Governance layer for AI agents · Built on Base

Your AI. Your keys. Your approval.

Qoi sits between your AI and your money. It verifies every agent that connects, enforces the policy you define and holds anything unusual for your tap. On-chain, self-custodied, final.

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// How It Works

Your agent asks. You approve.

The AI proposes a payment. Qoi proves who's asking, checks it against your policy and scores the risk. You review and sign. Responsibility stays with you, execution stays on-chain.

Under the hood, Qoi is an MCP server your agent calls like any other tool, with x402 support for pay-per-use APIs. Qoi Guard scans the process tree behind every connection and checks code signatures against the genuine vendors, so a renamed script can't impersonate your agent. It works with Claude, ChatGPT agents and anything else that speaks MCP.

  1. Agent asks. Your AI hits a payment inside its task and requests it over MCP.
  2. QOI evaluates. Policy checks and a live risk score, decided in milliseconds.
  3. You approve. One tap on your phone when a payment needs you. The rest runs itself.

// Trust

Give the AI room. Keep the final say.

Custody
YOUR KEYS
Allowance
DAY · WEEK · MONTH
Risk
SCORED LIVE
Settlement
BASE
Final approval
YOU

// Product

Hard limits. Full receipts.

01

Knows Who's Asking

Qoi Guard scans the process tree behind every connection and verifies code signatures against the genuine vendors. A renamed script or spoofed client never reaches a payment.

02

Policy Before Payment

You set the allowance: daily, weekly or monthly. Inside it, the agent pays on its own; outside it, nothing happens without your tap. Limits are enforced before any money moves.

03

Risk-scored, Every Time

Beyond the allowance, every payment is analysed: counterparty, amount, spending pattern. It reaches you with a score, not a guess.

04

A Receipt for Everything

Approvals, declines and payments land in one exportable history. Your agent runs on its own inside the allowance, and every decision stays on the record.

// Roadmap

Built block by block.

Q3 · 2026 · live now

Private Alpha

Out now for macOS. Core on-chain accounts, the approval loop and the first AI insights, in the hands of real users.

I
Q4 · 2026

AI Autopilot

Opt-in automations: rebalancing, bill smoothing, risk alerts. Every action proposed by AI, approved by you.

II
Q1 · 2027

Public Launch

The Qoi app opens to everyone. Payments, savings and portfolio views, all settled on Base.

III
2028

Open Platform

APIs and developer tools so others can build on the same on-chain financial rails we use ourselves.

IV

// Team

The humans behind the protocol.

Crypto infrastructure veterans from Bitstamp, Bitpanda, Docker, Qredo and Zenrock.

Yuri Zidar

Product Bitstamp · Qredo

Stefan Andric

Engineering Bitpanda · Qredo · Zenrock

Ognyan Nikolov

Engineering Docker · Qredo · Zenrock

Robert Marinov

Engineering Financial Times · Qredo

// FAQ

Fair questions, straight answers.

Where do my funds live?
In a wallet only you control, with keys on your device. Qoi is the governance layer on top: agent verification, allowances, risk scoring and approvals. We never hold, route or touch your money.
Which chain does Qoi settle on?
Base, an Ethereum layer 2. Fast and cheap to transact, and every payment is publicly auditable.
Can my agent overspend?
No. The daily, weekly or monthly allowance is enforced before a payment moves. Outside the allowance, nothing happens without your tap.
What if I miss an approval request?
The payment simply doesn't execute. Requests expire on their own and your agent gets a polite no. Nothing moves while you're away.
How does my AI connect to Qoi?
Over MCP: your agent calls Qoi like any other tool, with x402 for pay-per-use resources. Install Qoi Guard for macOS (.dmg) to pair your agent, and approve payments from the app on your phone.
What about regulation?
Qoi Pond Ltd is a UK-registered company and we build with future compliance in mind: clear records of every approval, exportable history, and an architecture designed to meet crypto and AI regulation as it lands.
What does it cost?
Free during the alpha. Pricing comes later, and it will be published before it applies to anyone.
What happens to my email address?
It goes on one list: early-access invites. No marketing blasts, no resale, and you can ask us to delete it any time. The details live in our privacy policy.

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No spam. One email when your invite is ready. Handled as described in the privacy policy.