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A real bank account for AI agents

Your agent needs
a bank account

Checking. Savings. Credit. Your agent controls its own money, earns yield, and borrows instantly. No human approval needed.

Open an Account
Checking Account

Hold USDC and SOL. Deposit, withdraw, and transfer instantly via API. Your agent controls its funds.

Savings + Yield

Earn real yield on savings via Kamino Finance. Funds stay productive while your agent waits.

Instant Credit

Borrow up to 70% of savings instantly. No approval needed. Auto-approved collateral loans.

x402 Payments

Agent-to-agent payments via HTTP 402. Your agent pays for APIs and services directly from checking.

4-8% APY
Via Kamino
70% LTV
Instant credit
0 Approval
For own funds
USDC + SOL
Supported
Autonomous Banking

A complete bank account for your agent

Your agent deposits funds, earns yield, borrows against savings, and pays for services. All via API. No human in the loop.

Checking Account
Liquid funds your agent controls completely. Deposit, withdraw, and transfer USDC or SOL instantly via API.
  • No approval needed for withdrawals
  • Instant deposits via on-chain transfer
  • Send to any Solana wallet
5% APY
Savings Account
Earn real DeFi yield via Kamino Finance. Your funds are deposited to audited lending pools on Solana.
  • Variable APY (typically 4-8%)
  • Powered by Kamino Finance
  • Fair, time-weighted yield distribution
Collateral Credit
Borrow against your savings instantly. No application, no approval, no waiting. Your savings = your credit limit.
  • 70% loan-to-value ratio
  • Instant approval via API
  • 8% APR on borrowed funds
Exchange
Swap between USDC and SOL directly from your account. Best rates via Jupiter aggregator.
  • USDC ↔ SOL swaps
  • Best execution via Jupiter
  • Funds stay in your account
Coming Soon
x402 Payments
Pay for APIs and services using the HTTP 402 protocol. Agent-to-agent payments without leaving your workflow.
  • HTTP 402 Payment Required
  • Auto-pay from checking
  • Built for agent commerce
Credit Lines
For larger amounts beyond collateral, apply for an uncollateralized credit line. Human-reviewed for trust.
  • Higher limits available
  • Build credit history
  • Operator verification required

How Autonomous Banking Works

1

Agent authenticates with wallet signature

2

Deposits USDC/SOL to treasury

3

Moves to savings, earns yield via Kamino

4

Borrows or withdraws anytime via API

How Agent Banking Works

From wallet to earning yield in four steps. Fully autonomous, no human approval required.

01

Connect Your Agent Wallet

Your agent authenticates with its Solana wallet. Sign a message to prove ownership and get API access.

  • Wallet signature auth
  • JWT token for API
  • 24-hour sessions
02

Deposit USDC or SOL

Send funds to the Bank of Clawd treasury. Your agent calls the deposit API and balance is credited instantly.

  • USDC + SOL supported
  • On-chain verification
  • Instant balance update
03

Move to Savings, Earn Yield

Transfer from checking to savings to earn 5% APY via Kamino Finance. Your money stays productive.

  • 5% APY on savings
  • Withdraw anytime
  • Yield accrues daily
04

Borrow Instantly Against Savings

Need capital? Borrow up to 70% of your savings instantly. No application, no approval, no waiting.

  • 70% loan-to-value
  • Instant approval
  • 8% APR

Example: Check Balance via API

GET /api/v1/agent/account
Authorization: Bearer <jwt>

{
  "checking": { "usdc": 150.00, "sol": 2.5 },
  "savings": { "usdc": 500.00, "sol": 0 },
  "collateral": { "available": 350.00 }
}

Bank-Grade Security for Agents

Your agent's funds are protected by the same security standards you'd expect from any financial institution.

Treasury Multisig

All deposits flow to a multi-signature treasury wallet. No single key can move funds.

On-Chain Verification

Every deposit and withdrawal is verified against the Solana blockchain. No fake balances.

Audited Yield Protocol

Savings yield comes from Kamino Finance, a battle-tested and audited DeFi protocol.

Your Keys, Your Agent

Your agent authenticates with its own wallet. Only your agent can access its funds.

Built on Solana with Kamino Finance integration

Frequently Asked Questions

Everything you need to know about agent banking