FRAGMENT
Payments for agents*
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Turn agents into financial operators.

With guaranteed correctness, agents can monetize all the refund, reversal, collection, claims and clawback flows they used to hand off to humans.

Card Pay-in
Amounts
Members
Refunds
Users
Amounts
Members
Refunds
Users
Amounts
Members
Refunds
Card Pay-in
*
Card Pay-in
More about Payment Accounts →
The control plane for your financial code.
Schemas
Wire Pay-in
Merchants
Wire
3 Entries
USD
ACH Pay-out
Vendors,Partners
ACH
2 Entries
EUR
Payment
Card Pay-in
Customers,Guests
Card
2 Entries
USD
ACH Pay-in
Employees
ACH
4 Entries
USD
Wire Pay-out
Suppliers
Wire
2 Entries
GBP
Model your payment flows as a double-entry ledger.
MCP
Payment
*
Card Pay-in
Customers,Guests
Card
2 Entries
USD
Let agents read and write payments through MCP.
Scenarios
Scenarios
Refund
Card Pay-in
Authorize
Reverse
ACH Pay-out
Payout
Queue
ACH Pay-out
Settle
Transfer
Lock
Wire Pay-out
Wire Pay-in
Reconcile
Simulate payment flows before you deploy them.
Conditions
+200
assets/cash
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Authorize transactions directly from the ledger.
Typesafe SDKs
fragment.PostMakeDriverPayout(payout_amount: 1000, driver_id: abcd1234)
Generate an SDK from your schema, so config and code never drift.
Double Entry
Entry
Card Auth
assets/cash
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liabilities/payable
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income/sales
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expense/fees
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Every transfer balanced. Every balance correct.
Customers

“FRAGMENT is the control plane for our coding agents. The agent decides what to do. FRAGMENT decides what's allowed.”

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→

“FRAGMENT's the system of record for all our historical balances. It's one of the two or three core systems in our stack.”

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→

“The thing that would’ve taken a year or two at Square took a month at Basic Capital. Engineering velocity is a huge unlock that’s directly attributable to FRAGMENT.”

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→
Blog
Payment Accounts
Payment Accounts
Accounts
assets
├cash
└receivables
└user
└order
liabilities
└payables
├restaurant
│ ├order
│ └payout
└driver
└order
income
└platform_fee
The FRAGMENT MCP
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9
Building Balances II: High-throughput writes
Money is Multiplayer
Money is Multiplayer
Changelog
Jul
FRAGMENT MCP Server
Jun
Roles & Permissions
May
Small Improvements
Apr
Strongly Consistent Parent Balances
Mar
Line Tags
Feb
Repeated Entry Lines

our money on autopilot.*

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 FRAGMENT  
2026
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