A standards-native micropayment rail built on mobile-operator billing. Enable pay-per-use for content, services, API calls, and AI-agent actions — even at sub-euro values.
Fixed fees make tiny purchases uneconomical. Subscriptions ask for too much commitment, advertising erodes the experience, and hard paywalls turn casual users away. Valuable low-cost content and services are therefore left unmonetized.
Jalda uses a relationship that already exists.
The mobile operator already provides identity, trust, billing, and settlement. Jalda connects that infrastructure to content and service providers through one integration.
Jalda enables content and service providers to charge for individual pieces of content, API calls, AI-agent actions, gaming events, media access, and other usage-based services — even at sub-euro values.
Four actors. One API. Existing rails.
One tap to access content or service, without entering card details or creating accounts.
Transaction routed through operator-billing infrastructure using standards-based network APIs.
Content or service access unlocked in real time through Jalda's API and SDKs.
Operator invoices consumer while Jalda handles payout orchestration to providers.
Built specifically for very small, high-volume transactions where traditional card fees would consume the entire margin.
Users pay via existing mobile-operator account. No checkout wall, no new passwords, no payment details to enter.
CAMARA compliance makes the model portable across operators globally, enabling scale through standardized operator billing infrastructure.
Built on GSMA CAMARA for operator network APIs and FIDO Alliance AP2 for agentic payments. Settlement-protocol agnostic by design.
CAMARA standardizes operator network APIs, making it easier for developers to access mobile-network capabilities consistently across operators. Jalda's operator layer uses CAMARA-compatible charging APIs and contributes to the evolution of micropayment charging models.
The Agent Payments Protocol (AP2), now governed by the FIDO Alliance, is designed for agentic payment flows. Originally launched by Google in 2025 and donated to FIDO in May 2026, AP2 v0.2 added "Human Not Present" payments. Jalda is AP2-native today, settlement-protocol agnostic by design.
Together, CAMARA and AP2 give Jalda a standards-based foundation for both human-initiated digital payments and future agent-to-agent commerce.
Enable pricing models that were previously impossible to support economically.
Monetize individual content pieces without requiring full subscriptions.
Charge for video streams, live events, or premium media access.
Unlock specific app features or premium functionality on demand.
Enable economical API monetization for low-cost, high-volume usage.
Charge for AI agent tasks, automated services, and agentic commerce.
Offer low-commitment subscription tiers that reduce friction.
Offer flexible access alongside existing subscription models.
Convert visitors who won't commit to full subscriptions.
Create new revenue streams without degrading user experience.
Support both consumer-facing and automated transaction flows.
A transaction-based model aligns content providers, mobile operators, and Jalda—without fixed per-payment costs undermining sub-euro economics.
Add pay-per-use beside subscriptions and turn previously unserved visits, content, and API usage into revenue.
Extend trusted billing and identity into digital services while retaining the billing relationship and settlement role.
Aggregate transactions, reconciliation, and provider access across operators through shared infrastructure.
The operator retains consumer billing and settlement. Jalda is the technical aggregation layer and does not hold consumer funds or operate payment accounts.
The team combines the original SafeTrader micropayment vision with deep telecom, software, standards, and payment-product experience—including leadership behind Swish and work across Bankgirot, Nordea, Ericsson, and European payment standards.
Meet the team →AI agents will need to buy data, access APIs, pay for content, trigger services, and settle usage-based transactions on behalf of users. Many of these transactions will be too small for traditional payment rails.
Jalda is designed for this world: low-value, high-volume, automated transactions where identity, consent, spending controls, settlement, and attribution all matter.
By combining mobile-operator billing with standards-native AP2 and CAMARA architecture, Jalda supports both today's content micropayments and tomorrow's agentic commerce flows.
We are preparing Swedish market pilots with mobile operators and content providers. Choose your role—or start a conversation with the Jalda team.