V·Pay is a three-factor voice authorization solution that enables users to approve a specific payment with one verified, transaction-bound phrase. While passkeys confirm account access and voice assistants interpret commands, V·Pay verifies who is speaking, which registered device is being used, and whether the phrase matches the exact merchant, amount, and one-time nonce. Its Voice AI combines speaker verification, anti-spoofing, phrase validation, device trust, and transaction risk signals into one authorization decision. Delivered through SDKs and APIs, V·Pay integrates with existing wallets, payment gateways, merchant apps, and AI agents without dedicated authentication hardware. It is built for smart glasses, in-car payments, drive-throughs, wearables, kiosks, and other environments where screens or manual input are impractical. Our vision is to make voice a trusted payment interface where no single signal alone can authorize the movement of money.