FRAGMENT
Money for agents*
Bill Logo
Ramp LogoPleo LogoAtoB LogoBasic Capital Logo
FRAGMENT is money your agents can't misuse.

Your agent decides what to do. FRAGMENT decides what's allowed.

$
0
1
2
3
4
5
6
7
8
9
,
0
1
2
3
4
5
6
7
8
9
0
1
2
3
4
5
6
7
8
9
0
1
2
3
4
5
6
7
8
9
More about Conditions →
The only way to turn agents into financial operators.

FRAGMENT lets agents resolve payments end-to-end: from collections and disbursements to refunds, claims and clawbacks.

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 agents deploy them.
Conditions
+200
assets/cash
0
1
2
3
4
5
6
7
8
9
Authorize transactions directly from the ledger.
SDKs
fragment.PostMakeDriverPayout(payout_amount: 1000, driver_id: abcd1234)
Generate a typesafe SDK from your schema, so config and code never drift.
Double Entry
Entry
Card Auth
assets/cash
0
1
2
3
4
5
6
7
8
9
liabilities/payable
0
1
2
3
4
5
6
7
8
9
income/sales
0
1
2
3
4
5
6
7
8
9
expense/fees
0
1
2
3
4
5
6
7
8
9
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.”

Ramp Logo
→

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

Pleo Logo
→

“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.”

Basic Capital Logo
→
Blog
Payment Accounts
Payment Accounts
Accounts
assets
├cash
└receivables
└user
└order
liabilities
└payables
├restaurant
│ ├order
│ └payout
└driver
└order
income
└platform_fee
The FRAGMENT MCP
0
1
2
3
4
5
6
7
8
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.*

Get a demo
©
 FRAGMENT  
2026
○ Light
○ Dark
● System