Virtual Accounts for AI Agents
Virtual accounts are the balance and routing layer for agent finance operations. They work best with virtual cards: accounts handle funding and allocation, cards handle checkout acceptance.
What It Is
A dedicated account-level container to separate balances, inflows, and reconciliation by agent, team, or workflow.
Who It Is For
Finance and operations teams that need cleaner books, spend attribution, and operational controls for multi-agent deployments.
How It Works
Fund an account, allocate sub-balances, map workflows to each balance bucket, then issue spending instruments against those limits.
Controls That Matter
Per-workflow budgets, top-up rules, account-level locks, recurring windows, and evidence links from account movement to final card charge.
Implementation Pattern
1) Segment balances
Create dedicated virtual accounts by use case: procurement, subscriptions, travel, and incident response.
2) Bind cards to account buckets
Issue cards per workflow so each purchase path inherits a strict funding ceiling.
3) Reconcile continuously
Link account movement, intent, card transaction, and receipt in one ledger trail.
4) Rotate and reset
Automate monthly budget resets and emergency lockouts without touching unrelated workflows.
proxy.balance.get()
proxy.intents.create({
purpose: "Quarterly software renewals",
expectedAmount: 20000,
recurring: { cadence: { type: "monthly" } }
})