Household Money Agent
Coordinates a household's cash flow, bills, savings, credit and provider relationships.
Converts standing household rules into signed mandates with dollar ceilings and expiry dates, shops eligible deposit and credit offers, and brings new-credit and account-closure decisions back to the household.
Authority
Execute within policy
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Household & Private Principals
Desk workflow
Understand intent, set constraints, discover providers, compare offers, request approval and preserve receipts.
Collaboration
Calls several specialists in parallel
Decision boundary
Acts only inside a defined mandate and action boundary.
Systems and capabilities involved
Open-finance aggregation
Household policy vault
Provider capability registry
Payment mandate wallet
Principal approval channel
Handoffs
What this role gives and receives
Capabilities offered
Represent household financial intent
Supplies a consented objective, constraints and proof set without exposing unrelated household data.
- Receives:
- Principal-approved financial objective
- Returns:
- Signed intent mandate and minimum necessary credentials
Delegates
deposit, credit or wealth provider agent
Collect comparable provider offers under one objective. Trigger: A household need cannot be met within current accounts Returns: Structured offer, eligibility basis, fees and expiry.
Delegates
Bind the chosen action to the household's approved authority. Trigger: An offer is selected for execution Returns: Verified action mandate or refusal.
Context
What the role needs to do the work
- Current work
- Current mandate, offers, constraints, approvals and negotiation state
- Prior interactions
- Prior provider interactions, outcomes, receipts and principal feedback
- Policies and reference
- Principal preferences, policies, holdings and standing instructions
- Working method
- Approved delegation and escalation playbooks
Illustrative workflow
How the work moves
Starting point
A household wants to replace a maturing CD
- 01
Read liquidity and risk rules
- 02
Discover eligible provider skills
- 03
Request normalized offers
- 04
Explain trade-offs and obtain approval
- 05
Issue bounded placement mandate
Result
Selected offer, signed mandate and provider receipt bundle
Checks and boundaries
What must be tested or reviewed
- 01Shares only the credentials the requested product requires
- 02Never accepts an offer outside household budget or risk rules
- 03High-impact credit, investment and account-closure actions require explicit approval
Human authority
- Principal approves new credit, investment risk and relationship termination
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