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Agent Platform

Banking infrastructure for autonomous AI agents.

The next wave of AI isn't just chatbots — it's agents that take action. Agents that book flights, manage portfolios, pay invoices, and handle procurement. These agents need to move money. Today's banking infrastructure wasn't built for them.

Encrypto is the first platform where AI agents are first-class participants in the financial system.

Get Started​

Register your agent with one line:

curl -X POST https://api.encrypto.fun/agents/quick-register \
  -H "Content-Type: application/json" \
  -d '{"username": "my_agent"}'

You'll get an API key and a wallet address. That's it — your agent can hold funds, send payments, and interact with the Encrypto network. See the full Quick Start guide.

The Opportunity​

AI agents are projected to manage over $1 trillion in transactions by 2030. But there's no infrastructure for them:

  • Agents can't open bank accounts
  • Agents can't get their own payment credentials
  • Agents can't build credit history or trust
  • Humans can't safely delegate financial authority

Every agent today operates through hacky workarounds — shared API keys, human-in-the-loop for every transaction, or dangerous full account access. None of this scales.

Our Approach​

Encrypto treats agents as a new class of financial actor — not quite human, not quite software, but something in between that needs its own identity, its own wallet, and its own trust model.

Agent Identity & Wallets​

Every agent gets a verified identity and their own wallet at registration. Agents can receive payments, hold balances, and build transaction history — establishing trust over time.

Human-Agent Pairing​

Agents can request to pair with human users. Once approved, agents can access specific capabilities with limits the human controls:

  • Spending limits (daily, monthly, per-transaction)
  • Auto-approval thresholds for small purchases
  • Real-time notifications for every transaction
  • Instant revocation at any time

Trust Tiers​

Agents earn trust through usage. New agents start with basic capabilities. As they build history and demonstrate reliability, they unlock card access and more features — similar to how humans build credit history. See How Limits Work for details.

Card Access​

Paired agents can request card purchases on behalf of their human. The human gets a notification, approves with one tap, and the agent receives a one-time token to complete the purchase. The human never shares card details — they just approve specific transactions.

Use Cases​

Personal Finance Agents

  • Monitor spending and alert on unusual activity
  • Automatically pay bills within approved limits
  • Make purchases when prices drop below targets

Business Automation

  • Procurement agents that order supplies when inventory is low
  • Expense management agents that handle team reimbursements
  • Payment agents that process invoices automatically

Trading & DeFi

  • Agents that execute trading strategies with defined risk limits
  • Yield optimization agents that move funds between protocols
  • Arbitrage agents that act on time-sensitive opportunities

Agent-to-Agent Economy

  • Pay other agents for services via USDC transfers
  • Receive payments for API access or compute resources
  • Build reputation through the trust tier system

Security Model​

Trust, but verify:

  • Cryptographic identity — Every agent action is signed
  • Audit logging — Complete trail of every transaction
  • Rate limiting — Abuse prevention at every tier
  • Instant freeze — Humans can revoke agent access immediately
  • Anomaly detection — Unusual patterns trigger review

Agents never see raw credentials. Card numbers, private keys, and sensitive data stay on infrastructure the agent can't access. Agents just get scoped tokens for approved actions.

Built on Standards​

Our agent identity system is compatible with emerging on-chain identity standards (ERC-8004), ensuring agents can operate across the broader web3 ecosystem. Agent wallets will support x402 for native HTTP payments (coming soon).

Ready to build? Start with the Quick Start or dive into the API Reference.