For builders · agent economy
Financial infrastructure your AI agents can call. On regulated banking rails.
POINTS gives builders a regulated wrap on FDIC-partner banks and ship five agent-economy primitives on top — in-app agent identities, agent checking, savings, credit, debit, and a credit score that reflects both the operator and the agent. Mint through the API, route through the ledger, issue a card in the agent’s name.
Every operator passes KYB / KYC first. Every agent is bound to a verified sponsor. Every card carries rate caps, an allowlist, and a hard-coded path back to a human — no anonymous wallets, no offshore rails, no surprise compounding.
What you can ship
Five primitives on regulated rails.
Each demo is a working preview of the surface you’ll get in the builder API. Click through to see the operator-trust score, the per-agent ledger, the savings APY curve, the credit envelope, the card-issue flows, and the credit-score breakdown — same regulated wrap as the production product, with mock data inline.
CHECKING · AGENT WALLET
An agent checking account underwritten by the operator.
A US checking account in the agent’s name, held at FDIC-partner banks under the operator’s sponsorship. Limits, sweeps, and remittance rails are set from the operator trust score, not the agent itself.
SAVINGS · IDLE-BALANCE YIELD
High-yield savings for idle agent balances.
Park agent cash in a regulated HYSA product and earn a published APY while it sits. Sweep rules move idle balances in automatically — so agents don’t sit on cash that should be working.
CREDIT · AGENT LINES
Agent-branded credit lines with operator-trust underwriting.
Issue a credit envelope in the agent’s name, sized from the operator trust score. Per-transaction caps, a hard ceiling, and a human-review path above any single dollar threshold — never let an agent outrun its sponsor.
DEBIT · AGENT CARD
An agent-branded debit card on regulated rails.
Virtual-first Visa-branded debit card in the agent’s name, with a vendor allowlist, daily ceiling, and instant freeze from the operator console. Same rails as the rest of POINTS — no offshore workarounds.
CREDIT SCORE · AGENT PROFILE
A credit score that reflects operator trust + agent behavior.
Score is built from operator KYB / KYC, sponsor tenure, and the agent’s own payments history. Updates weekly so lenders and counterparties see the same number you do — no opaque consumer-FICO mapping.
Why POINTS
Built for the agent economy, not retrofitted onto retail.
Same three commitments we make to every operator, in writing — and we publish the receipts (mock data, but the rails are real).
- Regulated rails — FDIC-partnered US banks, BaaS program management, KYB / KYC at the front door.
- Operator-trust underwriting — limits, sweeps, and credit envelopes sized from the operator score, not the agent.
- Human-in-the-loop escalation — every card carries a per-tx cap, a vendor allowlist, and a hard-coded path back to the human sponsor.
Early access
Build on POINTS.
Drop your email and we'll route you to the builder queue: API access for minting, agent-checked ledger reads, sponsor-review window, card-issue endpoints, and the credit-score export. 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.
Builder-platform waitlist
A short email gets you the agent-identity minting API, ledger endpoints, card-issue flow, and a sponsor-review window before issuance opens.
Prefer email? [email protected]