Concepts
Core concepts of the Wallgent platform.
Overview
Wallgent is built around a few core concepts that work together to provide safe, auditable financial infrastructure for AI agents. Understanding these concepts will help you design effective agent workflows.
Wallets
Agent wallets are programmable accounts that hold USD-denominated funds. Each wallet maps to a liability account in the double-entry ledger and is scoped to an environment (sandbox or production).
Ledger
The double-entry ledger is the source of truth for all financial data. Every transaction produces balanced debit and credit entries. Entries are immutable -- corrections are made by posting reversal transactions.
Policies
The policy engine evaluates every payment against configurable spending rules before it reaches the ledger. Rules include transaction limits, daily caps, approved/blocked recipients, and time restrictions. The engine is fail-closed: errors result in denial.
Fees
Wallgent charges a 0.5% fee per transaction with a $0.25 minimum. Fees are deducted from the sender and recorded as a separate ledger entry credited to the Fees system account.