$12.5B+
in consumer-reported U.S. fraud losses in 2024. Online shopping issues were the second-most reported fraud category.
FTC, 2024 dataAgents can spend.Horkos holds themto their word.
An AI guard that enforces your spending rules, holds payments until work is proven, and gives more freedom to sellers who earn trust.
Impact starts here.
As AI agents take on more buying decisions, people need control over what gets paid and confidence that the work was delivered. Horkos brings clear rules and proof of work into the payment flow.
1 in 3
online shoppers across the U.S., Australia and New Zealand expect to use AI shopping assistants regularly.
Visa, 2025 consumer research- 1
You write the oath.
In plain English: how much, for what, and when to ask you first. Horkos turns it into rules.
- 2
The Guard checks every payment.
Fixed rules come first and no AI can override them. Risky payments are blocked. Unsure ones come to you.
- 3
Money waits until the work is proven.
Tests run on what the seller delivers. Pass, and they are paid. Fail, and you are refunded.
- 4
Trust is earned.
New sellers start with small limits. Clean deliveries raise them. A failure tightens them at once.