MetaComp 共同總裁 Pei Ling Tin：信任、可編程貨幣與 Agentic AI 的新金融時代

0:00金融產業的轉折點：穩定幣與數位資產

0:00大家午安，先稍微更正一下，我目前還是現任國會議員，已經進入第四屆。不過今天我是以 MetaComp 共同總裁的商業身份來這裡，MetaComp 是新加坡 MAS 核發執照的主要支付機構，DPT（數位支付代幣）也在我們的業務範圍內。今天我想跟大家分享一個我非常關心的重要主題，也希望藉此拋磚引玉。A very good afternoon to everyone. Just a slight correction over there, I'm still a sitting member of Parliament in my fourth term, but I'm here in my commercial capacity as co-president of MetaComp, a MAS-licensed major payment institution. Under our licensing capability, DPT is part of that. Now today, I'm going to share some thoughts around this very important topic that I find very close to my heart, and I would like to share my thoughts with all of you here.

0:34我認為現在正是金融產業非常有趣的轉折點。首先，穩定幣和數位資產正逐漸成為主流，尤其是在金融機構領域。當這些資產越來越主流時，下一波浪潮也即將來臨，那就是 agentic finance（代理型金融）。我想先從穩定幣和數位資產談起。I believe that at this point in time, we are at a very interesting juncture in the entire financial industry. So it is where we see the intersection of, number one, stablecoins and digital assets becoming more mainstream. Especially within the so-called financial institution or institutional finance. And number two, just as this is becoming more mainstream, we are now going to welcome the next wave, which is agentic finance. I would like to maybe break this down a little bit. Let me first talk about stablecoins and digital assets.

1:10這幾年我們參加了很多像 TOKEN2049、SFF 等活動，穩定幣和數位資產也經歷了幾個階段。最早是投機階段，大家都在想這東西到底是不是真的、會不會發生？接著進入監管覺醒期，全球各地的法規逐漸成熟、明確。現在則是基礎建設期，問題從『這東西會不會發生』變成『我要怎麼以合規方式參與』。I think that in this case, you know, we've been here, Token, SFF, various events. It's been a few years running. So stablecoins overall, together with digital assets, has gone through several seasons. First was the speculative season where people were probably still thinking, Is this real? I'm still very curious about it. Is it even going to happen? Then it became more of a regulatory reckoning season, whereby you see legislations and regulations around the world beginning to be more mature and also gaining clarity, pun intended there. Then the third one is the infrastructure season, which is pretty much where we are right now. And so the question has shifted from, is it real? Is it going to happen? To how can I access this or use this in a more compliant and regulated approach?

2:01區域合作與跨境支付新契機

2:01我們可以看到，現在不只是監管在進步，國際間的基礎建設也在發展。金融機構也積極採用穩定幣，尤其是在貿易支付領域。以我們 MetaComp 來說，支付必須跟實際貿易活動結合。以東南亞為例，ASEAN DIPA（數位經濟夥伴協議）經過多年談判，終於在今年五月由高層官員敲定條款，預計今年十一月正式簽署。So in this case, we can see this panning out here. And if we look at what's happening, it's not just regulations, but in terms of international, you know, G2G, various types of infrastructure, you are seeing it. FIs are also actively looking at adopting stablecoins, and also on the trade front, because when we talk about payments, we are a payments company. So when we talk about payments, it has to follow real trade activities as well. Let me use ASEAN, Southeast Asia as an example. Now, the ASEAN DIPA, Digital Economy Partnership Agreement, is finally seeing the light at the end of the tunnel. After years of negotiations, senior officials in May earlier this year finally concluded on the terms, and we are expecting it to be signed in November this year.

