# CovaltPay

CovaltPay

CovaltPay is a trust-first payment orchestration platform for coordinated payments between multiple parties.

It enables rule-based, milestone-driven payment flows where trust is enforced by structure — not relationships.

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Status

CovaltPay is under active development.

Core payment orchestration concepts are live. Internal intelligence agents (Sonar and Guard Dog) are operational and available independently.

Early access, demos, or agent licensing: → https://covaltpay.gumroad.com/l/kpvcd

Why CovaltPay exists

Most group payments assume trust. CovaltPay is designed for scenarios where:

• Parties may not know each other
• Funds are material
• Failure or non-delivery is costly
• Accountability matters

Instead of “send and hope”, CovaltPay introduces enforceable rules.

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Core concepts

• Pacts – structured agreements defining roles, rules, and conditions
• Milestones – objective checkpoints that gate payment release
• Escrow logic – funds are controlled by rules, not individuals
• Verification layers – human, automated, or agent-assisted

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Intelligence & risk layer

CovaltPay is supported by internal intelligence agents:

• Sonar – detects emerging risk, regulation, and opportunity signals
• Guard Dog – flags fraud patterns, delivery risk, and rule breaches

These agents operate independently and can be deployed without CovaltPay.

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Status

This repository documents architecture, concepts, and integration patterns. Core components are under active development.

For early access, demos, or agent licensing: → https://covaltpay.gumroad.com/l/kpvcd