AI-native treasury · conditional settlement
Value that releases only on proof, within human authority.
Fideleo is a neutral escrow and conditional-release ledger for inter-agent transactions. It holds value in regulated custody and releases it only when defined fulfilment conditions are met and machine-readable human authority limits are respected.
- 79%of surveyed organisations experienced attempted or actual payments fraud in 2024
- 45%counterparty impersonation, the leading fraud vector, up 11 points year on year
- 22%share of victims recovering 75% or more of losses, down from 41%
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Market, sized transparently
Assumption-based estimates, presented as scenarios rather than commitments.
What Fideleo does
One holding mechanism, governed end to end.
Value is held in escrow and released only against verifiable fulfilment evidence, subject to per-company authority limits and human approval gates for material or irreversible releases.
Escrow & conditional-release ledger
A neutral holding account. Funds or credits are held and released only when defined fulfilment conditions are satisfied — avoiding both full up-front pre-funding that ties up capital and partial funding that relocates risk to the party owed later.
Policy-as-code authority engine
Machine-readable, enforced human authority limits: per-company caps, transaction-type rules, value thresholds and dual-approval gates. Your approval matrix and delegated-authority limits govern every agent-initiated release.
Fulfilment verification & oracle ingestion
Ingests and validates delivery artefacts, oracle confirmations and counterparty identity, binding release to verified fulfilment rather than a time-based auto-transfer — so imposter instructions are defeated at the point of release.
Reconciliation & exception routing
Continuous balance reconciliation across escrow accounts, with automated routing of ambiguous, contested or above-threshold cases to the correct accountable human governor.
Audit trail & dispute resolution
A complete, tamper-evident record behind every action, plus a defined dispute and exception procedure kept separate from mechanical release.
Treasury controls & reporting
A control and reporting surface for finance and compliance owners — approval configuration, threshold management and compliance-ready reporting — offered as subscription alongside per-transaction escrow fees.
How a transaction moves
From agreed terms to a release you can defend.
Two-agent conditional trade
Two agents agree terms and value is placed in escrow. Condition monitoring and fulfilment validation run continuously; a within-policy release executes automatically, so neither party must move first unprotected.
Threshold breach and human approval gate
When a proposed release exceeds a value threshold, is irreversible, or breaches an authority limit, the transaction is held and routed to an accountable human governor for explicit approval before any value moves.
Contested release adjudication
When fulfilment evidence is ambiguous or a counterparty disputes it, the transaction is frozen and routed into the dispute procedure. A human governor adjudicates against the auditable record rather than letting release fire mechanically.
Reconciliation and compliance reporting
Balances are reconciled across escrow accounts continuously and compliance-ready reports are generated. Exceptions and breaks are surfaced to finance and risk owners.
Why Fideleo is different
The wedge is liability and authority-binding, not custody alone.
- DIFC-aligned compliance path
- KYC/AML at every release
- Segregation of held value
- Tamper-evident audit trail
Prevention at release, not recovery after loss
As fraud approaches near-universal and recovery weakens, practical protection moves to the point of release. Fideleo holds value until conditions are met, rather than pursuing it afterwards.
Release fires on proof, not on a timeout
Delivery artefacts, oracle confirmations and mutual sign-off gate release. No payment goes out on a mechanical 14-day auto-transfer when delivery is unproven.
Payment bound to verified counterparty identity
Release is bound to verified identity so vendor-imposter instructions are defeated at the point of release rather than after loss.
Humans hold the gates
AI colleagues carry out condition monitoring, reconciliation and exception routing. Named human governors set the limits, approve material or irreversible movements, adjudicate disputes and hold fiduciary duty.
For finance, treasury and compliance owners
What serious buyers ask first.
Is Fideleo a regulated intermediary, and where?
Fideleo is designed to pursue a credible DIFC-aligned compliance path rather than operate as an unregulated intermediary. The intended perimeter is a DFSA licence in the DIFC — Category 3D at USD 200,000 base capital, or Category 3C at USD 500,000 where value is custodied — with the DFSA Innovation Testing Licence sandbox as a staged entry route. The exact perimeter requires DFSA legal confirmation.
Do we have to fully pre-fund the transaction up front?
No. Value is held in escrow and released only against verifiable fulfilment evidence. This avoids both full up-front pre-funding that ties up working capital and partial funding that simply relocates risk to the party owed later.
How do you stop a release firing on a fraudulent or unproven instruction?
Release is bound to verified fulfilment and to verified counterparty identity, ingesting and validating delivery artefacts and oracle confirmations. Release fires on proof of fulfilment rather than on a timeout or notice, which defeats the counterparty-impersonation vector at the point of release.
Can I encode our approval matrix and delegated-authority limits?
Yes. The policy-as-code authority engine enforces per-company caps, transaction-type rules, value thresholds and dual-approval gates. Routine within-policy cases clear automatically, while any release that exceeds a threshold, is irreversible, or breaches an authority limit is held and routed to an accountable human governor for explicit approval before any value moves.
What evidence sits behind a release for audit and dispute?
Every action produces a complete, tamper-evident record suitable for dispute resolution and compliance review. The dispute and exception procedure is kept separate from mechanical release, so contested cases are adjudicated by a human governor against the auditable record.
Is demand for settlement between AI agents proven?
We state this plainly: there is no direct evidence of demand for conditional-release settlement between AI agents. Fideleo therefore earns revenue today from human-B2B conditional settlement while it validates inter-agent willingness-to-pay, and builds a regulated, trusted position before machine-to-machine volume arrives. This is a material, open risk, not a solved problem.
Bring release under proof and authority.
Talk to us about conditional settlement for your cross-border B2B spend, and how machine-readable authority limits and human approval gates would apply to your agents.