An AI agent shops Klarna's open Agentic Product Protocol and settles the merchant payout on Tempo testnet — order id in the memo, explorer as proof.
Honesty ledger:REAL · Tempo settlementREAL · Claude reasoningAPP catalog · live when token presentSIMULATED · credit & underwritingSIMULATED · consumer app & fiat legdemoUSD stands in for KlarnaUSD
SIMULATED what the shopper would see
9:415G ▮▮▮▯
🛍️
Shopping Assistant
concept app · simulated consumer leg
Pick a brief above — the agent does the rest.
Settlement rails REAL · TESTNET
Order created
The agent prices a basket and runs the credit decision.
Consumer leg SIMULATED
The shopper's fiat payment (and the consumer app on the left) are stand-ins — no real consumer money moves in this demo.
Merchant payout REAL · TEMPO TESTNET
A real demoUSD transfer on Tempo testnet, order id in the memo, explorer link as proof.
Payout economics at scale ILLUSTRATIVE
Correspondent banking
$250,000
per month at 2.5% · settles in 2–4 daysYOUR ASSUMPTION
This rail
$37.50
per month at $0.00045/transfer · settles in under a secondMEASURED ON THIS DEMO
Difference
$2,999,550
a year across ~83,333 transfers a month — plus the working capital freed by not waiting days for funds to land
The per-transfer fee is real: it is the upper end of what this demo actually paid on Tempo testnet, and you can check any of it on the explorer. The correspondent-banking rate is your input, not a Klarna number — move the slider to whatever your own cross-border cost is. Fiat conversion and off-ramp are not modelled here.
Agent transcript REAL · CLAUDE
The full tool-use trace appears here — searches, offers, credit decision, settlement.