Aton launches 'digital power of attorney' that caps AI transfers at 100,000 won

Aton, a Korean financial-technology company, has launched a 'digital power of attorney' product aimed at financial institutions, according to a Money Today report published on November 11. The headline states the central constraint bluntly: AI is allowed to transfer only up to 100,000 won.

The product addresses a question that appears as soon as AI assistants start handling money on a customer's behalf: how does an institution verify what an agent is authorised to do, and how far it may go? A 100,000-won transfer ceiling turns that abstract question into a concrete, checkable limit.

Paper powers of attorney and counter verification have traditionally carried this role, but they are slow and awkward to fit into automated flows. A digital authorisation record moves the delegation online, giving a bank or broker a machine-readable basis for checking whether an AI-initiated action sits inside the scope the customer granted, rather than leaning entirely on manual counter checks.

Writing an amount limit into the authorisation is a pragmatic way to let agentic AI touch real money: cap the exposure first, then widen it as behaviour proves reliable. Compared with handing an agent full account access, a bounded mandate is far easier to defend to compliance teams and to explain to customers.

It should be noted that public reporting so far discloses only the amount ceiling. Aton's partner institutions, a rollout timetable, and how customers would grant or revoke authorisation have not been made public, which suggests the product is still early and its practical reach is unclear.

For the industry, the signal matters more than the product itself: before AI agents can genuinely act for people, the plumbing of authorisation, limits and liability has to exist. Whoever turns that credential layer into something financial institutions will actually integrate holds the entry point for agents in financial services.