2:54那麼，為什麼這是一個值得思考的重要觀點呢？因為這代表著將會有一些管道，或者說，基本條件正在被建立。例如，跨境資料互通、數位支付整合、電子發票等等。現在，如果你從不同的角度來看，這不僅僅是一個貿易協議本身，而是一個建立共享基礎設施的任務，這個基礎設施能夠促進像是穩定幣和數位資產這類工具的使用，以推動現實世界的活動。我認為這是一個我們應該持續擁抱的重要里程碑。Now, why is this a useful point to think about? Because what this means is that there will be some pipelines or, you know, the fundamental conditions being laid out. For example, interoperable cross-border data, digital payments integration, e-invoicing, so on and so forth. Now, if you think about it from a different perspective, it is not just a trade agreement per se, but it is a mandate to build a shared infrastructure that can facilitate. The use of the likes of stablecoins and digital assets to facilitate real-world activities, and I think this is an important milestone that we should continue to embrace.

3:36現在，東協市場內的不同國家也都在推動各種專案，無論是你知道的，政府在自己生態系統內推動，還是與私人產業參與者合作，我們都看到越來越多這種公私協力的合作正在發生。以新加坡來說，就有好幾個專案可以舉例。Now, the different countries within the ASEAN market have also been embarking on several projects, whether it's a, you know, with the government within their own ecosystem themselves, or with private industry players, we see more of such private-public partnerships happening. Singapore has got several projects to name a few.

3:57穩定幣市場成長與真實應用

3:57但接下來我們要談的是，如果我們從整體來看穩定幣市場，它同樣也在持續壯大。不僅以兩位數的速度快速成長，而且仍然非常有機會在2030年達到三到四兆美元的規模。我相信在我之前的講者應該已經談過很多這方面的內容，但對我們來說，這些發展是每天都在發生的。去年，穩定幣支付交易的總額大約已經達到四千億美元。而且這些交易並不只是投機性質的交易，真正的動力來自於現實世界的貿易、跨境支付等應用。But moving on from that is that if we look at stablecoins market in general, it has also been growing from strength to strength. Not only has it been growing rapidly at double-digit pace, but also it is still very much on track to reach the three to four trillion U.S. dollars by 2030. Now, I believe that speakers before me would have said much about this, but to us, we see this happening on a daily basis. Last year, stablecoin payments transactions would have in total reached 400 billion U.S. dollars. And these are not just speculative type of transactions, but really driven by real-world trade, cross-border kind of payments.

4:40對我們MetaComp來說，我們非常明確是一家Web 2.5支付公司，無論是從基礎設施、我們的核心銀行系統到我們的生態系統，都是如此。我們本質上是一家具有混合特性的公司。過去一年，我們很榮幸能夠分享，我們成功達成了超過100億美元的總交易額，這些交易都涉及到穩定幣。在這超過100億美元的交易中，絕大多數其實都是因為跨境支付所帶動的，而這些跨境支付又是由買家和供應商之間的實體貿易所驅動。對我們來說，這一切都是真實發生的。And for us at MetaComp, we are very much a Web 2.5 payments company from the infrastructure, our core banking system to our ecosystem. Very much a hybrid natured company. What we have seen is that the entire of last year, we are very privileged to share that we managed to hit a total of more than 10 billion US dollars involving stablecoins. And out of this entire, you know, 10 billion US dollars, pretty much most of it would be because of cross-border payments. And driven by real-world trade between buyers and suppliers. So to us, this is real and this is happening.

5:21但要做到這一點，有幾件事情必須先解決，這不僅僅是技術層面的問題，還包括合規性。因為當我們回顧傳統金融領域時，當初設計的合規規範是針對法幣類型的。但對於 web3 這一側來說，性質就不一樣了。所以在 Web2 這一側，例如你使用銀行帳戶時，身份是已知的，但交易紀錄本身可能相對不透明。也許你知道你的直接交易對手，或是間接的一層關係，或者如果是在同一個銀行體系內，可能會有更多透明度。然而在鏈上，情況就非常不同。錢包可以是匿名的、偽匿名的，這取決於情況，但交易紀錄卻是高度透明的。But to do so, a few things will have to be settled, and that means the infrastructure itself, not just the tech part, but also compliance. Because when we look at the traditional financial side, the compliance that were designed were for the fiat type. But for the web3 side, we have a different nature. So in Web2 side, for example, if you use bank accounts, identity is known, but the transaction, the history of transaction can be relatively opaque. Maybe you know your direct counterparty or indirect one, maybe one hop, or if it's within the same banking ecosystem, maybe you have more transparency. Whereas on-chain, that's quite different. Wallets could be anonymous, pseudo-anonymous, depending, but the transaction history, it's highly transparent.

