{
  "schema": "agenticopenfinance.directory.v1",
  "name": "Directory of agentic finance",
  "url": "https://agenticopenfinance.com/directory/",
  "publisher": "AgenticOpenFinance",
  "notice": "Listing is not endorsement or partnership. Every entry has an official source and the date it was checked.",
  "corrections": "https://agenticopenfinance.com/directory/#correct",
  "updated": "2026-09-30",
  "count": 70,
  "taxonomy": {
    "tiers": [
      {
        "key": "policy",
        "order": 1,
        "en": "Regulators and standard setters"
      },
      {
        "key": "standards",
        "order": 2,
        "en": "Standards bodies"
      },
      {
        "key": "protocols",
        "order": 3,
        "en": "Agent protocol publishers"
      },
      {
        "key": "identity",
        "order": 4,
        "en": "Identity and credential bodies"
      },
      {
        "key": "rails",
        "order": 5,
        "en": "Payment networks and rails"
      },
      {
        "key": "sandboxes",
        "order": 6,
        "en": "Sandboxes and innovation hubs"
      }
    ],
    "categories": [
      {
        "key": "legislator",
        "en": "Legislator or executive",
        "tier": "policy",
        "color": "#0B0B0B"
      },
      {
        "key": "regulator",
        "en": "Financial regulator or supervisor",
        "tier": "policy",
        "color": "#4C1D95"
      },
      {
        "key": "ai-office",
        "en": "AI authority",
        "tier": "policy",
        "color": "#5B21B6"
      },
      {
        "key": "data-protection",
        "en": "Data protection authority",
        "tier": "policy",
        "color": "#5A5A5A"
      },
      {
        "key": "intl-body",
        "en": "International standard setter",
        "tier": "policy",
        "color": "#6B6B6B"
      },
      {
        "key": "standards-body",
        "en": "Standards body",
        "tier": "standards",
        "color": "#0E7490"
      },
      {
        "key": "project-host",
        "en": "Open-source foundation",
        "tier": "protocols",
        "color": "#047857"
      },
      {
        "key": "protocol-project",
        "en": "Protocol specification",
        "tier": "protocols",
        "color": "#15803D"
      },
      {
        "key": "identity-body",
        "en": "Identity or credential body",
        "tier": "identity",
        "color": "#B45309"
      },
      {
        "key": "card-network",
        "en": "Card network",
        "tier": "rails",
        "color": "#9333EA"
      },
      {
        "key": "payment-system",
        "en": "Payment system",
        "tier": "rails",
        "color": "#7C3AED"
      },
      {
        "key": "open-banking-infra",
        "en": "Open banking infrastructure",
        "tier": "rails",
        "color": "#A21CAF"
      },
      {
        "key": "sandbox",
        "en": "Regulatory sandbox",
        "tier": "sandboxes",
        "color": "#BE185D"
      },
      {
        "key": "innovation-hub",
        "en": "Innovation hub or project",
        "tier": "sandboxes",
        "color": "#DB2777"
      }
    ],
    "tags": [
      {
        "key": "global",
        "en": "International"
      },
      {
        "key": "eu",
        "en": "European Union"
      },
      {
        "key": "gb",
        "en": "United Kingdom"
      },
      {
        "key": "us",
        "en": "United States"
      },
      {
        "key": "sg",
        "en": "Singapore"
      },
      {
        "key": "hk",
        "en": "Hong Kong"
      },
      {
        "key": "my",
        "en": "Malaysia"
      },
      {
        "key": "ae",
        "en": "United Arab Emirates"
      },
      {
        "key": "sa",
        "en": "Saudi Arabia"
      },
      {
        "key": "ai",
        "en": "AI"
      },
      {
        "key": "payments",
        "en": "Payments"
      },
      {
        "key": "open-banking",
        "en": "Open banking"
      },
      {
        "key": "data",
        "en": "Data rights"
      },
      {
        "key": "identity",
        "en": "Identity"
      },
      {
        "key": "cards",
        "en": "Cards"
      },
      {
        "key": "instant",
        "en": "Instant payments"
      },
      {
        "key": "card-agent-programme",
        "en": "Card agent programme"
      },
      {
        "key": "mcp",
        "en": "MCP"
      },
      {
        "key": "a2a",
        "en": "A2A"
      },
      {
        "key": "ap2",
        "en": "AP2"
      },
      {
        "key": "acp",
        "en": "ACP"
      },
      {
        "key": "x402",
        "en": "x402"
      },
      {
        "key": "tokenisation",
        "en": "Tokenisation"
      }
    ],
    "sectors": [
      {
        "slug": "retail-banking",
        "en": "Retail banking",
        "url": "https://agenticopenfinance.com/sectors/retail-banking/"
      },
      {
        "slug": "wealth",
        "en": "Wealth and robo-advice",
        "url": "https://agenticopenfinance.com/sectors/wealth/"
      },
      {
        "slug": "insurance",
        "en": "Insurance underwriting and claims",
        "url": "https://agenticopenfinance.com/sectors/insurance/"
      },
      {
        "slug": "lending",
        "en": "Lending and credit decisions",
        "url": "https://agenticopenfinance.com/sectors/lending/"
      },
      {
        "slug": "payments-psps",
        "en": "Payment service providers",
        "url": "https://agenticopenfinance.com/sectors/payments-psps/"
      },
      {
        "slug": "cards",
        "en": "Card issuing and acquiring",
        "url": "https://agenticopenfinance.com/sectors/cards/"
      },
      {
        "slug": "ecommerce",
        "en": "E-commerce merchants",
        "url": "https://agenticopenfinance.com/sectors/ecommerce/"
      },
      {
        "slug": "subscriptions",
        "en": "Subscriptions and utilities",
        "url": "https://agenticopenfinance.com/sectors/subscriptions/"
      },
      {
        "slug": "travel",
        "en": "Travel booking",
        "url": "https://agenticopenfinance.com/sectors/travel/"
      },
      {
        "slug": "sme-accounting",
        "en": "SME accounting and cashflow",
        "url": "https://agenticopenfinance.com/sectors/sme-accounting/"
      },
      {
        "slug": "procurement",
        "en": "B2B procurement and invoices",
        "url": "https://agenticopenfinance.com/sectors/procurement/"
      },
      {
        "slug": "treasury",
        "en": "Corporate treasury",
        "url": "https://agenticopenfinance.com/sectors/treasury/"
      },
      {
        "slug": "payroll",
        "en": "Payroll and HR",
        "url": "https://agenticopenfinance.com/sectors/payroll/"
      },
      {
        "slug": "capital-markets",
        "en": "Trading and capital markets",
        "url": "https://agenticopenfinance.com/sectors/capital-markets/"
