Give every AI agent a wallet it cannot misuse
Issue programmable wallets, enforce spend policies, route approvals and settle every agent transaction through one auditable API.
0ms
Policy decision
Real-time checks before funds ever leave an agent wallet.
0/7
Risk monitoring
Continuous controls, alerts and emergency wallet freezes.
0+
Currencies and rails
Route agent payments across cards, transfers and stable settlement.
0%
Traceable spend
Every request, approval and settlement produces an audit event.
A control plane for machine-initiated money
Build controlled payment capabilities into research agents, procurement workflows, marketplaces and autonomous software without exposing a company card or master account.
Agent Wallets
Issue a wallet per agent, workflow or customer with isolated balances and revocable credentials.
Programmable Limits
Control merchants, amounts, frequency, geography and expiry in policy code.
Human Approvals
Escalate sensitive payments to the right person without breaking the agent workflow.
Global Settlement
Move value across supported card and bank rails from a single integration.
Fraud Controls
Score intent and counterparties before authorization, with instant freeze controls.
Audit API
Stream immutable payment context into your observability, finance and compliance stack.
Available balance
$12,458.32
Recent transactions
Cloud runtime
Approved
-$45.80
Research API
Approved
-$9.99
Wallet top-up
Treasury
+$2,500.00
Data provider
Approved
-$127.50
Domain renewal
Approved
-$18.40
Unknown merchant
Blocked
-$315.99
Model inference
Approved
-$52.00
Client settlement
Settlement
+$1,200.00
Shipping label
Approved
-$68.30
SaaS renewal
Review
-$99.00
Cloud runtime
Approved
-$45.80
Research API
Approved
-$9.99
Wallet top-up
Treasury
+$2,500.00
Data provider
Approved
-$127.50
Domain renewal
Approved
-$18.40
Unknown merchant
Blocked
-$315.99
Model inference
Approved
-$52.00
Client settlement
Settlement
+$1,200.00
Shipping label
Approved
-$68.30
SaaS renewal
Review
-$99.00
Cloud runtime
Approved
-$45.80
Research API
Approved
-$9.99
Wallet top-up
Treasury
+$2,500.00
Data provider
Approved
-$127.50
Domain renewal
Approved
-$18.40
Unknown merchant
Blocked
-$315.99
Model inference
Approved
-$52.00
Client settlement
Settlement
+$1,200.00
Shipping label
Approved
-$68.30
SaaS renewal
Review
-$99.00
Guardrails that travel with every agent
Define who can spend, where, how much and under which conditions. Finova evaluates every request in context and returns an explainable decision before settlement.
Test your first agent payment without moving real money
10+
Design partners
100%
Sandbox funds simulated
Create a wallet, attach a spend policy and inspect the authorization trace in one guided sandbox.
Start in simulation. Scale with control.
Platform access plus usage-based processing. No fees move in sandbox mode.
Sandbox
For prototyping agent payments
- 100 test wallets
- Policy simulator
- Approval webhooks
- Audit log export
- Developer support
Scale
For live agent products
- Everything in Sandbox
- Live payment rails
- Advanced spend policies
- Multi-party approvals
- Fraud signals
- Priority engineering support
Enterprise
For regulated agent fleets
- Everything in Scale
- Custom settlement flows
- Data residency options
- SAML and role controls
- Dedicated solutions engineer
- Custom risk policies
Built with agent teams
“We can let agents purchase approved tools without handing them an unrestricted company card.”
Procurement agent team
Design partner · B2B software
“Approval routing keeps exceptions human while routine settlements continue automatically.”
Marketplace platform
Design partner · Operations
“The audit trail gives every payment a reason, policy version and accountable owner.”
Agent infrastructure lab
Design partner · Engineering
“We can let agents purchase approved tools without handing them an unrestricted company card.”
Procurement agent team
Design partner · B2B software
“Approval routing keeps exceptions human while routine settlements continue automatically.”
Marketplace platform
Design partner · Operations
“The audit trail gives every payment a reason, policy version and accountable owner.”
Agent infrastructure lab
Design partner · Engineering
“We can let agents purchase approved tools without handing them an unrestricted company card.”
Procurement agent team
Design partner · B2B software
“Approval routing keeps exceptions human while routine settlements continue automatically.”
Marketplace platform
Design partner · Operations
“The audit trail gives every payment a reason, policy version and accountable owner.”
Agent infrastructure lab
Design partner · Engineering
News & articles
Technical notes on agent identity, payment policy, approvals and auditable settlement.
Designing spend policies for non-deterministic software
Why agent payments need approval traces, not shared cards
Frequently asked questions
Practical answers for teams designing safe machine-initiated payments.
What is an agent wallet?
An isolated payment identity issued to one AI agent or workflow. It has its own credentials, balance rules, limits and lifecycle, so access can be changed or revoked without exposing your treasury account.
Does Finova let an agent spend without oversight?
Only within policies you define. High-risk, novel or out-of-policy requests can be blocked or routed to a human approver before authorization.
Which payment rails are supported?
The platform is designed around cards, bank transfers and programmable settlement. Availability depends on entity, region, currency and compliance review.
How are payment decisions audited?
Every request records agent identity, policy version, decision reason, approver and settlement state. Events can be streamed to your data warehouse or security tooling.
Is this a production banking service?
This site demonstrates the Finova Rails product concept. Production money movement would require regulated partners, security review and region-specific onboarding before activation.
Can one company operate many agent wallets?
Yes. Wallets can be grouped by product, customer, team or workflow, with inherited policies and separate reporting.