6:13你可以追溯無限多次的跳躍，以了解那個代幣隨著時間可能經過了哪些地方。因此，你能夠以這種方式建立出某些模式。所以，我們因此需要建立基礎設施，來能夠調和Web2世界和Web3世界中所有這些特有的差異。You can trace back infinite number of hops to understand where that token may have traveled over time. And so you are able to establish patterns in that sense. So we will therefore need to build infrastructure to be able to reconcile all these idiosyncrasies within the Web2 world and the Web3 world.

6:33Agentic Finance 與信任挑戰

6:33當我們在穩定幣和 Web2.5 取得突破後，下一波浪潮就是 agentic finance（代理型金融）。現在已經有機構用 AI agent 來執行交易，無論是對客戶、內部流程還是 B2B。這個領域很令人興奮，但要大規模採用，最重要的關鍵就是『信任』。在可編程貨幣和 agentic AI 結合的時代，信任變得前所未有的重要。Now, as we have managed to make breakthroughs in this aspect, in terms of stablecoins, token, the so-called Web2.5 world, the next wave has broken, and that's agentic finance. Now, for agentic finance, as we speak now today, there are institutions out there already using agents to execute transactions, whether it's with their customers, whether it's within the internal organizations themselves, or B2B. So we have seen that happening. Now, this is something that there's a lot of excitement. We have been talking about this, whether at Token itself, at side events outside. But I feel that there is something that we will need to definitely address in order to see this adoption to scale. And the very important thing is trust. Trust in an era of programmable money and agentic finance.

7:29那為什麼我們現在要討論這個呢？因為現在我們看到可編程貨幣和自主型 AI 正在融合在一起。這幾乎就像是天作之合。可編程貨幣，例如穩定幣、代幣，它們可以即時結算。它可以，嗯，你知道的，全天候 24 小時運作。我們可以避免像傳統對應銀行那樣的摩擦。所以這是一個很重要的特點，而且它還能執行可編程條件。這些就是它獨特的特性。然後我們有自主型 AI、自主型金融，你擁有可以自主運作、同樣能 24 小時工作的代理人，因此他們可以結合具有最終性、原子級速度的可編程貨幣一起運作。這樣你就擁有了真正強大的金融能力。So why are we talking about this now? Because now we see the convergence of programmable money and agentic AI coming together. It's almost like a perfect match in heaven. Programmable money, such as stablecoins, tokens, they can settle instantly. It can, you know, be 24/7. We can avoid, you know, having the corresponding bank friction. And so this is something that is, and it can execute programmable conditions as well. So these are the unique characteristics of this. Then we have agentic AI, agentic finance, where you have agents that are autonomous, that can work 24/7 as well, and that can therefore use programmable money, which has finality, has speed at atomic level, together. You have a genuinely powerful finance capability.

8:24你擁有能夠思考、行動並在單一連續動作中完成結算的金融。這在大多數情況下是很棒的，因為這代表更高的效率，也希望能降低成本，因為你可以優化一切。但這同時也意味著所做出的決策可能是不可逆的。所以如果你有一個好的代理人，那一切都很好。但如果你碰巧遇到一個壞的代理人替你做決策，那我們就會陷入麻煩。因此，這就是治理問題出現的地方。我們要如何在這個系統中建立信任？You have finance that can think, act, and settle in one single continuous motion. So that's great in most instances because it means that higher efficiency, hopefully lower costs because you optimize everything. But what this also means is that decisions made can be irreversible. So if you have a good agent, that's all great. But if you happen to encounter a bad agent making that decision for you, then we'll be in trouble. And so this is where the question of governance comes in. How do we build trust into this system?

