{"asOf":"2026-10-28","storesIpAddresses":false,"archetype":"agentic-finance-treasury","requestedArchetype":"agentic-finance-treasury","budgetAppliedUsd":0,"title":"3-Layer Agentic Banking, Spend Gate & Audit Ledger Stack","summary":"Merchant-locked virtual cards, x402 micropayments, pre-purchase /api/preflight gates, and cryptographic receipt verification.","estimatedMonthlyUsd":{"hobby":0,"startup":0,"scale":420},"zeroBudgetMode":true,"zeroBudgetNote":"Preserved all requested archetype capability slots using $0 free-tier / cardless / OSS SKUs.","oneLineInstallCmd":"npm install stripe @stripe/agent-toolkit @polar-sh/sdk cross-fetch @neondatabase/serverless","requiredEnvVars":["STRIPE_SECRET_KEY","STRIPE_WEBHOOK_SECRET","POLAR_ACCESS_TOKEN","JINA_API_KEY","DATABASE_URL","NEON_API_KEY"],"wiringNotes":"Gate every autonomous spend with GET /api/preflight -> authorize via Stripe Issuing virtual card -> log Countersign receipt in Neon.","slots":[{"role":"Programmable Virtual Cards & Treasury","jtbd":"agent-cards","providerId":"stripe","providerName":"Stripe","editorialOverall":8.76,"activeSku":"stripe-free-tier","paidDefaultProviderId":"stripe","paidDefaultSku":"stripe-card-processing-base","envVars":["STRIPE_SECRET_KEY","STRIPE_WEBHOOK_SECRET"],"smokeTestCmd":"curl -sS https://api.stripe.com/v1/balance -u \"$STRIPE_SECRET_KEY:\"","day2Gotcha":"Fees add up globally","whyItFits":"Per-agent merchant-locked virtual cards with hard webhook velocity caps.","decideUrl":"/api/decide?jtbd=agent-virtual-cards"},{"role":"Developer Subscription & Usage Billing","jtbd":"usage-based-billing","providerId":"polar","providerName":"Polar","editorialOverall":8.05,"activeSku":"polar-free-tier","paidDefaultProviderId":"polar","paidDefaultSku":"polar-mor-fee-base","envVars":["POLAR_ACCESS_TOKEN"],"smokeTestCmd":"curl -sS https://api.polar.sh/v1/users/me -H \"Authorization: Bearer $POLAR_ACCESS_TOKEN\"","day2Gotcha":"MoR fees higher than raw Stripe for US-only simple SaaS","whyItFits":"Merchant-of-record monetization for MCP servers and agent APIs.","decideUrl":"/api/decide?jtbd=usage-based-billing"},{"role":"Invoice & Receipt OCR Extraction","jtbd":"document-parsing","providerId":"jina","providerName":"Jina AI","editorialOverall":8.12,"activeSku":"jina-reader-free-cardless","paidDefaultProviderId":"reducto","paidDefaultSku":"jina-reader-tokens","envVars":["JINA_API_KEY"],"smokeTestCmd":"curl -sS https://r.jina.ai/https://example.com -H \"Authorization: Bearer $JINA_API_KEY\"","day2Gotcha":"No per-model price on https://jina.ai/embeddings/ (fetched 2026-10-25, HTTP 200: no $ amount anywhere in the page HTML); prices come only from GET api.jina.ai/v1/models","whyItFits":"$0 budget substitution (Jina AI free/cardless tier replacing reducto): Extracts line-item SKU rates from vendor PDFs for ledger reconciliation.","decideUrl":"/api/decide?jtbd=document-parsing"},{"role":"Immutable Ledger & Spend State","jtbd":"serverless-postgres","providerId":"neon","providerName":"Neon","editorialOverall":8.59,"activeSku":"neon-free-tier","paidDefaultProviderId":"neon","paidDefaultSku":"neon-launch","envVars":["DATABASE_URL","NEON_API_KEY"],"smokeTestCmd":"node -e 'fetch(\"https://console.neon.tech/api/v2/projects\",{headers:{Authorization:\"Bearer \"+process.env.NEON_API_KEY}}).then(r=>console.log(r.status))'","day2Gotcha":"Always use the -pooler hostname or @neondatabase/serverless HTTP driver in Vercel/Cloudflare Workers.","whyItFits":"ACID double-entry ledger storing Countersign receipts and preflight approvals.","decideUrl":"/api/decide?jtbd=postgres-vector"}],"cite":"Agent Provider Depot Blueprint (agentic-finance-treasury, as of 2026-10-28). https://getagentdepot.com/blueprints"}