What is Prokura
Prokura is the authority layer for agentic payments: a signed mandate, a deterministic gate, and a verifiable ledger.
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.
Definition
Prokura is the authority layer for agentic payments: a signed mandate (what an agent may spend, where, until when), a deterministic gate with no model in it that checks every payment before it happens, and a hash-chained evidence ledger anyone can verify offline.
Prokura Network is the company. Prokura is the product. A Prokura Credential is the signed mandate. The Prokura gate is the decision engine. A Nachweis is an evidence record.
The network moves the money. Prokura proves the authority behind the instruction.
What it does
A human grants an agent a Prokura Credential. The agent submits a payment intent. The gate returns allow, step_up or deny, with reason codes. Only an allow is executed, and execution happens on a rail the site does not custody. Each decision is appended to a hash chain the principal, a bank or an auditor can check without trusting the operator.
Who it is for
Acquirers and issuers who need an agentic flow they can show a network, with the agents, the merchants and the audit trail separated from their own sandbox.
Companies that deploy agents and need a cap, a payee list, an expiry and a revocation that the agent cannot edit.
Developers who connect an MCP client to the demo and read the evidence afterwards.
How it works
1. A human signs a Prokura Credential that names the agent, the payees, the caps, the purposes, the rails and the expiry.
2. The agent submits an intent: amount, currency, payee, purpose, rail, and its signature.
3. The Prokura gate evaluates the intent against the credential. The gate is a pure function. It does not call a model.
4. Allow is executed by the rail and a Nachweis is written. Step-up waits for a human passkey. Deny is written and nothing is paid.
What it is not
No custody of funds. No payment guarantees. No identity or KYC. No LLM in the decision path. No consumer app.