Bank accounts
for your AI agents.
Your AI agent has an unsolved broken last step — moving money. Budera fixes it. One API call gives every agent a real programmable bank account at the banks your users already use and trust. From that point, your agent pays vendors, receives payments, and moves money from its own programmable bank account at a real FDIC insured bank.
Transfer of $850.00 to Sarah Chen processed successfully. Reference #TXN-48210. Remaining balance: $10,440.50.Recurring payment of $850.00 per month activated. Next debit: Mar 1, 2026. Auto-retry enabled with smart scheduling.
The infrastructure that puts your agents miles ahead
Your users already have a bank. Now their agent can too.
AI agents today can research vendors, draft contracts, approve invoices, and schedule tasks — they complete 90% of the workflow autonomously, then halt at anything related to moving actual money. In some emerging cases, agents use the personal banking credentials of users or crypto for transactions with unlimited liability and virtually no safeguards. Budera is not a payment gateway. It is not a BaaS platform —Your users don't want a fintech wallet they've never heard of. They want their agent to bank where they bank. Budera makes that happen — your user picks their bank, Budera opens a real account there in under 200ms, and their agent is live. While competitors are still shipping copilots and approval flows, your agents complete workflows end-to-end — including payment.
Everything you need.
Nothing you don't.
Simple integration
Sign up, receive your API key, and drop a single initialization call into your agent's code. The first time your customers' agent need to pay, Budera opens a bank account in under 200ms — automatically.
Real bank accounts per agent
Every agent wallet is backed by a real FDIC-insured account with its own US routing and account number. Not a virtual ledger entry — a real bank account that any payer can send money to.
Connect with bank
The user connects their bank account once through Budera's hosted widget. Funds flow into the agent wallet via ACH. From that point, your agent pays vendors, receives payments, and moves money all through a single budera API.
Multiple accounts
A user can open accounts at different banks for their agent — all managed under one identity. Different purposes. different rates. One owner — users pick the bank they already trust. When your user's agent first needs to act, they select their trusted bank from Budera's partner network — the bank they already use. Budera opens a real account there
Compliance Infrastructure
Budera's fraud engine monitors each agent's transaction behavior and flags anomalies — unusual new payees, spend spikes, off-pattern timing — before they become fraud events. Built for agent threat models, not human ones.
Agent transacts. You get paid.
Budera shares a portion of float income and 25% of transaction fees come back to your platform monthly for the first 3 years. The more users open accounts through your product, the more you earn. Your agents generate revenue while they work.
Your agent is almost perfect. Give it a bank account.
Not next year. Not after another digital refresh. We are onboarding AI companies with agents that already have workflows with banking and payment barriers — Budera is the financial identity layer that makes that possible
Budera is a financial technology company, not a bank. Banking services will be provided by an FDIC-insured sponsor bank.