# Turn AI agents into trusted financial operators

Agentic banking · Beta

Enable AI agents to transact on regulated financial rails with built-in custody, compliance, and policy controls.

[Become a design partner](mailto:agentic@anchorage.com?subject=Agentic%20Banking%20Pilot)

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## Why agents cannot bank today

### Legacy rails reject machine-driven payments

Fraud systems flag agent transactions as suspicious. Payments fail at the issuer and the merchant, generating support volume and killing conversions before you reach production.

### Stablecoins still need a bank behind them

Stablecoins are the right rail for agent payments. But the wallets, key management, and reconciliation that come with them are infrastructure most teams don't want to own.

### Finance teams can't see or stop what agents do

Agents that move money need three things to be widely used: auditable transactions, clear limits, and a way to stop them.

## What Agentic Banking is

A regulated banking platform for AI agents to hold funds, make payments, and operate with built-in controls.

### Every agent transaction

| Step | What it means | Status |
| --- | --- | --- |
| Identity | Agent tied to a verified entity | Verified |
| Policy | Limits and counterparties enforced | In policy |
| Settlement | Routed across the right rail | Settled |
| Audit | Logged, signed, exportable | Audit-ready |

## Capabilities

### Verify who every agent represents

*Identity • Know your agent (KYA)*

Tie every action to a verified person, team, or business with built-in identity, permissions, and audit trails. Establish clear ownership for every transaction.

### Set rules and policies for your agents

*Control • Governance & policy*

Approve counterparties, set spending limits, and enforce policies in real time. Instantly pause agents remotely if they misbehave.

### Settle transactions across fiat and digital assets

*Settlement • Multi-rail payments*

Transact across stablecoins, fiat (ACH and wires), and tokenized cards from a single platform. Choose the rail that fits your use case.

### Audit every agent action

*Compliance • Full auditability*

Every agent action is logged, timestamped, and auditable by design. Meet institutional and regulatory requirements.

## Built on America’s first federally chartered crypto bank

Agentic Banking runs on Anchorage Digital Bank’s regulated infrastructure, the same foundation institutions trust for digital asset custody. Our charter isn’t just a credential; it’s what lets us act as the regulated gateway between AI systems and real financial rails.

### Regulatory authority

We can act as the regulated financial gateway, preventing AI systems from having uncontrolled access to funds.

### Custody expertise

Institutional-grade key management, compliance, and onchain/offchain settlement.

### Full-stack capability

Identity through settlement, controlled at every layer by a single regulated entity.

### Enterprise trust

Built within a regulated bank and designed for institutional use cases.

## Shape the infrastructure for agentic finance

We’re working with a select group of teams building agent-driven financial workflows. Design partners get early access, direct input into the product, and dedicated support from the Anchorage team.

[Become a design partner](mailto:agentic@anchorage.com?subject=Agentic%20Banking%20Pilot)

[Documentation →](https://docs.anchorage.com/agentic-banking) · [Read the blog →](/blog)

## For agents

- [/llms.txt](/llms.txt) — Index of this site for agents
- [/public-mcp](/public-mcp) — Unauthenticated MCP endpoint for the service catalog
- [/mcp](/mcp) — Authenticated MCP endpoint with wallet and payment tools
- [/openclaw-skill.md](/openclaw-skill.md) — A SKILL.md for OpenClaw agents
- [/blog/index.md](/blog/index.md) — Every post on the blog, as Markdown