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

A wallet for every agent you deploy.

AgentWallet gives every AI agent a full financial identity — a fiat wallet in 40+ countries, a crypto wallet, a payout catalog across 91 currencies & 208 countries, a virtual card, an inbox, a phone, and WhatsApp. Plug in your agent — Claude, GPT, Gemini, Cursor, or your own — with one API key and one MCP endpoint. Every agent runs under a verified principal with signature rights you control.

Provision a wallet Read the API
208
countries · payout coverage
91
currencies · fiat + crypto
9
payout methods · from one balance
1
API key + MCP · per agent
∞
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
The product · three layers

What's in the wallet — and how you connect it.

Two clusters of capabilities the agent gets — money & communication — plus two primitives to plug in any agent framework. Every transfer tagged source_type = agent_identity.

LAYER A · MONEY

The fintech product.

  • Fiat walletCollection accounts in 40+ countries — USD/ACH, GBP/FPS, EUR/SEPA, BRL/PIX, INR/UPI, AED/IPI & more.
  • Crypto walletNative addresses for USDC, USDT, and major chains. Fund and withdraw on-chain.
  • Payout catalog9 methods · 91 currencies · 208 countries — from one balance. See the full catalog below.
  • Virtual cardVisa, policy-bound spend. PAN tokenized via VGS. Per-txn, daily, monthly caps.
LAYER A · COMMUNICATION

How the agent shows up in the world.

  • InboxReal mailbox at {slug}@agent.wallet. Agent-signed outbound. Inbox API for inbound.
  • Phone Q3Dedicated SMS & voice number. Two-way messaging and voice via ElevenLabs.
  • WhatsAppBusiness-verified sender, two-way messaging. The agent reaches customers where they are.
LAYER B · INTEGRATION

How you plug in any agent.

  • API keyScoped, rotatable, one-time-reveal. Every call signed by the agent itself.
  • MCP endpointScoped per identity at mcp://agent/{slug}. Policy enforced server-side.
Works with
ClaudeGPTGeminiCursorCustom

Anchor Your agent, any agent — plug it into AgentWallet with one API key and one MCP endpoint.

Layer C · Who's accountable

Every agent has a principal.

The principal is the human who owns the agent and is accountable for it. They upload an ID, verify their profile, and grant signature rights — the exact list of actions the agent is authorized to perform on their behalf.

SM
PRINCIPAL · verified
Sara Mendes
Head of Growth · Acme Inc
KYC ✓
ID DOCUMENT · passport
P<USAMENDES<<SARA<<<<<<<<<<<<<<<<<<<
C31004195USA8704152F<<<<<<<<<<<<<<08
SIGNATURE RIGHTS · granted to agt_01HZX4F2QK
  • ✓Sign contracts up to $25,000
  • ✓Approve payouts up to $10,000 / txn · $100k / mo
  • ✓Agree to ToS for category SaaS · Marketing
  • ✓Purchase from vendors in US · CA · UK · EU
  • —Hire contractors · not granted
TWO MODES OF ACTION
AAgent acts as itself

Registers, transacts, and signs under its own identity. The agent's profile, the agent's email, the agent's card.

sig: agt_01HZX4F2QK · iss payouts.com
BAgent acts on behalf of principal

Signs and approves as the principal, within the signature rights granted. Cryptographic chain back to a verified human.

sig: on_behalf_of [email protected] · within rights

Every agent has a principal. The principal grants signature rights. The agent acts within them — as itself, or on the principal's behalf.

The catalog · Layer A continued

Pay anyone, anywhere, the way they want to be paid.

9 payout methods. 91 currencies. 208 countries. One balance. Inherited from 7 years of Payouts.com banking relationships — a competitor can launch an MCP server in a weekend; they can't launch this.

208
countries
91
currencies
9
payout methods
1
balance
Method
Description
Currencies
Countries
Domestic transfer
Local clearing rails — ACH, SEPA, FPS, PIX, UPI
91
208
International wire
SWIFT & cross-border rails
91
208
Push to card
Visa Direct / Mastercard Send
6
38
Prepaid card
Load funds onto a prepaid card
15
30
Reloadable card
Load funds onto a reloadable card
1
1
Gift card
Global brand catalog
15
30
PayPal
Send to PayPal accounts
24
153
Venmo
Send to Venmo accounts
1
1
Crypto
USDC, USDT, major chains
—
—
The moat

Built on Payouts.com.

