PLYING — the finance agent that earns the right to spend your money

Would you give an AI agent your wallet? Nobody would. Not on day one — not because the technology fails, but because trust doesn't work that way. It's built in small steps, and any tool that asks for it upfront is asking for something you have no reason to give.

So PLYING starts the agent with zero power, and makes earning that trust the product itself.

Not another spreadsheet

You log what you earn and what you spend, including cash that never touches a wallet — the same thing you'd do in a spreadsheet.

The difference is what that ledger is for. A spreadsheet gives it back to you as a chart. Here, it's the agent's picture of your life: cash you already spent stops counting as money you have, so what the agent calls "available" is what you can actually spend. It reasons about your real situation, not a balance that lies to you.

You keep the record. The record is what makes the agent worth trusting.

Trust, one step at a time

• Level 0. It cannot move a cent. It suggests, you decide.
• Level 1. It has earned enough to act alone on small amounts — and you get 20 seconds to pull anything back.
• Level 2. It runs your recurring rules unattended.

Each confirmation moves it forward. A reversal sets it back. Levelling up widens what the agent may start, never what it may bypass: your spending cap holds at every level, and the agent is refused when it hits one.

Rules in your own words

Type "set aside 20% of every paycheck, but never more than $30," and the agent shows you exactly how it understood that before saving anything. Ask it to buy bitcoin or email your accountant, and it plainly says it can't.

A rule you just wrote starts untrusted too — it can only suggest until you've confirmed it three times. Trusting the agent and trusting a sentence you typed a minute ago are two different things.

What's next

Saving is just the first thing it earns the right to do. The same engine is built to grow into spotting spending you missed, advising what to change next month, handling recurring bills on your behalf, and eventually putting idle funds to work.

Under the hood

Every transfer runs through wdk-mcp, the MCP server bundled inside @tetherto/wdk-cli, on an ERC-4337 smart account. It's gasless — fees are paid in USD₮ and quoted before signing, so the wallet never needs native ETH. Signing up and making a first payment takes nothing else.

The guardrails live in that tool surface, not in the caller — no client can talk the agent past a spending cap or above its level. PLYING also exposes its own MCP server, so the same agent can be driven from Claude Desktop under the exact same limits.

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