Banking That Pays You Back
Earn 4-12% APY on your money—fiat, stablecoins, and crypto. Whether you're running a startup or managing personal wealth. Automated across 7 blockchains. One platform.
Every Dollar Earning, Every Day
Choose your yield strategy—or let our AI agents optimize everything automatically. Fiat, stablecoins, and crypto all generating returns in one platform.
Fiat Yield
Perfect for: Operating expenses, payroll reserves
Stablecoin Yield
Perfect for: Short-term treasury, working capital
Crypto Treasury Yield
Perfect for: Long-term holdings, treasury diversification
See the Difference
Same balance. Massively different returns.
Set It. Forget It. Earn.
Whether you're managing company treasury or personal wealth, earning yield has never been easier.
Set It
Deposit your funds—fiat, stablecoins, or crypto. Choose your risk preferences, or let our AI pick the best strategy for you.
Forget It
Our AI agents monitor 50+ protocols across 7 chains 24/7, automatically finding the best rates and rebalancing your portfolio.
Earn
Watch your balance grow. Earnings compound daily, and you can withdraw anytime—no lock-ups, no penalties.
No minimum balance · No lock-up periods · Withdraw anytime
One Inbox. Every Payment Method.
Accept payments from anywhere—crypto, cards, bank transfers, international wires—all aggregated into one unified dashboard. Your agents automatically route, convert, and optimize every transaction.
Powered by HTTP 402 protocol for agent-to-agent micropayments. Your AI agents can pay for services automatically—enabling true machine-to-machine payments.
Payment Methods
Supported Blockchains (7 Chains)
Accept payments from 7 blockchains and traditional payment methods. Works with all wallet types.
Crypto & Fiat
Accept USDC, USDT, ETH, BTC + traditional payments in one platform
Smart Routing
Agents automatically choose the cheapest, fastest route for every transaction
Unified Ledger
One balance, multiple sources. All payments reconciled automatically
Auto-conversion
Crypto to fiat, automatic on deposit. Always get paid in your preferred currency
Accept everything. Manage one balance.
Your customers pay their way. You get paid the best way.
Crypto-native with fiat convenience
Let agents optimize every transaction fee
Your AI Yield Optimizer
Set it and forget it. Our Yield Agent works 24/7 to maximize your returns, monitor risks, and compound earnings—all automatically.
Find Best Rates
Monitors 50+ protocols across 7 chains to find the highest APY
Auto-Rebalance
Automatically moves funds to maximize returns as rates change
Risk Monitoring
Tracks protocol health, TVL changes, and smart contract risks
Smart Alerts
Notifies you of rate changes > 1% or risk threshold breaches
Compound Rewards
Automatically compounds earnings to maximize long-term growth
Custom Allocation
Maintains your preferred risk/return balance automatically
How the Yield Agent Works
Monitor
Scans 50+ protocols across 7 chains for best rates
Analyze
Evaluates risk, liquidity, and protocol health
Optimize
Automatically moves funds to maximize returns
Report
Daily reports on earnings and optimizations
Available on Orbit and Warp plans · No setup required · Cancel anytime
Integrated Platform Features
Everything you need to run your financial operations
Smart Invoicing
Send, track, and automate invoices. Get paid faster with smart reminders and multi-currency support.
Automated Accounting
Automated bookkeeping, reconciliation, and expense categorization. QuickBooks and Xero integration.
Multi-chain Payments
Accept crypto and fiat payments across multiple chains. One unified balance, multiple payment methods.
Agent Marketplace
Deploy AI agents to automate payments, manage subscriptions, optimize routes, and handle complex workflows.
What's Next: The Complete Financial OS
We're building the complete agentic financial platform. Yield is just the beginning.
Every feature is powered by AI agents that work 24/7—from earning yield to paying employees to filing taxes. Your entire financial OS, automated.
Q4 2025
Launching Q4 2025
AI Yield Optimization
Earn 4-12% APY automatically across 7 blockchains
- •Multi-chain yield farming
- •Auto-rebalancing
- •50+ protocols monitored 24/7
Corporate & Personal Cards
Physical and virtual cards for all your spending
- •Bank-grade security
- •Multi-currency support
- •Real-time expense tracking
Treasury Management
Manage company and personal funds in one platform
- •Payment aggregation
- •7 blockchain networks
- •Unified dashboard
Agentic Invoicing
AI Invoice Agent creates, sends, and follows up automatically
- •Smart payment reminders
- •Multi-currency invoicing (fiat + crypto)
- •Recurring billing automation
- •402 protocol for agent-to-agent payments
- •Payment link generation
- •Auto-reconciliation with accounting
- •"Set it and forget it" invoice management
Agentic Payroll
AI Payroll Agent handles employee payments automatically
- •Contractor payments (domestic & international)
- •Multi-currency payroll (fiat or crypto)
- •Tax withholding and reporting
- •Benefits administration
- •Time tracking integration
- •Automated pay schedules
- •402 protocol for service payments
- •Compliance across all 50 states
Agentic Accounting
AI Accounting Agent does your bookkeeping 24/7
- •Real-time expense categorization
- •Financial statement generation (P&L, Balance Sheet, Cash Flow)
- •Bank reconciliation (automatic)
- •Multi-entity support
- •Integration with QuickBooks, Xero
- •402 protocol for data feed payments
- •Monthly close automation
- •Audit-ready reports
Agentic Tax Preparation
AI Tax Agent prepares and files taxes automatically
- •Quarterly tax estimates
- •Annual tax filing (federal & state)
- •Sales tax tracking and filing
- •1099 generation and distribution
- •R&D tax credit identification
- •402 protocol for service automation
- •Tax optimization strategies
- •Year-round tax planning
The Complete Agentic Financial Platform
We're not just a bank. We're building AI agents that run your entire financial operations—invoicing, payroll, accounting, and taxes. All automated. All agentic. All in one platform.
Powered by HTTP 402 protocol for true agent-to-agent micropayments. Your AI agents can pay for services automatically—from API calls to data feeds—enabling a truly agentic economy.
Replace your entire finance stack · For startups and individuals · One platform, one login, one AI team
Know Your Agent, Trust Your Automation
Every AI agent on Pagga goes through rigorous KYA (Know Your Agent) verification. Get detailed reports on agent behavior, compliance status, and risk assessment—just like KYC, but for your automation.
Real-time Agent Monitoring
Track every agent action with detailed audit logs and compliance reporting.
Compliance Tracking
Automated compliance checks for every automated action with regulatory-ready reports.
Risk Scoring
AI-powered risk assessment with anomaly detection and suspicious activity alerts.
Audit Trails
Complete transaction history for all agent activities with exportable reports.
Agent Compliance Report
VERIFIEDEvery agent. Every action. Fully audited.
Sleep better knowing your automation is compliant
Regulatory-ready agent reporting
From routing payments to tax calculations, track everything
Ready to Start Earning?
Join the waitlist for early access. Be among the first to earn 4-12% APY on all your money.
No credit card required · Early access launching Q4 2025
Frequently Asked Questions
Everything you need to know about Pagga
Join the Waitlist
Be among the first to experience agentic finance. Early access starts Q4 2025.
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