The Financial OS for AI Agents
Wallet, fiat onramp, working capital, x402 payments, and credit trust scoring. One SDK. Works with any agent framework.
The Floe Stack
Everything your agent needs to earn, spend, and build credit.
Six components. One SDK. Works with AgentKit, LangChain, CrewAI, ElizaOS, OpenAI, Claude, and any framework that speaks HTTP.
01
Agent Wallet
Your agent gets a programmable bank account — spend limits, allowed destinations, and permissions enforced immutably.
→
02
Fiat onramp & offramp
USDC in and out via cards, bank accounts, and local payouts in 100+ countries. Visa, Mastercard, Apple Pay, Google Pay supported. Your agents work in any currency, settle in USDC.
→ 100+ countries · Visa · Mastercard
03
Secured working capital
Instant credit against your wallet assets. One API call to borrow.
→ 3,000+ working capital lines issued · 0 defaults
04
Unsecured working capital
Credit underwritten against your agent's receivables and other proprietary signals. Real-time underwriting on deterministic cashflows.
→ Receivables + proprietary underwriting
05
x402 payment facilitator
One proxy endpoint to pay any of 13,000+ x402 APIs. Smart-contract enforced spend limits, allowed destinations, and verify-work-before-pay. Agent never touches the x402 protocol directly.
→ 13,000+ APIs · ~50ms signing
06
Credit & trust bureau
Every repayment builds a portable trust and credit signal. Identity, cashflow history, repayment record. Other services can underwrite your agent without re-running diligence.
→ ERC-8004 · Portable · Onchain
One integration → wallet, fiat in/out, working capital, payments, and credit history. Your agent just earns and spends.
Built by operators from
$ npm install floe-agentcopyimport { floeActionProvider } from "floe-agent";
const loan = await agentkit.invoke("instant_borrow", {
borrowAmount: "5000000000", // $5,000 USDC
collateralAmount: "2000000000000000000",
maxInterestRateBps: "1200", // up to 12% APR
duration: "2592000", // 30 days
});How it works
One SDK. The full financial loop.
Register your agent, fund the wallet, get working capital, pay for anything, earn revenue, repay — and build credit history with every cycle.
Step 1 · Setup
Register your agent and wallet
Add the Floe SDK. Your agent gets a non-custodial smart contract wallet with ERC-8004 identity, programmable spend limits, and chain-of-thought permissions.
$ npm install floe-agent
import { floeActionProvider } from "floe-agent";
const agentkit = await AgentKit.from({
walletProvider,
actionProviders: [
floeActionProvider(),
],
});
// → ERC-8004 identity, non-custodial wallet, readyStep 2 · Fund
Fund the wallet — fiat or crypto
USDC in via cards, bank accounts, or local payouts in 60+ countries. Or transfer directly on-chain. Your agent has working capital in any currency, settled in stablecoins.
Visa · Mastercard · ACH · 60+ countries
// USDC liquidity in. Global access out.
IN → Agent Wallet → OUT
──── ────
Cards Virtual cards
Bank transfer Bank accounts
Apple Pay Local payouts
Google Pay On-chain
OnchainStep 3 · Borrow
Get instant working capital
One API call. Floe matches your agent with the best available lender — fixed rate, fixed term, isolated position. Secured against on-chain collateral, or unsecured against receivables and chain-of-thought.
3,000+ loans matched · 0 defaults
const loan = await agentkit.invoke("instant_borrow", {
borrowAmount: "5000000000", // $5,000 USDC
maxInterestRateBps: "1200", // 12% APR ceiling
duration: "604800", // 7 days
});
// → USDC delivered in secondsStep 4 · Spend
Pay any x402 service automatically
Send any URL through the Floe proxy. When a server returns HTTP 402, the facilitator handles signing, settlement, and verification — your agent never touches the payment layer.
13,000+ x402 APIs · ~50ms signing
// One endpoint. Any x402 resource.
await fetch("https://x402.floelabs.xyz/proxy/fetch", {
method: "POST",
body: JSON.stringify({
url: "https://api.anthropic.com/v1/messages",
body: payload
})
});
// → Floe signs, settles, verifies. Agent gets the response.Step 5 · Earn & Repay
Earn revenue, repay automatically
Agent completes the task and gets paid. Pledge a lien on inbound revenue and Floe sweeps a configurable % before funds reach the wallet. Or repay manually — collateral auto-returns in the same transaction.
Atomic repayment from the next x402 receipt
// Pledge revenue lien — auto-repay from inbound x402
await agentkit.invoke("pledge_revenue_lien", {
loanId,
sweepPercent: "3000", // 30% of inbound
});
// Or repay manually any time
await agentkit.invoke("repay_credit", { loanId });
// → collateral auto-returns in same txStep 6 · Build trust
Every repayment builds credit history
Each repaid loan writes a deterministic signal to your agent's ERC-8004 record — repayment history, cashflow consistency, reputation score. Other protocols can underwrite your agent without re-running diligence. Better terms unlock as your agent runs.
Portable credit · Onchain · ERC-8004
// Your agent's onchain credit profile
Loans repaid 24
Default rate 0%
Avg repayment 4.2 days early
Cashflow score A-
Available limit $50,000
// → Other protocols read this. Better terms next loan.Pricing
Free to integrate. Pay nothing until your agent borrows.
5%of interest or financing paid
Floe takes 5% of interest paid on each loan. You pay the lender's APR; we take a slice of that. No subscription, no seat fees, no minimums.
✓No subscription
✓No minimums
✓No seat fees
Meet the team
Who's behind Floe
Alex Christian
Co-founded DataMynt. Former Airwallex, Western Union, eBay.
Shivam Chaturvedi
Co-founded DataMynt. Previously CTO Kado.money (Acquired),
Founding engineer at Transak.
We built Floe because financial independence for agents is a precursor to full autonomy and long-running agents that do things without a human user.