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A001 · New primitive · Apr 2026
Identities live SOC 2 · AES-256-GCM MCP ready

A bank account for every agent you deploy.

Every AI agent you deploy needs to send money, receive money, hold a card, sign for itself. AgentWallet provisions a complete financial identity — inbox, phone, collection accounts, payout rails, virtual card, API key, MCP endpoint — in one call.

Provision an identity Read the API
8
step wizard · or 1 API call
40+
jurisdictions · collection
12
payout rails · ACH → USDC
1
API key per agent · rotatable
∞
fleet — not one service account
agentwallet · provisioning
inbox@agent.wallet
mcpscoped · AES-256
railsACH · SWIFT · USDC
card•••• 4821 · $2.5k
geoUS · GB · AE
Agent Passport · preview Live
AGENTWALLET · IDENTITY
iss payouts.com
agt_01HZX4F2QK
agent-1@agent.wallet
principal
[email protected]
purpose
SALES · SDR
A1
Issued in 1 POST
source_type = agent_identity
Three things · nothing more

What every agent gets.

One email. One API key. One MCP endpoint. Every outbound call is signed, every inbound message captured, every transfer tagged source_type = agent_identity in your ledger.

01 / INBOX

One email address.

Every identity gets a real mailbox at {slug}@agent.wallet. Read inbound via the Inbox API. Send outbound signed by the agent's own key — no third-party SMTP needed.

3
02 / KEY

One API key.

Scoped, rotatable, one-time-reveal. Every outbound tool call, transfer, card charge is signed by the agent itself — never a shared service account shared across a hundred LLM prompts.

API KEY · shown once
sk_live_7fa4c21e••••••••
scope: agent:agt_01HZX4F2QKAES-256-GCM
03 / MCP

One MCP endpoint.

A scoped MCP server is provisioned per identity. Your agent calls mcp://agent/{slug} for wallet, card, inbox, ledger — with its limits and policy enforced server-side.

AI MCP /agent wallet.transfer.create policy enforced
Provisioning · 8 steps

One identity. Eight components.

Give each agent an identifier, an inbox, a phone, collection accounts, payout rails, a virtual card, limits, and a policy — in one wizard, or one POST.

STEP 01 / 08 · BASICS

Name. Purpose. Principal.

Pick a slug (becomes the email + MCP route). Choose a purpose preset — SDR, Support, Procurement, Finance, Ops. Assign a human principal who's accountable.

slug
agent-1
purpose
SALES · SDR
principal
[email protected]
STEP 02 / 08 · EMAIL

Auto-provisioned inbox.

Real mailbox. Inbound via Inbox API, outbound signed by the agent's key. No third-party SMTP.

✉
[email protected]
SPF · DKIM · DMARC · VMC
Live
STEP 03 / 08 · PHONE

Dedicated SMS & voice number. Q3

Per-agent phone provisioning — dedicated numbers for SMS and two-way voice. Skip for now, enable when it ships.

📞
+1 (415) XXX · XXXX
ROLLING OUT · ELEVENLABS VOICE
STEP 04 / 08 · COLLECTION ACCOUNTS

Where the agent receives money.

Spin up a Global Account in 40+ jurisdictions. Each exposes its own capabilities. One click per country.

US · USD
ACH · WIRE · RTP · instant–1d
GB · GBP
FPS · BACS · CHAPS · instant
AE · AED
IPI · RTGS · SWIFT · 0–3d
STEP 05 / 08 · PAYOUT RAILS

How the agent sends money.

Toggle each rail. Rails expose the routings they can be triggered through — Transfer, API, Payout Link, AP Automation, Agent ID.

ACH · US
API TRANSFER AGENT ID
SWIFT · Global
API AGENT ID
Visa Direct
API AGENT ID
USDC / USDT
API AGENT ID
STEP 06 / 08 · VIRTUAL CARD

Issue a card for online spend.

Optional virtual Visa, configurable spend limit. PAN tokenized via VGS — your infrastructure never touches card data.

AGENTWALLET · VISADEBIT
•••• •••• •••• 4821
CARDHOLDER
AGENT-1
MONTHLY LIMIT
$2,500
EXP
03/29
STEP 07 / 08 · LIMITS & POLICY

Spend caps. Geo allowlist.

Per-transaction, per-day, per-month caps. ISO country allowlist. Enforced by the agent-auth middleware server-side — so a prompt injection can't drain the float.

per-txn
$5k
daily
$25k
monthly
$500k
geo
US·GB·AE
STEP 08 / 08 · REVIEW

Generate credentials.

On create we mint an API key (shown once), an MCP endpoint, an inbox, a virtual card, and register the agent with id:agent-1 · iss:payouts.com.

✓ READY TO SIGN
Create Identity & Generate Credentials
Provision
Built for · six industries

One primitive. Every industry that delegates money.

Whenever a company hands a repeated, money-touching action to an agent — that agent needs a real financial identity. Not a shared service account.

