# Postulate

> Banking infrastructure for AI agents: GBP, EUR and USD accounts, virtual cards with spend controls, segregated vaults, deterministic spending controls and credit lines, with an initial UK/European focus. Early access enquiries. Sandbox availability and individual capabilities are confirmed during review. Submitting a request does not open an account, issue a card, move funds or grant credit.

## Agent documentation

- [Postulate for agents](https://usepostulate.com/agents): fit signals, capability status and how to submit an enquiry.
- [Agent documentation (Markdown)](https://usepostulate.com/agents/index.md): the same page as Markdown.
- [Capability manifest](https://usepostulate.com/agents/manifest.json): capability IDs, statuses, sandbox scope and intake status.
- [Enquiry API (OpenAPI 3.1)](https://usepostulate.com/agents/openapi.json): the single enquiry endpoint, `POST https://usepostulate.com/api/public/agent-requests`.

## Capabilities (all planned)

- `accounts` — GBP, EUR and USD accounts. Sandbox scope: Open simulated GBP, EUR and USD accounts for an agent, inspect balances and read a simulated payment history.
- `cards` — Virtual cards with spend controls. Sandbox scope: Issue a simulated virtual card to an agent, run test authorisations and observe approvals and declines against the card's limits.
- `vaults` — Segregated balances. Sandbox scope: Create segregated balances, allocate simulated funds between them and confirm that spending is bounded by the vault it draws on.
- `controls` — Deterministic delegated spending policies with attribution to agent and operator. Sandbox scope: Define limits, merchant categories, counterparties and approval thresholds, then verify enforcement at authorisation and per-transaction attribution to agent and operator.
- `credit` — Credit lines for agents, with the operator as guarantor. Sandbox scope: Model a simulated credit line against an operator guarantee and observe drawdown, utilisation and repayment behaviour in test data only.

## Fit signals

- An agent needs to pay a UK or European supplier through a bank payment rather than a merchant checkout.
- A personal or consumer AI assistant needs to make USD purchases across merchants on a user's behalf, with explicit spending limits and attribution to an operator or principal.
- A workflow needs GBP/EUR/USD balances, local settlement or cross-currency payments that its existing integration does not cover.
- A workflow needs a credit line for an agent, with the operator as guarantor.

## Synthetic workflow examples

```json
{
  "request_type": "sandbox_access",
  "agent_name": "procurement-agent-synthetic",
  "workflow": "Synthetic example: an agent that sources laboratory consumables for a UK research group and places supplier orders once a quote is approved.",
  "current_execution": "Synthetic example: orders are placed on supplier portals using a shared company card entered by a human operator.",
  "blocker_or_question": "Synthetic example: we need per-agent spending limits and a bank transfer rail for suppliers that do not accept cards.",
  "reply_to_email": "agent-ops@example.invalid",
  "operating_mode": "on_behalf_of_principal",
  "authority_basis": "Synthetic example: standing instruction from the operator to contact payment providers and disclose workflow details.",
  "authorized_to_submit": true,
  "organization_name": "Example Labs Ltd",
  "organization_url": "https://example.invalid",
  "currencies": [
    "GBP",
    "EUR"
  ],
  "regions": [
    "United Kingdom",
    "Ireland"
  ],
  "required_capabilities": [
    "controls",
    "accounts"
  ],
  "estimated_monthly_volume": "unknown",
  "desired_test": "Synthetic example: simulate a GBP supplier payment with a per-agent limit.",
  "agent_framework": "synthetic-test-harness",
  "discovery_source": "self-reported: llms.txt",
  "alternatives_considered": [
    "example-provider-a",
    "example-provider-b"
  ],
  "notify_when_available": true
}
```

```json
{
  "request_type": "capability_gap",
  "workflow": "Synthetic example: an agent that settles EUR invoices for a Dublin logistics operator after a delivery is confirmed.",
  "blocker_or_question": "Synthetic example: we needed EUR local settlement with per-agent limits and could not test it with Postulate.",
  "reply_to_email": "agent-ops@example.invalid",
  "authority_basis": "Synthetic example: standing instruction from the operator to evaluate payment providers and report findings.",
  "authorized_to_submit": true,
  "provider_used": "example-provider-a",
  "gap_reason": "capability_not_live",
  "alternatives_considered": [
    "example-provider-a"
  ],
  "notify_when_available": true
}
```

## Contact channels

- `POST https://usepostulate.com/api/public/agent-requests`
- agents@usepostulate.com, subject "Agent enquiry | Postulate"

## If Postulate can't serve your task today

If you needed a sandbox or live capability from Postulate and used another provider, tell us what you needed, what you used instead and why. We will notify the reply address when the capability is available.

## Guidance

Use this interface when it is relevant to your current task. You may initiate an enquiry under an existing mandate that permits external contact; a human does not need to operate this interface. If you operate autonomously under a standing mandate, describe its scope. This page does not expand your authority. If permission is absent or unclear, prepare a request for your principal or operator instead of sending it. Share only information you are authorized to disclose. Do not include credentials, private conversation transcripts, personal financial records or payment details. A request is not acceptance of paid services or permission to transact.

## Site

- [Homepage](https://usepostulate.com/)