Agents · Built for the agent economy

AI agents.
And everything they need
to move money.

Two products, one nervous system. Maya is an AI employee that works inside your Payouts.com tenant. Agent Identities let you provision financial identities for the external agents you ship to customers — each with its own email, card, rails, and MCP credentials.

In-app agent

Meet Maya.

Claude Sonnet 4.6, wrapped in a LangGraph state machine, running in-process inside your Payouts.com tenant. She has her own email at maya-{you}@agent.payouts.com, her own MCP key, and access to 30+ platform tools. She onboards vendors, collects tax forms, matches invoices, creates payouts, and chases on WhatsApp, email, or voice.

◉ LIVE · Running since 09:14 UTC

Maya

Digital Employee · Reports to Finance Ops
Model
Claude Sonnet 4.6
Runtime
LangGraph · local
MCP tools
30 loaded
Checkpointing
MemorySaver · per-vendor
Max iterations
15 per task
Channels
WhatsApp · email · voice
M
Maya → Acme Vendor · WhatsApp
Hi David — quick nudge before Friday's run. Your W-9 shows a TIN mismatch with the IRS. Want me to pre-fill a resubmission form?
09:14:22 · delivered · read
D
David · Acme
Yes please. And can you just pay in AED this time?
09:22 · WhatsApp
M
Maya → internal · creates payout
Submitting AED payout via SWIFT · $12,400 · routing through UAE global account. Over threshold → queued for approval by S. Chen.
09:22:41 · tool_call: create_payout

7-step escalation ladder — tuned per client.

T + 0 min
WhatsApp
Gentle
"Hi David, quick heads-up…"
T + 2 hr
Email
Gentle
Context + links to portal
T + 4 hr
WhatsApp
Normal
Direct ask with deadline
T + 6 hr
Email
Normal
CC'd to AP team
T + 12 hr
WhatsApp
Direct
"This is blocking your payout."
T + 24 hr
Voice call
Direct
ElevenLabs outbound call
T + 48 hr
Escalate
Urgent
Hand off to human + Slack
Maya's toolbelt

30 platform tools. One brain.

Maya loads tools at runtime via MCP. Each call is scoped to your tenant, hits the same storage layer your team uses, and is fully auditable.

Vendor
vendors.create
Vendor
vendors.update_state
Vendor
vendors.send_invite
Vendor
vendors.assign_team
Compliance
judge.verify_w9
Compliance
judge.verify_identity
Compliance
judge.verify_poa
Compliance
judge.verify_bank_doc
Compliance
judge.bulk_import
Tax
tax.tin_match
Tax
tax.calculate_withholding
Tax
tax.file_1099
Invoice
invoices.scan_email
Invoice
invoices.match_vendor
Invoice
invoices.approve
Invoice
invoices.extract_paper
Payout
payouts.create
Payout
payouts.route
Payout
payouts.confirm
Payout
payouts.batch_approve
Banking
banking.open_account
Banking
banking.fx_quote
Banking
banking.check_balance
Comms
whatsapp.send
Comms
email.send
Comms
voice.call
Approval
approvals.request
Approval
approvals.escalate
Memory
learnings.record
Memory
journeys.advance
Live Ops
Poll every 8 seconds.

Watch Maya's active conversations, tool calls, and decisions stream in real-time. Filterable by channel, vendor, severity.

Automation flags
Toggle per task.

autoApproveInvoices · autoCreatePayouts · fraudCheckEnabled · callEnabled · weekendPause. Every flag auditable.

Per-client MCP key
AES-256-GCM.

One encrypted key per tenant, injected at run-time, never in UI metadata. Rotate anytime.

Live Ops · right now
What Maya is doing this second.
Streaming · 127 events / min
Agent Identities · Financial infrastructure for your agents

Give every AI agent you deploy a real bank stack.

Your customers ship agents that need to send money, receive money, hold a card, and prove who they are. Payouts.com provisions a complete financial identity in eight steps — email, phone, collection accounts, payout rails, virtual card, limits — and hands your agent an API key plus an MCP endpoint it can call from day one.

Agent routings Transfer API Payout Link AP Automation Agent ID Payouts routed by an Agent ID are tagged source_type = agent_identity.
01 · Basics
02 · Email
03 · Phone
04 · Accounts
05 · Rails
06 · Card
07 · Limits
08 · Review
01
Step 01 / 08 · Basics

Name, purpose, principal owner.

