Wallets your code can create, fund and govern.
Provision a principal, spin up agents, allocate budgets, attach a card and write its rules, all from your backend. The dashboard is optional; the API is the product.
AgentWallet is invite-only. Request access and we will follow up.
A programmable wallet is one whose lifecycle and rules are controlled by software. With AgentWallet your code creates agents, moves money between account, principal and agent, writes card policies and reacts to webhooks, while enforcement stays on the server.
A wallet lifecycle, entirely in code.
Create an API key
Account
pak_keys are shown once; only a hash is stored. Agents use them for the Tool API.Create principal and agents
POST /api/principals, thenPOST /api/principals/:id/agents.Allocate
Move a budget to each agent.
Attach resources
Provision a card, inbox or phone number to the agent.
Write policy
Set spending limits on the agent and replace the card policy atomically with
PUT.Subscribe to events
Register webhook endpoints and react to purchase and payout events.
Programmable at every layer
Agents and principals
Create, update and delete via REST; templates help bootstrap common agent types.
Allocations
Account → principal → agent transfers with ledger entries.
Card controls as JSON
A validated schema covering MCC, merchant, geography, channels, AVS and velocity.
Webhooks
HMAC-signed deliveries, exponential backoff retries and manual redelivery.
MCP and OpenAI tools
Expose wallet tools to Claude, Cursor or an OpenAI tool-calling loop.
Policy chat
Draft card or approval policies from plain English, then review before saving.
What teams build on programmable wallets
Agent platforms
Create a wallet per end-customer agent at sign-up and cap it by plan.
Internal automation
Budget each workflow agent monthly and reset allocations from a cron job.
Marketplaces of agents
Give each listed agent its own balance so earnings and spend never mix.
Evaluation harnesses
Give test agents tiny allocations and strict card rules while you benchmark.
Card policy is just JSON.
The card controls schema is published at /api/schemas/cardControls.json and validated server-side.
- Replace a card policy atomically with
PUT /api/agents/:id/cards/:resourceId/policy - Read authorization decisions with
GET .../decisions - Register webhooks with
POST /api/webhook-endpoints - Idempotent payment routes via
Idempotency-Key
# PUT /api/agents/:id/cards/:resourceId/policy # Validated against /api/schemas/cardControls.json { "mcc": { "mode": "allow", "list": ["5734","7372"] }, "channels": { "ecommerce": true, "atm": false, "cashback": false }, "velocity": { "perTransaction": 200, "perDay": 600 }, "defaultDecision": "DECLINE" }
Programmable does not mean unguarded.
Your code sets rules; agents cannot raise them from inside a gated tool call.
Schema validation
Invalid policies are rejected before they reach the card program.
Role-based access
Team members have roles; write actions check permissions.
Hashed API keys
Keys are stored as SHA-256 hashes and identified by prefix.
Signed webhooks
Verify X-Payouts-Signature with a timestamped HMAC.
Questions developers ask
What makes a wallet programmable?
Its creation, funding and rules can be changed by code through an API, and events are pushed back to your systems.
Can I manage wallets without the dashboard?
The dashboard calls the same management endpoints, which currently require a signed-in session. Agent-facing endpoints accept pak_ API keys. Tell us if you need key-based management access.
Is there an SDK?
Use the published OpenAPI document to generate a client, the Agent CLI, or the MCP server.
Who can use AgentWallet today?
Access is invite-only while we onboard teams. Request access from any page; sign-up is enabled per email or domain once you are approved.
Do you guarantee availability in my country or a specific settlement time?
No. Supported rails, currencies and timing depend on the underlying banking, card and payout partners for your account. We confirm what is available for your account during onboarding rather than promising it upfront.
AI agent financial infrastructure
Every page in this set covers one layer. Start at the hub for the full map.
Build on programmable wallets.
Request access to get API keys and a sandbox walkthrough.