9:02AI 安全、國際治理與信任標準

9:02現在，如果我們仔細思考這一點，而且我相信在座許多人都有在關注這些國際發展的新聞，AI 安全已經成為全球許多討論的焦點。即使是 Anthropic，在它最近的 IPO 申請文件中，數百頁的內容裡，也有相當大的一部分專門在提醒人們 AI 的使用風險，即使同時也談到了 AI 的機會。例如，其中一個例子就是代理人（agents）可能會變得非常聰明，聰明到足以變得狡猾。狡猾是什麼意思？也就是說，它會知道如何掩蓋自己的行蹤，當它知道自己被監控時，會表現得不一樣。Now, if we think about this, and if I think many of you would have been watching the news following some of these international developments, AI safety has been coming to the forefront of many conversations around the world. Even for Anthropic, in its most recent IPO filing, hundreds of pages, there's a significant portion of this dedicated to warning people about the use of AI, even as it talks about the opportunities of AI. So, for example, one of this would be that agents could get so intelligent that it can be cunning. Cunning in what sense? That it will know how to mask its track, to behave differently if it knows it's being monitored.

9:48其他國際組織，例如FSB，今年稍早也表示，治理結構隨著時間必須調整，因為代理人全天候24小時高速運作的特性。人類幾乎不可能檢查每一個決策點或每一個步驟。因此，整個架構都必須改變。所有原本為了讓人類使用系統並由機器執行某些事情而設計的政策，在這種情境下將不再適用。現在，如果我們再看看其他例子，我的意思是，這並不是我剛剛提到的這兩個機構憑空想出來的。我們看看IOSCO，也有類似的說法。世界上其他司法管轄區，例如歐盟，也都提出了類似的意見。Other international bodies like the FSB has also said earlier this year that the governance structure will also have to shift over time because of the nature of agents working 24/7 at such speed. It's almost impossible for humans to check every decision point or every step of the way. So the whole construct will have to change. All policies that were designed for the humans to use systems and machines to execute something will not quite apply in this context. Now, if we also look at some other, I mean, this is not, this is not something that is just cooked up by these two entities that I've just cited. We look at IOSCO, it has also said something similar. There are other jurisdictions such as EU around the world also saying something similar.

10:49最近連聯合國都在討論這議題。新加坡外交部長 Vivian Balakrishnan 上週在聯合國大會呼籲制定 AI 安全公約，尤其針對 agent，並設立國際中立機構來推動技術標準、最佳實踐，以及強化測試和認證。這些都是很重要的里程碑，值得大家關注。Now, in most recent time, I thought something that is very interesting to think about is that even at the UN level, this is also very much a conversation. Singapore Foreign Minister Dr. Vivian Balakrishnan at last week's UN General Assembly spoke of and called on having a UN convention on AI safety, especially for agents, and that an international neutral body be set up to promote or set common technical standards, promote best practices, and also to see how we can, in a way, promote robust testing and assurance to this, so that there is something that is neutral, a body that is neutral to be able to certify this. I think these are all very significant and important milestones, and we should sit up paying attention to this.

11:35MetaComp 的責任與 KYA 框架

11:35對於我們MetaComp來說，我們也同樣相信這一點。作為一家持牌支付機構，我們認為我們不僅要提供能夠增強金融韌性的支付服務，為我們的客戶提供多元選擇，同時擁抱前沿科技並以負責任的方式導入這些技術也非常重要。因此，當我們現在邁向agentic finance本身時，我們認為確保我們所使用的agent治理機制到位是非常重要的，這樣我們才能在合作夥伴之間建立信心與信任，更重要的是，讓我們的客戶也能夠充滿信心。Now, for us at MetaComp, we believe this as well, because as a licensed payment institution, we believe that not only do we want to deliver payment services that build resilience into finance, that offer our clients options, but it is also important that we embrace frontier technology and deploy them in a responsible manner. So while we have now moved forward, into agentic finance itself, we feel that it is important that we make sure that the governance of the agents that we use are in place so that we can build confidence and build trust amongst our partners and most definitely instill that confidence in our clients.