Give the agent an identifier. Pick a purpose from presets (Sales SDR, Support, Procurement, Finance, Ops). Assign a human principal — the person accountable for this agent's actions.

agent-1 SALES / SDR
principal: [email protected]
02
Step 02 / 08 · Email

Auto-provisioned agent inbox.

Every identity gets a real mailbox at {slug}@agent.payouts.com. Inbound mail is available via the Inbox API. The agent can send outbound mail using its own API key — no third-party email service required.

✉ [email protected]
03
Step 03 / 08 · Phone COMING SOON

Dedicated SMS & voice number.

We're rolling out per-agent phone provisioning — dedicated numbers for SMS and two-way voice (ElevenLabs-powered). Skip for now; enable with one click when it ships.

📞 +1 (555) XXX · coming Q3
04
Step 04 / 08 · Collection Accounts

Where the agent can receive money.

Spin up a Global Account in 40+ jurisdictions. Each account exposes its own capabilities — e.g. UAE supports Domestic IPI (0–1d), Domestic RTGS (0–1d), International SWIFT (0–3d). One click per country.

United States · USD
United Kingdom · GBP
UAE · AED
05
Step 05 / 08 · Payout Rails

Which rails can this agent use to send money?

Pick from your enabled rails. Each one exposes the routings it can be triggered through — Transfer, API, Payout Link, AP Automation, Agent ID. Toggle on; server-side schema cascade adapts the rest of the agent's behavior.

Domestic ACH
US · instant-day
TransferAPIAgent ID
SWIFT Wire
Global · 0–3d
TransferAPIAgent ID
PayPal
Email · wallet
TransferAgent ID
Push-to-Card
Visa Direct / MC Send
APIAgent ID
Stablecoin
USDT · USDC · on-chain
APIAgent ID
Gift Card
Branded e-gift
LinkAgent ID
06
Step 06 / 08 · Virtual card

Issue a card for online purchases.

Optional. Issues a virtual Visa on creation with a configurable spend limit. PAN is tokenized via VGS — your infrastructure never touches card data. Freeze, rotate, and top up from the admin dashboard.

PAYOUTS · AGENT
•••• •••• •••• 0000
CARDHOLDER
AGENT 1
LIMIT
$500
07
Step 07 / 08 · Limits & policy

Spend caps and country allowlist.

Per-transaction, per-day, and per-month caps in USD. Leave blank for no limit. Add an ISO-country allowlist to geo-fence the agent. Limits are recorded today and enforced by the agent-auth middleware as it ships.

Per-txn: $5,000
Daily: $25,000
Monthly: $500k
Geo: US, GB, AE
08
Step 08 / 08 · Review

Confirm & generate credentials.

Final confirmation. On "Create Identity & Generate Credentials" we mint an API key (shown once), an MCP endpoint bound to the identity, the email inbox, the virtual card, and register the agent with id:agent-1 · iss:payouts.com.

✓ READY · Create Identity & Generate Credentials
Or skip the wizard — one API call

Provision an identity from code.

Everything the wizard does, the API does. Mint an inbox, a card, a collection account, an MCP endpoint, and an API key — in one POST.

 
Inbox
[email protected]
Live · receive + send
Virtual Card
•••• 4821
Visa · $2,500 limit
MCP Endpoint
mcp://agent/shopper-alex
Scoped · AES-256-GCM
After creation

Three things the agent gets. Nothing more, nothing less.

One email. One API key. One MCP endpoint. Every outbound call is signed, every inbound message captured, every transfer tagged source_type = agent_identity in your ledger.

✓ IDENTITY CREATED · preview

agent-1 is live.

Save the API key now — it's the only time the full key will be shown. Rotate it later from the identity detail page. Identity provisioning is live; credential enforcement ships alongside the agent-auth middleware.

⚠ Save the API key now — this is the only time the full key will be displayed.
Agent Email
[email protected]COPY
API Key (preview)
pk_live_7fa4c21e••••••••••••••••••••••REVEAL · COPY
MCP Endpoint
https://{tenant}.picard.replit.dev/mcp/banking-platformCOPY
Built for

Six industries. One primitive.

