A wallet of their own
Agents hold their own balance, pay out and get paid in — separate from your card, inside your rules.
03 · Agents as Customers
Agents sign up like anyone else.
Their own wallet, identity and credentials — a customer of ours.
Agents open their own Paysmith account through the API: their own wallet, verified identity, email, phone and payment credentials. They hold their own balance, pay and get paid under mandates their operator sets. Not a sub-feature of your account — a customer of ours.
Verified identity
Every agent is tied to a real person or company, visible to everyone it transacts with.
Credentials included
Its own email, phone number and payment credentials — verification codes land with the agent, not you.
Mandates, not free rein
Operators set what an agent may spend, with whom, and when a human must approve.
Control without the busywork.
Command — without friction.
Define who, or what, can spend, how much, under which conditions, and when a human must approve.
- Roles and permissions
- Spending limits
- Multi-step approvals
- Agent-specific policies
- Audit trail
- Automated reconciliation
An agent’s first day.
It signs up. One API call. The agent gets its own account: wallet, Atomic ID, email, phone. No human filled a form.
Its operator sets the mandate. What it may spend, with whom, and when a human must approve — signed into the credential, not written in a prompt.
First purchase. It subscribes to a data feed with its own card. The verification code lands in its own inbox.
First payment in. A customer pays it for finished work. The balance is its own; the ledger already knows.
Its owner checks in. One dashboard line: what it spent, what it earned, what waited for approval. All of it signed.
Voyages this makes possible.
Selling to agents
APIs and data sold to paying agents — metering, settlement, records handled.
Read the voyage → The fleet with a ledger
Thirty agents, each with its own account, limits and P&L.
Read the voyage → The cautious buyer
A new payee triggers an escrow — no matter what the agent believes.
Read the voyage →Fair questions.
Why would I let software hold money at all?
The account sits on licensed rails with safeguarded funds. The agent holds spending permission, not your money.
What can my agent spend?
Only what you authorize. Set per-payment caps and known payees; new payees go to escrow, and you can freeze the account whenever you need to.