What is agent-native banking?

Agent-native banking is a financial infrastructure designed for AI agents to autonomously execute banking operations on behalf of businesses.

Unlike traditional banking APIs that require human approval for each transaction, agent-native banking provides programmatic access through protocols like MCP (Model Context Protocol) that let AI assistants initiate payments, check balances, categorize expenses, and manage cash flow without manual intervention. This means a founder can instruct their AI assistant to pay an invoice, and the agent handles the entire flow from verification to execution. Lovie's agent-native banking integrates directly with Claude, ChatGPT, and other AI assistants, allowing founders to manage their company finances conversationally rather than through traditional banking interfaces.