Each customer signs their own mandate inside the bank's signed rules, and the bank holds the proof of both.
For Heads of payments, digital and open banking at banks, payment institutions and fintechs, and the teams building the agents.
Visa went live with agent-initiated purchases across Europe in July 2026, and the product team at every bank asked the same question the next morning. Compliance gave the same answer: not until somebody can say what the agent may pay, for whom and who said so.
One bank we interviewed put it plainly: when the business says let us go with agentic payments, compliance stops it, "because there are no clear controls". The control they mean is old. It is a mandate: the customer's own limit, signed by the customer, inside the bank's own ceilings.
Stategram makes that mandate something a machine has to obey. The bank signs its ceilings once, and each customer signs their own copy with the means the bank already accepts. Every payment carries a permit that names both. When a customer disputes a payment, the bank answers with a receipt instead of a log.
Each customer signs a copy of the payment permission, with a limit per payment, a monthly total and a confirmation every so often.
The bank's limits apply whatever the customer signed, and lowering a ceiling never makes anyone sign again.
Above the mandate the agent asks the customer, and nothing is counted until they answer.
Every payment lists the bank's rules and the customer's copy it ran under, and the bank checks it without us.
Each customer signs their own copy of the payment permission within these limits. The example shows the bank's half. An example written for this page, with round numbers. It uses only what the policy format has today, and it is not a customer's policy.
Inside the rules the agent acts alone. Above a line, the named person decides. Every change to the numbers is a new signed version.
Two weeks, a fixed fee, your limits and a named approver, and the method to do the next workflow yourself.
We will email you to find a time for a 25-minute walkthrough with the founder. No slides, no sales script.
Pick a time in the founder's calendar, or tell us about your agent first.