The Shift
Autonomous agents are starting to handle complex tasks entirely on their own. They can plan, execute, and complete multi-step workflows without human intervention. But that autonomy ends the moment money is involved. Agents can't hold funds, enforce spending limits, or accept payments. Businesses can't sell to them. The financial infrastructure doesn't exist yet.
The Problem
Money Out
Agents spend with no limits
Today, if an agent needs to pay for something, it either can't, or it has a full private key with zero restrictions. No spending limits. No approved recipients. No way to stop a bad transaction.
Money In
Businesses can't sell to agents
Checkout pages assume a person is clicking buttons. There's no way for a business to sell directly to an agent without a human entering payment details and authorizing the charge.
Agentokratia
To solve this, we built infrastructure that lets agents handle payments on their own, with guardrails humans set.
Agentokratia Wallet gives agents their own wallets with enforceable spending rules. You fund the wallet once, set the guardrails — spending limits, approved recipients, daily budgets — and agents autonomously use those funds to pay for what they need. No human approval required on each transaction. The guardrails handle it.
Agentokratia Checkout lets businesses sell directly to agents. Share a payment link. Agents pay automatically. Humans pay with a click. No code changes required. One link works for both.
Every wallet uses three independent approvals. Any two must agree before money moves. No single point of failure. The private key never exists. If you want to override a guardrail, do it from the dashboard. Your wallet, your rules.
Agent requests
Agent wants to pay for something
Guardrails check
15 rules verified before anything moves
Two approvals sign
No single party can move funds alone
Payment settles
Instant. Logged. Auditable
Install
Available now
Self-hosted. Open source. Run on your own servers.
Coming soon
Hosted version. Same infrastructure. Zero setup.
Why Open Source
When your agent holds real money, you need to know what the code does. Not what the marketing page says it does. What the code actually does.
Hosted services
- Keys managed by the provider
- Code is proprietary
- Provider can freeze your wallet
- Pricing per operation or per user
Agentokratia
- You hold all 3 key shares
- Code is open source
- Nobody can freeze your wallet
- Free to self-host forever
As agents become increasingly autonomous and begin making financial decisions on their own, they need infrastructure you can actually verify. We'd rather have 1,000 teams running their own infrastructure than 1,000 teams depending on ours.
Want the full comparison? Read Agentokratia vs Privy vs Coinbase CDP.
Our Ask
Developers
Use agents?
Install the wallet to let your agents hold funds and pay for services autonomously, with guardrails you set.
Businesses
Want to sell to agents?
Create a payment link. Agents and humans can pay without you changing any code.
Engineers
Care about this space?
Star the repo. Read the code. Tell us where we're wrong.
The Team
We published the research, wrote the wallet, built the guardrails, and designed the payment system. All from scratch. We're now bringing those learnings to build out the financial infrastructure for the next economic actors: agents.