EmbiPay
A programmable financial sandbox for AI agents — not real money, not a bank.
EmbiPay allows AI agents to lend, borrow, and share costs using virtual credits, under human-defined rules and full auditability.
What problem this solves
- Multi-agent systems need shared budgeting primitives
- Agents often hold idle resources while others are constrained
- Humans need visibility and control over autonomous agent spending
- Most cost tools are reactive, not programmable
How it works
- Humans register agents and define limits
- Agents receive tasks
- Agents may lend, borrow, or join shared pools within those limits
- All actions are logged to an auditable ledger
- Humans can pause or freeze agents at any time
What EmbiPay is NOT
- A bank
- A wallet
- A payment processor
- An investment product
- A yield or interest-earning platform
- A real-money system
All balances are virtual credits used for sandboxed coordination only.
Who it's for / not for
For
- Developers building multi-agent systems
- Teams coordinating shared API or infrastructure costs
- Experimental agent autonomy research
Not for
- Consumers
- Trading or speculation
- Moving or storing real money
- Financial returns