      },
      {
        "slug": "digital-assets",
        "en": "Tokenised deposits and stablecoin rails",
        "url": "https://agenticopenfinance.com/sectors/digital-assets/"
      },
      {
        "slug": "public-sector",
        "en": "Public sector disbursements and benefits",
        "url": "https://agenticopenfinance.com/sectors/public-sector/"
      }
    ]
  },
  "entries": [
    {
      "id": "ec",
      "url": "https://agenticopenfinance.com/directory/#ec",
      "en": "European Commission",
      "category": "legislator",
      "tier": "policy",
      "tags": [
        "eu",
        "ai",
        "payments"
      ],
      "sectors": [],
      "role": "Proposes EU law, including the AI Act, payment services and financial data access rules, and oversees their application.",
      "site": "https://commission.europa.eu",
      "source": {
        "title": "European Commission: home page",
        "url": "https://commission.europa.eu/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "eba",
      "url": "https://agenticopenfinance.com/directory/#eba",
      "en": "European Banking Authority",
      "short": "EBA",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "eu",
        "payments",
        "open-banking"
      ],
      "sectors": [
        "retail-banking",
        "payments-psps"
      ],
      "role": "EU banking authority that writes standards and guidelines under PSD2, including strong customer authentication and secure communication.",
      "site": "https://www.eba.europa.eu",
      "source": {
        "title": "EBA: Payment services and electronic money",
        "url": "https://www.eba.europa.eu/regulation-and-policy/payment-services-and-electronic-money",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "ecb",
      "url": "https://agenticopenfinance.com/directory/#ecb",
      "en": "European Central Bank",
      "short": "ECB",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "eu",
        "payments"
      ],
      "sectors": [
        "retail-banking",
        "treasury"
      ],
      "role": "Central bank of the euro area; supervises significant banks through ECB Banking Supervision and operates TARGET services.",
      "site": "https://www.bankingsupervision.europa.eu",
      "source": {
        "title": "ECB Banking Supervision: Who we are",
        "url": "https://www.bankingsupervision.europa.eu/about/thessm/html/index.en.html",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "fca",
      "url": "https://agenticopenfinance.com/directory/#fca",
      "en": "Financial Conduct Authority",
      "short": "FCA",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "gb",
        "ai",
        "payments",
        "open-banking"
      ],
      "sectors": [
        "retail-banking",
        "wealth",
        "payments-psps"
      ],
      "role": "UK conduct regulator; authorises payment firms and applies existing rules, including the Consumer Duty, to firms' use of AI.",
      "site": "https://www.fca.org.uk",
      "source": {
        "title": "FCA: AI and the FCA: our approach",
        "url": "https://www.fca.org.uk/firms/innovation/ai-approach",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "boe",
      "url": "https://agenticopenfinance.com/directory/#boe",
      "en": "Bank of England",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "gb",
        "ai"
      ],
      "sectors": [
        "treasury",
        "capital-markets"
      ],
      "role": "UK central bank; through the Prudential Regulation Authority it supervises banks, including their model risk management.",
      "site": "https://www.bankofengland.co.uk",
      "source": {
        "title": "Bank of England: Prudential regulation",
        "url": "https://www.bankofengland.co.uk/prudential-regulation",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "psr",
      "url": "https://agenticopenfinance.com/directory/#psr",
      "en": "Payment Systems Regulator",
      "short": "PSR",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "gb",
        "payments"
      ],
      "sectors": [
        "payments-psps"
      ],
      "role": "UK regulator of payment systems; sets the reimbursement requirement for authorised push payment scams.",
      "site": "https://www.psr.org.uk",
      "source": {
        "title": "PSR: APP scams",
        "url": "https://www.psr.org.uk/our-work/app-scams/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "frb",
      "url": "https://agenticopenfinance.com/directory/#frb",
      "en": "Board of Governors of the Federal Reserve System",
      "short": "Federal Reserve",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "us",
        "ai",
        "payments"
      ],
      "sectors": [
        "retail-banking",
        "capital-markets"
      ],
      "role": "US central bank and bank supervisor; with the OCC and FDIC it issued SR 26-2, revised guidance on model risk management.",
      "site": "https://www.federalreserve.gov",
      "source": {
        "title": "Federal Reserve: SR 26-2, Revised Guidance on Model Risk Management",
        "url": "https://www.federalreserve.gov/supervisionreg/srletters/SR2602.htm",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "occ",
      "url": "https://agenticopenfinance.com/directory/#occ",
      "en": "Office of the Comptroller of the Currency",
      "short": "OCC",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "us"
      ],
      "sectors": [
        "retail-banking"
      ],
      "role": "US charterer and supervisor of national banks and federal savings associations.",
      "site": "https://www.occ.gov",
      "source": {
        "title": "OCC: About",
        "url": "https://www.occ.gov/about/index-about.html",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "fdic",
      "url": "https://agenticopenfinance.com/directory/#fdic",
      "en": "Federal Deposit Insurance Corporation",
      "short": "FDIC",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "us"
      ],
      "sectors": [
        "retail-banking"
      ],
      "role": "Independent US agency that insures deposits and supervises and examines financial institutions.",
      "site": "https://www.fdic.gov",
      "source": {
        "title": "FDIC: About",
        "url": "https://www.fdic.gov/about",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "cfpb",
      "url": "https://agenticopenfinance.com/directory/#cfpb",
      "en": "Consumer Financial Protection Bureau",
      "short": "CFPB",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "us",
        "data",
        "payments"
      ],
      "sectors": [
        "retail-banking",
        "lending",
        "payroll"
      ],
      "role": "US consumer finance regulator; administers Regulation E and issued the personal financial data rights rule under Section 1033.",
      "site": "https://www.consumerfinance.gov",
