Meow lets an AI agent type an organization and open a enterprise checking account by a single immediate. In April, the enterprise financial institution turned the primary to supply the move by an MCP endpoint that works in Claude, ChatGPT, Cursor, and Gemini.
From stablecoins to agentic funds
Meow co-founder and CEO Brandon Arvanaghi has labored on monetary merchandise by earlier shifts in crypto and banking. At Gemini, he helped construct GUSD, one of many first stablecoins accepted by a US regulator, in 2018.
Meow initially centered on Treasury payments. After Silicon Valley Financial institution collapsed, the then-12-person firm took in $500 million in three weeks and crossed $1 billion in belongings below administration as companies sought a safer place for his or her funds.
A publish describing Meow as a “flight to security from SVB” caught with the corporate. Its initially slim product turned the inspiration for a broader suite of banking merchandise.
Arvanaghi is now centered on agentic funds. Visa, Mastercard, and Stripe every shipped agent-payment rails inside months of each other, whereas MoonPay constructed a cost vault and card that lets an agent spend stablecoins at Mastercard retailers. Morgan Stanley initiatives agentic commerce may attain $385 billion of US e-commerce by 2030.
How brokers open and run Meow accounts
Meow constructed a banking stack that lets brokers open enterprise accounts, challenge company playing cards, transfer cash, and audit spending by an API and MCP endpoint reasonably than a dashboard. The move combines firm formation and a checking-account utility in a single immediate, topic to straightforward compliance approval.
Arvanaghi describes the product as agentic-assisted onboarding: the agent retrieves formation paperwork and completes kinds, whereas the account stays in a person’s or entity’s identify. Brokers can’t maintain accounts in their very own identify with out motion from Congress.
“We’re in that very same type of paradigm shift from bodily to cell. The subsequent goes to be like UI to no UI.”
— Brandon Arvanaghi, co-founder and CEO, Meow
Arvanaghi expects fewer folks to log into their financial institution accounts immediately as assistants tackle duties resembling dealing with calendar invitations, payments, and banking workflows.
Letting brokers select the cost rail
Somewhat than committing solely to stablecoins or conventional banking infrastructure, Meow provides accounts entry to each. Meow enterprise accounts can use Fedwire, ACH, and Swift; maintain USDC and USDT; and ship and obtain SOL, ETH, and Bitcoin.
“Brokers will determine how they should pay somebody or how they should obtain cost,” Arvanaghi says.
For Arvanaghi, stablecoins are most helpful in cross-border funds reasonably than on a regular basis US purchases. He factors to multinational companies that want US {dollars}—whether or not in a US account or held as stablecoins—in addition to creator payouts, microtransactions, and cross-border enterprise funds.
“I do not know if I imagine within the concept of individuals shopping for espresso with stablecoins within the US. Individuals like their money again.”
— Brandon Arvanaghi, co-founder and CEO, Meow
Agentic funds on Solana
Meow builds the account layer, whereas cost protocols on Solana are constructing methods for brokers to pay for providers. These protocols can allow an agent to make a 1–2 cent stablecoin cost for a single API name and not using a key or account.
The Solana Basis’s pay.sh is one agent-payments gateway engaged on this mannequin. Arvanaghi expects brokers to place sustained stress on financial-services margins by repeatedly evaluating suppliers and phrases.
Take heed to the total dialog
This text attracts from a dialog with Brandon Arvanaghi on Bits to Bricks. Take heed to the full episode for the dialogue on Meow, agentic banking, stablecoins, and cost rails.
