Set your spending rules once, in plain words. Every everyday payment is checked against them and an explainable AI risk score before it goes through, whether you pay with your phone, a card, a tag, your glasses or an agent.
A card payment carries a fixed fee on top of a percentage. On a coffee, that fixed part is most of the cost.
Illustration: card cost shown as €0.10 fixed + 1.4%, a common small-merchant rate in Europe; real rates vary by provider. Seren Pay's target is 1% with no fixed fee.
The counter shows a QR or an NFC tag with the amount.
Phone, card, tag, glasses or your agent. Only you choose.
"Lunch on workdays up to €15" either covers it or asks you once.
Five signals, one score, every weight visible.
The business sees a guaranteed payment, never your private data.
The same rules and the same check apply to all of them, so changing how you pay never changes what you allowed.
Five signals, each with a visible weight, add up to one risk score. Below 0.30 the payment passes on its own; between 0.30 and 0.70 it passes and is reviewed; above 0.70 it waits for a check. Every decision is logged to train a better model.
Cafés, restaurants, hotels and laundries take payments on the phone they already own. Each payment arrives verified, and the customer's personal data stays private.
Wallet, rules, risk engine, Seren Agent and the business console run end to end in demo mode. No real money moves yet.
A first group of local businesses and customers, with real payments in a controlled setting.
The same engine for any everyday payment, built in Estonia for the European market.
Join the waitlist as a customer, or ask about the free pilot for your business.
samadinima97@gmail.comOpen email