      "source": {
        "title": "CFPB: The CFPB",
        "url": "https://www.consumerfinance.gov/about-us/the-bureau/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "cftc",
      "url": "https://agenticopenfinance.com/directory/#cftc",
      "en": "Commodity Futures Trading Commission",
      "short": "CFTC",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "us",
        "ai"
      ],
      "sectors": [
        "capital-markets"
      ],
      "role": "US derivatives regulator; its Technology Advisory Committee reported on responsible AI in financial markets.",
      "site": "https://www.cftc.gov",
      "source": {
        "title": "CFTC: Technology Advisory Committee report on responsible AI",
        "url": "https://www.cftc.gov/PressRoom/PressReleases/8905-24",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "mas",
      "url": "https://agenticopenfinance.com/directory/#mas",
      "en": "Monetary Authority of Singapore",
      "short": "MAS",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "sg",
        "ai",
        "payments"
      ],
      "sectors": [
        "wealth",
        "digital-assets"
      ],
      "role": "Singapore's central bank and financial regulator; published the FEAT principles for AI and data analytics in finance.",
      "site": "https://www.mas.gov.sg",
      "source": {
        "title": "MAS: FEAT principles",
        "url": "https://www.mas.gov.sg/publications/monographs-or-information-paper/2018/feat",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "hkma",
      "url": "https://agenticopenfinance.com/directory/#hkma",
      "en": "Hong Kong Monetary Authority",
      "short": "HKMA",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "hk",
        "open-banking",
        "payments"
      ],
      "sectors": [
        "retail-banking"
      ],
      "role": "Hong Kong's central banking institution; runs the Open API framework for the banking sector.",
      "site": "https://www.hkma.gov.hk",
      "source": {
        "title": "HKMA: Open API for the banking sector",
        "url": "https://www.hkma.gov.hk/eng/key-functions/international-financial-centre/fintech/open-application-programming-interface-api-for-the-banking-sector/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "bnm",
      "url": "https://agenticopenfinance.com/directory/#bnm",
      "en": "Bank Negara Malaysia",
      "short": "BNM",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "my",
        "payments"
      ],
      "sectors": [],
      "role": "Malaysia's central bank and regulator of banks, insurers and payment system operators.",
      "site": "https://www.bnm.gov.my",
      "source": {
        "title": "Bank Negara Malaysia: home page",
        "url": "https://www.bnm.gov.my/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "cbuae",
      "url": "https://agenticopenfinance.com/directory/#cbuae",
      "en": "Central Bank of the UAE",
      "short": "CBUAE",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "ae",
        "open-banking",
        "payments"
      ],
      "sectors": [
        "payments-psps"
      ],
      "role": "UAE central bank; its Open Finance Regulation sets licensing and consent rules for data sharing and service initiation.",
      "site": "https://www.centralbank.ae",
      "source": {
        "title": "CBUAE Rulebook: Open Finance Regulation",
        "url": "https://rulebook.centralbank.ae/en/rulebook/open-finance-regulation",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "sama",
      "url": "https://agenticopenfinance.com/directory/#sama",
      "en": "Saudi Central Bank",
      "short": "SAMA",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "sa",
        "payments"
      ],
      "sectors": [],
      "role": "Saudi Arabia's central bank and regulator of banks, insurers and payment service providers.",
      "site": "https://www.sama.gov.sa",
      "source": {
        "title": "Saudi Central Bank: home page",
        "url": "https://www.sama.gov.sa/en-US/Pages/default.aspx",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "adgm-fsra",
      "url": "https://agenticopenfinance.com/directory/#adgm-fsra",
      "en": "ADGM Financial Services Regulatory Authority",
      "short": "FSRA",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "ae"
      ],
      "sectors": [],
      "role": "Financial services regulator of Abu Dhabi Global Market.",
      "site": "https://www.adgm.com/financial-services-regulatory-authority",
      "source": {
        "title": "ADGM: Financial Services Regulatory Authority",
        "url": "https://www.adgm.com/financial-services-regulatory-authority",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "dfsa",
      "url": "https://agenticopenfinance.com/directory/#dfsa",
      "en": "Dubai Financial Services Authority",
      "short": "DFSA",
      "category": "regulator",
      "tier": "policy",
      "tags": [
        "ae"
      ],
      "sectors": [],
      "role": "Independent regulator of financial services conducted in or from the Dubai International Financial Centre.",
      "site": "https://www.dfsa.ae",
      "source": {
        "title": "DFSA: home page (Wayback snapshot; the live site blocks scripted clients)",
        "url": "https://web.archive.org/web/20260922150945/https://www.dfsa.ae/",
        "checked": "2026-09-30",
        "snapshot": "2026-09-22",
        "archive": "https://web.archive.org/web/20260922/https://web.archive.org/web/20260922150945/https://www.dfsa.ae/"
      }
    },
    {
      "id": "eu-ai-office",
      "url": "https://agenticopenfinance.com/directory/#eu-ai-office",
      "en": "European AI Office",
      "short": "AI Office",
      "category": "ai-office",
      "tier": "policy",
      "tags": [
        "eu",
        "ai"
      ],
      "sectors": [
        "lending",
        "insurance"
      ],
      "role": "Commission body that supports the application of the AI Act and supervises general-purpose AI models.",
      "parent": "ec",
      "site": "https://digital-strategy.ec.europa.eu/en/policies/ai-office",
      "source": {
        "title": "European Commission: European AI Office",
        "url": "https://digital-strategy.ec.europa.eu/en/policies/ai-office",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "edpb",
      "url": "https://agenticopenfinance.com/directory/#edpb",
      "en": "European Data Protection Board",
      "short": "EDPB",
      "category": "data-protection",
      "tier": "policy",
      "tags": [
        "eu",
        "data"
      ],
      "sectors": [],
      "role": "EU body that ensures consistent application of the GDPR, including rules on consent and automated decisions.",
      "site": "https://www.edpb.europa.eu",
      "source": {
        "title": "EDPB: The European Data Protection Board",
