MetaComp launches the world's first AI agent governance framework for regulated financial services

At the Money20/20 Asia Summit announced in Bangkok, the StableX “Know Your Agent (KYA)” framework clarifies how AI agents providing services in financial scenarios such as payments, compliance, and wealth management should complete identity verification, authorization control, behavior detection, and accountability mechanisms — this framework was developed by a Singapore team and is aimed at global application.

Bangkok, Thailand, April 21, 2026 – MetaComp Pte. Ltd. (referred to as MetaComp) officially released the “StableX Know Your Agent (KYA)” framework today. This framework is specifically designed for AI agents operating within regulated financial services such as payments, compliance, and wealth management, systematically establishing mechanisms for identity recognition, authorization control, behavior monitoring, and accountability, led by licensed financial institutions, with industry pioneering significance. MetaComp is Asia’s leading provider of integrated Web2.5 digital financial solutions, connecting fiat currency and stablecoin capabilities through a group-level platform, covering payments, fund management, and wealth management. The KYA framework will be open to financial institutions, regulators, and network partners, promoting the safe application and scalable development of AI agents within regulated financial systems.

This release was announced simultaneously at the Money20/20 Asia Summit held in Bangkok, and MetaComp also announced the expansion of its AgentX agent financial service Skill ecosystem. This is the industry’s first ecosystem launched by licensed financial institutions, and from April 21, 2026, it can be used on platforms compatible with Claude, Claude Code, OpenClaw, and other AI platforms. Visit www.metacomp.ai to experience it.

MetaComp Co-President Ms. Tin Pei Ling stated:

“AI agents are already practically applied in financial services—initiating payments, making compliance decisions, managing portfolios. However, currently, the industry has not yet formed a recognized standard to define these agents’ identities, what they are permitted to do, and who is responsible when they act beyond their authorized scope. KYA is our proactive response to this gap in regulated financial services. It governs the full lifecycle of agents within a single architecture—covering identity, authorization, behavior monitoring, and interaction mechanisms between agents.”

To understand the practical significance of this move, we can start with the fundamental issue of identity. When an employee leaves an organization, their system access rights are revoked. But after an AI agent completes a transaction, its identity and permissions do not automatically expire. Agents may remain in the system long after their authorization period ends—lacking verifiable identity anchors, traceable responsibility chains, or intervention mechanisms. Moreover, without security safeguards such as time limits and privacy protections, the long-term behavior trajectories of AI agents could be tracked and exploited. Therefore, full lifecycle governance is crucial," she added.

Unaddressed Governance Gaps in Agent Finance

Global financial institutions are widely deploying AI agents to initiate payments, execute compliance decisions, and manage portfolios. But a McKinsey survey published in March 2026, “AI Trust Status,” shows that fewer than one-third of institutions have established comprehensive governance and control mechanisms to supervise them. PwC’s “2026 Global AI Effectiveness Study” also indicates that Singaporean companies have a higher AI application rate than the global average (67% of Singaporean companies have higher risk tolerance for AI investments, compared to 41% globally), but only 47% of Singaporean companies have a formal responsible AI framework, whereas the proportion among global AI leaders is 63%.

In January 2026, the Infocomm Media Development Authority (IMDA) of Singapore released the “Agent-based AI Model AI Governance Framework,” the world’s first cross-industry AI agent governance framework. The 2026 fiscal budget further advanced this, announcing the establishment of a National AI Committee chaired by Prime Minister Heng Swee Keat, listing the financial sector as one of the four key national AI focus areas, and promising to set up regulatory sandboxes for AI innovation.

MetaComp Co-President Ms. Tin Pei Ling stated:

“We drew on IMDA’s ‘Agent-based AI Model AI Governance Framework’ to develop the KYA governance framework and directly sought feedback from IMDA. We are also actively engaging with other regulators and stakeholders. We do not see this as a final solution but are choosing to publish it openly because this issue cannot be solved by a single organization alone. We call on financial institutions, regulators, and technology partners to adopt, suggest improvements, and work with us to refine this system.”

According to MetaComp’s knowledge and publicly available information, no licensed financial institution has yet released a governance architecture that simultaneously covers agent identity, authorization, scope of action, behavior monitoring, risk scoring, audit trail, and inter-agent interaction governance within a single framework, specifically targeting regulated financial services such as payments, compliance, and wealth management.

The KYA framework enables full operational lifecycle governance of AI agents, clearly defining who the agent is, what it is permitted to do, what it actually does, and how it interacts. The framework is built around four pillars: “Agent Identity and Registration”; “Authorization and Permission Control”; “Behavior Monitoring and Risk Intelligence based on VisionX”; and “Ecosystem and Interaction Governance.” The interaction governance further extends the FATF Travel Rule principles to scenarios involving interactions between agents, creating traceable and verifiable compliance mechanisms.