12:18所以我們在2026年四月，也就是今年，在Money 2020活動期間，推出了我們的StableX「認識你的代理人」框架，也就是KYA框架。這個框架是參考了多項指引所制定的。我們參考了新加坡法定機構IMDA的「代理型AI治理模型框架」，該框架最初於一月發布，後來在五月進行了更新。我們也參考了MAS的SAFR框架，而且到目前為止，我們仍持續確保與多項國際標準和框架保持一致。So what we have done is that in April 2026, this year, by the side of Money 2020, we launched our StableX Know Your Agent framework, the KYA framework. So for this framework, we took reference from several guidelines. We took reference from Singapore Statutory Board IMDA's Model Governance Framework for Agentic AI. First launched in January, later updated in May. We've also taken reference from MAS SAFR framework, and as we speak now, we continue to ensure alignment with several international standards and frameworks as well.

13:01這就是 KYA。現在針對 KYA，我們是依照四大原則和四大支柱來組織的，請允許我藉這個機會和大家多分享一點我們的架構。四大原則。第一個原則是評估與界定。也就是說，我們必須清楚知道我們要讓代理人用於哪些使用情境或用途。代理人可以做很多事情，但我們需要明確定義這個代理人是為哪些使用者設計的。為什麼這很重要？因為一旦我們知道了使用情境，我們就能理解代理人在執行這些活動時可能會遇到的風險。因此，基於這一點，我們就能夠制定相對應的風險緩解措施。So this is KYA. Now for KYA, we have organized this according to four principles and four pillars, allow me to take this chance to share a little bit more about our framework with you. Four principles. First principle, assess and bound. And that is that we must know what use case or use cases are we using the agents for. The agent can do many things, but we need to define what users this agent is meant for. Why is this important? Because once we know the use case, we'll be able to understand the risks that may come along with the activities that the agent will have to engage in. And therefore, with that, we'll be able to put in place the corresponding mitigation measures.

13:49第二點，人類責任。現在，科技應該是輔助工具，幫助人類更好地工作與生活，而不是取代我們。因此，人類責任仍然是這其中非常重要的一環。我們不應該自己寫程式把自己從這個方程式中排除掉。這代表每一個代理人都應該至少有一位人類，甚至是一個團隊，與其綁定，對其負責並承擔責任。但這也意味著，在關鍵決策時刻，明確的人類核准也應該被設計進流程中。 接下來是第三個原則，技術控管。這就是我們在本來高度機率性的情境中，引入一些決定性的元素。所以技術控管很重要。我舉一個非常簡單的例子。Number two, human accountability. Now, technology should be an enabler. To help humans do our work to live our lives better, not to replace us. And therefore, human accountability remains an important part of this. We shouldn't be vibe coding ourselves out of the equation, basically. And what this means is that every agent should have at least one human, if not a team, bound to it to be responsible and accountable to that. But it also means that at critical decision junctures, an explicit human approval should also be designed into the process. Now the third principle, technical controls. This is where we introduce something deterministic into what would have been highly probabilistic. So technical controls is important. Give a very simple example.

