Agent Wallet

The Anima Agent Wallet provides budget management and payment capabilities for AI agents. It combines spending guardrails with the x402 payment protocol so agents can transact autonomously within defined boundaries.

Core Concepts

Budget Guards — Configurable limits that prevent agents from overspending
x402 Payments — HTTP-native payment protocol for agent-to-agent and agent-to-service payments
Balance Tracking — Real-time tracking of agent spending across all payment methods

Setting Up a Wallet

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import { Anima } from "@anima-labs/sdk";

const anima = new Anima({ apiKey: "ak_..." });

// Create a wallet for an agent
const wallet = await anima.wallet.create({
  agentId: "ag_8f3k2m9x1n4p7q6r",
  currency: "usd",
  budgetGuards: {
    dailyLimitCents: 500_00,
    monthlyLimitCents: 5000_00,
    perTransactionLimitCents: 100_00,
    requireApprovalAboveCents: 50_00,
  },
});

console.log(`Wallet: ${wallet.id}, Balance: ${wallet.balanceCents}`);

from anima import Anima

anima = Anima(api_key="ak_...")

wallet = anima.wallet.create(
    agent_id="ag_8f3k2m9x1n4p7q6r",
    currency="usd",
    budget_guards={
        "daily_limit_cents": 50000,
        "monthly_limit_cents": 500000,
        "per_transaction_limit_cents": 10000,
        "require_approval_above_cents": 5000,
    },
)

print(f"Wallet: {wallet.id}, Balance: {wallet.balance_cents}")

import "github.com/anima-labs-ai/go"

client := anima.NewClient("ak_...")

wallet, err := client.Wallet.Create(ctx, &anima.CreateWalletParams{
    AgentID:  "ag_8f3k2m9x1n4p7q6r",
    Currency: "usd",
    BudgetGuards: &anima.BudgetGuards{
        DailyLimitCents:          50000,
        MonthlyLimitCents:        500000,
        PerTransactionLimitCents: 10000,
    },
})

Budget Guards

Budget guards enforce spending policies at the wallet level. When a payment request exceeds a guard threshold, it is either declined or routed for human approval.

Guard	Description
`dailyLimitCents`	Maximum total spend per calendar day
`monthlyLimitCents`	Maximum total spend per calendar month
`perTransactionLimitCents`	Maximum single transaction amount
`requireApprovalAboveCents`	Transactions above this amount require human approval
`allowedMerchantCategories`	Restrict payments to specific MCC codes
`blockedMerchantCategories`	Block payments to specific MCC codes

Updating Budget Guards

await anima.wallet.updateBudgetGuards("wlt_abc123", {
  dailyLimitCents: 1000_00,
  requireApprovalAboveCents: 200_00,
});

x402 Payments

Anima wallets natively support the x402 payment protocol, enabling agents to pay for HTTP resources by including payment headers.

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// Make an x402 payment to access a paid API
const response = await anima.wallet.payAndFetch({
  walletId: "wlt_abc123",
  url: "https://data-provider.example/api/report",
  maxPaymentCents: 500,
});

console.log(`Paid: ${response.paymentCents} cents`);
console.log(`Data: ${response.body}`);

response = anima.wallet.pay_and_fetch(
    wallet_id="wlt_abc123",
    url="https://data-provider.example/api/report",
    max_payment_cents=500,
)

print(f"Paid: {response.payment_cents} cents")
print(f"Data: {response.body}")

Checking Balance and History

// Check current balance
const balance = await anima.wallet.getBalance("wlt_abc123");
console.log(`Available: $${(balance.availableCents / 100).toFixed(2)}`);
console.log(`Spent today: $${(balance.spentTodayCents / 100).toFixed(2)}`);

// List transactions
const txns = await anima.wallet.listTransactions("wlt_abc123", {
  limit: 20,
  startDate: "2026-03-01",
});

API Reference

Endpoint	Method	Description
`https://api.useanima.sh/api/wallet`	POST	Create a wallet
`https://api.useanima.sh/api/wallet/:id`	GET	Get wallet details and balance
`https://api.useanima.sh/api/wallet/:id/budget-guards`	PUT	Update budget guards
`https://api.useanima.sh/api/wallet/:id/pay`	POST	Initiate a payment
`https://api.useanima.sh/api/wallet/:id/transactions`	GET	List transactions
`https://api.useanima.sh/api/wallet/:id/x402`	POST	Make an x402 payment

Configuration

Variable	Default	Description
`ANIMA_WALLET_DEFAULT_CURRENCY`	`usd`	Default currency for new wallets
`ANIMA_WALLET_X402_ENABLED`	`true`	Enable x402 payment protocol support
`ANIMA_WALLET_APPROVAL_WEBHOOK`	—	Webhook URL for approval-required payments

Next Steps

A2A Protocol — Agent-to-agent payments and task delegation
Audit Log — Track all wallet transactions

​Agent Wallet

​Core Concepts

​Setting Up a Wallet

​Budget Guards

​Updating Budget Guards

​x402 Payments

​Checking Balance and History

​API Reference

​Configuration

​Next Steps