AI agent opens FCA-regulated merchant account and checkout link in 16 seconds

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UniPaaS CTO Oded Kovach demonstrated on July 15, 2026 that an AI agent could open a sandbox merchant account on its FCA-authorised payment platform and generate a payable checkout link using just five JSON-RPC calls in under 17 seconds. The session required no human approval, no review queue, and no async steps between the initial prompt and the live checkout URL. Risk is managed through a processing cap rather than a waiting period, with production accounts limited to £1,500 until identity verification is complete. The public endpoint is accessible for independent testing, and the full session log with raw JSON is available at paas.build/demo. UniPaaS operates as a payment facilitator — not a Merchant of Record — meaning merchants retain responsibility for VAT and sales tax obligations.

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