Under the KYA framework, each AI agent will be bound to a verified identity and linked to real-world natural persons or institutions through an tamper-proof registration system, ensuring clear and traceable accountability from the source. All agents operate within strictly defined permissions, specifying their accessible, decision-making, and executable scopes; built-in security mechanisms will automatically trigger human intervention if operations exceed preset thresholds.

This framework further extends traditional control measures by introducing continuous, real-time monitoring of AI agent behaviors. Its evaluation dimensions not only cover “what the agent did” but also “how it executed” and “whether the results align with the intended goals,” enabling a comprehensive view of behavior throughout the process. As agents operate continuously, their risk profiles will be dynamically updated, shifting risk management from passive response to proactive identification and intervention. Meanwhile, all activities and interactions are securely authenticated and fully recorded, forming a comprehensive end-to-end audit trail, providing regulators, financial institutions, and ecosystem participants with a highly transparent and traceable compliance infrastructure.

The KYA framework extends governance to AI agent interaction scenarios and is based on the core principles of the FATF Travel Rule: under a unified framework, not only are verified identities and transaction information exchanged between institutions, but the entire process of agent initiation and interaction is covered. This design ensures that every interaction is traceable, accountable, and compliant.

This framework applies to all agents operating within the StableX Network, including those invoking MetaComp services via the AgentX Skill ecosystem. Financial institutions and developers can directly access MetaComp’s regulated infrastructure (compliance, payments, and wealth management) through commonly used AI platforms (including Claude, Claude Code, and other platforms compatible via model context protocols).

The first Skill in this ecosystem—VisionX Transaction Verification (KYT) Skill—encapsulates the VisionX Engine, a Web2.5 architecture, as a compliance layer directly callable by AI agents, capable of parallel data integration from over four blockchain analysis providers. More Skills targeting cross-border payments, fund management, and wealth management are expected to be launched by the end of Q2 2026.

Compliance Foundations and Practical Basis

This framework is built on a compliance architecture validated through real transaction processes by MetaComp. Currently, cross-border transactions often involve both traditional banking channels and blockchain networks in a single transfer. FATF data from June 2025 shows that 73% of jurisdictions worldwide have enacted travel rule legislation, but 59% have yet to take any supervisory or enforcement actions.

Alpha Ladder Group’s Chief Compliance Officer Summer Yu stated:

“The current compliance framework is based on the premise that transactions are initiated by humans. But this assumption is no longer valid. Our analysis of over 7,000 real transactions shows that even in environments where fiat and blockchain are intertwined, relying on a single screening tool can miss up to 25% of high-risk exposures. In AI agent-driven scenarios, these risks are further amplified. Without a clear identity layer, defined authorization boundaries, and unified accountability standards, control frameworks will be difficult to establish. VisionX Web2.5 addresses visibility issues, filling risk blind spots across Web2 and Web3; while KYA builds the governance layer, establishing identity, permissions, and responsibility mechanisms for agents within the financial system. Both are indispensable and must be developed in tandem to enable ‘agent finance’ to grow safely and sustainably within a regulated environment.”

This release continues MetaComp’s momentum of sustained growth. In three months, the group completed two rounds of Pre-A funding, raising a total of $35 million; launched the Web2.5 VisionX Engine; established a joint venture with Maqam International Holding; connected Abu Dhabi’s physical assets with Asian capital markets via the StableX Network; and now released the KYA framework to build the governance layer for the next phase of institutional AI agent finance. Funds will be directed toward three main areas: deepening compliance capabilities, expanding regulated payment channels across Asia, the Middle East, Africa, and Latin America, and establishing institutional standards necessary for the AI agent era.

¹ All products and/or services related to securities and capital markets are provided and operated solely by Alpha Ladder Finance Pte. Ltd.

About MetaComp

MetaComp is Asia’s leading provider of unified Web2.5 digital financial solutions, integrating fiat and stablecoin capabilities through an institutional-grade group platform, covering core financial services such as payments, fund management, and wealth management. MetaComp holds a Major Payment Institution license issued by the Monetary Authority of Singapore (MAS), enabling digital payment token (DPT) and cross-border remittance (CBMT) services, serving over 1,000 institutions and qualified investors worldwide.

In 2025, the group’s platform processed over $10 billion in payments and OTC transactions, supporting more than 13 stablecoins, with a monthly volume exceeding $1 billion. Through the StableX Network, institutional clients can transfer, exchange, and manage fiat and stablecoin funds within a unified, compliant Web2.5 financial architecture.

Funding and investment services are provided by MetaComp’s affiliate, Alpha Ladder Finance Pte. Ltd., which holds a Capital Markets Services (CMS) license and Recognised Market Operator (RMO) license from MAS. Its wealth management solutions have managed assets exceeding $500 million.

To date, MetaComp has completed a $35 million Pre-A round and achieved full-year profitability in 2025, demonstrating strong institutional market demand for regulated Web2.5 financial solutions.

For more information, visit www.mce.sg or follow MetaComp on LinkedIn and X: @MetaCompHQ.