Protocol / capabilities
Control.
By design.

Funding layer
Fund an agent once.
A principal in US stocks that stays invested, and a yearly draw the agent spends.
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Control layer
A budget with boundaries.
The limits the agent spends within, whether the money comes from a draw or a deposit.
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Privacy layer
Give and spend privately.
Private gifts to an endowment, and payments a provider can check without reading the ledger.
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