The Infrastructure Layer for Autonomous AI Agents

Give your AI agents real-world financial capabilities. Safely.

Bring your own card. Your agent picks the best route to pay with it — and when a merchant won't take it, falls back to gift cards. Zero pre-funded wallets required.

connect codex · claude · grok · cursor → your bank

View documentation
agentbank · runtime tracelive
01agent_99 › tool_call pay_merchant { max_usd: 25.00 }
02

the gap

Built for autonomous loops, not human popups.

consumer payment tools

  • Pauses the loop waiting on a human tap-to-approve
  • Pre-funded wallets that idle capital between runs
  • Checkout flows built for browsers, not background workers
  • Receipts with no link to the prompt that caused them

agent bank

  • Fully programmatic: every action is a tool call
  • Real-time JIT authorization decisions in ~200ms
  • Policy engine evaluates before funds ever move
  • Prompt-correlated telemetry on every authorization

execution model

From prompt to payment in milliseconds.

How autonomous workers seamlessly interact with your treasury infrastructure without breaking loop execution.

01

Tool-first integration (MCP server)

Agents natively discover and call financial tools straight out of the box using standard MCP or SDK imports in Cursor, LangChain, or custom loops.

issue_card()check_budget()pay_link()
02

Zero human bottlenecks

Built for background workers, data scrapers, and multi-hour cloud operations. No pinging a phone to approve a $12 API fee — the agent operates inside strict, developer-defined daily budgets and policy guardrails.

daily_cap()mcc_lock()auto_pause()
03

Settle, trace, replenish

Every authorization is written back with its prompt trace, then operating liquidity is topped up in the background so the next run never blocks.

trace_id()ach_debit()acss_pad()
Live sandbox

Watch an agent spend money.

This chat is a real AI agent wired to the Agent Banks sandbox over MCP. Ask it to buy something and it calls the same tools your agents would — no real money moves, no real bank is debited.

Agent Banksbanks@agent-bank:~$ sandbox

No prompts yet

Ask the agent to check its spending capacity or make a purchase.

Sandbox only — test cards and simulated settlement. No real funds move.

core architecture

Your card. Our routing. No custody.

Every merchant that adds agentic payments makes the Agent Banks network reach further.

byoc

01Bring your own card

Connect the card you already use and wrap it in policy guardrails. Prefer not to? Provision one through a partner issuer instead.

routing

02Best-route payment selection

The agent checks the merchant at runtime and pays directly with your card whenever that route is accepted.

tillo

03Gift card fallback

If the merchant takes gift cards but not agentic card payments, we issue one instantly through Tillo so the run never stalls.

Sandbox · No real money moves

Connect your agent now.

Copy one prompt into your MCP-compatible agent to connect to the Agent-Banks sandbox.

connection prompt
Read https://www.agent-banks.com/mcp.md and help me connect to the Agent-Banks sandbox MCP server. If you can configure MCP connections in this environment, add the server using those instructions. Otherwise, give me the exact manual setup steps for my client. Discover the available tools and call get_spending_capacity to verify connectivity. Do not issue a card or authorize a purchase during setup.

Requires an agent client with remote MCP support. Some clients require you to add the connection manually.

This is a shared development sandbox that depends on our backend, MCP server, and tunnel staying online. If it's unreachable your agent will see a real connection error — we never fake a successful response.

capabilities

What Agent Banks does today.

Real features, live in the sandbox and the Windows alpha.

Bring your own card

Use the card you already have, or get one through a partner issuer. Card numbers are stored as network tokens — never raw.

byocpartner_card

Best-route payments

Your agent checks how a merchant accepts payment and pays directly with your card when it can.

route.evaluate

Gift card fallback via Tillo

When a merchant won't take the card but accepts gift cards, a Tillo gift card is issued for the exact amount.

tillo.giftcard

MCP tools for any agent

Connect Codex, Claude, Grok, Cursor or any MCP-compatible agent. Check spending capacity, authorize purchases and track transaction status.

get_spending_capacityauthorize_purchaseget_transaction_status

Windows runner + device pairing

Run the local runner on your PC and pair it to your account in one click. Revoke any device from your dashboard at any time.

pairrevoke

Confirm before you spend

Agents confirm the exact amount and purpose before a purchase. Auto mode only runs when you explicitly turn it on.

confirmauto_mode

pricing

Pricing is being finalized.

We're working with early users to set fair pricing. Request access and we'll share details as you onboard.

Sandbox

Open now

Try it free — no real money moves

  • Shared public sandbox
  • Full MCP tool access
  • Simulated purchases and settlement
  • No account or keys needed
Try the sandbox

Early access

By request

For individuals and teams running real agents

  • Agent Banks account and dashboard
  • Windows runner with device pairing
  • Bring your own card or a partner card
  • Tillo gift card fallback
  • Direct support from the founding team

Teams & platforms

Let's talk

For companies running agent fleets

  • Multiple agents and devices
  • Custom spending policies
  • Security documentation on request
  • Integration help