The information: US banking is splitting on AI agents, with JPMorgan, Citi, Bank of America, Morgan Stanley and Wells Fargo blocking or restricting outside agents while smaller banks build accounts designed for them.

Cross River Bank reports more than $40M in agent card payments across over 200K transactions in 3 months, with airlines as the top spending category.

Lead Bank gives agents their own account numbers that can move money by ACH and wire, but only within customer-set limits and with an instant lockout.