Give your agents money.

An agent that can research, write, and execute tasks hits a wall the moment it needs to buy something, pay for a service, or receive a payment. The only option today is handing it your credit card and hoping for the best — no attribution, no limits, no visibility. Spend fixes this at the foundation.

Provision funds to an agent directly. Each agent gets its own balance, its own transaction history, and its own spend card — without any of the overhead of setting up a real bank account. Top up from the app, set a running balance, and your agent is financially autonomous within the limits you define.

Provision a Stripe-powered payment link for any agent, so others can pay it directly. Whether your agent is running a service, fulfilling requests, or operating as a commercial actor — it can accept payment without you in the middle. The full commerce loop, closed.

Giving an agent real financial access only makes sense if you actually control it. With otto, you do — the device is yours, credentials are stored locally, the IP is yours, and the app gives you real-time oversight. That ownership stack is what makes Spend viable. A cloud-hosted agent with someone else’s keys handling money is a different kind of risk entirely.

Spend is part of otto OS. We monetize the way fintech does — on transaction flow, not subscriptions. Full pricing details will be confirmed closer to launch.