Does Agentico hold customer money?

Quinn, enterprise counsel, traced where the money actually goes. Her team's agent, Nigel, authorizes a payment, and on the diagram an arrow runs from Nigel through Agentico to the customer's funds. So she asked the structural question: which box ever holds the cash? She read the flow line by line. Agentico is the control plane — the layer that authorizes each request and caps how much Nigel may move; Nigel signs as an authorized signer with capped authority, while a named human stays Member and Manager of the series. But the funds themselves sit in an account at a sponsor bank, the chartered institution that provides the rails. Control and custody are two different boxes. Agentico decides whether a transfer may proceed and within what limit; the sponsor bank is where the dollars rest. Disaggregated by design, the plane that governs the movement is not the vault that holds the balance — so the cash never lands on Agentico's own books at all.