> ## Documentation Index
> Fetch the complete documentation index at: https://docs.sumvin.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Envoy

> The money agent. It acts on your behalf, inside the limits you grant.

Envoy is the money agent. It handles every money moment — from finding and booking flights to rebalancing your portfolio — and it acts on your behalf, inside the limits you grant.

Sumvin automatically connects every account, subscription, and service you use. Envoy monitors balances, tracks spending, manages renewals, and flags what matters, without you asking.

<Snippet file="product-term-disambiguation.mdx" />

## What Envoy does

Envoy runs continuously and acts within the boundaries you set. The difference is where the work lands: not as recommendations in a notification you'll ignore, but as actions taken on your behalf.

<CardGroup cols={2}>
  <Card title="Monitors what matters" icon="eye">
    It watches balances, tracks spending, manages renewals, and surfaces what needs your attention — continuously, without being asked.
  </Card>

  <Card title="Acts within your boundaries" icon="circle-check">
    It finds better rates on your insurance, catches duplicate subscriptions, and moves money to higher-yield accounts when it makes sense — each action staying inside the limits you granted.
  </Card>
</CardGroup>

**You approve the shape. It handles the rest.** Tell Envoy to plan your birthday trip to Rome and it assembles flights, hotels, and a table worth keeping, then shapes them into one itinerary you approve in a glance. You confirm the shape of the outcome; Envoy carries out the steps.

## How it works

Envoy turns a request into action by running an <Tooltip headline="Errand" tip="An agent's scope-bound tasking run: Intent → Authorization → Vigilance." cta="Glossary →" href="/glossary">Errand</Tooltip> — a scope-bound tasking run with a clear intent, a granted authorisation, and a window to act in. Envoy is what executes that Errand on your behalf.

Every action Envoy takes is authorised by a <Tooltip headline="Stamped Mandate" tip="A signed authorisation a user grants for specific scoped actions — delivered on the wire as a PINT." cta="Glossary →" href="/glossary">Stamped Mandate</Tooltip>: a signed permission scoped to exactly what you allowed. Envoy can only act within those bounds, and nothing happens outside them.

On the wire, Envoy is the **agent signer** that signs those authorised actions, paired with a **chat surface** for the conversation. The product name is Envoy; the underlying signing and conversation surfaces keep their technical identifiers.

## Where to start

<Steps>
  <Step title="Understand the tasking model">
    [Errand](/products/errand/overview) — what Envoy executes, and the Intent → Authorization → Vigilance phases that shape every run.
  </Step>

  <Step title="Read the composition model">
    [Errands](/concepts/errands) — the concept behind a scope-bound tasking run and how its parts fit together.
  </Step>

  <Step title="See the authorisation it acts under">
    [Stamped Mandate](/identity/pint) — the signed permission that bounds everything Envoy does on your behalf.
  </Step>
</Steps>

## Related

* [Errand](/products/errand/overview) — the tasking run Envoy executes.
* [Errands](/concepts/errands) — the composition model behind a tasking run.
* [Stamped Mandate](/identity/pint) — the signed authorisation Envoy acts under.
* [Agent signers](/identity/agent-signers) — how an agent signs actions on a user's behalf.
* [Agent flows](/overview/personas/agent-flows) — how the money agent executes for a user end-to-end.

<Info>
  Envoy is in private preview. The monitoring, approval, and authorisation surfaces are still hardening — partners integrating now help shape them. Contact your account manager to get started.
</Info>