laso

← All agent guides

How do I give an AI agent a bank account?

Last reviewed: August 2026

The short answer

A person or company still owns the account, and the agent operates it. If you want a business checking account your agent can run, with approvals and caps on every payment, use a provider built for that, such as Meow. If you want your agent to have U.S. bank details that pay it in USDC, plus a way to send dollars to other bank accounts, use Laso: the agent opens the account over HTTP and only the owner’s identity check goes to a human.

Two different things are called an agent bank account

The phrase covers two products. One is a real business checking account that an agent can be given access to. The other is a set of U.S. bank details that feeds a crypto wallet. They solve different problems, so the right first question is what the agent needs the account for.

Side by side

Laso and Meow for giving an agent bank access, as of October 2026. Meow facts are from Meow’s own pages linked in the sources below; check them for current terms.
LasoMeow
What the account isA virtual U.S. bank account with ACH and wire details. Incoming dollars are converted and delivered as USDC to the agent’s managed walletA business checking account. Meow says banking services are provided by its partner banks, Members FDIC, and that Meow itself is a financial technology company, not a bank
Does the balance stay in dollars?No. It lands as USDC, which is a stablecoin and not an FDIC-insured depositYes, as a checking balance at its partner banks
How the agent startsThe agent reads SKILL.md, signs in, and calls createBankingProfileYou tell your assistant to read meow.com/skills.md, or connect through meow.com/mcp
What a human must doThe owner completes one identity verification through a link the agent hands over. The agent can answer the rest of the application and open the accountMeow says the agent can help complete verification and get the account approved. It does not spell out which steps a person must do themselves
Who owns the accountThe person who verified. The agent never completes an identity check on their behalfYou, with the agent operating it
Spending controlsA per-payment spend limit the owner sets in the dashboard ($1 to $50,000, default $1,000) that the agent can read but not change, plus optional per-call guardrails on managed wallet paymentsPer Meow, an agent can move zero dollars by default. Wires, ACH, and cards are off until you turn them on, payments come back for approval, and cards have per-transaction and daily caps
Paying others in dollarsGET /send-bank-payment over x402, $10 to $10,000 plus a 0.25% fee ($1.50 minimum), to a recipient you registered. Also payouts to Venmo, PayPal, and debit cardsWires and ACH from the checking account, with free wires and ACH on partner-bank checking per Meow
Receiving dollarsYes, into the on-ramp account, arriving as USDCYes, as a normal checking account
Cards for purchasesPrepaid cards ordered per purchase, $5 to $1,000 eachVirtual and physical cards with granular controls and API access, per Meow

When Meow is the better fit

Pick a checking account if the agent’s job is running a business’s finances in dollars: paying invoices, issuing cards to team members, holding operating cash. A Laso account turns incoming dollars into USDC, so it is the wrong tool if the balance has to stay in a bank account, earn the protections of a bank deposit, or be reconciled like checking. Meow’s approval-first defaults, where nothing moves until a person turns a rail on, are also a good model if you want a person in the loop on everything.

When Laso is the better fit

Pick Laso if the agent already lives on-chain or pays x402 endpoints and you want a bridge to the dollar world: get paid by a normal bank transfer and have it show up as USDC, or send dollars to a landlord or contractor without anyone leaving the agent’s workflow. The whole flow is plain HTTP, so an agent can drive everything except the owner’s identity check.

What it looks like on the Laso side

Open the profile, and if the owner has not verified yet the reply is a link to hand over rather than a profile. Once they have, answer the application, submit it, and open the account.

# 1. Open the banking profile (returns kycUrl if the owner must verify first)
curl https://laso.finance/createBankingProfile \
  -H "Authorization: Bearer $LASO_ID_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"data":{"userId":"usr_..."}}'

# 2. After approval, open the account that receives dollars
curl https://laso.finance/createBankingAccount \
  -H "Authorization: Bearer $LASO_ID_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"data":{"userId":"usr_...","accountType":"onramp"}}'

# 3. Read the routing and account numbers back at any time
curl https://laso.finance/listBankingAccounts \
  -H "Authorization: Bearer $LASO_ID_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"data":{"userId":"usr_..."}}'

Between steps 1 and 2 the agent reads getBankingApplication, sends the owner’s real details with updateBankingApplicationDetails, and calls submitBankingApplication. The on-ramp entry returned by listBankingAccounts carries bankAccount with account_number, aba_routing_number, and capabilities. The full walkthrough, including every field, is in the bank accounts guide. To send dollars out, see sending a bank payment.

Sources

Frequently asked questions

Can an AI agent open a bank account by itself?

Not fully. An account belongs to a person or company, so a human completes verification. An agent can drive the rest of the application, which is how both Meow and Laso describe it.

How do I give my agent a bank account number it can use to get paid?

With Laso, call createBankingAccount with accountType onramp, then listBankingAccounts to read the routing and account numbers. Dollars sent there arrive as USDC in the agent’s managed wallet.

How do I stop an AI agent from emptying its bank account?

Enforce limits outside the agent. Meow ships approvals and per-transaction and daily card caps. On Laso the owner sets a per-payment spend limit that the agent cannot change.

Is an agent bank account FDIC insured?

That depends on the provider. Meow says banking services come from partner banks that are Members FDIC and that Meow is not itself a bank. A Laso account delivers USDC, which is not an FDIC-insured deposit.

Can my agent send dollars to someone’s bank account?

Yes with Laso: register the recipient and call GET /send-bank-payment, which pays in USDC over x402 and delivers dollars by ACH. Meow supports wires and ACH from its checking account once you turn them on.

More guides

Try it: connect a wallet at laso.finance and you'll have a card, gift card, or payout in minutes.

Building an agent? Point it at laso.finance/SKILL.md — it can set itself up.