        "url": "https://www.edpb.europa.eu/about-edpb/the-european-data-protection-board_en",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "ico",
      "url": "https://agenticopenfinance.com/directory/#ico",
      "en": "Information Commissioner's Office",
      "short": "ICO",
      "category": "data-protection",
      "tier": "policy",
      "tags": [
        "gb",
        "data"
      ],
      "sectors": [],
      "role": "UK data protection regulator, responsible for how personal data is used, including by AI systems.",
      "site": "https://ico.org.uk",
      "source": {
        "title": "ICO: About the ICO",
        "url": "https://ico.org.uk/about-the-ico/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "bis",
      "url": "https://agenticopenfinance.com/directory/#bis",
      "en": "Bank for International Settlements",
      "short": "BIS",
      "category": "intl-body",
      "tier": "policy",
      "tags": [
        "global",
        "ai",
        "payments"
      ],
      "sectors": [],
      "role": "Supports central banks' pursuit of monetary and financial stability; hosts the CPMI and the BIS Innovation Hub.",
      "site": "https://www.bis.org",
      "source": {
        "title": "BIS Innovation Hub: overview",
        "url": "https://www.bis.org/about/innovation-hub/overview",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "cpmi",
      "url": "https://agenticopenfinance.com/directory/#cpmi",
      "en": "Committee on Payments and Market Infrastructures",
      "short": "CPMI",
      "category": "intl-body",
      "tier": "policy",
      "tags": [
        "global",
        "payments"
      ],
      "sectors": [
        "payments-psps"
      ],
      "role": "Global standard setter for payment, clearing and settlement; co-author of the Principles for Financial Market Infrastructures.",
      "parent": "bis",
      "site": "https://www.bis.org/committees/cpmi/overview",
      "source": {
        "title": "BIS: Committee on Payments and Market Infrastructures",
        "url": "https://www.bis.org/committees/cpmi/overview",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "fsb",
      "url": "https://agenticopenfinance.com/directory/#fsb",
      "en": "Financial Stability Board",
      "short": "FSB",
      "category": "intl-body",
      "tier": "policy",
      "tags": [
        "global",
        "ai"
      ],
      "sectors": [],
      "role": "Coordinates financial regulators internationally; has reported on the financial stability implications of AI.",
      "site": "https://www.fsb.org",
      "source": {
        "title": "FSB: About the FSB",
        "url": "https://www.fsb.org/about/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "iosco",
      "url": "https://agenticopenfinance.com/directory/#iosco",
      "en": "International Organization of Securities Commissions",
      "short": "IOSCO",
      "category": "intl-body",
      "tier": "policy",
      "tags": [
        "global",
        "ai"
      ],
      "sectors": [
        "capital-markets"
      ],
      "role": "Global body of securities regulators; consulted on the use of AI in capital markets and its risks.",
      "site": "https://www.iosco.org",
      "source": {
        "title": "IOSCO: AI in capital markets, consultation report (Wayback snapshot of the PDF)",
        "url": "https://web.archive.org/web/20260301193701/https://www.iosco.org/library/pubdocs/pdf/IOSCOPD788.pdf",
        "checked": "2026-09-30",
        "snapshot": "2026-03-01",
        "archive": "https://web.archive.org/web/20260301/https://web.archive.org/web/20260301193701/https://www.iosco.org/library/pubdocs/pdf/IOSCOPD788.pdf"
      }
    },
    {
      "id": "oecd",
      "url": "https://agenticopenfinance.com/directory/#oecd",
      "en": "Organisation for Economic Co-operation and Development",
      "short": "OECD",
      "category": "intl-body",
      "tier": "policy",
      "tags": [
        "global",
        "ai"
      ],
      "sectors": [],
      "role": "Intergovernmental organisation; several jurisdictions use its definition of an AI system in their laws and guidance.",
      "site": "https://oecd.ai",
      "source": {
        "title": "OECD.AI: AI Principles overview",
        "url": "https://oecd.ai/en/ai-principles",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "ietf",
      "url": "https://agenticopenfinance.com/directory/#ietf",
      "en": "Internet Engineering Task Force",
      "short": "IETF",
      "category": "standards-body",
      "tier": "standards",
      "tags": [
        "global",
        "identity"
      ],
      "sectors": [],
      "role": "Develops internet standards, including OAuth 2.0, rich authorization requests, token exchange, DPoP and HTTP message signatures.",
      "site": "https://www.ietf.org",
      "source": {
        "title": "IETF: Introduction",
        "url": "https://www.ietf.org/about/introduction/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "w3c",
      "url": "https://agenticopenfinance.com/directory/#w3c",
      "en": "World Wide Web Consortium",
      "short": "W3C",
      "category": "standards-body",
      "tier": "standards",
      "tags": [
        "global",
        "identity",
        "payments"
      ],
      "sectors": [],
      "role": "Develops web standards, including Verifiable Credentials, Decentralized Identifiers and Secure Payment Confirmation.",
      "site": "https://www.w3.org",
      "source": {
        "title": "W3C: About us",
        "url": "https://www.w3.org/about/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "nist",
      "url": "https://agenticopenfinance.com/directory/#nist",
      "en": "National Institute of Standards and Technology",
      "short": "NIST",
      "category": "standards-body",
      "tier": "standards",
      "tags": [
        "us",
        "ai",
        "identity"
      ],
      "sectors": [],
      "role": "US standards agency; publishes the AI Risk Management Framework and the SP 800-63 Digital Identity Guidelines.",
      "site": "https://www.nist.gov",
      "source": {
        "title": "NIST: AI Risk Management Framework",
        "url": "https://www.nist.gov/itl/ai-risk-management-framework",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "iso",
      "url": "https://agenticopenfinance.com/directory/#iso",
      "en": "International Organization for Standardization",
      "short": "ISO",
      "category": "standards-body",
      "tier": "standards",
      "tags": [
        "global",
        "ai"
      ],
      "sectors": [],
      "role": "International standards body; publishes ISO/IEC 42001, a management system standard for AI.",
      "site": "https://www.iso.org",
      "source": {
        "title": "ISO/IEC 42001:2023 catalogue page (Wayback snapshot; the live page blocks scripted clients)",
        "url": "https://web.archive.org/web/20260730001017/https://www.iso.org/standard/81230.html",
