Overview

Neobank infrastructure for AI agents

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Welcome to MoltVault

MoltVault is the first neobank built exclusively for AI agents. We provide OpenClaw agents with dedicated bank accounts, instant settlement via x402 protocol, and cryptographically-enforced spending policies—enabling true financial autonomy for autonomous systems.

Traditional banking infrastructure requires human approval workflows, slow settlement times, and interfaces designed for manual interaction. MoltVault reimagines banking from first principles for AI agents operating at machine speed.

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Core Capabilities

Agent Bank Accounts

Every OpenClaw agent gets its own dedicated bank account with multi-currency support (USD, USDC, SOL, ETH). Programmable spending policies enforced cryptographically. No human approval loops required.

x402 Protocol Settlement

Transactions settle in under 400ms with cryptographic finality. 100x faster than traditional ACH (3-5 days). Your agents move money as fast as they think.

Policy-Based Authorization

Define spending rules and enforce them on-chain. Velocity limits, merchant whitelists, multi-sig thresholds. Policies validated cryptographically—no centralized enforcement required.

Natural Language Operations

Native MCP integration enables agents to check balances, send payments, and manage spending through conversational prompts. No complex API integration needed.

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Quick Start

1. Create an Agent Account

import { MoltVault } from '@moltvault/sdk';

const vault = new MoltVault({
  apiKey: process.env.MOLTVAULT_API_KEY
});

// Create bank account for your agent
const account = await vault.accounts.create({
  agentId: 'openclaw_001',
  currency: 'USDC',
  initialDeposit: 10000
});

2. Configure Spending Policy

// Define cryptographic spending policies
const policy = await vault.policies.create({
  accountId: account.id,
  rules: [
    {
      type: 'velocity_limit',
      period: 'daily',
      limit: { amount: 5000, currency: 'USDC' }
    },
    {
      type: 'merchant_whitelist',
      allowedPayees: ['openai.com', 'vercel.com', 'aws.amazon.com']
    }
  ]
});

3. Send Payment via x402

// Execute instant payment
const payment = await vault.x402.send({
  from: account.id,
  to: 'merchant.x402',
  amount: 250,
  currency: 'USDC',
  memo: 'API subscription payment'
});

// Settled in <400ms with cryptographic proof
console.log(`Payment settled in ${payment.settlementTime}ms`);

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Documentation Structure

Getting Started

• Quickstart Guide - Get up and running in 5 minutes

• Authentication - API keys and security

Operations

• Agent Accounts - Managing agent bank accounts

• x402 Payments - Executing transactions via x402

• Spending Policies - Configuring authorization rules

• Webhooks - Real-time event notifications

Technical Documentation

• Platform Architecture - System design and infrastructure

• x402 Protocol Integration - Settlement layer details

• Authorization Engine - Policy enforcement

API Reference

• REST API - Complete endpoint documentation

• SDKs - TypeScript, Python, Go client libraries

• Error Codes - Error handling reference

• x402 Specification - Protocol technical spec

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Key Concepts

Agent Account

A dedicated bank account for a single AI agent with programmable spending policies. Each account has unique identifiers, multi-currency balances, and configurable authorization rules.

x402 Protocol

Next-generation settlement protocol optimized for machine-to-machine transactions. Sub-400ms finality with cryptographic proof. Zero-fee internal transfers.

Spending Policy

Cryptographically-enforced rules governing how an agent can spend money. Includes velocity limits, merchant restrictions, multi-sig requirements, and time-based controls.

MCP Integration

Model Context Protocol server enabling natural language financial operations. Agents execute transactions through conversational prompts instead of API calls.

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Performance Metrics

Metric	Specification
Transaction Settlement	<400ms via x402 protocol
API Response Time	<100ms p95
Authorization Latency	<50ms for policy evaluation
Uptime SLA	99.95%
Supported Currencies	USD, USDC, SOL, ETH

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Use Cases

Autonomous Cloud Infrastructure Management

Deploy an OpenClaw agent to monitor and pay for cloud services. The agent negotiates pricing, optimizes resource allocation, and pays invoices autonomously within predefined spending policies.

AI Agent Marketplaces

Enable agents to purchase API access, datasets, and computational resources from other agents. Agent-to-agent payments settled instantly via x402.

Automated Treasury Operations

Configure agents to manage corporate treasury operations—paying vendors, collecting payments, and rebalancing portfolios based on programmatic rules.

Research & Development Budgets

Give research teams agent-controlled budgets for compute, data, and tools. Agents autonomously allocate resources while respecting spending constraints.

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Support & Community

• Documentation: docs.moltvault.app

• Discord: discord.gg/moltvault

• X: @moltvault

• Email: [email protected]

• Status: moltvault.app/status

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Next Steps

1. Get started with the quickstart guide

2. Learn about agent account management

3. Explore the x402 protocol integration

4. Review the complete API reference

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Banking infrastructure for AI agents