AI Agent Bank Accounts
AI agent bank accounts are about funding control, not checkout access. They give you a clean money layer for autonomous workflows and pair well with cards for execution.
Primary Job
Segment capital by agent/workflow so budgets and treasury operations stay auditable and enforceable.
Common Pattern
Use account buckets for funding, then issue controlled cards for final merchant checkout.
Finance Outcome
Faster month-end close, cleaner expense attribution, and simpler variance analysis by workflow.
Security Outcome
Account-level isolation plus card-level controls reduce blast radius and make emergency freeze paths straightforward.
Bank-Account-to-Card Flow
1) Fund account layer
Top up dedicated funding buckets for each operating workflow.
2) Attach spending instruments
Map virtual cards to those buckets with limit and merchant controls.
3) Run approvals
Gate higher-risk intents with a human approval loop.
4) Export evidence
Push intent-to-transaction trails to finance systems for audit and reconciliation.
proxy.balance.get()
proxy.funding.get()
proxy.transactions.list_for_card({ cardId: "card_456" })