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Agentic Banking

Autonomous AI-driven accounts.

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The Problem

AI agents need to manage money:
  • Giving agents wallet access is risky
  • Agents face the same multi-chain fragmentation
  • No controlled, secure way for AI to transact

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The Solution

Money Account provides a unified wallet that AI agents can access with limited permissions. 
User grants agent permission: "Spend up to $50/day on API calls"
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Agent operates autonomously within limits
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Policy engine enforces constraints
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User retains control, can revoke anytime

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x402+ Integration

The x402 protocol (HTTP 402-based micropayments) allows agents to pay for web services automatically. 
Agent requests API
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API returns: HTTP 402 Payment Required
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Agent's Money Account pays instantly
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Agent continues with service call
The ”+” in x402+ means Money Account extends this across chains — agent operates on Ethereum but pays for a service on Base, seamlessly.

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Policy Controls

Grant agents specific permissions: 
{
  "agent": "trading-bot",
  "permissions": {
    "maxPerTx": 100,
    "dailyLimit": 500,
    "allowedCategories": ["defi", "api-calls"],
    "blockedDestinations": ["gambling-sites"]
  }
}

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Use Cases

Use CaseDescription
Trading botsExecute trades across chains
Yield farmingRebalance portfolios automatically
API accessPay per-use for AI models
Treasury managementAutomated financial operations
Bill paymentAI handles recurring expenses

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Business Impact

  • Deploy fleets of autonomous agents
  • 24/7 revenue-generating activities
  • Minimal human oversight
  • Safe guardrails via policy engine

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For Users

Imagine an AI that:
  • Pays your bills
  • Invests spare funds into best yields
  • Handles micro-expenses for services
  • All while you retain control