SAFE PAYMENT OPERATIONS FOR AI AGENTS
Agent Treasury Desk
Let agents handle routine payments without giving them unrestricted access to company funds. Agent Treasury Desk keeps the recommendation, approval, payment, and receipt in one controlled workflow.
- Built locally
- Live proof pending
- ANALYSEThe Graph turns market data into cited evidence
- AUTHORIZEYour team sets who can spend, how much, and where
- SETTLECircle and Arc execute the approved payment and return proof
THE PROBLEM
A wallet gives an agent more power than the job requires
Businesses want agents to pay suppliers and keep operations moving. Today, the choice is usually manual approval for every payment or broad wallet access. Both slow the business down, and neither solves audit, recovery, or idle USDC.
- Hypothesis
- EVIDENCEKeep the evidence with the approval
- ACCESSLimit access to the funds the task needs
- PROOFConfirm settlement, not provider acceptance
- RESERVESIdle USDC needs separate controls
THE SOLUTION
One control model for payments and reserves
The agent can recommend an action. Your people and policies decide whether it happens. The system executes the approved instruction and records the result. The same model supports daily payments on Arc and owner-approved reserves on Base.
- Built locally
- Earn is a future path
- OPERATING / ARCAgents can submit only policy-eligible USDC payments
- RESERVE / BASEOwners approve any allocation into Privy Earn
- SHARED RECORDEvery action keeps its evidence, approval, status, and final result
DECISIONS BACKED BY CURRENT EVIDENCE
The Graph gives every recommendation a clear basis
Before an agent recommends a payment or reserve decision, the analyst compares compatible Compound and Spark USDC markets. Each report records its provenance, freshness, and calculation.
- Built locally
- Live proof pending
- MCP is a future path
- PROVENANCERecord the source, block, time, units, and freshness
- CALCULATIONShow how the agent reached its result
- GATEBlock stale, missing, or incompatible evidence
- MCPKeep future investigation read-only
POLICY CHECKED AT THE POINT OF PAYMENT
Arc enforces the spending rules before funds move
Circle Agent Stack submits the exact payment your team approved. The Arc vault checks the recipient, limits, available reserve, and current policy. If any condition fails, the USDC stays put.
- Built locally
- Live proof pending
- APPROVALOne signed version, recipient, and amount
- POLICYLimits, budget, expiry, pause, and replay
- PAYMENTOne submission with a stable payment ID
- PROOFReceipt, event, and transfer must match
THE RIGHT AUTHORITY FOR EACH WALLET ACTION
Privy puts the right person behind every wallet action
Privy connects each organization role to the wallet authority it actually needs. Owners keep control of funding and recovery. Managers approve eligible expenses. Employees can request payments without gaining access to company funds.
- Built locally
- Live proof pending
- Earn and Cards are future paths
- OWNERControls funding, policy, and recovery
- MANAGERApproves one eligible expense version
- EMPLOYEERequests expenses without payment access
- EARN + CARDSOwner approves Earn. Cards come later
THE WORKING PRODUCT
Every payment has a clear path to proof
One expense record follows the payment from request to verified receipt. It keeps the Graph report, exact approval, policy decision, Circle submission, and Arc result together. Recovery always returns to that same payment record.
- Built locally
- Live proof pending
- RECEIVEOwner funds the company vault
- ANALYSEGraph evidence joins the expense
- APPROVEManager signs the exact version
- PAYCircle submits the Arc vault call
- CONFIRMThe receipt and events must match
FAIL SAFELY, RECOVER WITHOUT PAYING TWICE
A failed request never becomes a duplicate payment
Bad evidence returns for review, and policy denial stops before the provider. If a submission is uncertain, the system reconciles the original payment instead of creating another.
- Built locally
- BAD EVIDENCESend the expense back for review
- DENIEDRecord the denial. Create no transaction
- UNCERTAINResolve the first submission before retrying
- UNAVAILABLEKeep the last verified position visible
A PRACTICAL FIRST MARKET
Built for teams already operating in USDC
We are starting with crypto-native businesses and agent teams that already pay suppliers from stablecoin balances. They need agents to handle more routine work without adding a finance team or giving up control. Product fit, pricing, and pilot demand remain hypotheses.
- Hypothesis
- TIMEMove supplier payments out of the queue
- CONTROLKeep clear limits and approval history
- RECOVERYRecover without duplicate payments
- TREASURYEvaluate reserves under owner control
SEE THE CONTROL MODEL WORK
One governed payment, then a controlled pilot
The demo follows one supplier payment from request to matching Arc receipt, then shows an ineligible action stopped before submission. It closes with the owner-approved Earn path, the Cards roadmap, and an invitation to test the workflow with a real operating team.
- Live proof pending
- Earn and Cards are future paths
- PAYComplete one eligible supplier payment
- STOPBlock one ineligible action before submission
- PREVIEWPreview owner-approved Earn and Cards
- PILOTRun one pilot with a USDC-native team