Meow lets an AI agent form a company and open a business bank account through a single prompt. In April, the business bank became the first to offer the flow through an MCP endpoint that works in Claude, ChatGPT, Cursor, and Gemini.
From stablecoins to agentic payments
Meow co-founder and CEO Brandon Arvanaghi has worked on financial products through earlier shifts in crypto and banking. At Gemini, he helped build GUSD, one of the first stablecoins approved by a US regulator, in 2018.
Meow initially focused on Treasury bills. After Silicon Valley Bank collapsed, the then-12-person company took in $500 million in three weeks and crossed $1 billion in assets under management as businesses sought a safer place for their funds.
A post describing Meow as a “flight to safety from SVB” stuck with the company. Its initially narrow product became the foundation for a broader suite of banking products.
Arvanaghi is now focused on agentic payments. Visa, Mastercard, and Stripe each shipped agent-payment rails within months of one another, while MoonPay built a payment vault and card that lets an agent spend stablecoins at Mastercard merchants. Morgan Stanley projects agentic commerce could reach $385 billion of US e-commerce by 2030.
How agents open and run Meow accounts
Meow built a banking stack that lets agents open business accounts, issue corporate cards, move money, and audit spending through an API and MCP endpoint rather than a dashboard. The flow combines company formation and a checking-account application in one prompt, subject to standard compliance approval.
Arvanaghi describes the product as agentic-assisted onboarding: the agent retrieves formation documents and completes forms, while the account remains in an individual’s or entity’s name. Agents cannot hold accounts in their own name without action from Congress.
“We're in that same kind of paradigm shift from physical to mobile. The next is going to be like UI to no UI.”
— Brandon Arvanaghi, co-founder and CEO, Meow
Arvanaghi expects fewer people to log into their bank accounts directly as assistants take on tasks such as handling calendar invites, bills, and banking workflows.
Letting agents choose the payment rail
Rather than committing solely to stablecoins or traditional banking infrastructure, Meow gives accounts access to both. Meow business accounts can use Fedwire, ACH, and Swift; hold USDC and USDT; and send and receive SOL, ETH, and Bitcoin.
“Agents will decide how they need to pay someone or how they need to receive payment,” Arvanaghi says.
For Arvanaghi, stablecoins are most useful in cross-border payments rather than everyday US purchases. He points to multinational businesses that need US dollars—whether in a US account or held as stablecoins—as well as creator payouts, microtransactions, and cross-border business payments.
“I don't know if I believe in the idea of people buying coffee with stablecoins in the US. People like their cash back.”
— Brandon Arvanaghi, co-founder and CEO, Meow
Agentic payments on Solana
Meow builds the account layer, while payment protocols on Solana are building ways for agents to pay for services. These protocols can enable an agent to make a 1–2 cent stablecoin payment for a single API call without a key or account.
The Solana Foundation’s pay.sh is one agent-payments gateway working on this model. Arvanaghi expects agents to put sustained pressure on financial-services margins by continuously comparing providers and terms.
Listen to the full conversation
This article draws from a conversation with Brandon Arvanaghi on Bits to Bricks. Listen to the full episode for the discussion on Meow, agentic banking, stablecoins, and payment rails.