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Give each agent its own wallet or share a wallet between agents. Balances held in wallets are FDIC-insured1 through partner banks. Wallets present a single USD balance. Deposits and withdrawals settle over ACH from a linked bank account, and agents interact with one balance and one API.

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Example use cases

  • Pay - Moving money on behalf of consumers
  • Request - Requesting money from counterparties
  • Treasury management agents - Optimizing yield and liquidity
  • Escrow agents - Holding funds securely until conditions are met

1 Natural is a financial technology company, not an FDIC-insured depository institution. FDIC deposit insurance covers the failure of an insured depository institution. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Deposits in Wallet accounts are FDIC-insured through Column N.A., Member FDIC, and Column’s Sweep Program Network Banks.