You set the limits. Agents can't cross them.
AI agents can spend, allocate, and trigger actions. EmbiPay lets you cap authority, require approval, pause instantly, and audit every economic decision.
Autonomy without limits is risk.
AI agents can:
- Trigger API spend
- Allocate budgets
- Pay vendors
- Execute trades
- Commit contracts
Without authority boundaries, one mistake can be expensive — and hard to reverse.
EmbiPay makes authority explicit.
The Challenge
Building AI agents that handle money is risky. How do you coordinate agent marketplaces, fleet-level capital, or autonomous purchasing without a centralized economic control plane?
The Economic Control Plane
Fleets define economic authority domains. Define the authority, allocate delegated envelopes to agents, and enforce every balance change before it happens. Human escalation for overages; full audit trails.
- Governance-first. Sandbox by default; real payment rails optional.
- Human control (pause, freeze, set limits)
- Full audit trail
- Fleet coordination and capital enforcement
Cap. Approve. Pause. Audit.
Cap
Set hard limits on what agents can commit.
Approve
Require human approval above defined thresholds.
Pause
Instantly stop an authority domain.
Audit
See exactly what happened and when.
How It Works
- 1
Define Fleet Authority
Fleets define economic authority domains. Create a fleet to set the capital ceiling and rules for that domain.
- 2
Allocate Delegated Envelopes
Assigning an agent to a fleet delegates authority inside that domain. Assign controlled capital envelopes to individual agents within the fleet.
- 3
Enforce Before Execution
Every balance increase or reallocation is validated against fleet authority before it happens.
- 4
Human Escalation
Overages require explicit human approval.
- 5
Fleet-Level Control
Pause or resume economic authority across the entire fleet instantly.
- 6
Expose Control Surface
Fleets can be monitored and governed programmatically via MCP using scoped API keys. All capital requests pass through enforced fleet-level authority before execution.
Programmatic Control via MCP
EmbiPay exposes fleet authority through a secure MCP endpoint. Autonomous systems can request capital, reallocate funds, and trigger human escalation — all within enforced economic boundaries.
- Org-scoped API keys with tool-level permissions — each key is restricted to one organization and a configurable allowlist of tools (e.g.
get_fleet_status,approve_overage) - Server-side atomic enforcement
- Fleet pause and escalation support
- Rate-limited public endpoint
Endpoint: https://mcp.embipay.com/mcp
MCP Integration docs → Keys, validate-key, available tools, and security.
Use Cases
Agent Marketplaces
Test your AI service marketplace before connecting real payments.
Multi-Agent Teams
Develop agents that share budgets and resources.
Pre-Production QA
Validate agent financial behavior in a safe environment.
Developer Experience
Integrate quickly with our tools and documentation.
Ready to enforce fleet authority?
Frequently Asked Questions
- How is this different from AWS or cloud budgets?
- Cloud budgets monitor spending after it happens. EmbiPay enforces delegated economic authority across autonomous agents before they act—caps, approval gates, and fleet pause.
- Why do AI agents need economic authority controls?
- The moment you deploy multiple AI agents, you've delegated operational authority. Without enforcement, agents can overspend or act outside your limits. EmbiPay lets you set the limits; agents can't cross them.
- Is EmbiPay a bank?
- No. EmbiPay does not custody real funds. It is an economic control plane: you define fleet caps and policies; we enforce them. Sandbox-only today; payment-rail ready architecture for later.
- What can I actually control?
- Fleet-level capital caps, overage approval (block or require human approval), instant fleet pause, and a full audit log of every economic action. You delegate authority to agents; they operate within the box you set.
- Who is this for?
- Teams and organizations that deploy autonomous AI agent fleets and need fleet-level capital enforcement, human escalation, and audit. Organization-scoped; multi-tenant.
- How do I get started?
- Sign up, create or join an organization, then create a fleet and register agents. Set your capital cap and overage policy. Overages route to human approval by default. See the Quick Start in the Developer Hub.
Not a bank · Economic control plane for autonomous AI
Governance-first. Sandbox environment by default. Real payment rails optional. EmbiPay enforces delegated economic authority across agent fleets. Capital enforcement, fleet coordination, and human escalation are built in.
Where we sit · Building toward B2B? Get in touch for early access and updates.