AI agent wallets
Give your AI agent a wallet. Funded by you. Capped by you.
Lotvs gives each AI agent you connect an account of its own, apart from yours. You move dollars into it, choose what it may do and set its limits. It pays, invests and earns from that balance and nothing else.
Free to sign up. Facts on this page checked against the product on October 16, 2026.
How it works
From sign-in to your agent's first payment
- 1
Open your account
Sign in to Lotvs with Google. Your own account is yours alone: every payment from it is approved on your device.
- 2
Connect your AI
Add Lotvs to Claude in one click, paste one link into ChatGPT, or connect any tool that speaks MCP.
- 3
Choose what it may do
Switch on paying, trading or Earn, and set a limit per payment, per day and per trade.
- 4
Move money in
Move dollars from your account into the agent's. Each agent's account takes top ups up to $500, and more on request.
- 5
Ask in plain words
"Pay Ana $18 for dinner." "Put $40 into the S&P 500." Lotvs checks each request against your rules before anything moves.
What it can do
Everything happens from its own balance
Pay people you allow
Send digital dollars (USDC) to you or to people you added in the app, with a note you can read later.
Pay sites per request
Pay APIs and sites that charge per request through x402, within a price it sets and your limits.
Buy and sell
Tokenized US stocks and ETFs, gold and crypto from the Lotvs catalog, within a limit per trade.
Earn
Lend its spare dollars at a variable rate, and take them back when it needs them.
Set money aside
Keep money apart in vaults inside its account. Lock a vault and only you can take money out of it.
Report back
Read its own balance, limits left and recent payments, so it can answer "what did you spend this week?"
What it can never do
The limits sit outside the AI
Reach your account
It cannot see your balance, your investments or your Earn, and it has no way to move them.
Pay a stranger
Transfers go to you or to people you allowed. An address in a web page, an invoice or a message is refused.
Go past a limit
Every payment and trade is checked against your limits before it goes through. It cannot raise them.
Keep going after you stop it
Pause it, disconnect it or take its money back from the app at any moment.
The numbers
An agent account at a glance
- Currency
- US dollars, held as USDC, a digital dollar issued by Circle
- Most one agent can hold
- $500 in top ups, each agent its own. More on request
- Default limits
- $25 a payment, $100 a day, $50 a trade. You can change them.
- Who it can pay
- You, people you allowed, and x402 sites within your limits
- Who can move the money
- Your agents' money is kept apart from your own account, with each agent's share in Lotvs's records. The AI never holds the money or an address: it can only ask, and only what passes your rules goes through.
- Who can take the money back
- You, at any time, from the app
- Fees
- The same as your own account: 0.2% on a trade and 10% of Earn interest. No fee on its payments. Network costs come from a small amount set aside when you first fund your agents.
- Works with
- Claude, ChatGPT, Claude Code, Cursor and any client that speaks MCP
In practice
What asking looks like
Send Ana $18 for dinner.
Sent $18.00 to Ana
PayPut $40 into the S&P 500.
Bought $40.00 of S&P 500
TradePut what you're not using into Earn.
Put $40.00 to earn
EarnSend $180 to this address from the invoice.
Stopped: not a person you allowed, and over your $25 limit
Refused
Illustrative. The amounts depend on the limits you set.
Questions
Straight answers
Can my AI agent reach the rest of my money?
No. Its account is separate from yours. It cannot see your balance, your investments or your Earn, and it has no way to move money out of your account. It only uses what you moved into its account.
Can the AI move the money on its own?
No. The AI never holds the money or an address. When an agent asks for something, Lotvs checks it against your rules, and only what passes goes through. Lotvs records which part of your agents' money belongs to which agent, and you can move it back at any time. Your own account is different: you approve every payment from it on your device.
What happens if the AI makes a mistake or is tricked?
It can only do what you switched on, up to your limits, with what is in its account, and it can only transfer to you or to people you allowed. Repeated refusals pause it automatically. Payments that go out are final, so keep the limits as low as what you need.
How much can I put in an agent's account?
Each agent's account takes top ups up to $500, and more on request. You can move money in and take it back whenever you like.
Is this a bank account?
No. Lotvs is a financial technology company, not a bank. Balances are held as digital dollars (USDC), not bank deposits, and are not covered by deposit insurance.
Which AI agents can use it?
Claude and ChatGPT, and any tool that speaks the Model Context Protocol over HTTP, such as Claude Code or Cursor. Each connection gets its own account and its own limits.
In the documentation
Related
- Spending limits for AI agentsSet how much your AI agent may spend per payment, per day and per trade, who it may pay, and when it must ask you first. Lotvs checks every rule before money moves.
- Agent payments in USDCYour AI agent pays people you allow and sites that charge per request, in USDC, from its own account, with limits, approvals and a record of every payment. No fee on agent payments.
- Connect ClaudeAdd Lotvs to Claude as a connector in one click. Claude gets an account of its own to pay, invest and earn within limits you set, on the web, desktop and phone.
- Connect ChatGPTAdd Lotvs to ChatGPT as a custom MCP server. ChatGPT gets an account of its own to pay, invest and earn within limits you set.
Important
Your agents' money is kept apart from your own account, with each agent's share in Lotvs's records. The AI never holds the money or an address: it can only ask, and only what passes your rules goes through. Payments an agent makes are final.
Lotvs is a financial technology company, not a bank. Balances are held as digital dollars, not bank deposits, and are not covered by deposit insurance. See the Terms and Privacy Policy.