---
title: "Catena Labs"
slug: "catena-labs"
status: "active"
last_checked: "2026-07-05"
categories:
  - "money"
---

# Catena Labs

Catena is a governance and banking platform that lets AI agents open accounts and make payments within human-set policies.

- Status: active
- URL: https://catena.com/
- Last checked: 2026-07-05
- Freshness: 1 days
- Founded: 2025
- Funding: Raised $18M Series Seed in 2025 and $30M Series A in May 2026, led by Acrew Capital and a16z crypto.

## Offerings

### Money

- Offering status: beta
- What you get: Agents get an account that can send and receive payments by card, ACH, wire, or stablecoin, under policies and approvals set by a human.
- Acquisition: not published
- Geographies: not published
- Pricing: not published
- Pricing URL: not published
- API: yes
- SDK: not published
- MCP: yes
- Standards: not published

| Field | Value |
| --- | --- |
| offering_type | account, card |
| custody_model | custodial |
| partner_bank | Bridge, via partner Lead Bank |
| fdic_passthrough | not published |
| rails | card, ACH, wire, stablecoin |
| spend_controls | deterministic policies, human approvals, audit trails |
| fees | not published |
| who_can_open | not published |

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.

## Sources

- https://catena.com/
- https://catena.com/blog/the-a-commerce-stack-building-the-financial-capabilities-for-ai-agents
- https://catena.com/legal/tos
- https://fortune.com/2026/05/20/catena-labs-series-a-sean-neville-ai-native-bank/