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Archer

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The AI Business Bank. Let Agents Move Your Money.

Spring 2026Founded 20264 peopleNew York, NY, USA
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AI insightcan contain mistakes
Agent-Controlled SpendingSaaSB2B companies with spend automation needsMedium competition
Moat
Proprietary financial controls and agent integration; regulatory expertise; treasury integration.
Key risk
Regulatory scrutiny around agent financial authority; fraud risk high; incumbent banking platforms adapting.
Why now
AI agents moving into production; companies need safe spending guardrails; rewards spend growing.
Competitors
Brex, Divvy, Spendesk, Ramp

About

Archer is the AI business bank that gives companies AI agents capable of spending, moving, and managing money on their behalf. Businesses use Archer to deploy agents with budgets, permissions, and financial controls that can automatically take action when important events occur. Our flagship use case is rewards. Companies use Archer to automatically send personalized gifts, food, merchandise, experiences, and other rewards across onboarding, referrals, sales, customer success, partnerships, and employee milestones. We believe rewards are just the beginning. The same infrastructure that allows agents to purchase and send rewards today will allow businesses to automate incentives, payroll, invoice payments, commissions, treasury management, revenue routing, vendor payments, and every other financial workflow inside their company. As agents gain more context from CRMs, product data, Slack, Linear, Notion, internal systems, and APIs, they become capable of understanding what is happening across a business and taking financial action automatically. Our vision is simple: businesses won't tell employees how to move money. They'll tell agents what they want to accomplish. Agents will handle the work. Archer will moves the money.

Founders ยท 2

Benjamin Nguyen
Benjamin NguyenFounder
Columbia๐ŸŽ“ Columbia University

Co-founder, CEO at Archer (YC P26). Previously COO at Absinthe Labs, where he built go-to-market strategies from the ground up. BA in Operations Research from Columbia University.

Vivek Yanamadula
Vivek YanamadulaCo-Founder
AmazonColumbia๐ŸŽ“ Columbia University

Co-founder, CTO @ Archer | Ex-AWS, B.A./M.S. CS @ Columbia University

B2BFinance and AccountingArtificial IntelligenceCrypto / Web3FinanceNeobank

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