Agent Account

Accounts for AI agents, robots, and devices acting under delegated authority.

An Agent Account lets software or a machine hold and use financial capabilities on behalf of a person or business — without sharing that owner’s credentials.

Examples: an AI assistant that pays bills, a delivery robot that pays for charging, a vending machine that receives payments.

Principles

Every Agent Account operates under explicit controls:

Owner

Each Agent Account is owned by a Personal or Business Account that is accountable for it.

Identity

The agent has its own credentials, so its actions are attributable and revocable independently.

Permissions

The agent may only perform the actions it was granted.

Limits

Spending caps per transaction and per period, and allowed counterparties or merchant categories.

Oversight

All actions appear in activity; owners can pause or revoke the agent at any time.

Connecting an agent

• AI agents — see AI Agents and MCP / Agent Tools.
• Robots and AIoT systems — see Robots & AIoT.
• Connected devices — see IoT Devices.