FAQ
Prokura Network operates Prokura, the authority layer for agentic payments. These answers say what that is and what it is not.
last updated 2026-11-11
Key facts
- Prokura is a signed mandate, a deterministic gate, and a verifiable evidence ledger.
- Prokura is not a bank, does not hold money, and has no model in the decision.
- Prokura Network is operated by Fynteq, Frankfurt am Main.
- What is live is the public demo and the evidence feed. Rail status is whatever /status reads from the core.
- The source is public at github.com/prokura-network. The licence is the one in that repository.
Is Prokura a bank or payment institution?
No. Prokura Network is not a bank and does not claim a payment-institution licence. The network moves the money. Prokura proves the authority behind the instruction.
Does Prokura hold money?
No. There is no wallet and no custody of funds. Rails execute on their own accounts.
Is there an AI in the decision?
No. The Prokura gate is a deterministic function. It does not call a model. Reason codes come from that function, in a fixed order.
Which rails are live today?
The only live statement is /status, which reads the core's rail health. This answer does not copy those rows, because they change. An adapter in the repository is not a partnership and is not, by itself, a production rail. The public demo uses test mode where a rail is attached.
Can agents pay other agents?
Yes, when the Prokura Credential names that payee and the Prokura gate allows the intent. The public feed records those decisions as agent_to_agent. An agent still cannot grant its own mandate.
What is a delegated mandate?
A delegated mandate is a child Prokura Credential whose parent is another mandate. The child can spend only inside the parent's cap, payees, purposes and expiry. Each hop is gated. The public feed names the parent with delegationParent.
Is the demo real money?
No. The demo uses fake money and, where a rail is attached, that rail's test mode. Amounts on the public field are buckets, not a bank balance.
Is Prokura a payment institution?
No. Prokura Network does not move money and this page does not claim a payment-institution licence. The network moves the money.
Which networks does it work with today?
The only status statement is the integrations table on the homepage, and that table is read from configuration. This answer does not hard-code a live or partner status.
The core repository contains adapters for Mollie, x402, AP2, Visa Trusted Agent Protocol and the Visa sandbox. Mastercard Agent Pay has no adapter in that repository. An adapter in the repository is not a partnership and is not, by itself, a production connection.
Is the gate AI?
No. The Prokura gate is a deterministic function. It does not call a model. Reason codes come from that function, in a fixed order.
Does the demo agent on the website call a model?
The scripted demo agent does not. Its lines are fixed and its tool calls are real calls to the gate. Visitors do not type to it. Agents that connect through /mcp are the visitor's own client.
Where is data stored?
Production is a server in Germany, next to the core. Demo evidence uses an opaque session id as the principal. The website does not keep a database copy of form submissions. This deployment does not store addresses or names from demo sessions.
How do I verify a Nachweis?
A Nachweis is a signed evidence record. Its hash is SHA-256 of an RFC 8785 canonical JSON array: previous hash, intent, decision, reasons, rail reference, created-at, then the remaining stored fields. The first previous hash is 64 zero digits. The server signs the raw 32-byte hash with Ed25519. A later record's previous hash is the previous record's hash.
The day's records are committed in a Merkle tree. A leaf is SHA-256 of a 0x00 byte plus the leaf bytes. An inner node is SHA-256 of a 0x01 byte plus the left child plus the right child. The signed daily root is GET /v1/roots/{date} on the core. Before that root exists, inclusion proofs use the latest hourly checkpoint.
On the homepage, verify in this browser recomputes the session chain, including mandate_prev_hash on version 2 records, and the same Nachweis is sent to the core's public verify. The core repository also verifies a file offline with its verify command.
Can an agent issue its own mandate?
No. prokura_request_mandate returns a URL and a QR code. A human has to open it. The tool result does not contain a credential.
What are the demo limits?
100.00 EUR per payment, approval above 50.00 EUR, 150.00 EUR per day, ten minutes, the fake store only, Mollie test mode, five mandates per client address per hour, one active mandate per session.
What is the Agent-Policy header?
Agent-Policy: mandates-required-for-payments is a Prokura convention. It is not a standard. It means a payment is not authorised until a human has granted a covering Prokura Credential and the gate has allowed the intent. The explanation is at /docs/agent-policy.
Who operates Prokura Network?
Fynteq, Frankfurt am Main, until a Prokura entity exists. bilton@prokura.network and security@prokura.network.
How does an agent connect?
Use the connect snippet on the homepage. It is this site's origin plus /mcp, taken from the request, not a fixed host. Read /llms.txt before calling a tool. Request a mandate, have a human open the URL, then check or pay.