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

The payment

infrastructure

for what's next.

Stablecoin and fiat on one business account. APIs built for AI agents. Institutional custody. MAS-regulated in Singapore.

$27T+stablecoin volume
200+currencies
1 dayKYB onboarding

The Opportunity

$0T+

Annual stablecoin volume

2024 global flows

0%

YoY payment growth

Digital payment volumes

$00T

AI commerce by 2030

Consumer + agentic

0+

Currencies reachable

Fiat + stablecoin rails

The Platform

Three products.Every rail.

Open an account
SAPP — AI Commerce

The payment layer
for AI agents.

Autonomous agents need wallets, not forms. SAPP gives every agent a spendable balance, hard daily caps, and protocol-agnostic routing — Coinbase x402, Google A2A, Anthropic MCP unified.

Per-agent wallet + API key
Auto-topup from business account
Policy engine + audit trail
Protocol-agnostic routing
Build on SAPP

Coinbase

x402

HTTP micropayments

Google

A2A

Agent-to-agent

Anthropic

MCP

Model Context

Agent payment flow

AI AgentSAPP Protocol Router
SAPP Protocol RouterPolicy Engine
Policy EngineMPC Wallet Settle
Settled99.60 USDC
Dual-Rail

Business
Account.

Multi-currency fiat and stablecoin in one account. Send, receive, and convert 24/7 globally with built-in maker-checker approvals.

SGD
USD
USDC
USDT
  • Instant cross-border transfers
  • Trigger-based FX conversion
  • Maker-checker approvals
Start
Cards

Corporate
Card.

Visa-branded virtual and physical cards linked to your dual-rail account. Role-based controls, real-time analytics, zero reconciliation.

  • Virtual + physical issuance
  • Role-based spend controls
  • Auto-reconciliation
  • Real-time analytics
Business · SGDVISA

•••• •••• •••• 4829

Holder

SENSEN CORP

Expires

09 / 28

For AI Agents

AI agents shouldn't hit dead-ends at payment boundaries.

Every major AI lab has a payment protocol. Your agent shouldn't need to know which one. SAPP is the connective layer — accepts any agentic payment request, validates against policy, settles in seconds.

Coinbase

x402

Google

A2A

Anthropic

MCP

Any

+ more

Per-agent wallets

Isolated balance, API key, and daily spend cap per agent. Hard limits enforced at the protocol layer.

Policy engine

Every payment validated against your rules before settlement. Full audit trail from request to receipt.

Protocol-agnostic

Your agents don't pick a protocol. Sensen routes to x402, A2A, MCP — or whatever ships next.

Sub-second settlement

On-chain stablecoin or fiat rails. Agents get confirmation in the same request cycle.

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.

3-of-5 MPC

key shares

02

Protocol-agnostic by design

Your agents don't pick a protocol — Sensen routes to whichever works. x402, A2A, MCP today; whatever ships next, we already support.

3 protocols

unified today

03

Real-time, real-world

24/7 settlement across stablecoin rails and traditional fiat corridors. 200+ currencies reachable in seconds, not hours.

200+

currencies

04

Built-in compliance

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

6

MPI activities

Compliance

Six regulated activities.One licence.

Pursuing Singapore's Major Payment Institution licence covering the full suite — including Digital Payment Token.

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 ofpayment 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

Start today

Open an account. Move money globally.

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