Two small card-shaped robot mascots walking a path through a warm pixel-art valley

Guarded bankingwith AI agents

Your agent holds real accounts, pays real people, and stops at limits only you can change.

Open an accountBuild on Perflo

It does the work.You make the rules.

Claude
Send $200 home on the 1st, every month

perflo · list_send_permissions

toPriya, saved
per payment$200 cap
left on grant$300 of $500
verdict: within your limits

perflo · pay_recipient

Sent to Priya. Confirmed, in her account in 4 seconds.
Done
sent$200.00
fee$0.14 flat
next runAug 1
Standing order · active

One account,four surfaces

Everything your agent can touch, and the shape of what it can never do. Keep scrolling; the stack is the tour.

Real accounts in nine currencies

Anyone can pay into them: a salary, a client, a friend. What your agent pays back out stays inside a standing permission you set once.

ACHUSDSEPAEURFaster PaymentsGBPUPIINRPixBRLSPEIMXNBre-BCOPUAE transfersAEDLocal transferAUD
Max per paymentof ₹8,00,000

₹40,000

The most your agent can send to someone on its own. Drag it. This is the whole interface.

Powered byJ.P. MorganEreborZand Bank

Give it a card. Not your card.

A virtual dollar card of its own, spendable at ordinary merchants. You put the money on it, and the plaintext number never enters a Perflo system. One daily limit covers every card on the account.

perfloUSD card

•••• •••• •••• 4821

Ad spend$1,240.00

Its own number, never yours. Freeze it in a tap.

Pay for the call, not the month

Your agent buys the one search, the one thread, the one transcript. 525 services, priced by the record. Nothing to subscribe to, nothing to cancel.

Google$0.05YouTube$0.05Twitter$0.0085GitHub$0.06Spotify$0.06Reddit$0.02Google Maps$0.02Airbnb$0.05Upwork$0.05Twitch$0.06Telegram$0.10+514more services

Settles over x402 · USDC

It does more than move money

Point it at yield, trading or prediction markets once the account works. Each plugin runs under the same caps as everything else, checked before it signs.

Yield · Morpho

Earns on cash it is not using, from the day it lands.

≈4.3% APY

Trading · Hyperliquid

Positions inside a leverage ceiling it cannot raise.

Up to 3× within your ceiling

Predictions · Polymarket

One position at the size you allowed. Cash out any time.

30% min win probability

The path everypayment takes

An orange card mascot carries $1,200 through a Perflo checkpoint gate; the amount, payee and frequency are checked, you approve above your auto-send limit, and the money reaches Alice's house

  1. 01Agent asks

    Payment request created

  2. 02Request received

    Perflo captures the details

  3. 03Guardrails check

    Limits, payee rules and policy run first

    can refuse

  4. 04You approve if needed

    For new payees, or outside your auto-send rules

    can refuse

  5. 05Money moves

    Bank transfer sent to the payee

    verified
What holds underneath
  • Agents never hold a key
  • Your key is sharded
  • Nothing spends twice

Keys are sharded, agents never hold one, and no payment can be signed twice.

Activity log
  • Request received$1,200 quoted10:32
  • Policy check passedInside every cap, payee on the list10:32
  • Held for youOver the $500 line10:32
  • Payment settled$1,200 settled10:33
  • RefusedNew payee, not on the list10:41
Built on regulated rails
FINTRAC, Canada
partner registered
SOC 2 Type II
in progress
ISO 27001
in progress
PCI DSS
in assessment

Money movement, identity verification and payouts run with regulated partners in each market.

You stay in control. Always.

Anyone can hand an AI money. The difference is what happens when something goes wrong.

The Perflo mascot holding up a gold coin
With Perflo
  • It can never overspend. There's a limit.
  • New payees wait for your approval.
  • Big payments wait for your OK.
  • One switch stops it instantly.
  • Every action lands in the log.
  • It never sees your card digits.
  • Worst case: a blocked payment.
Without
  • It can overspend.
  • It can pay anyone new.
  • Big payments just go.
  • No way to stop it mid-flight.
  • No record of what it did.
  • It holds your real card number.
  • Worst case: money gone.
Open an account
0

local payment methods it can pay out over

0

currencies you can be paid in

0+

countries you can send to and be paid from

0

services it can pay for by the call

It works whereyou already do

1,000+ connections via Composio. Your agent reads the invoice in Gmail and pays it from Perflo.

StripeQuickBooksXeroPayPalShopifySquareRampBrexMercuryRazorpayStripeQuickBooksXeroPayPalShopifySquareRampBrexMercuryRazorpay
GmailNotionSlackGoogle SheetsGranolaGoogle DriveLinearAirtableDocuSignTypeformGmailNotionSlackGoogle SheetsGranolaGoogle DriveLinearAirtableDocuSignTypeform

Flows that run ontheir own rails

Each one moves money and stops at the limits you set. Four live today, the rest in build.

Five card-shaped robot mascots doing little jobs along a pixel-art path

Payment Collector

live
USD · ••4021
open
today
+$4,200

Anyone can pay in. It reconciles each one.

FX Manager

live
USD · held
$18,400
EUR · held
€9,200

Converts at your target, not the day's mood.

Idle Cash Sweeper

live
idle · earning
$5,000
rate
4.1% a year

Back on demand, the day you need it.

Tax Set-Aside

live
spendable
$1,800
tax · 25%
$600

Set aside before you can spend it.

Supplier Payer

in build
Acme Ltd · SEPA
$2,400
Beacon Co · FPS
$900

The week's bills, paid on one tap.

Payroll Runner

in build
Ana · São Paulo
R$6,200
Ravi · Bengaluru
₹1,80,000

Each in their own currency, same day.

Invoice Chaser

in build
Inv 204 · Acme
$2,400
followed up
3 today

Chases politely. Never moves money.

Card Issuer

in build
Design · Figma
$50 / mo
Agent · APIs
$20 / day

A card per job, its own limit each.

Capital Manager

in build
credit line
$300,000
drawn now
$45,000

Draws below your buffer, repays as paid.

Tax Filer

in build
collected
$8,400
pays HMRC
Oct 31

The quarter's VAT, filed on time.

Community and partners

Very rarely do I see a company doing agentic payments to this level. It can be a one-stop shop for us.
The Plaid teamPlaid
“It's like having a pocket accountant. I don't have to worry about it.”
Adrian KhooReap
“Honestly the first opportunity I've had where it's an agentic payments use case.”
Sam KaminskyCoinflow Labs
“A lot better than the current platforms we use. We're being completely honest.”
The Currency Solutions teamCurrency Solutions
“Give AI agents payment capabilities. Perfect for Claude Code workflows.”
HarshOctober.dev
“Where payments are going right now is mind-blowing. This is the future of finance.”
Jeff HaleMesh
Settles with
J.P. MorganEreborZand BankSEPAPixAlipayWeChat Pay