Cognivern is a spend-governance control plane for AI agent wallets. Every spend is policy-checked before signing—approved, held, or denied based on budget, vendor, chain, and risk—with FHE-encrypted on-chain budgets keeping limits private. A Gemini 3.1 agent runtime follows a PLAN → EVIDENCE → PREVIEW → CONFIRM → EXECUTE → AUDIT workflow with human approval before spending. Deployed on Arbitrum Sepolia and Robinhood Chain Testnet with Hyperlane cross-chain execution and audit evidence anchored to Filecoin and 0G.
AI agents are beginning to spend real money autonomously—paying for API credits, executing trades, procuring services, and interacting with DeFi protocols. Yet teams have almost no visibility or control over that spending. Today, most simply hand an agent a wallet key and hope for the best. Budgets exist as plaintext configuration, there is no enforceable approval workflow, and no regulator or auditor would accept the resulting audit trail. When something goes wrong, teams typically discover it only after funds have already been spent.
Cognivern is a spend-governance control plane for AI agent wallets. Every spending request passes through an on-chain policy evaluation layer before any transaction can be signed. Policies can deny, hold, or approve requests based on budget, vendor, blockchain, and risk. The core innovation is confidential policy enforcement: budgets and spend counters are encrypted on-chain using Fully Homomorphic Encryption (FHE) with Fhenix/CoFHE on Arbitrum Sepolia, meaning spending limits remain private even from anyone with direct RPC access. Every approval, denial, and execution becomes a verifiable on-chain event rather than a backend assertion.
The platform includes a Gemini 3.1-powered agent runtime that follows a deterministic governance workflow:
PLAN → EVIDENCE → PREVIEW → CONFIRM → EXECUTE → AUDIT
Before any real funds move, the agent gathers supporting evidence—including vendor reputation (MongoDB MCP), smart contract audit signals (ChainGPT and 0G Compute), and applicable policy constraints—then presents a complete preview for human approval. Every completed action is anchored to both Filecoin and 0G, creating a tamper-resistant, non-repudiable compliance trail.
The system is deployed across multiple networks, including Arbitrum Sepolia (FHE ConfidentialSpendPolicy, GovernanceContract, GovernedVault) and Robinhood Chain Testnet (GovernanceContract and GovernedVault), with cross-chain execution coordinated through Hyperlane.
Current implementation:
5 Solidity smart contracts
852 Git commits
196 TypeScript files
31+ Vitest test suites
21 live API integration tests