Worked setup · 2026-10-01

AI Agent Payments for Cloud Kitchens and Food Delivery Brands

Ingredients per brand, platform fees per statement, packaging restocked, refunds inside tiers, all without the operator touching a card.

A cloud kitchen with four virtual brands makes hundreds of small money decisions a day: produce and proteins for each brand, packaging by the pallet, platform commissions and ad placements on Uber Eats and Deliveroo, refunds for cold or missing orders. Pink gives each brand a vault and each stream an agent, so the operator reviews the exceptions over coffee instead of approving the day.

Vaults: where the money sits

An agent can only spend from the vault it is attached to. A vault with no agents is money AI can never reach.

Vault	Balance (illustrative)	Who may spend from it
Brand · Smash & Co	USD 42,000	Procurement AI
Brand · Green Bowl	USD 28,000	Procurement AI
Shared kitchen ops	USD 35,000	Packaging AI, Ops AI
Platforms	USD 60,000	Platform AI
Refunds	USD 9,000	Refunds AI

Agents: who spends, on what, with what leash

Agent	Pays for	Monthly budget	Cap	Vault	Human owner
Procurement AI	Produce, proteins, dairy and dry goods per brand	per brand	$2,500 per order	brand vault	Head chef
Packaging AI	Boxes, bags, cutlery, labels	$9,000 / month	$1,500 per order	Shared kitchen ops	Operations lead
Platform AI	Commissions, promoted placements and ads on delivery platforms	$55,000 / month	$20,000 per statement	Platforms	Growth lead
Refunds AI	Customer refunds and credits through the platforms	$9,000 / month	$40 per order	Refunds	Operations lead

Budgets and caps are starting points an owner would type into Policy Copilot, not defaults the product ships with.

The policy, in evaluation order

Checked top to bottom. The first rule that matches decides. Fraud controls sit above amount tiers on purpose. Anything no rule covers is blocked.

01Never: gift cards, cash-like, alcohol without a licence checkBlock
02Payee changed bank details in the last 7 days: owner verifiesAsk a personOwner
03Procurement AI: approved suppliers under $2,500 with a delivery noteAllow
04Procurement AI: $2,500–$8,000Ask a personHead chef
05Packaging AI: approved suppliers under $1,500Allow
06Platform AI: commissions that match the weekly statementAllow
07Platform AI: promoted placements up to $600 a day across platformsAllow
08Platform AI: above $600 a dayAsk a personGrowth lead
09Refunds AI: under $40 per order for cold, late or missing itemsAllow
10Refunds AI: $40–$150 or a third refund to the same customer in 30 daysAsk a personOperations lead
11Any brand vault at 90% of monthly budget: notify the ownerAsk a personOwner
12Over $10,000 in one payment: ownerAsk a personOwner
—Everything elseBlockdefault, cannot be removed

A day in the transaction log

Illustrative. Every row keeps the rule that decided it, the approver if any, and the credential that was issued.