14:42舉例來說，你的代理人可以自主地執行你的指示。所以我可能會指示代理人說，現在我想要買一雙藍色的鞋子，但很明顯我不會希望代理人去買一雙價值一萬美元的鞋子。因此，我可能會設定一個門檻，告訴代理人說，如果價格在一百美元以下，請直接購買；超過這個金額，請先跟我確認。第四個原則是使用者責任。這一點很重要，因為使用者自己應該要知道，他或她仍然要對代理人的使用負責。但當然，我們其他人也必須盡自己的一份力來支持使用者。For example, your agent could autonomously execute your instruction. So I may instruct the agent to say that now I want to buy a pair of blue shoes, but clearly I wouldn't want the agent to buy something that is $10,000. So I may set a threshold to say that below $100, please go ahead. Above that, please check in with me. The fourth principle is user accountability. Now, this is important because the user himself or herself should know that he or she is still accountable for the use of the agent. But of course, the rest of us will also have to do our part to support the user.

15:21KYA 四大支柱與產業合作呼籲

15:21接下來談到四大支柱，首先是代理人身份。這一點非常重要，也是我們架構中最重要的部分。因為代理人是自主運作的，所以我們設計的系統要求每個代理人都必須擁有一個獨特的識別碼，並且被儲存在一個可驗證的資料庫中。接著，我們還有範圍設定、權限控管，以及行為監控，確保每一項活動都會以不可竄改的方式被記錄下來。最後一個支柱則是關於我們如何治理代理人之間的互動，因為我們不希望有任何惡意代理人進入系統，然後取得資訊或執行我們未授權的行為。And then for the four pillars, agent identity. This is important and the most important part of our framework. Because the agent is autonomous, and what we have built in is that the agent will have to have a unique identifier and be stored in a database that is verifiable. And then we also have the scoping, permission control, as well as behavior monitoring, ensuring that every activity is being logged in an immutable manner. And the last pillar is about how do we govern agent-to-agent interaction, because we don't want that any rogue agent to enter the system and then retrieve information or do something that we did not authorize it to do.

16:04所以如果你仔細想想，針對代理人身份，在完成驗證、通過評估之後，我們會發放一張證書，證明這個代理人已經通過測試。然後，假設這就像是一個信任標章，當這個代理人開始與其他代理人互動時，他們就必須交換憑證，以確保彼此被認可，才能進行下一步的行動。對我們來說，這是我們非常自豪能夠建立起來的機制，我們也會持續希望與產業中的參與者、志同道合的夥伴合作，一起持續推動這項發展。作為一個產業，我希望我們能夠以此為基礎，建立一套共同的標準。So if you think about it, for the agent identity, after verifying it, after clearing the assessment, we issue a certificate to certify that this agent has passed the test. And then with that, assuming it's like a trust mark, when the agent starts interacting with other agents, they will then have to exchange credentials to make sure that they are mutually recognized before the next step of action can take place. So for us, this is something that we are very proud to have put in place, and we continue to want to work with industry players, like-minded partners. To come and jointly continue to build on this, and to, you know, as an industry, I hope that we can build on this to create a common set of standards.

16:49現在，我注意到時間的關係。我知道我的時間已經到了，但剛才分享得有點太投入。不過對我們來說，我們現在不僅升級了我們的 KYA，還把它實際應用到真實的生產環境並且運行中。所以這是我們目前已經落實的事情。為了節省時間，如果可以的話，我想以一個呼籲和一段影片作為結尾。我的呼籲是，再次強調我們大家需要持續合作，因為只有當我們攜手合作，而不是各自築起高牆時，我們才能確保互通性。有了互通性，採用率才能擴大。Now, I'm mindful of the time. I know my time is up here, but got a little bit carried away in my sharing. But for us, what we have done is that we have now not only upgraded our KYA, but translated it into real live production and running. And so this is something that we have in place. And for this, if I could, therefore, to save time here, I would like to end with a call and a video. Call is to again to reinforce my call to everyone that we need to continue to work together because it is when we come together and not behind walled gardens that we can ensure that there's interoperability. With interoperability, adoption can scale.