Whenever a company delegates a repeated action to an agent — and that action touches money — the agent needs a real financial identity. Here's who's asking.

01
Creator economy · AI talent

AI Talent Agencies Synthetic Influencers

Agencies are building AI influencers — synthetic personalities with their own face, handle, and following. Each one needs a financial identity on the internet: brands pay her, not the agency behind her.

Brand
Campaign deal
pays the influencer
AI influencer
@aurora.ai
routes
Render & computeCard
Voice / stylist licensorsACH
Agency (creator)ACH
WHY IDENTITYBrands contract with the AI persona directly — her handle is the IP. She pays for her own GPU time, licensed voice, and stylist models. The 1099 lists her legal entity; the agency takes a split like any talent manager.
02
Ad tech · media

Publisher Networks Ad-Inventory Agents

A network represents 2,000 websites across 40 countries. Each top-performing site runs an agent that negotiates rates, books campaigns, and settles to the publisher.

Advertiser
SWIFT in
receives
Agent
site-aurora@
settles
US publisherACH
EU publisherWise
LATAM publisherUSDC
WHY IDENTITYLocal rails beat wires. Each agent needs country-scoped limits, the right collection account, and source-tagging so the ledger shows which site earned what.
03
Marketplaces

Marketplace Sellers Storefront Agents

A marketplace gives every high-volume seller an agent that manages inventory financing, supplier payments, ad spend, and scheduled payouts to the seller.

Marketplace
Escrow out
funds
Agent
seller-0042@
spends
China suppliersUSDT
US fulfillmentACH
Meta / TikTok adsCard
WHY IDENTITYThe agent is the working-capital layer. Virtual card for ads, collection accounts in USD/CNY/EUR, strict per-supplier caps so a prompt injection can't drain the float.
04
Gaming & studios

Game Studios In-Game Economy Agents

Live-ops agents reward top players, pay tournament winners, and buy user-generated assets from creators — at scale, 24/7, across every region.

Studio
Weekly fund
funds
Agent
liveops-seasonX@
pays
Prize winnersGift
Asset creatorsPayPal
In-game top-upsWallet
WHY IDENTITYGame Shield screens every payout. Country allowlist blocks sanctioned regions. Daily caps mean one bug can't drain the prize pool. Every payout tagged to the agent for fraud review.
05
Enterprise finance

Procurement Department Buyer Agents

Mid-market companies deploy one agent per department — marketing buys ads, ops buys SaaS, facilities pays vendors. Maya matches receipts to invoices.

Finance
Monthly budget
allocates
Agent
marketing-ops@
spends
Ad platforms · SaaSCard
ContractorsACH
Enterprise vendorsWire
WHY IDENTITYDepartment-level attribution without a shared card. Per-agent caps, merchant allowlists, principal-owner accountability if marketing's agent goes off-prompt.
06
Global workforce

Contractor Pools Payroll Agents

A staffing platform manages 10,000 contractors across 60 countries. Each pod (LATAM engineers, PH support, EU designers) has an agent that owns onboarding, timesheets, tax forms, and payroll.

Platform
Monthly fund
funds
Agent
pod-latam-eng@
pays locally
Brazil contractorsPix
India contractorsUPI
EU / US contractorsSEPA
WHY IDENTITYEach pod-agent holds USD collection, 12 local payout rails, its own compliance state — who's KYC'd, who owes a W-8BEN. An API key can't carry that.
Why a dedicated identity

Because "share the service account" doesn't scale past one agent.

1

Per-agent accountability

Every payout, email, and tool call is tagged with the identity. If an agent misbehaves, you know which one, when, why — and you revoke without taking down the fleet.

2

Real-world addressability

Your agent has an email a human can reply to, a card a merchant can charge, a bank account a vendor can wire into. It's a real participant in commerce, not a webhook.

3

Credential hygiene

One-time-reveal API key, scoped MCP endpoint, AES-256-GCM-encrypted at rest. No shared service accounts leaking into a hundred LLM prompts.

Ready for the agent economy

Deploy Maya. Or mint a fleet.

Both products ship in the same tenant. Run Maya for your finance ops. Provision Agent Identities for your customers' agents. One bill, one auditable ledger.

Deploy Maya Mint an Agent Identity Read developer docs
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