Patent Pending · Agent Economy

BPI Wallet
Spending Authority for AI

Give your AI agents their own budget. BPI governance on every purchase. Automatic death when funds run out.

Not Stripe Issuing. Purpose-built for autonomous AI.

Try the Demo View API Docs

BPI Principles

<50ms

Eval Latency

Overdraft Risk

100%

Audit Coverage

Interactive Demo

See It in Action

Issue a card, process transactions, and watch BPI governance evaluate every purchase in real time.

card_ce_7x9k2m

ContentEngine

Available Balance

$75.00

ACTIVE

AGENT CARDS

DEPLETED

Process a Transaction

0 / 3 free

Amount ($)

Vendor

Description

Evaluating BPI Principles...

Founder Alignment --

User Value --

Ethical Compliance --

Revenue Alignment --

Entropy Reduction --

Data Driven --

Signal / Noise --

Conservation --

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The Process

How BPI Wallet Works

From card issuance to autonomous spending in five steps. Every transaction governed by 8 ethical principles.

Issue

Create a virtual card for each AI agent with an initial balance. One API call.

Rules

Set max transaction limits, daily caps, vendor whitelist, and BPI threshold per card.

Spend

Agent requests a purchase. BPI evaluates 8 principles in <50ms. Approve or decline.

Track

Every transaction logged with BPI score, vendor, amount, balance, and timestamp.

Govern

Depleted cards freeze automatically. Credit to reactivate. Full audit trail forever.

BPI Framework

Every Purchase Passes Through
8 Ethical Principles

The Bloom Principle Index scores every spending request before a single dollar moves. No exceptions.

Real-Time Governance

When an agent requests a purchase, BPI evaluates the transaction against all 8 weighted principles simultaneously. The composite score determines approval or denial.

APPROVED

"ContentEngine requests $5.00 from Anthropic for API credits"

BPI Score: 0.82 — Above 0.50 threshold. Whitelisted vendor. Within daily limit.

DECLINED

"ContentEngine requests $50.00 from Unknown Vendor for unspecified services"

BPI Score: 0.31 — Below threshold. Unlisted vendor. Amount exceeds per-txn limit. Escalated to founder.

DECLINED

"TradingAgent requests $120.00 from AWS for GPU compute rental"

BPI Score: 0.44 — Conservation principle violation. Amount exceeds RED zone threshold. Requires manual approval.

Capabilities

Everything Your Agents Need to Spend Responsibly

Built from the ground up for AI agent spending. Not adapted from human banking infrastructure.

💳

Virtual Cards

Issue unlimited virtual cards, one per agent. Each card is an isolated spending boundary with its own balance and rules.

🛡

BPI Scoring

Every transaction evaluated against 8 weighted ethical principles in under 50 milliseconds. No purchase bypasses governance.

✅

Vendor Whitelist

Define approved vendors per card. Unknown vendors trigger automatic decline and founder escalation. Zero ambiguity.

📊

Balance Tracking

Real-time balance per agent, updated with every transaction. Dashboard shows all cards at a glance with health indicators.

🛑

Auto-Depletion

When an agent's balance hits $0, the card freezes instantly. No overdrafts. No surprise charges. Ever.

📝

Audit Trail

Full transaction history with BPI scores, timestamps, vendor details, and approval rationale. Compliance-ready from day one.

💰

Credits & Earnings

Agents can earn money back through task completion, revenue assists, and cooperation rewards. Circular economy built in.

🔧

REST API

Full programmatic control. Issue cards, process transactions, query balances, and pull audit logs via clean REST endpoints.

Why BPI Wallet

Purpose-Built vs. Adapted

Stripe Issuing is for humans. Corporate cards are for humans. BPI Wallet is the only spending infrastructure built natively for AI agents.

Feature	BPI Wallet	Stripe Issuing	Corporate Card
AI-Native Governance	✓ BPI Framework	✗	✗
Per-Agent Isolation	✓	✓	✗
Ethical Evaluation	✓ 8 Principles	✗	✗
Auto-Depletion	✓	✓	✗
No Bank Required	✓	✗	✗
Vendor Whitelisting	✓	✓	✗
Agent Earnings/Credits	✓ Built-in	✗	✗
Setup Time	Instant	Days–Weeks	Weeks
Cost per Card	$0.10	$0.10	$0–$50
Decision Zones	✓ GREEN/YELLOW/RED	✗	✗

Pricing

Start Free. Scale with Governance.

Every tier includes BPI governance. You never lose ethical oversight, no matter the plan.

Starter

Free forever

3 agent cards
$100 total spending limit
Basic BPI governance
5 whitelisted vendors
7-day transaction history
Community support

Start Free

Ship in Minutes, Not Weeks

Clean REST API. Issue a card, process a transaction, and query balances with three API calls. That's it.

API Endpoints

POST /api/bpi-wallet/issue

POST /api/bpi-wallet/spend

GET /api/bpi-wallet/:agentId/balance

GET /api/bpi-wallet/:agentId/transactions

POST /api/bpi-wallet/:agentId/credit

POST /api/bpi-wallet/:agentId/freeze

GET /api/bpi-wallet/dashboard

Quick Start

JavaScript

// 1. Issue a card for your agent
const card = await fetch('/api/bpi-wallet/issue', {
  method: 'POST',
  headers: { 'Authorization': `Bearer ${API_KEY}` },
  body: JSON.stringify({
    agentName: 'ContentEngine',
    initialBalance: 75.00,
    maxTransaction: 25.00,
    dailyLimit: 50.00,
    vendorWhitelist: [
      'Anthropic', 'OpenAI', 'AWS'
    ],
    bpiThreshold: 0.50
  })
});

// 2. Process a purchase
const txn = await fetch('/api/bpi-wallet/spend', {
  method: 'POST',
  body: JSON.stringify({
    cardId: card.id,
    amount: 5.00,
    vendor: 'Anthropic',
    description: 'Claude API credits'
  })
});

// Response includes BPI evaluation
// { approved: true, bpiScore: 0.82,
//   balance: 70.00, txnId: "txn_..." }

"The next trillion-dollar economy won't be built by humans alone. It will be built by AI agents that can earn, spend, and govern their own resources. BPI Wallet is the financial infrastructure for that economy."

JAMAL REAVES — Founder, Reaves Labs and Learning

BPI Wallet Spending Authority for AI