Sumvin

Sumvin positions itself as an orchestration layer for money anchored to proof of personhood, trying to make financial actions rule-driven rather than alert-driven. At the centre is Sigil, an identity credential that binds proof of a unique human to spending permissions so an agent can act on a user's behalf inside set limits.

The most concrete design is the errand: a user names the item wanted, the highest acceptable price and the window in which it must happen, and the system finds the seller, vets it and transacts once terms are met, idling without compute while it waits and returning only for decisions it is not permitted to make. Sumvin is also a launch partner on Visa Intelligent Commerce, writing the same limits and permissions into a tap-to-pay card so an agent's authority extends into physical checkout under one identity.