter

$49

/month · 1.5% tx fee

10 agents
$25K volume
1 blockchain

Growth

$249

/month · 1.0% tx fee

100 agents
$250K volume
All chains

Enterprise

$2.5K+

/month · 0.5% tx fee

Unlimited agents
Custom SLA
White-label

Revenue Streams

55%

Transaction Fees

0.5-1.5% per payment

22%

Platform Subscriptions

Monthly SaaS revenue

13%

Card Interchange

Revenue sharing with Lithic

10%

Off-Ramp + Premium

Crypto-fiat conversion + analytics

6

Head-to-Head Comparison

Sardis vs. The Market

Capability	Sardis	Skyfire	Locus	Payman	Paid	Natural	Stripe	Coinbase
Plain English Spending Rules	✓ + On-chain	✕	Basic	Basic	✕	✕	Limits	Basic
Per-Transaction Risk Scoring	✓ 4-tier	✕	✕	✕	✕	✕	✕	✕
Task Drift Detection	✓	✕	✕	✕	✕	✕	✕	✕
Non-Custodial MPC Wallets	✓	✓	✕	✕	✕	TBD	✕	✓
5+ Blockchains	✓ 5	2-3	1	✕	✕	TBD	✕	✓
Virtual Cards (Visa/MC)	✓	✕	✕	✕	✕	✕	✓	✕
KYC / AML Compliance	✓ Full	✕	✕	✓	✕	✕	✓	Partial
Agent-to-Agent Escrow	✓ On-chain	Basic	Basic	✕	✕	✕	✕	✕
Emergency Kill Switches	✓	✕	✕	✕	✕	✕	✕	Basic
AI Framework SDKs	✓ 9	1-2	1-2	1-2	2-3	TBD	✓ 4	✓ 5

Every competitor solves one piece. Sardis is the only platform with the complete safety stack.

7

Competitive Funding Landscape

$180M+ Raised — Nobody Has the Full Stack

Company	Focus	Raised	Stage	Investors	Valuation	What They're Missing
Skyfire	Agent payment routing	$9.5M	Seed	a16z CSX, Coinbase, Circle	Undisclosed	No policies, no cards, no compliance
Locus	Agent payments (Base)	YC F25	YC F25	Y Combinator	~$7M	Single chain, basic features only
Payman	AI-to-human payments	$13.8M	Seed+	Visa, Coinbase Ventures	Undisclosed	No crypto, no policy engine, no escrow
Paid	Results-based billing	$33.3M	Seed	Lightspeed (lead)	$100M+	Billing layer only, not infra
Natural	Agentic payment rails	$9.8M	Seed	Abstract, Human Capital	Undisclosed	Early stage, limited features
Crossmint	Enterprise wallets	$23.6M	Series A	Ribbit Capital, Franklin Templeton	Undisclosed	No agent identity, no policies
Turnkey	MPC custody	$52.5M	Series B	Bain Capital, Sequoia	Undisclosed	Our provider — infra layer
Privy	Embedded wallets	$41.3M	Acquired	Sequoia, Paradigm, Ribbit	$230M → Stripe	No agent-specific features

8

Traction

Built Solo in 5 Months — Full Stack, Production-Ready

✓ Core policy engine — 150+ unit tests, 10-step validation
✓ Non-custodial MPC wallets (Turnkey) on 5 blockchains
✓ 6 smart contracts on Base Sepolia — 10K+ fuzz tests
✓ Natural language policy parser — rules in plain English
✓ 30+ REST API endpoints (FastAPI)
✓ Python SDK + TypeScript SDK published on PyPI/npm
✓ MCP server — 57 tools for Claude/Cursor integration
✓ React admin dashboard + landing page
✓ 19 packages published, 4 payment protocols

9 Framework Integrations

Python SDK

TypeScript SDK

MCP Server

LangChain

CrewAI

OpenAI

Google ADK

Vercel AI

OpenClaw

Protocol Support

AP2

TAP

x402

UCP

NEXT: MAINNET LAUNCH

Awaiting production keys from Persona (KYC), Elliptic (AML), Lithic (cards). 4 backup providers per dependency.

9

The Founder

Solo Builder. Full Stack. Relentless.

Efe Baran Durmaz

Founder & CEO

Built Sardis's entire infrastructure — from Solidity smart contracts to Python backend to React frontend to AI policy parsing — solo in 5 months.

19

Published Packages

6

Smart Contracts

9

SDK Integrations

150+

Unit Tests

6 Engineering Domains, 1 Person

Blockchain (Solidity/Foundry), Backend (Python/FastAPI), Frontend (React/TS), Cryptography (MPC/Turnkey), Compliance (KYC/AML), and AI (NLP policy parsing).

Non-Custodial Insight

Designed a non-custodial architecture that eliminates money transmission licensing — a $500K+ and 12-month barrier every custodial competitor faces.

Building a World-Class Team

Month 1-3: Senior Blockchain + Backend Engineers (ex-Coinbase/Stripe caliber). Month 3-6: DevRel + Security Lead. Goal: 6-person elite team by month 6, scaling to 12 by month 12.

10

The Ask

Seed Round

$3M

Seed · 18-month runway

45% Engineering — 3 senior hires + security audit
20% Compliance — SOC 2, licensing, legal
20% GTM — DevRel, Product Hunt, community
15% Ops — Infrastructure, providers, buffer

Key Milestones

Month 3

Mainnet deployment on Base + Polygon + Ethereum. Security audit complete.

Month 6

Product Hunt launch. 50+ paying customers. 5-person team.

Month 12

$100K+ MRR. SOC 2 Type II initiated. 100+ customers.

Month 18

$350K+ MRR. Series A ready at $40-60M valuation.

11

Sardis

The agent economy will transact trillions of dollars.
The company that controls the trust layer between agents and money becomes the Stripe of this new economy.

sardis.sh contact@sardis.sh @sardisHQ