Agents request authority. Policies decide. Humans approve exceptions. Scoped cards execute. Everything is logged.
The financial system assumes a human behind every transaction. AI agents bypass that assumption entirely.
Agents borrow a human's corporate card with zero vendor restrictions, zero budget scoping, and no way to trace charges back to specific agent tasks. One compromised agent exposes the entire card limit.
Ramp Agent Cards only work for Ramp customers. Stripe's primitives are merchant-side. Companies using multiple agent frameworks have no unified governance layer.
47.6% of businesses use AI tools, but no spend management system differentiates agent-initiated transactions from human ones. Growing autonomous spend sits outside every approval workflow.
An agent requests authority. Policy decides. Humans approve exceptions. The system issues scoped instruments and logs everything.
Agent submits a Spend Intent: vendor, amount, task, and business reason.
Policy engine checks vendor approval, budget availability, and spend rules in real time.
Safe requests auto-approve. Borderline ones route to a human. A task-scoped virtual card is issued.
Complete chain: LLM reasoning, policy evaluation, approval decision, transaction, receipt, accounting sync.
Controlled delegation with budgets, policies, and accountability. Not independent financial entities.
Works with any card issuer, bank, or stablecoin rail. Not locked to Ramp, Stripe, or any single ecosystem. One policy layer governs them all.
Allocate per agent, per task, per vendor, per time window. Sub-budgets with automatic rollover and threshold alerts.
Links the LLM reasoning chain directly to payment authorization. Critical for compliance, insurance underwriting, and dispute resolution.
Syncs to QuickBooks Online and NetSuite. GL codes, cost centers, and approval metadata flow directly into your books.
Open-source MCP server, REST API, and CLI. Works with OpenAI Agents SDK, Claude MCP, LangChain, CrewAI, and any MCP-compatible framework.
request_spend — Submit a Spend Intent with vendor, amount, task, and reason
get_budget_remaining — Check available budget before committing
get_policy_explanation — Understand why a request was approved or denied
lock_card — Instantly revoke a compromised card in under 200ms
Every major payment network is building agentic commerce infrastructure. The policy and compliance layer above all of them remains unclaimed.
We are onboarding design partners for Q2 2026. Paid pilots with dedicated integration support.
Backed by 199 Biotechnologies