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Preview
Digital employees
Always on
AI agents. And everything they need to move money.
Two products, one platform. Thea is a digital employee that works inside your tenant — onboarding vendors, chasing tax forms, creating payouts. Agent Identities give every AI agent you ship a verifiable identity, a ledger-backed wallet, scoped keys with spend limits, and an audit log of every action.
Runs in your tenantAgent identitiesMCP-native
Two products
Built for builders in the agent economy
Money infrastructure made for software, not just people. Thea runs your finance ops from inside your tenant, while Agent Identities give each agent you ship a ledger-backed wallet, scoped keys, spend limits, and a full audit trail.
Thea — your digital employee
A state-of-the-art large language model running in-process inside your Payouts tenant. Her own email, her own secure tool access, 30+ platform tools, full audit on every action.
Thea · task console
Preview
T
Onboard vendor · Acme AED
Working
Thea is thinking…
Verify bank account
Collect W-8BEN
Run sanctions check
Schedule payout
Tasks handled1,284
30 platform tools, one brain
Thea loads tools at runtime via MCP. Every call is scoped to your tenant, hits the same storage layer your team uses, and is fully auditable.
MCP tools · one brain
Preview
tax.lookup()
vendors
tax
invoice
payout
fx
kyc
sanctions
accounts
card
ledger
judge
email
whatsapp
voice
receipt
po-match
batch
rails
refund
balance
webhook
report
statement
dispute
approval
schedule
audit
mcp
Tools connected 30
14,820 calls today
Agent Identities — for the agents you ship
Every AI agent you ship gets a verifiable identity backed by a ledger wallet funded from your master balance: agent email, virtual Visa, collection accounts in 40+ countries, payout rails, spend caps, geo-fencing, a scoped API key, and an MCP endpoint — every action logged to its principal owner.
Agent identity · scopes
Signed
O
orchard-agent-01principal · Orchard Labs
Active
payouts.create
card.spend ≤ $5k
geo: US · EU
accounts.read
mcp.invoke
kyc.verified
Audit trail
Actions signed26,470
Both products
Two ways to put agents on your money
Run Thea on your finance team. Or mint Agent Identities for the agents you ship to customers. Same tenant, same ledger, one invoice.
Thea — your digital employee
An AI agent that lives inside your tenant — onboarding vendors, chasing W-9s, scanning invoices, creating payouts, chasing on WhatsApp, email, and voice. A configurable escalation sequence tuned per client.
Thea · workingPreview
Onboard Northwind GmbHKYB
Chase 3 W-9 formsWhatsApp
Scan 12 invoicesEmail
Create payout batchVoice
Reconcile the ledgerTreasury
Tasks closed today1,284
Agent Identities — for your agents
Provision a financial identity for every external AI agent you deploy — inbox, virtual Visa, collection accounts in 40+ countries, payout rails, spend caps, geo allowlist, API key, MCP endpoint. Mint one from the wizard, or one POST from code.
Provisioning identityPreview
agent_orionProvisioned
Inboxorion@…
Virtual Visa•••• 4471
Accounts40+ countries
Spend cap$5,000 / day
MCP keysk•••7f2a
Time to mint1 POST
Live Ops · 30+ MCP tools
Watch every conversation, tool call, and decision stream in real time — filterable by channel, vendor, severity. Per-client MCP key (AES-256-GCM). Automation flags toggle per task: autoApproveInvoices · autoCreatePayouts · fraudCheck · callEnabled · weekendPause.
Live ops & controlsPreview
Policy guardrails
Spend limits
Human approval
Audit trail
Instant freeze
Actions today3,120
Why a dedicated identity
"Share the service account" doesn't scale past one agent.
Per-agent accountability: every payout, email, and tool call tagged to the identity and written to an audit log you can review. Real-world addressability: each agent gets an email a human can reply to, a card a merchant can charge, an account a vendor can wire into. Bounded by design: scoped, expiring keys with IP allow-lists and rate limits, AP2 spend mandates, one-time-reveal credentials, AES-256-GCM at rest — and every payout still passes the same approval, authorization, and execution gates as a human's.
