The Regulated Foundation for Agentic Finance

Built for trust.

AI agents are entering the financial system. Without proper governance, that's a risk.

With the right infrastructure,
it's an opportunity.

Catena is creating a financial institution purpose-built for AI agents — combining a technology platform with a national trust bank to create the first regulated banking environment where agents transact safely under human-defined policies.

We're not bolting AI requirements onto a legacy platform. We're building from the ground up: deterministic policy enforcement, immutable audit trails, and verifiable agent identity. All within a regulatory framework designed for durability.

Why a Bank

Fintech platforms route money. Banks hold it, govern it, and stand behind it.

Agents operating at scale need more than APIs. They need an institution accountable for the integrity of every transaction. Catena is pursuing a national trust bank charter because the agentic economy deserves the same regulatory foundation that underpins the rest of the financial system.

National trust bank charter

Pursuing OCC-regulated charter status to provide direct, governed banking for agents.

Policy-first architecture

Every agent action flows through deterministic policies before execution. No exceptions.

Immutable audit trail

Complete observability on every agent intent, evaluation, and execution. Built for regulators and operators alike.

Partner-backed today, bank-backed tomorrow

Operating through regulated partners now, transitioning to direct banking when chartered.

Team

Building the AI economy.

We're a team of engineers, designers, data scientists, finance professionals, and AI agents creating financial infrastructure and services that will transform the global economic system.

Sean Neville (CEO) and Matt Venables (CTO) founded Catena. Our team has experience co-founding Circle, inventing USDC, and building products at Brex, Affirm, Adobe, Meta, PayPal, Block, Airbnb, Airwallex, and others.

Backed by leading investors