        "checked": "2026-09-30",
        "snapshot": "2026-07-30",
        "archive": "https://web.archive.org/web/20260730/https://web.archive.org/web/20260730001017/https://www.iso.org/standard/81230.html"
      }
    },
    {
      "id": "emvco",
      "url": "https://agenticopenfinance.com/directory/#emvco",
      "en": "EMVCo",
      "category": "standards-body",
      "tier": "standards",
      "tags": [
        "global",
        "cards"
      ],
      "sectors": [
        "cards",
        "ecommerce"
      ],
      "role": "Develops EMV specifications for card payments, including EMV 3-D Secure for card-not-present authentication.",
      "site": "https://www.emvco.com",
      "source": {
        "title": "EMVCo: Overview of EMVCo (names its six member organisations)",
        "url": "https://www.emvco.com/about-us/overview-of-emvco/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "berlin-group",
      "url": "https://agenticopenfinance.com/directory/#berlin-group",
      "en": "The Berlin Group",
      "category": "standards-body",
      "tier": "standards",
      "tags": [
        "eu",
        "open-banking"
      ],
      "sectors": [
        "payments-psps"
      ],
      "role": "Publishes the NextGenPSD2 API framework used for account access and payment initiation under PSD2.",
      "site": "https://www.berlin-group.org",
      "source": {
        "title": "Berlin Group: NextGenPSD2 downloads",
        "url": "https://www.berlin-group.org/nextgenpsd2-downloads",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "fdx",
      "url": "https://agenticopenfinance.com/directory/#fdx",
      "en": "Financial Data Exchange",
      "short": "FDX",
      "category": "standards-body",
      "tier": "standards",
      "tags": [
        "us",
        "open-banking",
        "data"
      ],
      "sectors": [
        "retail-banking",
        "lending"
      ],
      "role": "Standard setter for US consumer-permissioned data sharing; the CFPB approved its application to issue open banking standards.",
      "site": "https://financialdataexchange.org",
      "source": {
        "title": "CFPB: CFPB Approves Application from Financial Data Exchange to Issue Standards for Open Banking",
        "url": "https://www.consumerfinance.gov/archive/newsroom/cfpb-approves-application-from-financial-data-exchange-to-issue-standards-for-open-banking/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "linux-foundation",
      "url": "https://agenticopenfinance.com/directory/#linux-foundation",
      "en": "The Linux Foundation",
      "category": "project-host",
      "tier": "protocols",
      "tags": [
        "global"
      ],
      "sectors": [],
      "role": "Non-profit that hosts open-source projects and foundations, including the Agentic AI Foundation and the x402 project.",
      "site": "https://www.linuxfoundation.org",
      "source": {
        "title": "The Linux Foundation: About",
        "url": "https://www.linuxfoundation.org/about",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "aaif",
      "url": "https://agenticopenfinance.com/directory/#aaif",
      "en": "Agentic AI Foundation",
      "short": "AAIF",
      "category": "project-host",
      "tier": "protocols",
      "tags": [
        "global",
        "mcp",
        "a2a"
      ],
      "sectors": [],
      "role": "Linux Foundation project that hosts open-source agentic AI projects, including the Model Context Protocol and Agent2Agent.",
      "parent": "linux-foundation",
      "site": "https://aaif.io",
      "source": {
        "title": "Agentic AI Foundation: Projects",
        "url": "https://aaif.io/projects/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "mcp",
      "url": "https://agenticopenfinance.com/directory/#mcp",
      "en": "Model Context Protocol",
      "short": "MCP",
      "category": "protocol-project",
      "tier": "protocols",
      "tags": [
        "global",
        "mcp"
      ],
      "sectors": [
        "digital-assets"
      ],
      "role": "Open protocol for connecting AI applications to tools and data through servers; contributions are made under Apache 2.0.",
      "parent": "aaif",
      "site": "https://modelcontextprotocol.io",
      "source": {
        "title": "Model Context Protocol: Specification (version 2026-07-28)",
        "url": "https://modelcontextprotocol.io/specification/2026-07-28",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "a2a",
      "url": "https://agenticopenfinance.com/directory/#a2a",
      "en": "Agent2Agent Protocol",
      "short": "A2A",
      "category": "protocol-project",
      "tier": "protocols",
      "tags": [
        "global",
        "a2a"
      ],
      "sectors": [
        "travel",
        "procurement"
      ],
      "role": "Open protocol for agents to discover each other through agent cards and exchange tasks and messages.",
      "parent": "aaif",
      "site": "https://a2a-protocol.org",
      "source": {
        "title": "A2A Protocol: Specification",
        "url": "https://a2a-protocol.org/latest/specification/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "ap2",
      "url": "https://agenticopenfinance.com/directory/#ap2",
      "en": "Agent Payments Protocol",
      "short": "AP2",
      "category": "protocol-project",
      "tier": "protocols",
      "tags": [
        "global",
        "ap2",
        "payments"
      ],
      "sectors": [
        "ecommerce",
        "travel"
      ],
      "role": "Open protocol for agent payments using mandates as verifiable digital credentials; available as an extension of A2A.",
      "site": "https://ap2-protocol.org",
      "source": {
        "title": "AP2: Agent Payments Protocol documentation",
        "url": "https://ap2-protocol.org/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "acp",
      "url": "https://agenticopenfinance.com/directory/#acp",
      "en": "Agentic Commerce Protocol",
      "short": "ACP",
      "category": "protocol-project",
      "tier": "protocols",
      "tags": [
        "global",
        "acp",
        "payments"
      ],
      "sectors": [
        "ecommerce"
      ],
      "role": "Open specification under Apache 2.0 for checkout between AI agents, businesses and payment processors.",
      "site": "https://www.agenticcommerce.dev",
      "source": {
        "title": "Agentic Commerce Protocol",
        "url": "https://www.agenticcommerce.dev/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "x402",
      "url": "https://agenticopenfinance.com/directory/#x402",
      "en": "x402",
      "category": "protocol-project",
      "tier": "protocols",
      "tags": [
        "global",
        "x402",
        "payments"
      ],
      "sectors": [
        "digital-assets"
      ],
      "role": "Open standard for payments inside HTTP exchanges using the 402 Payment Required status; a series of LF Projects.",
