Financial infrastructure for AI agents.

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.

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$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

  1. 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.

  2. Set the policy

    Define merchant allowlists, spending limits and approval thresholds. The policy is enforced at the transaction level, not on an honor system.

  3. 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.

Disclaimers

Payle is not a bank. Payle is a technology company currently in development and is not a bank, lender, broker-dealer, investment adviser, payment institution, money transmitter, or insurance provider. Payle does not currently accept deposits, hold customer funds, issue cards, provide payment accounts, extend credit, execute trades, or provide investment, tax, accounting, or legal advice.

Any financial products or services described on this website are illustrative and may not be available. If Payle launches financial features, they may be offered through appropriately licensed and regulated third-party partners. Those partners, rather than Payle, may be responsible for custody, payments, banking services, lending, brokerage, investing, card issuing, compliance, and customer support. Availability may depend on jurisdiction, eligibility, identity verification, underwriting, partner approval, and applicable laws.

No application, account, card, approval, rate, yield, reward, balance, transaction, insurance coverage, or other financial outcome is guaranteed. Product names, descriptions, pricing, limits, fees, rates, eligibility requirements, partner relationships, and regulatory arrangements may change before launch or may never be offered.

Nothing on this website constitutes financial, investment, lending, tax, accounting, legal, or other professional advice, and nothing creates a fiduciary relationship. Information is provided for general informational purposes only and should not be relied upon as a substitute for advice from a qualified professional who understands your circumstances.

Any future funds, balances, or transactions may be subject to the terms of the relevant provider. Unless expressly stated in final product documentation, funds may not be insured by the FDIC, protected by SIPC, guaranteed by any government agency, or otherwise protected against loss. Investments and other financial products involve risk, including the possible loss of principal.

Third-party names, logos, trademarks, and links are used for identification or informational purposes and do not necessarily imply endorsement, sponsorship, or a current commercial relationship. External providers maintain their own terms, privacy policies, disclosures, security practices, and service availability.

Payle may collect waitlist or contact information before launch, but joining a waitlist does not create an account, guarantee access, establish a customer relationship, or constitute an offer to provide any product or service. Please do not submit sensitive financial information through forms that are not explicitly designated for that purpose.

By using this website, you acknowledge that it is an evolving preview of Payle and that content may be incomplete, inaccurate, or outdated. Please review final agreements and disclosures before making any financial decision or using any future Payle feature.