Digital-employee work queue
Preview
5Queued
0Running
0Done
- T Onboard vendor · Acme AEDThea · KYB + bank verify Queued
- O Match invoice · PO-7741Orion · 3-way match Queued
- A Chase tax form · W-9Atlas · WhatsApp nudge Queued
- T Pay batch · 248 vendorsThea · least-cost rail Queued
- O Reconcile · SEPA ledgerOrion · close the books Queued
Actions automated · this run18,420
The agent runtime
Built for the way agents actually spend money
Thea runs your money ops. Agent Identities give the agents you ship a real bank stack. Same tenant, same ledger, full audit on every action — controls finance demands.
Thea closes the AP loop end-to-end
Pulls invoices from her inbox, scans line items, matches vendors, flags duplicates, picks the rail, queues approvals over threshold. Works the queue at 09:00 every morning.
This morning · Thea
$
4900
/ $250,000
Acme Vendor · AED
queued · SWIFT · 09:22
$12,400
Figma · USD
paid · ACH · 09:00
$4,821
Aurora.ai · creator
paid · push-to-card
$2,150
Thea today
since 09:00 UTC
42
+
Vendors actioned this morning
Tool calls per hour · today
2019
2020
2021
2022
2023
2024
2025
Streaming
events
scanned,
verified,
routed,
paid —
auditably
Live Ops · 127 events per minute
Watch Thea's active conversations, tool calls, and decisions stream in real-time — filterable by channel, vendor, severity. Poll every 8 seconds.
Thea's toolbelt · 30 MCP tools
vendors · judge · tax · invoices · payouts · banking · comms · approvals · memory. Loaded at runtime, scoped per tenant, every call auditable.
Manual ops removed
past 7 days
87
%
+2.5%
Tasks Thea closed without a human
built for modern finance ops
Scoped.
Audited.
Per-tenant.
marketing-ops@
+2.5%
pod-latam-eng@
+6%
seller-0042@
+5%
A fleet of agents, one principal
Every Agent Identity reports to a human principal — the person accountable for that agent's spend. Per-agent caps. Country allowlist. Tagged `source_type = agent_identity` in your ledger.
FAQ
Frequently asked questions
Everything you need to know about Thea, Agent Identities, MCP tools, and how agents move money on Payouts.
Still have questions?
What's the difference between Thea and Agent Identities?
Thea is an AI employee that works inside your Payouts tenant — onboarding vendors, scanning invoices, creating payouts, chasing on WhatsApp. Agent Identities are the financial identities you provision for the external agents you ship to your customers — each gets a verifiable identity, a ledger-backed wallet funded from your master balance, an inbox, a virtual card, collection accounts, payout rails, a scoped API key, and an MCP endpoint.
Can an AI agent have its own wallet?
Yes. Every Agent Identity is backed by its own ledger wallet, funded from your master balance through the same immutable, append-only ledger the rest of the platform runs on — so balances stay real-time accurate and no two agents can spend the same money.
How do I cap what an agent can spend?
With scoped keys and AP2 mandate-based pre-authorized spend limits. Set per-transaction, daily, and monthly ceilings plus a country allowlist, and every payout an agent starts still passes the approval, authorization, and execution gates before money moves.
Which agent payment protocols do you support?
MCP for tooling, plus AP2 for mandate-based spend, x402 for USDC payments (on Base / Ethereum L2), and A2A for agent-to-agent negotiation and settlement. Agents reach platform features over the Model Context Protocol under controlled, revocable access.
What keeps a rogue agent in check?
Scoped, expiring keys with IP allow-lists and rate limits, AP2 spend mandates, the three-gate payout lifecycle, and a full audit log of every tool call an agent makes — so anything outside the rules stops for review while trusted, low-risk paths flow straight through.
Deploy Thea.
Or mint a fleet.
Both products ship in the same tenant. Run Thea for your finance ops. Provision Agent Identities for your customers' agents. One bill, one audit trail.