      "parent": "linux-foundation",
      "site": "https://x402.org",
      "source": {
        "title": "x402: home page",
        "url": "https://x402.org/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "web-bot-auth",
      "url": "https://agenticopenfinance.com/directory/#web-bot-auth",
      "en": "IETF Web Bot Auth working group",
      "short": "webbotauth",
      "category": "protocol-project",
      "tier": "protocols",
      "tags": [
        "global",
        "identity"
      ],
      "sectors": [
        "ecommerce"
      ],
      "role": "IETF working group on cryptographic authentication of automated clients, such as agents, to websites.",
      "parent": "ietf",
      "site": "https://datatracker.ietf.org/wg/webbotauth/about/",
      "source": {
        "title": "IETF Datatracker: Web Bot Auth (webbotauth) working group",
        "url": "https://datatracker.ietf.org/wg/webbotauth/about/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "trusted-agent-protocol",
      "url": "https://agenticopenfinance.com/directory/#trusted-agent-protocol",
      "en": "Trusted Agent Protocol",
      "category": "protocol-project",
      "tier": "protocols",
      "tags": [
        "global",
        "card-agent-programme",
        "identity"
      ],
      "sectors": [
        "cards",
        "ecommerce"
      ],
      "role": "Specification published by Visa that signals to merchants that an agent is a trusted agent acting in agentic commerce.",
      "parent": "visa",
      "site": "https://developer.visa.com/capabilities/trusted-agent-protocol",
      "source": {
        "title": "Visa Developer: Trusted Agent Protocol",
        "url": "https://developer.visa.com/capabilities/trusted-agent-protocol",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "openid",
      "url": "https://agenticopenfinance.com/directory/#openid",
      "en": "OpenID Foundation",
      "short": "OIDF",
      "category": "identity-body",
      "tier": "identity",
      "tags": [
        "global",
        "identity",
        "open-banking"
      ],
      "sectors": [
        "retail-banking",
        "payments-psps"
      ],
      "role": "Develops OpenID Connect, FAPI, CIBA and the OpenID for Verifiable Credentials specifications, and runs certification.",
      "site": "https://openid.net",
      "source": {
        "title": "OpenID Foundation: Foundation",
        "url": "https://openid.net/foundation/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "fido",
      "url": "https://agenticopenfinance.com/directory/#fido",
      "en": "FIDO Alliance",
      "category": "identity-body",
      "tier": "identity",
      "tags": [
        "global",
        "identity"
      ],
      "sectors": [],
      "role": "Develops standards for passwordless authentication, including passkeys.",
      "site": "https://fidoalliance.org",
      "source": {
        "title": "FIDO Alliance: Overview",
        "url": "https://fidoalliance.org/overview/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "dif",
      "url": "https://agenticopenfinance.com/directory/#dif",
      "en": "Decentralized Identity Foundation",
      "short": "DIF",
      "category": "identity-body",
      "tier": "identity",
      "tags": [
        "global",
        "identity"
      ],
      "sectors": [],
      "role": "Develops decentralised identity specifications; runs working groups including one on trusted AI agents.",
      "site": "https://identity.foundation",
      "source": {
        "title": "Decentralized Identity Foundation: home page",
        "url": "https://identity.foundation/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "w3c-vc-wg",
      "url": "https://agenticopenfinance.com/directory/#w3c-vc-wg",
      "en": "W3C Verifiable Credentials Working Group",
      "category": "identity-body",
      "tier": "identity",
      "tags": [
        "global",
        "identity"
      ],
      "sectors": [],
      "role": "Maintains the Verifiable Credentials Data Model, the format several agent mandate designs build on.",
      "parent": "w3c",
      "site": "https://www.w3.org/groups/wg/vc/",
      "source": {
        "title": "W3C: Verifiable Credentials Working Group",
        "url": "https://www.w3.org/groups/wg/vc/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "gleif",
      "url": "https://agenticopenfinance.com/directory/#gleif",
      "en": "Global Legal Entity Identifier Foundation",
      "short": "GLEIF",
      "category": "identity-body",
      "tier": "identity",
      "tags": [
        "global",
        "identity"
      ],
      "sectors": [
        "procurement",
        "treasury"
      ],
      "role": "Operates the Global LEI System and the verifiable LEI (vLEI) for organisational identity.",
      "site": "https://www.gleif.org",
      "source": {
        "title": "GLEIF: This is GLEIF",
        "url": "https://www.gleif.org/en/about/this-is-gleif",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "eudi-wallet",
      "url": "https://agenticopenfinance.com/directory/#eudi-wallet",
      "en": "EU Digital Identity Wallet",
      "category": "identity-body",
      "tier": "identity",
      "tags": [
        "eu",
        "identity"
      ],
      "sectors": [],
      "role": "European Commission programme for digital identity wallets and electronic attestations under the European Digital Identity Regulation.",
      "parent": "ec",
      "site": "https://digital-strategy.ec.europa.eu/en/policies/eudi-regulation",
      "source": {
        "title": "European Commission: European Digital Identity (EUDI) Regulation",
        "url": "https://digital-strategy.ec.europa.eu/en/policies/eudi-regulation",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "uk-dvs-framework",
      "url": "https://agenticopenfinance.com/directory/#uk-dvs-framework",
      "en": "UK digital verification services trust framework",
      "category": "identity-body",
      "tier": "identity",
      "tags": [
        "gb",
        "identity"
      ],
      "sectors": [],
      "role": "UK government framework of rules for organisations that provide digital identity and attribute checks.",
      "site": "https://www.gov.uk/government/collections/uk-digital-verification-services-trust-framework",
      "source": {
        "title": "GOV.UK: UK digital verification services trust framework",
        "url": "https://www.gov.uk/government/collections/uk-digital-verification-services-trust-framework",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "visa",
      "url": "https://agenticopenfinance.com/directory/#visa",
      "en": "Visa",
      "category": "card-network",
      "tier": "rails",
      "tags": [
        "global",
        "cards",
        "card-agent-programme"
      ],
      "sectors": [
        "cards",
        "ecommerce"
      ],
