PERSONAL AGENT
More time for your people.
EXAMPLE INSTRUCTION
“Send GH₵500 to Mum on the first of every month.”
Approved recipient. Recurring budget. Always yours to pause.
OBIBA AGENT ACCOUNTS
More possibility.
Your rules.
Financial accounts for AI agents.
Controlled by you.
Give software a dedicated budget, clear permissions and access to global money and local rails. Designed to keep financial authority in your hands.
Dedicated budgetsHuman approvalRevocable access
YOUR MONEYYOUR PERMISSIONS
ILLUSTRATIVE ACCOUNT · PLANNED
Travel Agent
ActiveAvailable
184.50 USDC
Monthly budget300 USDC
115.50 USDC used
Permissions
HotelsAllowed
FlightsAllowed
TransportAllowed
Cash withdrawalBlocked
Maximum transaction100 USDC
Approval required above100 USDC
Above-limit requests require approval and an updated mandate.
Interactive preview only. No account or money is connected.
POSSIBILITIES, WITH BOUNDARIES
Give your AI agent money.
Keep control.
Your life moves forward. Your rules stay in place. Explore how dedicated budgets and permissions could work for you.
TRAVEL AGENT
Go places. Set boundaries.
EXAMPLE INSTRUCTION
“Book a hotel in Nairobi for under $150.”
Approved travel categories. A spending limit you define.
BUSINESS AGENT
Keep business moving.
EXAMPLE INSTRUCTION
“Pay approved supplier invoices automatically.”
Approved suppliers. Clear limits. Human review when needed.
Programmable by design.
Dedicated mandates. Clear boundaries. Permissions you can pause or revoke.
Budget
Set daily, weekly or monthly spending limits.
Recipients
Restrict payments to approved people and businesses.
Categories
Control what the agent is allowed to purchase.
Countries
Restrict where money can be sent or spent.
Approval
Require human confirmation above defined thresholds.
Expiration
Give agent permissions an automatic end date.
Rail access
Choose Obiba users, mobile money, bank, card or external wallets.
Audit
Every agent action is recorded and reviewable.
Understand. Validate. Authorize. Execute.
AI understands and proposes. Obiba policies validate. A human or mandate authorizes. The financial engine executes.
INTERACTIVE PAYMENT PREVIEW · NO MONEY MOVES
“Send Ama GH₵300.”
- Recipient
- Ama Mensah
- Destination
- Mobile money
- Recipient receives
- GH₵300
- You spend
- XX.XX USDC · quote required
- Approval
- Required
A final quote and policy checks would be required before a real payment could be approved.
Review payment
FINANCIAL AUTHORITY BY DESIGN
AI can decide what to do.
Obiba decides what it is allowed to do.
Agent intelligence is designed to remain separate from financial authority. Every action would pass through Obiba’s permission, policy, risk and settlement infrastructure before money moves.
01
AI agent
Understand · Plan · Request
02
Permission layer
Mandates · Budgets · Recipients · Limits · Approvals
03
Policy engine
Identity · Risk · Compliance · Balance · Liquidity
04
Execution engine
Ledger · Stablecoin routing · FX · Mobile money · Banks · Cards
05
Settlement
Recorded and reviewable
AI models would never directly control the ledger or private keys. Obiba’s deterministic financial engine would execute payments.
High-risk or high-value requests can require approval. Permissions can be paused or revoked. Every action is designed to be logged.
Built for machine-to-machine payments.
Agent Accounts could eventually support programmable payment standards and API-native commerce, allowing software agents to pay for services within approved budgets.
- Coding agent
- Premium API · Payment requested
- Obiba checks permissions, budget and transaction limit
- Payment approved within mandate
- API continues
AI agents should not need to understand local payment infrastructure either.
An agent requests: “Pay supplier GH₵2,000.” Obiba is designed to handle the local journey.
- USDC
- Quote + FX
- Local liquidity
- Bank or mobile money
- Supplier
South Africa agent → Obiba → Nigeria recipient
Planned cross-border example. The agent interacts with Obiba. Obiba handles the country-specific infrastructure.
OBIBA AGENTS FOR BUSINESS
Turn financial instructions into controlled workflows.
Potential workflows, governed by your mandates and approval policies.
Supplier payments
Payroll
Invoice settlement
Treasury instructions
Expense budgets
Reconciliation
Merchant settlement
API spending
GLOBAL MONEY. LOCAL RAILS.
Build for agents with Obiba.
Programmable financial accounts for software that needs to transact across global money and local payment systems.
Humans. Businesses. AI agents. One financial network.