# Financial infrastructure for AI agents. Canonical: https://www.usepayle.com/agent-wallets Language: en Summary: Dedicated funding for AI agents: spend analytics, cross-border payments, SOC 2 & GDPR compliance, fraud prevention and APIs. Agent Wallets give every AI agent a dedicated, policy-controlled source of funds: spend caps in dollars, real-time analytics, fraud prevention, and a compliance posture your security team can sign off on. Your agents move fast. Your money moves faster, under control. [Talk to sales](mailto:sales@usepayle.com) [Explore the platform](https://www.usepayle.com/agent-wallets#how) $10M+ AI spend financed 500+ enterprise teams 100+ AI tools approved 100% spend under policy ## Everything an agent wallet needs, built in Seven capabilities, one platform. Every agent wallet ships with the controls finance requires and the programmability engineering expects. AI spend analytics Every request an agent makes is tagged by wallet, tool, team and project, then rolled into real-time dashboards your finance team can actually use. - Per-wallet, per-agent and per-tool breakdowns in real time - Budget alerts before overspend happens, not after - CSV and API export for finance reporting and ERP sync Cross-border payments Fund AI vendors in every market you operate in from one credit line, without opening a local entity or eating avoidable FX friction. - One credit line, global coverage of approved AI merchants - Multi-currency support with transparent conversion - Local payment rails for US, EU and UK providers Team accounts Humans and agents share one financial system of record: roles, permissions and budgets that separate what people can spend from what agents can spend. - Granular roles and permissions per member and per agent - Shared team budgets with individual spending limits - SSO and audit-grade activity history for every action SOC 2 & GDPR compliance Built for enterprise security from day one, so agent wallets pass vendor review instead of becoming the reason procurement stalls. - Encryption at rest (AES-256) and in transit (TLS 1.3) - Full audit trail for every wallet movement and policy change - EU and US data residency options, DPA available Fraud prevention The wallet only works with approved AI merchants, so a compromised credential cannot be drained on a yacht. Every transaction passes layered checks. - AI-only merchant allowlist, enforced at the network level - Device fingerprinting and IP velocity checks - Real-time anomaly detection with automatic transaction holds API & integrations Provision wallets, set policies and read spend programmatically. Agent wallets are API-first, so your platform, not a dashboard, is the source of truth. - REST API for wallet lifecycle, limits and transactions - Webhooks for approvals, threshold alerts and declines - Native integrations with Slack, Notion, Linear and more Procurement-ready The paperwork your buyer needs already exists: contracts, invoicing and security documentation that slot into existing procurement workflows. - Custom contracts and MSA support - Invoicing and consolidated billing per entity - Security questionnaires and compliance docs on request ## Everything an agent wallet needs, built in See every dollar your agents spend, as they spend it Autonomous spending without autonomous budgets is how AI projects lose finance approval. Agent wallets stream every transaction into live dashboards, so a spike in API usage shows up as a notification, not as a surprise on next month’s invoice. Slice spend by agent, by tool, by team or by cost center, set monthly ceilings per wallet, and export the whole picture to your ERP with one click. - Live transaction feed per wallet, tagged automatically - Monthly and lifetime ceilings per wallet, team and project - Anomaly alerts when usage patterns break from baseline Policies that enforce themselves A policy that lives in a document does not stop a runaway agent. In Payle, policy is infrastructure: the wallet only transacts with approved AI merchants, only within the limits you set, and only for the tools you have green-lit. Attempts outside policy are declined in real time and logged with full context, so security teams can investigate without pulling engineers off the roadmap. - Merchant, tool and category allowlists enforced at transaction time - Per-transaction and per-period limits, with optional human approval above a threshold - Immutable audit log of every approval, decline and policy change Wallets your stack can call Create a wallet with one API call, attach it to an agent, and start transacting in minutes. Provision per-environment wallets so staging cannot touch production budgets, rotate credentials without touching live policies, and wire webhooks into the approval flows you already run in Slack or Linear. The dashboard mirrors the API, never the other way around. - Wallet lifecycle: create, fund, freeze and close via REST - Scoped API keys with least-privilege permissions - Sandbox environment for testing spending policies safely ## From zero to a funded agent in three steps Create the wallet Provision a dedicated wallet per agent, team or environment from the dashboard or the API, with its own identity and credit allocation. Set the policy Define merchant allowlists, spending limits and approval thresholds. The policy is enforced at the transaction level, not on an honor system. Let agents work Agents transact autonomously within policy. You watch the analytics, get alerted on anomalies, and export clean reports for finance. ## Security & compliance, by default SOC 2 Type II controls. All financial data encrypted at rest (AES-256) and in transit (TLS 1.3). Full audit trail for every transaction and policy change. GDPR & CCPA compliant. Data residency options for EU and US. Right to access, correct and delete. No data sold to third parties. Double-entry ledger. Every movement in every wallet is tracked with double-entry accounting. Balances always reconcile, down to the cent. AI-only by design. Wallets transact exclusively with approved AI merchants, eliminating entire categories of fraud and misuse before they exist. ## Frequently asked questions What is an agent wallet? An agent wallet is a dedicated, policy-controlled funding source for AI agents. Instead of sharing a company card, each agent gets its own wallet with spending limits, merchant restrictions and full transaction analytics, so autonomous AI spending stays within the boundaries your finance and security teams define. How is an agent wallet different from a corporate card? A corporate card is built for humans: manual approvals, month-end reconciliation, broad merchant acceptance. An agent wallet is built for machines: API provisioning, real-time policy enforcement, AI-only merchant allowlists and per-transaction analytics. It removes the choice between giving agents access to a shared card and blocking them entirely. What stops an agent from overspending? Multiple layers: per-transaction and per-period limits on every wallet, monthly ceilings per team and project, AI-only merchant allowlists enforced at the network level, and real-time anomaly detection that can hold suspicious transactions automatically. Optional human approval gates can require sign-off above a threshold you choose. Which AI tools and merchants do agent wallets support? Agent wallets work with Payle’s catalog of 100+ approved AI tools and APIs, including Claude, ChatGPT, Cursor, Runway, ElevenLabs and Perplexity, plus approved API usage from AI providers. The allowlist grows continuously, and enterprise customers can request specific vendors for review. Is Payle compliant with SOC 2 and GDPR? Payle is built to SOC 2 Type II controls with AES-256 encryption at rest and TLS 1.3 in transit, and it is GDPR and CCPA compliant with EU and US data residency options. Full audit trails, a double-entry ledger and security documentation for procurement reviews are available to enterprise customers. How much do agent wallets cost? There are no subscription fees and no interest on the standard plan: you pay only for the AI your agents use, spread over three monthly installments at 0% APR. Enterprise deployments get custom AI Power limits, consolidated invoicing and dedicated support. See the Payle pricing page for details. Ready to give your agents a budget? Get a custom demo, AI Power limits sized to your roadmap, and an onboarding plan for your team. [Talk to sales](mailto:sales@usepayle.com) [See pricing](https://www.usepayle.com/products)