12
Dual-rail · AI-native · MAS-regulated

Move money globally.

Instantly. Borderlessly.

Stablecoin and fiat payments on one account. Built for AI agents, corporates, and merchants moving money anywhere.

+48,200 USDC received

OpenAI Agent · x402 · 0.3s

Payroll · SGD 32,450

48 recipients · Instant

−0.15 USDC · MCP

Research Bot · auto-topup

app.sensenpay.com
Overview
Payments
Receivables
Cards
Convert
Agents
Compliance

Total balance

S$ 1,284,560.42

SGD
USD
USDC
USDT
Incoming · USDC from OpenAI AgentA2A
+48,200.00
Payroll Batch · SGDBatch
−32,450.00
FX Convert · USDT → SGDInstant
+0.00
AI Agent · Research Bot · MCPMCP
−0.15

FX Rates

USDT → SGD

1.3567

+0.12%

USDC → USD

1.0001

+0.01%

SGD → USD

0.7372

−0.04%

Agent Wallets

Research Bot

$100

$50/day

Pricing Agent

$450

$200/day

Quick Send

Fiat · Stablecoin · Instant

The Opportunity

A $40 trillion market shifting to stablecoin rails.

$0T+

Annual stablecoin volume

2024 global flows

0%

YoY payment growth

Digital volumes

$00T

AI commerce by 2030

Consumer + agentic

$00B

Serviceable market

Our initial wedge

The Platform

Three products. One architecture.

Agent Wallets Business Account Corporate Card
01
Agent Wallets · SAPP

Agent-native
payments.

Spin up isolated wallets for every AI agent — hard daily caps, API keys, auto-topup. Sensen routes x402, A2A and MCP so your agent never hits a dead end.

  • Per-agent balance, daily cap, API key
  • Auto-topup from business account
  • Protocol-agnostic: x402, A2A, MCP
  • Full audit trail on every transaction
Build on SAPP
app.sensenpay.com / agents

Agent Wallets

3 active · $650 total balance

+ New Agent

Research Bot

sk_agent_3c29…4f81

MCP

$100.00

$50/day

Pricing Agent

sk_agent_9f14…2a33

x402

$450.00

$200/day

Order Processor

sk_agent_7b03…c9d2

A2AMCP

$100.00

$500/day

Recent activity

Research Bot · Paid 0.15 USDC via MCP2s ago
Pricing Agent · Paid $2.40 via x402 to DataAPI1m ago
Order Processor · Auto-topup +$100 from account12m ago
app.sensenpay.com / account

Total balance

S$ 1,284,560.42

↑ +S$12,340this week

Currency breakdown

SGD
948,230
USD
215,840
USDC
84,500
USDT
35,990

Recent

Incoming · USDC · OpenAI Agent+48,200
Payroll Batch · 48 recipients−32,450
FX Convert · USDT → SGD+67,804
AI Agent · Research Bot−0.15
Send
Receive
Convert
FX
02
Business Account · Dual-Rail

Fiat + stablecoin.
One account.

Real multi-currency bank accounts plus on-chain stablecoin balances unified in one dashboard. Convert between any pair in seconds at transparent rates.

  • SGD · USD · USDC · USDT in one view
  • Instant + trigger-based FX conversion
  • Maker-checker approval flows
  • 24/7 cross-border settlement
Open a business account
03
Corporate Card

Corporate cards,
instantly.

Virtual and physical Visa cards linked directly to your dual-rail account. Role-based spend controls, real-time analytics, zero reconciliation overhead.

  • Virtual + physical card issuance
  • Role-based spend limits per cardholder
  • Real-time transaction tracking
  • Auto-reconciliation, no manual uploads
Issue your first card
app.sensenpay.com / cards

Virtual · SGD

Active

•••• •••• •••• 4829

Holder

SARAH NG

Limit / mo

S$5,000

VISA

Cards · 4 issued

+ Issue card

Sarah Ng

···· 4829 · Virtual

S$1,240

S$5,000/mo

James Tan

···· 3317 · Physical

S$4,820

S$10,000/mo

Wei Lin Chen

···· 9054 · Virtual

S$0

S$2,000/mo

For AI Agents

Every protocol.
Every border.
One wallet.

Agents fragment across x402, A2A, MCP. We're the connective layer — policy-validated, institutionally custodied, instantly settled.

Build on SAPP

Coinbase

x402

Google

A2A

Anthropic

MCP

Agentic Payment Protocol

Universal payment request

Payment & Policy Engine

Rules · Controls · Audit

Wallet Manager

MPC · Maker-checker

Sensen Wallet99.60 USDC

Why Sensen

Institutional infrastructure. Startup speed.

01

Institutional custody

MPC wallets, Gnosis Safe multi-sig, Ledger hardware. Maker-checker on every sensitive operation. Full audit trail from quote to settlement.

02

Protocol-agnostic by design

Your agents don't pick a protocol — Sensen routes to whichever works. x402, A2A, MCP today; whatever comes next tomorrow.

03

Real-time, real-world

24/7 settlement across stablecoin rails and traditional fiat corridors. 200+ currencies reachable in seconds.

04

Built-in compliance

KYB, sanctions screening, transaction monitoring, travel rule — fully automated. MAS-regulated under the Payment Services Act.

Regulatory

Six regulated activities. One licence.

01

Account Issuance

02

Domestic Money Transfer

03

Cross-border Money Transfer

04

Merchant Acquisition

05

E-money Issuance

06

Digital Payment Token (DPT)

Leadership

45+ years of payment infrastructure.

NT

Nikki Tian

CEO

15+ years

  • Former GM of Sinopay Singapore, leading UnionPay acquirer in SEA
  • Led 7 yrs growth into Visa, Mastercard & wallet acquiring
  • Built acquiring partnerships with UOB & OCBC across major payment networks

Prior

DB Schenker · Sinopay · dtcpay

EL

El Lee

COO & Product Lead

15+ years

  • 3x Top 10 FinTech Leaders Award winner
  • Ex-COO of MAS-licensed MPI dtcpay & pure-play custody firm Onchain Custodian
  • Proven product development leadership in fintech startups, from zero to one

Prior

JP Morgan · CIMB · Onchain Custodian · dtcpay

JJ

Justine Jiang

CCO

15+ years

  • Former MD, Head of Compliance & Risk Policy at DCS Card Centre
  • Former CCO at MAS-licensed MPI dtcpay
  • 14 years in payment compliance across global & regional institutions

Prior

Bank of China (HK) · BNP Paribas · Bitdeer · DCS · dtcpay

Startup of the Year

Asia Fintech Awards 2025

Finalist

Singapore FinTech Festival 2023

MAS MPI Licence

6 regulated activities

SG FinTech Festival

Finalist 2023

Singapore FinTech Association

Member

ACCESS Singapore

Member

Digital Assets Association

Member

Startup of the Year

Asia Fintech Awards 2025

Finalist

Singapore FinTech Festival 2023

MAS MPI Licence

6 regulated activities

SG FinTech Festival

Finalist 2023

Singapore FinTech Association

Member

ACCESS Singapore

Member

Digital Assets Association

Member

Open an account. Move money globally.

KYB onboarding typically completes in 1 business day. No minimums, no setup fee.