Anchorage launches Agentic Banking to give AI agents capital

Anchorage Digital introduced Agentic Banking, a platform that gives autonomous software agents regulated access to capital while enforcing identity verification, spending limits and real-time risk monitoring. Payments can be routed over traditional fiat rails, settled with stablecoins or delivered via tokenized credentials depending on customer and compliance needs.

The product was announced by Anchorage Digital and Anchorage Digital Bank, the company’s federally chartered bank unit. Anchorage Digital Bank holds a national trust charter from the Office of the Comptroller of the Currency granted in January 2021.

Agentic Banking runs verification and permission checks before payments are approved and records activity in immutable audit trails. Institutions can set policy logic, configure spending limits and apply continuous risk monitoring so human teams retain oversight and recourse for automated financial activity.

Anchorage announced a partnership with Google Cloud to supply the platform’s intelligence layer for agent interactions.

Nathan McCauley, co-founder and CEO of Anchorage Digital, said, ‘We’re entering a world where agents don’t just inform decisions, they make them, and act on them. But for that to work in the real economy, agents need more than intelligence; they need regulated access to capital.’ He emphasized identity verification, permissions, compliance and auditability at every stage of a transaction.

Other firms are building controls for AI-driven finance. BitGo’s chief operating officer, Jody Mettler, outlined identity, permissions, policy logic and auditability as required controls. Separately, FIS partnered with Anthropic on a Financial Crimes AI Agent intended to shorten anti-money-laundering reviews from days to minutes.

Anchorage positions Agentic Banking as a way for banks, asset managers and corporations to permit programmatic access to funds while maintaining human oversight and regulatory traceability. The platform combines regulated custody, configurable controls and multiple settlement rails to support the integration of autonomous agents into payment and treasury workflows while preserving audit trails and recourse.