AgentWallet is the agent-facing expression of Payouts.com's infrastructure. A weekend project can wrap an LLM in an MCP server. It can't replicate 7 years of banking relationships, 91 currencies, and 208 countries.

PILLAR 01 · RAILS

The rails that move the money.

91 currencies. 208 countries. 9 payout methods. Domestic clearing, international wire, push-to-card, prepaid, gift, PayPal, Venmo, crypto. From one balance, one API.

PILLAR 02 · COMPLIANCE

The compliance that makes it legal.

SOC 2. AES-256-GCM at rest. Banking relationships and licensing history across jurisdictions. KYB/KYC inherited. Audit-ready ledger tagged source_type = agent_identity.

PILLAR 03 · AP / AR

The AP/AR capabilities behind the scenes.

Invoice processing, vendor management, scheduled payouts, reconciliation. Enterprises that need it inherit it from Payouts.com. Agents plug into the same rails your finance team already uses.

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 + PRINCIPAL

Name. Purpose. Principal profile.

Pick a slug (becomes the email + MCP route). Choose a purpose preset. Set up the principal — the human accountable for the agent — upload their ID, and configure signature rights. Functionally a power of attorney.

slug
agent-1
purpose
SALES · SDR
principal
[email protected]
ID
ID upload \u00b7 verified
passport_sara_mendes.pdf
mode
as itself on behalf of principal
Signature rights \u00b7 what the agent can do on Sara's behalf
  • \u2713Sign contracts up to $25,000
  • \u2713Approve payouts up to $10,000 / txn \u00b7 $100k / mo
  • \u2713Agree to ToS for category SaaS \u00b7 Marketing
  • \u2713Purchase from vendors in US \u00b7 CA \u00b7 UK \u00b7 EU
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

The catalog in the wild.

When a company delegates a money-touching action to an agent, the catalog shows up. Every wallet runs under a verified principal — attribution is built in.

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.

principal Maya Kellerman · Founder · Prism Talent
BRANDcampaign · push-to-card
pays
AGENT@aurora.ai
routes
RENDERcard · GPU
VOICEPayPal
GIFTSgift card
MethodsPush-to-card · PayPal · Venmo · gift card — right where talent already gets paid.
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.

principal Devon Park · VP Revenue · Meridian Ads
ADVERTint'l wire · USD
routes
AGENTsite-aurora@
settles
US PUBACH
EU PUBSEPA
LATAMUSDC
MethodsDomestic transfer (ACH, SEPA) · international wire · crypto — one balance settles everywhere.
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.

principal Wei Zhou · Head of Seller Ops · Bazaar
MARKETescrow out
funds
AGENTseller-0042@
spends
SUPPLYUSDT · CN
FULFILLACH · US
ADScard · Meta
MethodsDomestic transfer · crypto (USDT) · card for ads — policy caps keep a bad prompt contained.
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.

principal Renzo Castillo · Live Ops Lead · Starforge Studios
STUDIOweekly fund
funds
AGENTliveops-S9@
pays
PRIZESgift card
ASSETSPayPal
CREATORScrypto
MethodsGift card · prepaid card · PayPal · crypto — meet players on whatever rail they already use.
05 · ENTERPRISE FINANCEPROCUREMENT

Department buyer agentswith real budgets

One agent per department — marketing buys ads, ops buys SaaS, facilities pays vendors. Invoices match receipts automatically via Payouts.com AP.

principal Priya Raman · Controller · Northwind Labs
FINANCEmonthly budget
allocates
AGENTmktg-ops@
spends
SAAScard
CONTRACTACH
VENDORSint'l wire
MethodsCard · domestic transfer · international wire + full AP automation inherited from Payouts.com.
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.

principal Aisha N'Diaye · Global Payroll · Atlas Remote
PLATFORMmonthly fund
funds
AGENTpod-latam@
pays locally
BRPIX
INUPI
EUSEPA
MethodsDomestic transfer (PIX, UPI, SEPA) · reloadable card · PayPal · crypto — pay each pod the local way.
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 wallet.

One API call provisions a fiat wallet, a crypto wallet, a card, an inbox, a phone, WhatsApp, and a payout catalog across 91 currencies and 208 countries. Your agent plugs in with one API key and one MCP endpoint — works with Claude, GPT, Gemini, Cursor, or any custom agent. Every agent runs under a verified principal with signature rights you control.

Provision a wallet See the 8-step flow
No credit card · built on Payouts.com · SOC 2

Tweaks