Proof of human intent, in one tap.

In agentic commerce, an AI agent searches, compares, books or orders on a person’s behalf. The person remains accountable. Key decisions still need a human.

Koard provides the human trust layer for delegating to the agent, setting its scope, approving its actions and paying.

Proving human intent means attributing an agent’s action to a real person who intended it.

A tap of the physical card on their own phone proves possession at that moment. The proof is bound to the action shown. The requesting platform holds the result.

A biometric proves the person who unlocked the phone is present. It does not prove card ownership. Stolen card details enrolled into a wallet pass the biometric every time.

A tap proves possession of the physical card. Use it alongside existing controls for actions your policy marks as high risk or high value.

The agent platform can request a tap in its app. The bank can request one in its banking app. The merchant can request one before releasing a large agent order.

The party with the cardholder’s attention runs the tap and can pass the result to the party carrying the risk.

Tap to Verify, Tap to Authenticate, Tap to Add Card and Tap to Confirm are non financial. No money moves. There is no interchange. There is nothing to certify. The tap can sit anywhere in your flow, including outside a payment authorization.

Every approval is bound to one action, one amount, one counterparty and one moment. It cannot be replayed, applied to a different action or reused after it expires. Any second use of the same proof is rejected.

Neither the agent nor the platform sees the card number. The platform receives an outcome and a proof. When a card is added by tap, the platform holds a token reference, the last four digits for display and the provenance recorded on the token. It never holds the primary account number.

You receive an outcome and proof. The proof records card presence and the tap on the cardholder’s own device. It also records the action, amount and moment to which it is bound.

Keep it. If a cardholder later says the agent’s purchase was not theirs, the merchant holds evidence of card presence at approval.

There is one SDK. The tap happens on the cardholder’s own phone. These Cardholder Device flows run on Android. The same SDK also supports Terminal flows on both iOS and Android. In those flows, the merchant’s phone is the terminal.

It is priced per tap. There is no integration fee, no setup fee and no monthly minimum. The party that asks for the tap pays for it and can pass the cost or a margin on it down the chain.

Sign up with your company and a work email. We review every signup, and approved partners receive the Tap for Everything document, the Android demo app and a sandbox to build against.