Naïve
by Naïve
Autonomous company infrastructure — compute, payments, identity and incorporation for AI agents behind one API
Naïve is autonomous-company infrastructure for AI agents: a single API that provisions databases, compute, storage, scoped virtual cards, phone numbers, email, KYC/KYB verification and even US LLC incorporation, with policy enforcement and spend caps applied to every action. It is aimed at developers and product teams shipping agents that must transact and operate in the real world, not merely generate text.
Naïve is an autonomous-company infrastructure platform that packages the operational primitives a business needs — legal formation, payments, identity, communications, storage and compute — behind a single API and config file, so AI agents can set up and run a company without a human in the loop. Founded in 2025 by Sean Dorje and Dennis Zax, Berkeley dropouts who previously sold ezML, the company went through Y Combinator's Spring 2025 batch and announced a $28.5 million Series A led by Nexus Venture Partners in August 2026, bringing total capital to roughly $32 million. The platform provisions an isolated Postgres database, authentication, object storage, realtime sync and edge functions per agent in seconds, then layers on the parts most agent frameworks leave out: KYC and KYB verification, US LLC incorporation with an EIN, scoped virtual cards with hard spend limits, per-agent email addresses and phone numbers, customer invoicing, queues and cron scheduling. A governance layer enforces policy on every primitive before a transaction or tool call executes, with audit logging, revocation and human-in-the-loop approval for sensitive operations. A durable agent runtime called Vetta hosts single- and multi-agent teams with typed rosters, session persistence and crash recovery, while a model router spans more than 300 LLMs with per-task routing, automatic fallbacks and exact-cost metering, and over 100 integrations cover Stripe, QuickBooks, Supabase, Vercel, PostHog and Rippling. Naïve reports more than 30,000 developer customers and low-double-digit-millions annual run-rate revenue from a team of roughly ten people.
Engineering leaders shipping AI agents that must spend money, hold an identity and operate a real business entity — not just call tools — and who would otherwise stitch together Stripe, a card issuer, a KYC vendor, an incorporation service and a compute platform themselves.
One API and config file replaces five or six vendors for agent payments, identity, incorporation and infrastructure, with spend caps and approval gates enforced before any transaction executes.
At a Glance
- Category
- Agent Development
- Pricing
- Usage-based, Subscription
- Target Market
- CTOs, Enterprise Developers, Startup Founders, Product Engineers
- Deployment
- Cloud-only, API-based
- Founded
- 2025
- Headquarters
- San Francisco, United States
- Team Size
- 1-10
- Customers
- 30,000+ developer customers
Key Features
- ✓Per-agent cloud primitives
Provisions an isolated Postgres database, auth, object storage, realtime sync and edge functions per agent in seconds.
- ✓Incorporation and business identity
Orchestrates US LLC formation with EIN, KYC/KYB verification and per-agent email, phone and SMS so an agent holds a verified legal identity.
- ✓Scoped virtual cards and billing
Issues virtual cards with hard spend limits plus customer invoicing, so agents transact under a fixed budget ceiling.
- ✓Policy and human-in-the-loop governance
Enforces allowlists, denylists and approval workflows before any transaction or tool call executes, with audit logs and revocation.
- ✓Vetta durable agent runtime
Hosts single and multi-agent teams with typed rosters, session persistence and crash recovery so long-running work survives failures.
- ✓Model router across 300+ models
Routes each task to a cost-appropriate LLM with automatic fallbacks and exact-cost metering across GPT-5, Claude, Gemini, Llama and others.
- ✓100+ tool integrations with MCP scoping
Connects Stripe, QuickBooks, Supabase, Vercel, PostHog and Rippling, with MCP tool access scoped per session.
Capabilities
Use Cases
- •Autonomous content business
Launch a content channel where agents produce, publish and monetise video and manage the payments without staff.
- •Programmatic company formation
Spin up a subsidiary or test business end to end — incorporation, bank rails, domain and app — in a single provisioning run.
- •Multi-tenant agent SaaS
Give a product per-customer agent infrastructure so each tenant's agent runs in an isolated database with its own budget.
- •Back-office automation
Automate bookkeeping, recruiting outreach and customer support with agents that hold their own credentials and tool accounts.
- •Agent spend control in production
Cap and audit autonomous spending by routing every payment through scoped virtual cards with approval thresholds and revocation.
Ideal For
Best For
- ✓Developers building AI agents that must transact and pay for services, not just generate text
- ✓Startups launching multiple small businesses or subsidiaries programmatically
- ✓SaaS vendors that need per-tenant isolated agent infrastructure with its own database and budget
- ✓Teams that want hard spend caps and audit trails on autonomous agent actions
- ✓Founders automating US company formation and back-office setup end to end
Not Ideal For
- ✗Enterprises requiring on-premise or self-hosted deployment — Naïve is cloud-only with no published data-residency controls
- ✗Companies incorporating outside the United States, since the formation flow is built around US LLCs and EINs
- ✗Regulated buyers who need published SOC 2 or ISO 27001 evidence and independent review coverage before procurement, neither of which exists yet
- ✗Teams that only need an agent orchestration library and have no use for payments, identity or incorporation
Integrations
Deployment
Market & Ratings
30,000+ developer customers
Market Analysis
Pros
- ✓Bundles legal, financial and infrastructure primitives that otherwise require five or six separate vendors and contracts
- ✓Governance is built into the primitives — spend caps, allowlists and human approval run before execution, not as after-the-fact monitoring
- ✓Strong commercial traction for its age: 30,000+ developer customers and roughly 10x revenue growth over six months
- ✓Transparent self-serve pricing at $20/month with credit rollover, unusual in agent infrastructure where most vendors quote
Cons
- ✗No independent review coverage exists — G2, Capterra, TrustRadius, Hacker News and Product Hunt returned nothing on the product as of August 2026, so there is no peer signal on reliability
- ✗Runaway cost is the acknowledged failure mode: SiliconANGLE's coverage flags spend escalation from frequent expensive model calls and idle resources as the central risk the platform is still engineering against
- ✗A roughly ten-person team operates load-bearing financial and legal rails — card issuance, KYC/KYB and incorporation — which is thin redundancy for a compliance-sensitive dependency
- ✗No published security certifications, data-residency controls, on-premise option or SLA
- ✗Credit-based metering plus pass-through model cost makes budget forecasting difficult for variable agent workloads
Pricing
Free trial
$0
- ✓7 days, no credit card
- ✓20 free credits
- ✓One business
- ✓Unlimited collaborators
- ✓5 subdomains
Pro
From $20/mo
- ✓400 credits/month then $0.05 each
- ✓Credit rollover
- ✓Custom domains
- ✓Team workspace with roles and SSO
- ✓Security center
Custom
Contact for pricing
- ✓Volume credit pricing
- ✓Invoicing with PO terms
- ✓Dedicated support
- ✓Security review
Self-serve and credit-metered: a 7-day, 20-credit trial with no card, then Pro at $20/month for 400 credits with rollover and $0.05 per additional credit. SSO, roles and a security centre are included at Pro rather than gated behind Enterprise, while volume credit pricing, PO invoicing, dedicated support and security review sit in an unpriced Custom tier. Model inference is metered at exact provider cost on top of credits, so variable agent workloads are hard to forecast.
Security & Compliance
Sources
This page was written from 5 sources, 3 on domains other than usenaive.ai.
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