Catena Labs
Catena is a governance and banking platform that lets AI agents open accounts and make payments within human-set policies.
MoneyBeta
Agents get an account that can send and receive payments by card, ACH, wire, or stablecoin, under policies and approvals set by a human.
- Offering type
- account, card
- Custody model
- custodial
- Partner bank
- Bridge, via partner Lead Bank
- FDIC passthrough
- not published
- Rails
- cardACHwirestablecoin
- Spend controls
- deterministic policies, human approvals, audit trails
- Fees
- not published
- Who can open
- not published
- Integration
- API, MCP
Gotchas
- Catena is not itself a bank; USD accounts are held and operated by Bridge and its partner Lead Bank, per Catena's terms of service.
- Catena has applied for a national trust bank charter from the OCC, which was still pending as of May 20, 2026.