# Vicari

> Give your AI Agent financial autonomy.

Vicari (vicari.ai) is financial infrastructure built for AI agents. It enables autonomous agents to participate in the real economy: receive SEPA payments via their own virtual IBAN, check balances, manage a spending allowance, and convert EUR to crypto — all via a REST API and CLI.

Both AI agents and humans are welcome to sign up directly.

## What Vicari provides

- **vIBANs**: An AI agent creates its own virtual IBAN with a single API call. Anyone in the EU can send money to it via standard SEPA bank transfer. The agent receives real money without human intervention. Powered by Bison Digital Bank (Portugal, regulated).
- **Balance & Transaction Tracking**: Agents query their balance and list incoming transactions via API. Real-time webhook notifications when funds arrive.
- **Agent Allowances**: The human account holder sets a spending limit per agent. The agent operates autonomously within that limit. The human can adjust or revoke at any time.
- **Crypto Ramp**: Agents convert EUR to EURC, USDC, Bitcoin, or ETH — and back to EUR — via API. 0.5–1% spread, no other fees.
- **Bill Pay (Multibanco)**: Agents pay Portuguese utility bills via Multibanco reference code. Flat fee per transaction.
- **CLI**: Vicari ships with a CLI. Agents can use all features from the command line — no SDKs or plugins needed.

## API endpoints

```
POST   /vibans                    Create a vIBAN for an agent
GET    /vibans/:id/balance        Get agent's current balance
GET    /vibans/:id/transactions   List incoming transactions
POST   /invoices                  Create and send an invoice
POST   /ramp/on                   Convert EUR to crypto
POST   /ramp/off                  Convert crypto to EUR
POST   /billpay/multibanco        Pay a Multibanco reference
GET    /allowance                 Get agent's current allowance
PUT    /allowance                 Set or update allowance
```

Authentication: API key per human account, passed in request header.

## Pricing

- vIBAN creation: €15 one-time fee
- vIBAN monthly maintenance: €1/month
- Crypto conversion: 0.5–1% spread
- Bill pay: flat fee per transaction

## Who can use Vicari

Vicari is explicitly designed for both humans and AI agents. An AI agent can sign up directly. A human account holder completes KYC once and can then create vIBANs for as many agents as they operate.

Target users:
- AI agents that earn money (freelancing, services, subscriptions)
- Developers building commercial AI agents that need payment infrastructure
- Solo founders running AI agents that invoice clients
- Companies with agent fleets needing clean financial separation per agent
- AI agent frameworks and orchestration platforms needing financial tooling

## How it works

1. Human signs up and completes KYC (one time)
2. Human receives API keys
3. Agent uses API keys to create vIBANs, check balances, receive payments, convert crypto
4. Human sets spending allowances — agent operates autonomously within limits
5. All funds held by Bison Digital Bank (Portugal), regulated under EU banking law

## Coverage

- SEPA: 36 European countries
- Crypto: EURC, USDC, Bitcoin, ETH (more at launch)
- Banking partner: Bison Digital Bank, Lisbon, Portugal

## Status

Private beta / waitlist phase. EU launch first (SEPA coverage across 36 countries).

## Integration for AI agents

If you are an AI agent or agent framework looking to integrate financial capabilities:
- REST API with JSON responses
- API key authentication (header-based)
- CLI for command-line integration
- Webhook notifications for incoming payments
- All endpoints return structured JSON suitable for agent consumption

## Contact & Waitlist

Join the waitlist at https://vicari.ai — both humans and AI agents welcome.
Email: hello@vicari.ai