To be honest, whenever I hear the phrase "AI manages money on its own," my first reaction is always caution, not excitement.

Money is too real. It’s not like code or parameters. It relates to rent, bills, family’s sense of security, and also whether the company can survive. So when you hear "AI agents can autonomously transfer and pay," that nervous feeling in your heart is actually quite understandable—I think the same way.

But then I realized an unavoidable truth: we’ve already handed over many "action rights" to AI. It helps us plan, make decisions, negotiate terms, calculate optimal solutions, and cut costs. The only step still firmly held by humans is "paying." This isn’t because technology can’t do it, but purely because we’re afraid.

But this creates a bottleneck problem. If AI is forever stuck at the payment step and can’t move forward, the true automation process will never be complete; someone will always have to manually finish it.

Kite appears at this awkward point. It’s not noisy, not radical, but very serious. The goal isn’t "making AI cooler," but controlling human risk when AI is working.

Today’s financial system, to put it simply, is designed for humans—people log in, confirm, hesitate, make mistakes slowly. AI operates at a completely different pace. It doesn’t rest, hesitate, or be affected by emotions. Once tasks are assigned, it rushes forward relentlessly and can collaborate with other agents at high speed. If you just throw money at it without safety barriers, think about how risky that would be.

That’s why enabling AI to complete payments within a safety framework is even more difficult than a simple technological breakthrough.