Use case
Our bank details have changed.
The email that costs a company $123,000 on average. It arrives on a Friday afternoon, from a supplier you have worked with for years. Same signature, same tone, same invoice layout. Only the account number is different.
The FBI logged 24,768 of these in 2025, for $3,046,598,558 in reported losses — second only to investment fraud. And most companies never report it.
The defence everyone knows is to call the supplier back. Everyone knows it. Almost nobody does it on a Friday at 4 p.m.
What Seal changes
Three seconds instead of a phone call
Your supplier attaches a verification link to the message. Your accounts payable clerk opens it — free, no account, no software — and sees the company checked against its official business registry, with a phone number anchored to its official listing, and a code that changes every minute and cannot be reused.
If the instruction changes money — a new bank account, an unusual amount — it does not proceed until the people your supplier named confirm it, each from their own protected space. The verdict is sealed and stays verifiable long afterwards.
What it does not do
What a seal cannot do
A missing seal is not proof of fraud. A fraudster simply will not attach one. This works where the seal is expected — inside an established relationship, or because you require it of your suppliers. The red seal accuses; green does not clear.
And nothing here stops a supplier’s own email account from being broken into. What it stops is the payment leaving before a human at that supplier has confirmed it.
A missing seal is not proof of fraud.
Limits matter
Seal gives the receiver a way to check, and the sender a way to be checked. It does not replace judgment, and it does not make a missing seal mean fraud.
For invoice recipients
Require it, and you stop paying for the discipline
Checking is free, unlimited, and needs no account — for you and for everyone, forever. If you tell your suppliers that payment instructions must carry a verifiable seal, the burden moves off your clerk’s shoulders and onto a three-second check.
This is a use-case page, not a separate product. It brings together Seal Message, Seal Standard and Seal Authorization in one workflow for supplier payment changes.
What is coming
And soon it will not even be a person writing
AI agents are starting to place orders and send instructions on behalf of companies. In February 2026, NIST wrote that identifying external agents from untrusted sources would not be addressed in its current work. The question — is this really their agent, and how far is it allowed to commit them — has no answer yet.
It runs on exactly the same rails as the page above.