KAELUM
KAE RATE£0.20fixed rateSPEND DISCOUNT6%+merchant discount, 4.5% fee appliesGOVERNANCEK.A.T.E.Ai-governedSTRUCTUREClosed-loopnon-crypto commerce currencyVERIFIED MERCHANTS1in pre-launch testingTOP DISCOUNT8T Clothing18% OFF1 KAE ≈ USD$0.27today's rate1 KAE ≈ CAD$0.38today's rate1 KAE ≈ AUD$0.39today's rate

Agentic Commerce Payments

AGENTIC COMMERCE PAYMENTS FOR INDEPENDENT MERCHANTS

Ai Agents Are Learning To Shop. KAELUM Is Built So Independent Merchants Can Be Paid By Them, With A Person In Control Of Every Spend.

Agentic commerce is shopping carried out by Ai agents on behalf of people and businesses. An agent can find a product, compare options and fill a basket. The hard part is the payment: who authorised it, how much the agent was allowed to spend, and who answers for it if something goes wrong.

KAELUM is an Agentic Ai-Native Digital Commerce Currency Platform built in the UK. Merchants accept KAE, a commerce currency fixed at £0.20 per unit, from customers and from the agents those customers authorise. K.A.T.E., the Ai engine that governs the platform, checks every payment against the limits the customer set. KAELUM is pre-launch and is working towards the appropriate regulatory permissions before it takes any customer funds.

How will Ai agents pay merchants?

Today most agent purchases still end at a card form designed for a human. That forces agents to hold card details or hand the final step back to a person. Agentic commerce payments need a payment method an agent can use directly, inside limits a person has already agreed.

On KAELUM the customer funds their account once and grants their agent a mandate: what it may buy, how much it may spend and when it must ask first. The agent prepares the payment to the merchant in KAE within that mandate, and the customer approves it. Fully autonomous buying is built but switched off. Nothing outside the mandate can move.

How to accept payments from Ai agents

Merchants accept agent payments the same way they accept customer payments, through KAELUM checkout. The merchant integrations are built and in pre-launch testing.

Universal Checkout

One checkout that serves a person at a browser and an agent acting for them, with the same discount and the same receipt.

Store integrations

Integrations for Shopify, Wix and WooCommerce, plus QR payments in store, are built and in pre-launch testing.

Agent Payments (K402)

Puts the web’s long-reserved 402 Payment Required code to work, so an agent can ask to pay and the customer’s rules decide the answer.

A full audit trail

Every agent payment records who acted, under which permission, and what was bought, so disputes start from facts.

Agentic commerce payments for small businesses

Large retailers will negotiate their own agent deals. Independent shops, makers and creators need a route that costs little and works on day one. KAELUM charges merchants no fee on the payments they receive, and there is no card interchange on KAE payments.

Customers have a reason to choose a participating merchant: a 6%+ merchant discount when they spend KAE. A 4.5% platform fee applies. That gives an agent shopping on a customer’s behalf a clear signal of where the better price is.

Agentic commerce for independent retailers in the UK

Up to 95% of UK card transactions run on Visa and Mastercard. KAELUM is UK-built, and bank payments are designed to run on Open Banking through TrueLayer, with Stripe as an optional card top-up route. 8T Clothing is the first verified merchant integration.

KAELUM is designed to sit alongside the wider changes in UK and European payments, including new account-to-account rails and the digital euro, as the governed commerce layer agents and people can both use.

Frequently asked questions

Agentic commerce payments are purchases an Ai agent prepares on behalf of a person or business, inside limits the person set in advance. The person approves each payment, and a record shows who authorised it.
KAELUM merchant checkout is built so customers and the agents they authorise can both pay in KAE. Integrations for Shopify, Wix, WooCommerce and in-store QR are built and in pre-launch testing. KAELUM is pre-launch and is working towards the appropriate regulatory permissions before it takes any customer funds.
KAELUM does not charge merchants a fee on payments they receive, and KAE payments carry no card interchange. Customers receive a 6%+ merchant discount when they spend KAE; a 4.5% platform fee applies to the customer.
The customer sets the agent’s permissions, sensitive actions pass a human approval gate, and every payment is recorded. Disputes run through KAELUM’s governed dispute process with evidence from both sides.
No. KAE is a commerce currency fixed at £0.20 per unit. It uses no blockchain, is not an investment and cannot be traded.

Read more on KAELUM Insights

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KAELUM is pre-launch and is working towards the appropriate regulatory permissions before it takes any customer funds. Join the waiting list to hear the moment it does.

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KAE is a commerce currency fixed at £0.20 per unit. It is not cryptocurrency, not an investment and cannot be traded. Spend KAE at participating merchants and creators for a 6%+ merchant discount; a 4.5% platform fee applies. KAELUM is pre-launch and is working towards the appropriate regulatory permissions before it takes any customer funds. KAELUM Technologies Ltd, England and Wales No. 16681154.

Spend KAE. Save 6%+ at every participating Merchant. Real value with every purchase.Not Crypto. Not Blockchain. Not speculation. KAELUM is Agentic Ai Native.You Set The Permission. The Agent Stays Inside It.K.A.T.E. Governs the Rails. You Govern the Spend. Creators: turn any post into a checkout. Monetise your audience directly with Social Paylinks.Most Fintechs Added Ai. KAELUM is Made of it.Autonomous Where it Helps. Human-Gated Where it CountsAgentic Ai You Instruct. Not Ai you Hope BehavesKAE is fixed at £0.20. It never expires and it is not a speculative asset. That is by Design.