Move USDC, settle invoices,
run global payroll — agentically.

Corporate cards solve one part of treasury — small recurring software charges — and break on everything else. Bank wires for international payroll cost $25–$45 per send and settle in three days. SWIFT correspondents take an unpredictable FX cut. ACH is only US-domestic and capped at $25k for most banks. And none of these rails carry a signed authorization the auditor can verify cryptographically; you're trusting an email chain.

A treasury agent on AgentWallet routes each payment to the cheapest local rail with a hard FX guardrail, signs every outflow with the principal's WebAuthn key, and writes a single canonical ledger row that's exportable for SOC 2 evidence collection. If an outflow is over the daily cap, the agent stops and posts an approval card to your existing Slack workspace — the human signs once on their phone, and the agent finishes the wire.

The result is that the CFO stops being the bottleneck on every $40k vendor invoice, contractors get paid in 8 seconds instead of 3 business days, and the quarter-close audit becomes a SQL query against a tamper-evident ledger instead of a week of forensic accounting. Most teams cut their wire fees by 80–90% in the first month, because Pix/UPI/SEPA Instant cost cents and settle instantly versus $30 wires that don't.

Multi-sig on most platforms means custom Solidity, a hardware wallet ceremony, and a Gnosis Safe nobody understands. On AgentWallet, multi-sig is a policy field on the agent: ≥ $50k requires 2-of-3, ≥ $250k requires 3-of-3 plus a board ping. The signatures are WebAuthn, so they live on each signer's phone or YubiKey — no seed phrases, no airdropped tx hashes to compare in Telegram.

When the agent proposes a payment that crosses a threshold, it generates a PaymentMandate, hashes it, and pushes an approval card to each signer over WhatsApp, Slack, or email. Each signer taps approve; their device produces a signed assertion that's bound to the mandate hash. The agent waits until the quorum is met, then executes — and if any signer refuses, the mandate dies and is logged with the rejection reason.

Most treasury teams holding USDC end up with stranded balances: $200k on Polygon because of one DeFi position last year, $80k on Solana from a Coinbase deposit, working capital on Base. The treasury agent reconciles this once a day. It computes the cheapest rebalance path — usually Circle's CCTP for chains it covers, Wormhole or Across as fallback — and executes only if the total cost is under your configured cap (default 12 bps).

Every hop is logged with the rail, the fee, the slippage, and the resulting chain balance. If a CCTP attestation takes more than 15 minutes (sometimes it does on Polygon → Base), the agent flags the transfer as inflight and won't double-spend. The on-chain trace is anchored to a Base contract once per day for tamper evidence, so anyone — including your auditor — can verify the historical balance without trusting your database.

AgentWallet is a payment + ledger system; it is not an ERP. Treasury teams using NetSuite, QuickBooks, Xero, or Sage feed the AgentWallet ledger export into their GL nightly. The export is grouped by your GL code (set per agent or per allowlist entry), so vendor invoices land on the right expense account without manual coding.

Webhook delivery is signed (HMAC-SHA256 over the canonical body), so a fake invoice can't trick the GL ingestion. The webhook payload includes the trace ID, the signed mandate hash, and the rail-specific receipt (ACH file ID, SEPA Instant settlement reference, USDC tx hash, card auth code) so reconciliation against bank statements is fully automated.