konkin.io — Self-Custodial Crypto Wallet for AI Agents

Human-in-the-Loop

Your messenger as a second factor

Every time an AI agent oversteps its boundaries, Konkin.io pauses and sends an approval request to your chosen messenger (Telegram, Discord, etc.). The agent waits.
You decide. No approval = no funds move.

1 AI agent requests a wallet action via MCP
2 Konkin.io queues the request & sends you a message
3 You tap Approve or Deny from anywhere
4 the agent has no direct access to your crypto!

Mobile messenger showing an AI transaction approval request with Approve and Deny buttons

Auth Configuration

Example: Fixed cap, 1-of-N

Auto-deny if the amount is higher than BTC 0.05
Ask via Telegram for approval
Assume disapproval if Telegram response takes longer than 3 minutes
User can also use the web ui or the rest api to approve

Complex Example: 24h budget, 2-of-N, veto

Auto-deny if cumulative expenses are above 10 XMR within 24h
Auto-approve if amount is lower than 0.2 XMR
If we are in-between, 2-of-N auth channels need to approve
Two Telegram users and one additional ai agents can approve/deny
The Telegram users have veto-right, meaning transaction is immediately denied if one of them disapproves
The additional ai agent has a separate mcp connection. His tools are limited to reading the transaction queue and giving his thumb-up or thumbs-down according to his validation criteria.

You can use multiple AI agents as auth channels and form a democratic council of advisors that watches your driver agent, thus removing the human in-the-loop (not recommended).

[telegram]
enabled          = true
secret-file      = "./secrets/telegram.secret"
api-base-url     = "https://api.telegram.org"
auto-deny-timeout = "3m"

[coins.bitcoin.auth]
web-ui   = true
rest-api = false
telegram = true

[[coins.bitcoin.auth.auto-deny]]
[coins.bitcoin.auth.auto-deny.criteria]
type  = "value-gt"
value = 0.05

[coins.monero]
enabled = true

[coins.monero.auth]
web-ui              = false
rest-api            = true
telegram            = true
min-approvals-required = 2
veto-channels       = ["telegram"]
mcp-auth-channels   = ["agent-arthur", "agent-merlin"]

[[coins.monero.auth.auto-accept]]
[coins.monero.auth.auto-accept.criteria]
type  = "value-lt"
value = 0.2

[[coins.monero.auth.auto-deny]]
[coins.monero.auth.auto-deny.criteria]
type   = "cumulated-value-gt"
value  = 10
period = "24h"