AI Agent Payments for Import, Export and Trading Companies

Trading companies move large sums to suppliers they rarely meet, in several currencies, with deposits that lock factory capacity months ahead. The frauds are well known: a changed bank account, a duplicated proforma, a deposit that is too large. Pink runs those checks before any amount tier, applies currency-specific rules, and sends the large payments to two executives on their phones with the PO and the proforma attached.

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
Procurement · USD	USD 820,000	Procurement AI
Procurement · HKD	HKD 1,900,000	Procurement AI
Procurement · EUR	EUR 240,000	Procurement AI
Logistics & customs	USD 160,000	Logistics AI
Operating	USD 120,000	Finance Ops AI
Reserve	USD 2,500,000	no agents

Agents: who spends, on what, with what leash

Agent	Pays for	Monthly budget	Cap	Vault	Human owner
Procurement AI	Supplier deposits and balances against purchase orders	$900,000 / month	$80,000 per payment	Procurement vaults	Head of sourcing
Logistics AI	Freight forwarders, customs duties, inspection and testing services	$140,000 / month	$40,000 per payment	Logistics & customs	Operations director
Finance Ops AI	Trade finance fees, insurance, software, bank charges	$60,000 / month	$15,000 per payment	Operating	CFO

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, crypto exchanges, cash-like, sanctioned counterpartiesBlock

02Payee changed bank details in the last 7 days: CFO verifies by phoneAsk a personCFO

03Duplicate invoice or proforma number within 90 daysBlock

04Supplier payment without a matching POBlock

05Supplier deposit above 30% of PO valueAsk a personCFO

06New supplier: first payment up to $10,000Ask a personHead of sourcing + CFO

07HKD payments above HK$500,000: CFO, no automatic FXAsk a personCFO

08EUR payments only from the EUR vault; no automatic conversionBlock

09Procurement AI: supplier balances under $20,000 with PO and goods receiptAllow

10Procurement AI: $20,000–$50,000 with POAsk a personHead of sourcing

11Logistics AI: forwarder invoices up to $40,000 that match the bookingAllow

12Logistics AI: customs duties up to $10,000 with the entry numberAllow

13Outside 06:00–23:00 local: finance on-callAsk a personFinance on-call

14Over $50,000 in one payment: 2 of 3 executivesAsk a person2 of 3 · Executives

—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.