Action AI
Book a fit call
Products in development · standalone MCP

APEX™ — Agentic Payment Execution.

APEX™ is the first commercially documented Ethical Harness-compliant framework for AI agent purchasing. Rail-agnostic by design — works with any underlying payment method the customer brings (card, mobile wallet, ACH, virtual card, and more).

Embedded today Available · in every Action Cell™
Standalone MCP On request · cohort-based

What APEX gives you

  • →Hard spending caps with aggregate and per-transaction thresholds
  • →Vendor whitelist and category controls
  • →Human-in-the-loop approval gate for any transaction above threshold
  • →4-hour timeout auto-reject on stalled approvals
  • →7-year immutable audit log with real-time alerting
  • →Kill switch and circuit breakers
  • →Embedded in every Action Cell™ deployment
Ipanema beach, Rio de Janeiro — global market context for agentic payments.

How APEX™ closes the loop.

APEX is a five-stage closed loop. The first four stages execute every transaction. The fifth stage — LEARN — attaches outcome data, surfaces patterns as recommendations, and waits for human ratification before any cap, threshold, or whitelist changes. No autonomous self-modification, ever.

APEX 5-stage closed-loop pipeline: Authorization, Payment, Execution, eXchange, Learn — with feedback arrow back through Member ratification
1

Authorization

Whitelist + scope + caps check before any transaction proceeds.

2

Payment

Pre-loaded debit card with caps enforced on both sides — agent + card. Two-tier protection.

3

Execution

Vendor API call with circuit breaker + retry.

4

eXchange

Immutable 7-field audit entry, 7-year retention.

5

Learn

Outcome attached, pattern surfaced, recommendation queued for your ratification.

Ethical Harness Reversibility operationalized. Closed-loop standard →

Join the waitlist

Standalone APEX™ MCP access on request. Cohort-based.