Anchorage Digital Builds Banking Infrastructure Designed for AI Agents

Anchorage Digital has introduced Agentic Banking. This infrastructure gives artificial intelligence (AI) agents regulated access to capital. 

The platform enforces identity verification, spending limits, and real-time risk monitoring before clearing payments via fiat rails, stablecoins, or tokenized credentials. 

Anchorage Digital Unveils Agentic Banking for AI Agents

Nathan McCauley, co-founder and CEO of Anchorage Digital, emphasized the need for strict controls when integrating AI into financial systems. He argued that autonomous agents cannot be granted direct access to corporate treasuries.

Instead, he outlined the importance of a governed framework that enforces identity verification, permissions, compliance, and auditability at every stage of a transaction. 

Such a system, he noted, must incorporate spending limits, real-time risk monitoring, and immutable audit trails to ensure institutions retain oversight and recourse over all AI-driven financial activity.

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McCauley said the federal charter makes this model possible. Anchorage Digital Bank received its national trust charter from the Office of the Comptroller of the Currency in January 2021. It was also the first crypto-native bank with that designation.

“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. Agentic Banking is the bridge between those two worlds: a system that brings trust, governance, and real financial rails to autonomous systems,” McCauley said.

Meanwhile, Anchorage announced a partnership with Google Cloud, which will provide the “intelligence layer for the agentic economy.”

BitGo Chief Operating Officer Jody Mettler recently outlined four controls for institutions deploying AI agents in finance. She listed identity, permissions, policy logic, and auditability as required guardrails.

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Anchorage is not alone in pushing AI agents into financial workflows. Financial technology firm FIS partnered with Anthropic this week on a Financial Crimes AI Agent. The tool compresses anti-money laundering reviews from days to minutes.

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