17:34因此，如果我們希望繼續推動代理型金融的發展，我們就必須能夠彼此認可對方的標準，即使我們沒有採用完全相同的解決方案。這一點非常重要，而在這方面的思想領導也必須持續進步。因此，我在此呼籲大家一起加入我們的行列，為這個目標共同努力。And so if we want to continue to go forth. With agentic finance, we need to be able to mutually recognize each other's standards, even if we do not adopt the exact same solution. So this is important, and the thought leadership on this front will also continue to have to progress. And so this is my call to everyone to join us in this effort.

18:01KYA 實作展示與未來展望

18:01最後播放一段影片，展示我們 KYA 框架已經在實際運作。感謝大家的時間，請看影片。And finally, a video to showcase to you what we have done in KYA and what is already possible live in production. With that, I want to thank you for your time, and may I bring up the video. Thank you.

18:16AI agent 開始能自主行動、查帳、移轉資金、做決策。但當 agent 行動時，合規機構如何信任它？誰該負責？StableX Know Your Agent（KYA）於 2026 年 4 月推出，專為解決這些問題。StableX Agentic Network 讓 AI agent 能在合規架構下連接金融機構，支援 SDK 或 Agent X Cloud，每個 agent 都有獨立環境和身份。AI agents are starting to act on their own, checking accounts, moving money, making decisions. But when an agent acts, how can a regulated institution trust it? And who is accountable for what it does? These are the questions that StableX Know Your Agent, launched in April 2026, is designed to answer. StableX Agentic Network connects AI agents to financial institutions within a regulated, safeguarded framework. Built with interoperability in mind, it lets agents run with our SDK or on Agent X Cloud. Every agent runs in its own isolated environment, with its own identity on the StableX agentic network.

18:57KYA 的核心是 agent 憑證，就像 agent 的護照，機構可即時驗證。KYA 對齊 IMDA agentic AI 治理框架、MAS agentic finance 風險控管，為金融系統中的 AI agent 設下更嚴格的防線。每個 agent 都綁定已經過 KYC 的客戶，設有消費上限、負責人與備用聯絡人，閒置自動停用。用戶需知情同意後才啟用。At the heart of KYA is the KYA certificate, the agent's passport. It's a trusted credential that institutions can verify in real time. Aligned with IMDA's Model AI Governance Framework for agentic AI, and with MAS's safeguards for agentic finance at runtime, which sets tighter guardrails for AI agents operating within financial systems. A KYA certificate isn't just a badge. Each agent is bound to a customer the institution has already verified through KYC. It carries clear spending limits. A named responsible person and a backup contact, and it's suspended automatically if left dormant. The user gives informed consent before anything goes live.

19:41機構端可看到所有註冊 agent，依 KYA 指標監控，決定是否發憑證。憑證啟用後，agent 可在授權範圍內使用 MetaComp 金融服務，例如查餘額、在消費上限內付款。agent 會驗證憑證、查詢餘額，全程受控。這就是 StableX agentic network 上的 KYA：agent 可識別、權限明確、人類負責、機構可控。讓 AI agent 成為機構信任的夥伴。On the other side, institutions see every agent registered with them, monitor them against KYA metrics, and decide which agents receive a KYA certificate and which don't. Once issued, the KYA certificate becomes active, and the agent can access MetaComp's authorized financial services within its defined permissions, from checking balances to making payments within its spending limit. Here, it verifies its KYA certificate. Then retrieves the balance through MetaComp's authorized tools. That's KYA on StableX agentic network, an identifiable agent, defined authority, human accountability, and institutional control. AI agents that institutions can trust.

20:27未來我們會持續推動 agentic finance 的互通與信任，邀請志同道合的夥伴加入、分享最佳實踐，共同塑造 agentic 支付的未來。MetaComp，讓支付更簡單，天生有韌性。And there's more to come. We will keep building towards interoperable, trusted agentic finance. We invite like-minded stakeholders to join us, collaborate, share best practices, and help shape what comes next in agentic payments. MetaComp, bringing you easier payments, resilient by design.