01 · CREATOR ECONOMYAI TALENT

Synthetic influencerspaid like real talent

Agencies build AI personas with their own face, handle, following. Brands contract with the persona directly — the handle is the IP. She pays her own GPU time, voice license, stylist model.

BRANDcampaign deal · ACH
pays
AGENT@aurora.ai
routes
RENDERGPU · card
LICENSEvoice · ACH
Why identityThe 1099 lists her legal entity; the agency takes a split like any talent manager.
02 · AD TECHPUBLISHER NETS

Ad-inventory agentsthat settle locally

A network represents 2,000 sites in 40 countries. Each top site runs an agent negotiating rates, booking campaigns, settling to publishers on local rails.

ADVERTSWIFT in · USD
routes
AGENTsite-aurora@
settles
US PUBACH
EU PUBSEPA · Wise
LATAMUSDC · Pix
Why identityCountry-scoped limits, the right collection account, source-tagging so the ledger shows which site earned what.
03 · MARKETPLACESSELLERS

Storefront agentsthat own working capital

A marketplace gives every high-volume seller an agent that manages inventory financing, supplier payments, ad spend, scheduled payouts.

MARKETescrow out
funds
AGENTseller-0042@
spends
SUPPLYUSDT · CN
FULFILLACH · US
ADScard · Meta/TikTok
Why identityVirtual card for ads, accounts in USD/CNY/EUR, strict per-supplier caps so prompt injection can't drain the float.
04 · GAMINGSTUDIOS

In-game economy agentsthat run 24/7

Live-ops agents reward top players, pay tournament winners, buy user-generated assets — at scale, across every region.

STUDIOweekly fund
funds
AGENTliveops-S9@
pays
PRIZESgift · link
ASSETSPayPal
TOP-UPSwallet
Why identityCountry allowlist blocks sanctioned regions. Daily caps mean one bug can't drain the prize pool.
05 · ENTERPRISE FINANCEPROCUREMENT

Department buyer agentswith real budgets

One agent per department — marketing buys ads, ops buys SaaS, facilities pays vendors. Receipts match invoices automatically.

FINANCEmonthly budget
allocates
AGENTmktg-ops@
spends
SAAScard
CONTRACTACH
VENDORSwire
Why identityDepartment-level attribution without a shared card. Principal accountability if marketing's agent goes off-prompt.
06 · GLOBAL WORKFORCEPAYROLL

Pod payroll agentsacross 60 countries

A staffing platform manages 10,000 contractors. Each pod (LATAM eng, PH support, EU designers) has its own agent for onboarding, timesheets, tax forms, payroll.

PLATFORMmonthly fund
funds
AGENTpod-latam@
pays locally
BRPix
INUPI
EUSEPA
Why identityEach pod-agent holds USD collection, 12 local rails, its own compliance state. An API key can't carry that.
Developer API · MCP

Everything the wizard does, the API does.

One POST to /v1/agents mints an inbox, a card, a collection account, an MCP endpoint, and an API key. Every transfer is ledgered as source_type = agent_identity.

POSTCreate an identity
One call mints inbox + card + account + API key + MCP endpoint.
POSTSend money (agent-signed)
Every transfer carries the agent's signature, principal, and policy check.
MCPTool invocation
Your agent calls its own MCP endpoint; policy enforced server-side.
GETRead the inbox
Inbound mail captured. Agent can reply signed from its own address.
api.agentwallet.com · v1

Agents don't need another permission grant.
They need their own passport.

An email a human can reply to. A card a merchant can charge. An account a vendor can wire into. A key that rotates when that one agent gets compromised — without taking down the fleet.

Why dedicated identity

Because "share the service account" doesn't scale past one agent.

01 · ACCOUNTABILITY

Per-agent attribution.

Every payout, email, and tool call is tagged with the identity. If an agent misbehaves, you know which one, when, why — and you revoke without taking down the fleet.

tr_01HZX7 · agent_identity
tr_01HZX8 · agent_identity
tr_01HZX9 · human_user
tr_01HZXA · agent_identity
// one line. fleet-wide.
02 · ADDRESSABILITY

A real participant in commerce.

Your agent has an email a human can reply to, a card a merchant can charge, a bank account a vendor can wire into. It's not a webhook — it's a counterparty.

human AGENT agent-1@ vendor
03 · HYGIENE

Credentials that rotate alone.

One-time-reveal API key, scoped MCP endpoint, AES-256-GCM at rest. No shared service accounts leaking into a hundred LLM prompts.

key rotation
sk_live_7fa4 sk_live_c21e sk_live_9af2 ✓
rotate without taking down fleet
Get started · free during preview

Give your agents
a passport.

One API call. One inbox. One card. One MCP endpoint. One rotatable key. For every agent you deploy.

Provision an identity See the 8-step flow
No credit card · powered by Payouts.com · SOC 2

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