The next wave of software runs itself. But the moment your AI agent tries to pay for an API, cloud resource, or SaaS seat, it hits a hard wall: traditional finance wasn’t built for autonomous systems.

Why agents need wallets

Ability to hold value, send/receive funds
Deterministic, API-driven behavior
Transparent audit trails for every transaction
Programmatic permissions, limits, and revocation

A wallet gives your agent an identity and balance. On top of that identity, you can issue spending instruments.

Why virtual cards (per agent, per workflow)

Per-merchant and per-category controls prevent misuse
Spend caps, velocity limits, and time windows reduce risk
One card per workflow keeps blast radius small and reconciliation easy
Instant revoke/rotate if an integration is compromised

The safety model: policy-first, real-time

Spending must be authorized by policy before it leaves the wallet. That includes:

Allowed merchants/categories
Max transaction amount and monthly cap
Approved time windows and geos
Additional human approvals for high-risk transactions

Autonomous doesn’t mean ungoverned

Every charge should emit rich events: who/what/why/when, linked back to the agent and workflow that initiated it. That’s what enables automated reviews, alerts, and chargeback responses.

What you can ship today

Create a wallet per agent
Issue virtual cards per workflow
Enforce policy at authorization time
Stream webhooks for real-time audit and analytics

If you’re building autonomous purchasing, start by giving your agent a wallet and its own card. It’s the simplest way to unlock safe, traceable commerce for AI.

Talk to us to enable programmatic wallets and virtual cards for your agents.