Decern by PriviNet · AI Financial & Signing Airlock

Let AI Agents Execute Workflows Without Giving Them Your Keys or Your Bank Account.

Decern is designed to sit between your AI agents and your company payment rails, Stripe accounts, or digital wallets like a hard financial safety lock. If an agent gets tricked or tries to overspend, Decern is structured to block the transfer before a single dollar leaves and produce a tamper-evident decision receipt.

Current Status · Engineering & Review Transparency 0 unauthorized signings in internal testing · 258 Workspace Tests Passing

Current status: Research prototype on Bitcoin signet. Frozen review candidate ready for independent cryptographic review (engagement being arranged). US provisional patent 64/130,485 pending. Now recruiting design partners.

Path 01 · Business & Finance Path

For Executives, CFOs & Product Leaders

Plain-English walkthrough: see why autonomous agent payment SDKs fail by default, then test 5 real-world AI payment attacks against a live $1,000.00 Company CFO Budget.

Path 02 · Technical Architecture Path

For CTOs, Systems Engineers & Security Reviewers

Inspect the dedicated technical architecture page covering the pre-signing boundary, shared budget controls, post-quantum policy signatures, offline evidence receipts, and Bitcoin Signet test transactions.

3-Step Visual Airlock Architecture Agents hold zero live keys by design
Step 1 · Agents hold zero live keys by design

AI Agent Proposes a Payment or Action

Agents hold zero live keys by design and never touch raw payment credentials.

Step 2 · Independent Policy Gate

Decern Checks Policy Outside the Agent

Designed to check recipient allowlists, per-transaction limits, and shared team budgets across concurrent workers.

Step 3 · Enforced Boundary

Safe Execution or Instant Pre-Signing Block

Approved actions proceed inside the protected boundary; out-of-policy or prompt-injected transfers are stopped before signing.

Independent Third-Party Disclosures (October 2026)

Why now

Autonomous AI agents are already being wired directly into corporate payment rails and digital wallets, where SDK-level defaults cannot be left to police themselves. In the V12 review of the x402 agent-payment protocol (October 22, 2026), researchers uncovered 25 vulnerabilities (3 critical) and showed that the default client enforced no spending limit. Three days later, the Cloud Security Alliance research note (October 25, 2026) detailed how those x402 agent-payment SDK flaws and silent patches exposed auto-signing wallets, reinforcing why spending limits and signing authorization belong in an external pre-signing boundary.

Interactive Business Sandbox · Plain-English Simulation

Interactive 5-Scenario Adversarial Attack Arena

When companies let AI agents pay vendors or move treasury funds, a single prompt injection, retry loop, or multi-agent race can drain an account in seconds. Decern is designed to sit as a hard financial safety airlock in front of your payment rail or wallet signer: it is structured to check the exact recipient and dollar amount on the wire, lock shared parent-child budgets so two agents do not overdraft the parent account, and halt unauthorized requests before a signing key ever wakes up.

How This Works (3 Easy Steps: Understand in 10 Seconds)
Ready: 30-Sec Guided Tour Available
Step 1: Choose a real-world AI payment failure below (or click "▶ Auto-Play All 5 Attacks (Guided Tour)").
Step 2: Watch a rogue or malfunctioning AI agent attempt to steal or overspend funds from a simulated $1,000.00 Company CFO Budget.
Step 3: Read the Plain-English Verdict Card showing what the AI tried to do and how Decern is structured to block it before a single dollar leaves the account.
Select Payment Rail
Live Company CFO Budget
$1,000.00 / $1,000.00
Shared Budget Overdraft
$0.00
Signer Key Wakes on Blocked Spend
0
Dollars Stolen / Unauthorized Spend
$0.00

Click Any AI Payment Attack Scenario Below

Company CFO Budget ($1,000 Cap) & Sub-Agent Limits

Two AI sub-agents each have an $800.00 limit ($1,600.00 combined), but both draw from the same $1,000.00 Company CFO Budget. Decern is structured to lock parent and child budgets together so total spend does not exceed $1,000.00.

Parent Account: Company CFO Budget ($1,000.00 Ceiling) $0.00 consumed · $0.00 held · $1,000.00 avail
AI Sub-Agent A: Procurement Bot (Limit: $800.00)
$0.00 consumed · $0.00 held · $800.00 avail
AI Sub-Agent B: Treasury Bot (Limit: $800.00)
$0.00 consumed · $0.00 held · $800.00 avail

Plain-English Verdict: What Just Happened?

Interactive Airlock Verdict · Awaiting Demo Run
Standby: Awaiting Demo Run
What the AI Tried to Do: Select any attack scenario on the left (or click "Auto-Play Guided Tour") to simulate an AI payment attack against the $1,000.00 Company CFO Budget.
How Decern Responded: Awaiting demo run. When triggered, Decern checks the outbound transfer parameters and shared budget limits before any signing credential is accessed.
0 unauthorized signings in internal testing · 258 workspace tests passing. 11 attack scenarios blocked pre-signing in internal testing, 0 unauthorized signing attempts.
+ Show Simulated Decision Log & Live SHA-256 Receipt (For Technical Review) Technical View

Simulated Pre-Signing Decision Log

SELECTED PAYMENT RAIL: Stripe Corporate Payout (USD)
SCENARIO STATUS: Awaiting demo run (click any scenario on the left)
AIRLOCK DECISION: AWAITING DEMO RUN
SIGNING KEY WAKES: 0 signing attempts on blocked requests
PROPOSED TRANSFER SHA-256: Awaiting demo run
APPROVED POLICY SHA-256: Awaiting demo run
DOWNSTREAM RAIL EFFECTS: 0 unauthorized effects
Standby state: no cryptographic hashes are displayed until a scenario runs. Click any Attack button on the left (or run the Guided Tour) to compute live SHA-256 digests in your browser via WebCrypto. Read the technical architecture.

Verify a Receipt Offline

Awaiting Demo Run

When a scenario executes, this panel displays the simulated JSON decision receipt and computes its live SHA-256 integrity digest in your browser. You can check the receipt below or simulate a +$1.00 post-decision edit.

Awaiting demo run. Select any Attack Scenario on the left (or click "Auto-Play All 5 Attacks") to run a simulation and compute a live SHA-256 receipt in your browser.
Design Partner Program · 2026 Cohort

Design Partner Program: limited slots. Scoped pilot following phase-1 independent review. Email brad@privinet.net.

We are partnering with a limited number of teams building autonomous agent payment workflows, corporate payout automation, or digital-asset treasury operations. Scoped pilots begin following phase-1 independent review. Email brad@privinet.net to discuss your workflow and reserve a design partner slot.

For CTOs, Systems Engineers & Security Reviewers

Technical Architecture & Public Signet Evidence

Inspect the dedicated technical architecture page covering the pre-signing boundary, shared budget controls, post-quantum policy signatures, offline evidence receipts, and Bitcoin Signet test transactions.

Read the technical architecture

Contact

Brad Listermann, Founder, PriviNet

[email protected]