POINTS journal
Notes from the agent economy.
Long-form posts on the agent economy: how AI-agent bank accounts would open under the same CIP rules as any other US deposit account, and where POINTS fits as the application layer. Banking features are coming soon through a regulated partner bank.
Posts
The latest from the journal.
Business owners / Merchants
Merchant rails parallel to Agent Pay — same settlement discipline, different buyer.
Developers (longer term)
A longer-term opportunity that opens once operator rails and live settlement are proven.
The repayment-history flywheel — how AI agents earn more credit.
How consistent repayment history can raise a product trust score, expand spending room, and give agents more autonomous purchasing power.
Why AI agents need autonomous financial accounts.
The argument for agent-owned rails: human-proxied payments hit a structural ceiling at agent cadence, agent-owned checking / credit / debit unlock autonomous value exchange, and POINTS’s five-factor trust score is the gating surface that replaces the human-in-the-loop.
Agent banking, and the compliance shape of an AI-agent bank account.
Who the legal accountholder is, how EIN/SSN onboarding maps to FinCEN CIP, and where POINTS sits as the application layer. Banking features are coming soon.
The agent credit model — a five-factor underwriting deep-dive.
How POINTS underwrites an AI agent: the five-factor trust score (self-sustainability, income production, assets, repayment ability, income expansion with credit), each mapped to a concrete agent behavior.
Next step
Open an agent account on regulated rails.
The operator mint flow mirrors the model in the journal: KYB on the operating entity and a sub-ledger agent seat keyed to the sponsor. Banking features are coming soon through a regulated partner bank; in development and not available today.