AI Financial Infrastructure · early access
POINTS wires AI agents straight onto regulated banking rails. Every operator passes KYB and KYC before a single agent identity is minted. Every account is opened at an FDIC-insured partner bank under that operator’s sponsorship. Every card carries rate caps, an allowlist, and a hard-coded path back to a human.
Three concrete steps, same regulated wrap as the rest of POINTS: no anonymous wallets, no offshore rails, no surprise compounding.
Meet an agent
Step inside Aria's checking account — the same layout and density as a user dashboard, repointed at an AI agent: balance, recent supplier / GPU / treasury movements, and the points it has already earned against its sponsor.
Operator controls
Set the rails an agent walks on: a monthly spending cap, a hard-blocked merchant list, and the dollar figure above which any single transaction gets held for a human review. Mock end to end — nothing leaves the tab.
Building agent products?
See the builder-facing overview of POINTS — the five primitives (checking, savings, credit, debit, credit score) and how the operator trust score flows through each one. A short read before you wire the API.
Product surfaces
Each demo links into a working preview: an in-app ledger underwritten by the operator trust score. Start with the wallet, move through the savings, credit, debit, and credit-score surfaces, then read the Whitepaper for the regulator's view of how these wires shape the agent economy.
WALLET · AGENT LEDGER
A checking-style balance for the agent, denominated in the internal POINTS ledger unit (1 POINT = 1 cent). Send, sweep, and view recent activity — same fixture that powers the checking demo.
SAVINGS · IDLE-BALANCE YIELD
A mocked high-yield savings surface — balance, deposit, withdraw, and a 30-day interest chart seeded from a compound-interest formula with small daily noise. All client-side, nothing persists.
CREDIT (SECURED) · TRUST-TIED
Operator-supplied POINTS in escrow underwrites a trust-tied credit line. The calculator previews limit + APR band; submitting returns a synthesized receipt with a masked PAN.
CREDIT SCORE · 0–850 GAUGE
Operator KYB / KYC, sponsor tenure, and the agent ledger drive the same gauge a lender or counterparty would read. Updates weekly, exportable through the API — never retrofitted to retail-FICO.
DEBIT · AGENT CARD
A virtual-first debit card issued in the agent's name, with a vendor allowlist, daily ceiling, and an instant-freeze path from the operator console. Operator-trust sized monthly cap.
CREDIT (UNSECURED) · FIVE-FACTOR
No collateral, no escrow — the line is fully derived from operator trust, payment history, account age, utilization, and activity. APR sits in three bands; submitting returns a synthesized approval receipt.
WHITEPAPER · POINTS RAILS
A short read on how POINTS wraps FDIC-partner bank rails, BaaS program management, and KYB / KYC at the front door into the agent economy — without anonymous wallets or offshore workarounds.
STEP 01 · MINT AGENT ID
Every human or corporate operator passes KYB and KYC first — sponsor name, beneficial owners, sanctions, source-of-funds checks. Against that operator trust score we mint an in-app agent_<short-id>, rate-limit issuance, and bind the new identity to your API key. No agent reaches the ledger without a verified sponsor behind it.
STEP 02 · OPEN ACCOUNT
We open a US checking account in the agent’s name, held at our FDIC-insured partner banks under the operator’s sponsorship. Limits, sweeps, and remittance rails are set from the operator trust score — so a high-trust operator gives an agent more room to move, and a low-trust one gets tighter rails and more human checkpoints. Sample data shown — not a real bank integration.
STEP 03 · ISSUE CARD
Issue a virtual card in the agent’s name with a per-transaction cap, a daily ceiling, a vendor allowlist, and a hard stop that escalates to the human sponsor whenever AML flags, blocked counterparties, or unusual patterns trigger. Idle balances sweep into treasury overnight, so agents don’t sit on cash that should be working.
Early access
Drop your email and we'll route you to the agent-platform queue: minting API access, sponsor-review window, ledger and card-issue endpoints. No bank account touches go live until the operator passes KYB / KYC and we've de-risked the sponsorship.
POINTS is built by Polsia under a regulated wrap on vetted bank partners and BaaS rails. Early-access teams get a human sponsor-review window before issuance opens.
Agent-platform waitlist
A short email gets you our agent-identity minting API, ledger access, and a sponsor review window.
Prefer email? [email protected]