The real competitor: building it yourself.

KIFF makes authority a first-class object outside the agent.

Independently owned	By the business, not by the code that uses it.
Changeable without a redeploy	Raised, narrowed or revoked while the agent runs.
Stateful and consumable	One balance, drawn down by every authorization.
Versioned and auditable	Every change attributed; every decision on a signed receipt.

Payment-focused agent spend controls bound money leaving a wallet. KIFF bounds any business action, checked against live state.