      "role": "Card network; one of the six member organisations of EMVCo; publishes specifications for agent-initiated card payments.",
      "site": "https://www.visa.com",
      "source": {
        "title": "EMVCo: Overview of EMVCo (names its six member organisations)",
        "url": "https://www.emvco.com/about-us/overview-of-emvco/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "mastercard",
      "url": "https://agenticopenfinance.com/directory/#mastercard",
      "en": "Mastercard",
      "category": "card-network",
      "tier": "rails",
      "tags": [
        "global",
        "cards",
        "card-agent-programme"
      ],
      "sectors": [
        "cards",
        "ecommerce"
      ],
      "role": "Card network; one of the six member organisations of EMVCo; publishes an agent payments programme.",
      "site": "https://www.mastercard.com",
      "source": {
        "title": "EMVCo: Overview of EMVCo (names its six member organisations)",
        "url": "https://www.emvco.com/about-us/overview-of-emvco/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "american-express",
      "url": "https://agenticopenfinance.com/directory/#american-express",
      "en": "American Express",
      "category": "card-network",
      "tier": "rails",
      "tags": [
        "global",
        "cards"
      ],
      "sectors": [],
      "role": "Card network; one of the six member organisations of EMVCo.",
      "site": "https://www.americanexpress.com",
      "source": {
        "title": "EMVCo: Overview of EMVCo (names its six member organisations)",
        "url": "https://www.emvco.com/about-us/overview-of-emvco/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "discover",
      "url": "https://agenticopenfinance.com/directory/#discover",
      "en": "Discover",
      "category": "card-network",
      "tier": "rails",
      "tags": [
        "global",
        "cards"
      ],
      "sectors": [],
      "role": "Card network; one of the six member organisations of EMVCo.",
      "site": "https://www.discover.com",
      "source": {
        "title": "EMVCo: Overview of EMVCo (names its six member organisations)",
        "url": "https://www.emvco.com/about-us/overview-of-emvco/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "jcb",
      "url": "https://agenticopenfinance.com/directory/#jcb",
      "en": "JCB",
      "category": "card-network",
      "tier": "rails",
      "tags": [
        "global",
        "cards"
      ],
      "sectors": [],
      "role": "Card network; one of the six member organisations of EMVCo.",
      "site": "https://www.global.jcb/en/",
      "source": {
        "title": "EMVCo: Overview of EMVCo (names its six member organisations)",
        "url": "https://www.emvco.com/about-us/overview-of-emvco/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "unionpay",
      "url": "https://agenticopenfinance.com/directory/#unionpay",
      "en": "UnionPay",
      "category": "card-network",
      "tier": "rails",
      "tags": [
        "global",
        "cards"
      ],
      "sectors": [],
      "role": "Card network; one of the six member organisations of EMVCo.",
      "site": "https://www.unionpayintl.com/en/",
      "source": {
        "title": "EMVCo: Overview of EMVCo (names its six member organisations)",
        "url": "https://www.emvco.com/about-us/overview-of-emvco/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "t2",
      "url": "https://agenticopenfinance.com/directory/#t2",
      "en": "T2",
      "category": "payment-system",
      "tier": "rails",
      "tags": [
        "eu",
        "payments"
      ],
      "sectors": [
        "treasury"
      ],
      "role": "Eurosystem real-time gross settlement system for euro payments; its closing days set euro-area settlement dates.",
      "parent": "ecb",
      "site": "https://www.ecb.europa.eu/paym/target/t2/html/index.en.html",
      "source": {
        "title": "ECB: What is T2?",
        "url": "https://www.ecb.europa.eu/paym/target/t2/html/index.en.html",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "tips",
      "url": "https://agenticopenfinance.com/directory/#tips",
      "en": "TARGET Instant Payment Settlement",
      "short": "TIPS",
      "category": "payment-system",
      "tier": "rails",
      "tags": [
        "eu",
        "payments",
        "instant"
      ],
      "sectors": [
        "payments-psps"
      ],
      "role": "Eurosystem service that settles instant payments in central bank money, around the clock.",
      "parent": "ecb",
      "site": "https://www.ecb.europa.eu/paym/target/tips/html/index.en.html",
      "source": {
        "title": "ECB: What is TIPS?",
        "url": "https://www.ecb.europa.eu/paym/target/tips/html/index.en.html",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "fednow",
      "url": "https://agenticopenfinance.com/directory/#fednow",
      "en": "FedNow Service",
      "category": "payment-system",
      "tier": "rails",
      "tags": [
        "us",
        "payments",
        "instant"
      ],
      "sectors": [
        "payments-psps",
        "payroll"
      ],
      "role": "Instant payment service offered through Federal Reserve Financial Services.",
      "parent": "frb",
      "site": "https://www.frbservices.org/financial-services/fednow-service/",
      "source": {
        "title": "Federal Reserve Financial Services: FedNow Service",
        "url": "https://www.frbservices.org/financial-services/fednow-service/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "nacha",
      "url": "https://agenticopenfinance.com/directory/#nacha",
      "en": "Nacha",
      "category": "payment-system",
      "tier": "rails",
      "tags": [
        "us",
        "payments"
      ],
      "sectors": [
        "payroll",
        "subscriptions"
      ],
      "role": "Governs the rules of the US ACH network used for direct deposits and debits.",
      "site": "https://www.nacha.org",
      "source": {
        "title": "Nacha: home page",
        "url": "https://www.nacha.org/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "hk-fps",
      "url": "https://agenticopenfinance.com/directory/#hk-fps",
      "en": "Faster Payment System (Hong Kong)",
      "short": "FPS",
      "category": "payment-system",
      "tier": "rails",
      "tags": [
        "hk",
        "payments",
        "instant"
      ],
      "sectors": [],
      "role": "Hong Kong's instant payment system, launched by the HKMA; banks and e-wallet operators can participate.",
      "parent": "hkma",
      "site": "https://www.hkma.gov.hk/eng/key-functions/international-financial-centre/financial-market-infrastructure/faster-payment-system-fps/",
      "source": {
        "title": "HKMA: Faster Payment System (FPS)",
        "url": "https://www.hkma.gov.hk/eng/key-functions/international-financial-centre/financial-market-infrastructure/faster-payment-system-fps/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "obl",
