### **You**

Yes — you want real banking infrastructure, but agents should never have direct bank access. They should only hit a narrow “Treasury/Money API” you control, with hard caps and idempotency. The bank account(s) are the vault, not the tool.
The clean setup
1) One real “Treasury” account + segregated sub-accounts
Use a single primary business bank account as the root treasury, then segregate money by venture and purpose via:

multiple bank accounts (if your bank supports it), or

“financial accounts”/sub-ledgers in a treasury layer, or

earmarked balances in your internal ledger (worst-case, but workable early)

If you want programmatic “sub-accounts,” Stripe Treasury financial accounts are explicitly meant to “store, send, and receive funds” and support bank-transfer rails (ACH, etc.). Stripe Docs
Practical partitioning (minimum):

Treasury-Reserve (untouchable liquidity floor)

Treasury-Operating (pays bills)

Venture-i Operating (each venture gets a bucket)

Vendor Escrow (milestone payments)

Taxes/Fees (optional)

2) Spend should be VCC-based, not ACH-based
For anything that looks like “card spend” (SaaS, ads, contractors), use virtual cards with limits and restrictions.
Brex (example) supports:

per-card limits / recurrence

max amount per transaction

restricting merchants / categories / MCCs Brex+1

That’s exactly what you need to bind spend to:

venture\_id

workflow\_id

merchant allowlist

TTL / velocity limits

3) ACH / wires should be rare and heavily gated
ACH/wires are higher blast-radius than cards. If you enable them:

only allow via your Treasury service

require stronger policy gates (e.g., 2-agent quorum, longer cooldowns, smaller limits)

If you need bank account verification for ACH flows, Plaid Auth is designed to retrieve account/routing for electronic transfers and has endpoints like /auth/get. Plaid+1
(Also note Plaid connection modes vary: OAuth vs non-OAuth vs routing/account-number + micro-deposits; non-OAuth can involve stored credentials, which you generally want to avoid if possible.) Plaid Support
What accounts/infra should agents get?
None directly. Give agents:

a Money API that can request actions

a policy engine that approves/denies

an audit ledger that records everything

Agents never receive:

bank login

routing/account numbers (except where strictly necessary and scoped)

card numbers

dashboard access

Minimal “Day 0” stack (works immediately)

Treasury root: one real bank account (business)

Spend rail: VCC platform (or Stripe Issuing later) with merchant/MCC caps Brex+1

Programmatic treasury layer (optional early, strong later): Stripe Treasury financial accounts Stripe Docs

Verification (only if needed): Plaid Auth for ACH/bank linking Plaid+2Plaid+2

Your ledger + policy engine: enforces EAU, commitments, default-deny, idempotency

How this maps to “agents as an always-on office”

Agents can freely do planning, building, outreach.

When money is needed, they submit a Purchase Intent (workflow\_id, merchant, cap, TTL).

Policy engine checks EAU + limits.

Only then a VCC is issued/unfrozen, and only for that intent.

If anything deviates (wrong MCC/merchant/amount), card auth is declined automatically.

If you tell me whether you want to start with (A) VCC platform first or jump straight to (B) Stripe Issuing + Stripe Treasury, I’ll lay out the exact account/bucket structure + limits doctrine + which actions are allowed in Month 1 vs Month 3.

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### **ChatGPT**

Tax/legal and other compliances +optimization?

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