Wallet funding
Fund an isolated wallet instead of exposing your bank account.
Users move only the amount they want an agent to use, with each wallet separated from primary accounts.
Payments & Cards
Give agents money. Not your bank account.
Credian creates controlled wallets and virtual cards for AI agents. Users fund the wallet, set the rules, and the agent transacts automatically, but only within the guardrails.
The problem
Payments infrastructure was not built for AI agents.
If you want an AI agent to buy groceries, subscribe to a tool, or pay a vendor, your options today are risky: share your real card, give API access to your bank, or approve every single transaction manually.
Credian replaces all of that with a controlled wallet. The agent gets its own funding, its own virtual card, and its own rules. Your bank account stays untouched. If the agent tries something outside the rules, Credian blocks it before money moves.
Wallet
Dedicated agent balance
Fund an isolated wallet instead of exposing a primary bank account or main card.
Card
Scoped virtual card
Issue a card for the agent with rules attached before the first transaction happens.
Rails
ACH, wire, and FedNow
Move money through familiar rails while Credian keeps the agent in bounds.
Context
Plain language explanations
Every approval, block, and refund carries the reason behind the decision.
Transaction control
Every card swipe passes through the policy engine first.
Approvals, blocks, and explanations are generated before money leaves the controlled agent wallet.
Capabilities
The full payments stack for agent commerce
Agent Wallets
Every agent gets a dedicated wallet. Users fund only the amount they are comfortable with, never exposing their primary bank account.
Virtual Cards
Issue virtual cards tied to agent wallets. Each card is controlled by Credian's policy engine, no unrestricted access.
Bank Account Connection
Users connect existing bank accounts through Plaid for secure funding. Credian verifies the source before any money moves.
ACH & Wire Transfers
Support standard money movement rails for funding wallets and settling transactions. Built for consumer and business volumes.
Fast Settlement
Infrastructure ready for instant settlement where supported. No waiting days for funds to clear.
Transaction Explanations
Every transaction includes context: what the agent did, why it spent, and which guardrail allowed it. Full transparency for users.
Use cases
How agents use Credian to move money
AI Shopping Agents
Let your agent buy products within a budget. Credian enforces merchant categories, spend limits, and blocks unauthorized purchases.
Subscription Management
Agents can manage SaaS subscriptions, renew tools, and pay recurring bills, all within preset guardrails.
Global Payments
Support for multiple currencies and international payments. Agents can transact globally while staying inside compliance rules.
Guarded Transfers
Agents can move money between wallets or to external accounts, but only if the transfer passes velocity limits and recipient rules.
How it works
Fund, set rules, transact, stay in control
01
Connect funding source
User links a bank account through Plaid. Credian verifies the account and identity.
02
Fund the wallet
Move only the amount you want the agent to use. Funds sit in the Agent Wallet, separate from your bank account.
03
Agent transacts
When the agent needs to pay, subscribe, or transfer, it uses the wallet. Every transaction goes through the policy engine first.
04
Approved or blocked
If the transaction passes all rules, it proceeds. If not, Credian blocks it instantly.
05
User sees everything
Full transaction history with explanations. Approved, blocked, failed, refunded, all visible with the reason.
06
Pause or kill anytime
Users can freeze or shut down the wallet instantly. The agent loses access to money in one click.
Ready to power agent payments?
Join the private beta and give your AI agents controlled access to wallets, cards, and money movement rails.