      "url": "https://agenticopenfinance.com/directory/#obl",
      "en": "Open Banking Limited",
      "category": "open-banking-infra",
      "tier": "rails",
      "tags": [
        "gb",
        "open-banking"
      ],
      "sectors": [
        "retail-banking",
        "subscriptions"
      ],
      "role": "Maintains the UK Open Banking Standard, including the read/write API and variable recurring payments specifications.",
      "site": "https://www.openbanking.org.uk",
      "source": {
        "title": "Open Banking Standards: API specifications",
        "url": "https://standards.openbanking.org.uk/api-specifications/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "fca-sandbox",
      "url": "https://agenticopenfinance.com/directory/#fca-sandbox",
      "en": "FCA Regulatory Sandbox",
      "category": "sandbox",
      "tier": "sandboxes",
      "tags": [
        "gb"
      ],
      "sectors": [],
      "role": "Lets firms test products with real consumers under FCA oversight.",
      "parent": "fca",
      "site": "https://www.fca.org.uk/firms/innovation/regulatory-sandbox",
      "source": {
        "title": "FCA: Regulatory Sandbox",
        "url": "https://www.fca.org.uk/firms/innovation/regulatory-sandbox",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "mas-sandbox",
      "url": "https://agenticopenfinance.com/directory/#mas-sandbox",
      "en": "MAS FinTech Regulatory Sandbox",
      "category": "sandbox",
      "tier": "sandboxes",
      "tags": [
        "sg"
      ],
      "sectors": [],
      "role": "Lets firms experiment with financial services in a defined space and time under MAS oversight.",
      "parent": "mas",
      "site": "https://www.mas.gov.sg/development/fintech/regulatory-sandbox",
      "source": {
        "title": "MAS: Overview of Regulatory Sandbox",
        "url": "https://www.mas.gov.sg/development/fintech/regulatory-sandbox",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "hkma-fss",
      "url": "https://agenticopenfinance.com/directory/#hkma-fss",
      "en": "HKMA Fintech Supervisory Sandbox",
      "short": "FSS",
      "category": "sandbox",
      "tier": "sandboxes",
      "tags": [
        "hk"
      ],
      "sectors": [],
      "role": "Lets banks and their partners run pilot trials of fintech initiatives with a limited number of customers.",
      "parent": "hkma",
      "site": "https://www.hkma.gov.hk/eng/key-functions/international-financial-centre/fintech/fintech-supervisory-sandbox-fss/",
      "source": {
        "title": "HKMA: Fintech Supervisory Sandbox (FSS)",
        "url": "https://www.hkma.gov.hk/eng/key-functions/international-financial-centre/fintech/fintech-supervisory-sandbox-fss/",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "bnm-sandbox",
      "url": "https://agenticopenfinance.com/directory/#bnm-sandbox",
      "en": "BNM Regulatory Sandbox",
      "category": "sandbox",
      "tier": "sandboxes",
      "tags": [
        "my"
      ],
      "sectors": [],
      "role": "Bank Negara Malaysia's framework for testing innovative financial solutions in a live environment.",
      "parent": "bnm",
      "site": "https://www.bnm.gov.my/sandbox",
      "source": {
        "title": "Bank Negara Malaysia: Regulatory Sandbox",
        "url": "https://www.bnm.gov.my/sandbox",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "sama-sandbox",
      "url": "https://agenticopenfinance.com/directory/#sama-sandbox",
      "en": "SAMA Regulatory Sandbox",
      "category": "sandbox",
      "tier": "sandboxes",
      "tags": [
        "sa"
      ],
      "sectors": [],
      "role": "Saudi Central Bank framework that takes firms from application through operational readiness and testing to exit.",
      "parent": "sama",
      "site": "https://rulebook.sama.gov.sa/en/regulatory-sandbox-framework",
      "source": {
        "title": "SAMA Rulebook: Regulatory Sandbox Framework",
        "url": "https://rulebook.sama.gov.sa/en/regulatory-sandbox-framework",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "fca-ai-lab",
      "url": "https://agenticopenfinance.com/directory/#fca-ai-lab",
      "en": "FCA AI Lab",
      "category": "innovation-hub",
      "tier": "sandboxes",
      "tags": [
        "gb",
        "ai"
      ],
      "sectors": [],
      "role": "FCA programme for AI in financial services, including the Supercharged Sandbox and AI Live Testing.",
      "parent": "fca",
      "site": "https://www.fca.org.uk/firms/innovation/ai-lab",
      "source": {
        "title": "FCA: AI Lab",
        "url": "https://www.fca.org.uk/firms/innovation/ai-lab",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "project-orchid",
      "url": "https://agenticopenfinance.com/directory/#project-orchid",
      "en": "Project Orchid",
      "category": "innovation-hub",
      "tier": "sandboxes",
      "tags": [
        "sg",
        "tokenisation",
        "payments"
      ],
      "sectors": [
        "digital-assets",
        "public-sector"
      ],
      "role": "MAS project exploring purpose-bound money: payments whose conditions of use are set in the money itself.",
      "parent": "mas",
      "site": "https://www.mas.gov.sg/schemes-and-initiatives/project-orchid",
      "source": {
        "title": "MAS: Project Orchid",
        "url": "https://www.mas.gov.sg/schemes-and-initiatives/project-orchid",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "bis-innovation-hub",
      "url": "https://agenticopenfinance.com/directory/#bis-innovation-hub",
      "en": "BIS Innovation Hub",
      "category": "innovation-hub",
      "tier": "sandboxes",
      "tags": [
        "global",
        "ai",
        "tokenisation"
      ],
      "sectors": [],
      "role": "The BIS's hub for technology projects run with central banks.",
      "parent": "bis",
      "site": "https://www.bis.org/about/innovation-hub/overview",
      "source": {
        "title": "BIS Innovation Hub: overview",
        "url": "https://www.bis.org/about/innovation-hub/overview",
        "checked": "2026-09-30"
      }
    },
    {
      "id": "digital-euro",
      "url": "https://agenticopenfinance.com/directory/#digital-euro",
      "en": "Digital euro project",
      "category": "innovation-hub",
      "tier": "sandboxes",
      "tags": [
        "eu",
        "payments"
      ],
      "sectors": [
        "digital-assets"
      ],
      "role": "Eurosystem work on a possible digital form of central bank money for the euro area.",
      "parent": "ecb",
      "site": "https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html",
      "source": {
        "title": "ECB: Digital euro",
        "url": "https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html",
        "checked": "2026-09-30"
      }
    }
  ]
}