Give your AI agents real-world financial capabilities. Safely.
Non-custodial, policy-driven middleware connecting LLM frameworks to real bank accounts via Plaid and Lithic. Zero pre-funded wallets required.
connect codex · claude · grok · gemini → your bank
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.
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.
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.
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.
core architecture
Three moving parts. No custody.
Funds stay in your bank account until an agent authorization clears policy.
01One-click bank auth
Instant OAuth linking for US & Canadian checking accounts with live balance validation before a single card is issued.
02Instant JIT card generation
Single-use virtual cards created on-the-fly, backed by real-time authorization webhooks in roughly 200 milliseconds.
03Automated rebalancing
Background debits via Stripe ACH (US) and ACSS PADs (Canada) to replenish operating liquidity between agent runs.
developer experience
Mount it in one import.
Same policy engine behind every surface — SDK, REST, or MCP.
import { AgentTreasury } from '@agent-bank/sdk';
const client = new AgentTreasury({ apiKey: process.env.AGENT_BANK_KEY });
const card = await client.issuing.createVirtualCard({
agentId: 'agent_99',
maxBudgetUSD: 25.00,
promptTraceId: 'task_abc123',
mccLock: ['5734'],
});
// -> { last4: '4417', state: 'OPEN', expires_in: 900 }capabilities
Treasury primitives for agent fleets.
Prompt-correlated telemetry
Trace every dollar spent directly back to the exact LLM prompt execution step — agent, run, tool call, and token cost on the same ledger row.
Cross-border North America
Native support for USD via ACH and CAD via Rule H1 PADs, with per-currency policy ceilings.
Granular guardrails
Hard daily caps, merchant category code locks, and auto-pause triggers — evaluated server-side on every authorization request.
daily_cap_usd
200.00
mcc_allowlist
5734, 7372
auto_pause_on
3 declines
pricing
Priced per platform, not per prompt.
Sandbox
$0
test keys, simulated rails
- Unlimited test cards
- Full MCP tool surface
- Community support
Scale
$99
per month + interchange rebate
- Live JIT issuing
- ACH + PAD rebalancing
- Prompt-trace exports
- Slack support
Enterprise
Custom
dedicated policy cluster
- Private BIN range
- SOC 2 evidence pack
- 99.99% authorization SLA