# Mattia Ciuni | Founder & CEO at Noesia, AI agent payments

> Founder & CEO of Noesia, the money layer for AI agents. Scoped permissions, deterministic authorization and a verifiable receipt for every payment.

- URL: https://mattiaciuni.com
- Type: Home

## Cards
- [Thoughts index](thoughts.md)
  - [Why AI agents keep stopping at checkout | Mattia Ciuni](thoughts/why-ai-agents-keep-stopping-at-checkout.md) - AI agents research, compare and decide, then they hand you a cart. The checkout step is where delegation breaks, and it is not a payments problem.
  - [Why AI agents need permission systems | Mattia Ciuni](thoughts/why-ai-agents-need-permission-systems.md) - AI agent permissions are not a settings screen. The three ways people handle agent spending today, why each one fails, and what has to exist instead.
  - [Welcoming Raj Koli, Founding Engineer (Agent Experience): the interview | Mattia Ciuni](thoughts/welcoming-raj-koli-founding-engineer-agent-experience.md) - Raj Koli, 21, from India, is Noesia's Founding Engineer on the Agent Experience: the interview on agent evaluation, typed errors, and the pending state most demos skip.
  - [Welcoming Alex Mwaniki, Founding Engineer (Core): the interview | Mattia Ciuni](thoughts/welcoming-alex-mwaniki-founding-engineer-core.md) - Alex Mwaniki, 21, from Kenya, is Noesia's Founding Engineer on the core: the interview on least privilege, Go, and why no LLM touches the money.
  - [Finding Ghassen: the co-founder question, answered in three weeks | Mattia Ciuni](thoughts/finding-ghassen-the-co-founder-question-answered-in-three-weeks.md) - How a stranger challenged Noesia's weakest assumption, became its co-founder and CTO, and turned three weeks of evidence into a partnership.
  - [Artifact-based hiring: ship code before titles | Mattia Ciuni](thoughts/artifact-based-hiring.md) - Everyone who joins Noesia shipped working code before we ever talked about roles. How artifact-first recruiting filters for builders.
  - [The money layer for AI agents | Mattia Ciuni](thoughts/money-layer-for-ai-agents.md) - AI agents can research, compare and execute, then they stop at the payment step. Why controlled spending power is the missing infrastructure of the agentic economy.
- [Notes index](notes.md)
  - [About the name | Mattia Ciuni](notes/about-the-name.md) - How Noesia stopped feeling like a rough draft and became the name of the company we are building.
  - [Honestly? I'm excited. | Mattia Ciuni](notes/honestly-im-excited.md) - Why every hard question about Noesia has made me believe more in the problem, the solution and the timing.
  - [The moment my AI agent asked for my credit card | Mattia Ciuni](notes/the-moment-my-ai-agent-asked-for-my-credit-card.md) - The scene that started Noesia: an AI agent did 90% of the work, then stopped at a credit card form. On the wall between acting and paying.
  - [The wall in my code: what a security audit taught me that no bootcamp will | Mattia Ciuni](notes/what-a-security-audit-taught-me.md) - I paid strangers to attack my payments engine. The race conditions, the ledger that lied to itself, and the deletion that would have erased every customer.
  - [What interviews teach me about people (and my own company) | Mattia Ciuni](notes/what-interviews-teach-me-about-people-and-my-own-company.md) - What written technical work reveals that a conversation can hide, and why every interview has become an audit of my own company.
  - [Why AI agents need idempotent payments | Mattia Ciuni](notes/idempotent-payments-for-ai-agents.md) - An agent that does not retry loses money, but retries are exactly what breaks naive payment flows. Why the idempotency key is the memory of an agent's intentions.
  - [The agentic economy is a trust problem, not a technology problem | Mattia Ciuni](notes/the-agentic-economy-is-a-trust-problem.md) - Agents can already research, compare and execute. The hard part is deciding what they may do with money, and proving what they did. A case for wallets with rules.
  - [On boring systems | Mattia Ciuni](notes/on-boring-systems.md) - The most advanced thing you can build around an AI is often a system that is boring on purpose. A note on determinism, monotonicity and the craft of unremarkable software.
- [Feedback index](feedback.md)
  - [A stranger redesigned my pitch in one comment | Mattia Ciuni](feedback/a-stranger-redesigned-my-pitch-in-one-comment.md) - I posted Noesia's architecture publicly. An engineer I'd never met corrected my language, found real gaps, and made the product sharper. This is the full exchange.