Stop Making Your Customers Click Approve - Emil Chetty, Wise

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Emil Chetty, who leads data and AI product at Wise, argues that AI assistants have turned customers into an approval queue. Wise moved $243 billion across borders last year for nearly 19 million customers under more than 80 licenses, so every payment needs proof of what the customer actually authorized. His answer: the customer agrees to the whole job once, as a locked agreement; the agent chooses the steps; and Wise's existing payment software enforces the terms, so even an agent tricked by a prompt injection can't pay a new recipient. Chapters: 0:00 Intro 0:58 About Wise 3:00 Regulators still expect answers 3:36 A typical agent job 4:05 Approving every step 5:06 What coding agents learned 5:35 Safe action vs. authorized payment 6:42 From intent to a locked agreement 8:15 A worked example 10:27 Granting only what was approved 11:32 Retries and changed quotes 12:35 How it's built 13:25 When the agent gets tricked 14:18 What Wise can answer for Emil Chetty https://wise.com Join us in SF for the second annual AIE CODE summit: https://aie.codes our last flagship summit of 2026. Applications live now!