Let your AI agents pay. Without handing them the wallet.
Agents are starting to transact — API credits, cloud, subscriptions, suppliers. Tokeflow is the control plane in between: it verifies which agent is asking, enforces the spending rules you define, executes on the rails you already use, and records every step for audit.
An agent with your card is not automation. It’s exposure.
AI agents already renew infrastructure, buy API credits, and reorder from suppliers. The workflows are ready — payment is the missing primitive. Today the choice is binary: paste a card into a prompt, or grant full wallet access. All or nothing.
What’s missing is the layer in between — one that knows which agent is asking, what it may spend, who it may pay, and when a human has to step in. That’s not a new idea; it’s the same discipline payment operations have always required: policy before execution, audit after it.
Tokeflow provides that layer. Agents get a narrow, revocable way to request payments. Your team gets limits, allowlists, approvals, and a trace for every decision. And the money keeps moving over rails you already trust — cards, Pix, and your existing PSPs.
From agent intent to settled payment.
Six steps — every one of them controlled and recorded.
- The agent requests a payment. It calls Tokeflow with an intent — amount, recipient, purpose. It never touches card data or wallet keys. It only asks.
- Identity is verified. Each agent is a principal with its own scoped credential and limits. Nothing shared, everything revocable — one compromised agent doesn’t expose the rest.
- Policies decide. The policy engine checks the request against your rules — per-operation caps, vendor allowlists, budgets, velocity — in milliseconds, before any rail is touched.
- Humans approve the exceptions. Above the threshold you set — say, R$ 500 — the payment pauses for human review with full context attached. Everything else flows without friction.
- Tokeflow executes. Approved requests route through the best rail for the case — card, Pix, or one of your PSPs — with the routing, fallback, and 3DS the platform already provides.
- Everything is recorded. Which agent asked, which rule authorized it, how much was paid, to whom, and the result — one queryable trace per payment.
Rules you write like configuration.
Policies are declarative and per-agent. Tighten a limit, revoke an agent, add an approval step — effective immediately, no redeploy.
- “Up to R$ 100 per operation.” A hard cap per transaction for the ops agent. Anything above is declined at the policy layer — before any provider is called.
- “Only approved suppliers.” An allowlist of who each agent may pay. A new supplier is added by a human — not discovered by the agent.
- “Above R$ 500, a human approves.” High-value requests pause for review with agent, purpose, and history attached. Approve in one click; everything is logged.
One call from the agent. Everything else is policy.
const payment = await tokeflow.agentPayments.create({
agent_id: 'agent_ops',
amount: 8490, // R$ 84,90
currency: 'BRL',
recipient: 'vendor_cloud_api',
purpose: 'api-credits · monthly top-up',
});
// → {
// status: 'approved',
// policy: 'ops-default · cap R$ 100',
// rail: 'card · stripe',
// trace_id: 'tr_8f31a2'
// }What the control plane gives you.
The same orchestration platform — extended with identity, policy, and approvals for autonomous spend.
Every agent is a principal
Scoped credentials per agent, isolated by design: own limits, own allowlist, own history. Revoke one without touching the others.
Policy-gated execution on your rails
Approved payments run through the orchestration you’d use anyway — smart routing, fallback, 3DS — over cards, Pix, and your existing PSP contracts.
Approvals and audit built in
Human-in-the-loop above thresholds, normalized events for every state change, and a per-payment trace that answers “why was this paid?” in one query.
What changes with a control plane.
| Agent with direct access | Agent behind Tokeflow | |
|---|---|---|
| Credential | A real card or wallet shared with the agent | Scoped, revocable per-agent credential |
| Spend control | Whatever the model decides | Hard caps per operation, per day, per agent |
| Unknown vendor | Gets paid | Blocked by allowlist policy |
| High-value payment | Goes through silently | Pauses for human approval |
| Compromised agent | Rotate the card and hope | Revoke one credential; the rest keep working |
| “Why was this paid?” | Log archaeology across tools | One trace: agent, rule, amount, payee, result |
Your agents decide what to do. Tokeflow decides if it gets paid.
Tokeflow doesn’t build or host agents — your models, frameworks, and workflows stay yours. We provide the payment layer underneath: identity, policy, execution, and audit over the rails you already operate. Autonomy where you want it. Control where you need it.
Building with agents? Let’s talk about the payment layer.
We’ll map your agent workflows, define the policy model, and demo the control plane end to end — request, policy, approval, execution, audit. Sandbox access included.
Talk to an expert
Explore our solutions and see how Tokeflow can help optimize payments for you and your customers.