Updated weekly · last sweep Nov 8, 2026 · next Sunday, Nov 15, 2026
As of November 2, 2026, 4 banks have partnered with Sierra Poppy (Personal Agent Protocol). Partnered with Bank of America, Wells Fargo, Synchrony and BBVA.
Each of the 4 relations below carries a verbatim quote, the date of the earliest public evidence and its source: 3 distinct sources, 1 of them a bank's or a vendor's own statement and the rest press reports of a statement or a decision.
Separately, 15 banks and fintechs block or restrict third-party AI agents in statements that cover outside agents in general; those rows are on the third-party AI agents page. Third-party AI agents →
THE AGENTA draft open standard (OAuth, JWT, MCP) for personal agents such as Meta's Muse to identify themselves to a business, obtain the customer's scoped consent and act through a sanctioned connection instead of the customer's password; banks join as design partners. launch source: Sierra ↗
What has each bank said about Sierra Poppy?
| Bank | Relation | Since | Quote and detail | Source | Last checked |
|---|---|---|---|---|---|
| Bank of Americaits AI agents → | Partnered | Oct 9, 2026 | “today we're publishing a draft of Personal Agent Protocol, known as Poppy, and announcing an additional 35 design partners: Adyen, Atomic, Bank of America, BBVA, Chime, Cigna, Cloudflare, Comcast, DIRECTV, ElevenLabs, FOX, Gap Inc.”Bank of America is a named design partner on the draft Personal Agent Protocol (Poppy) from Sierra and Meta: a standard (OAuth/JWT/MCP) for personal agents such as Meta's Muse to identify themselves, obtain customer permission and act within parameters the company sets. Design-partner status, not a live integration. | Sierra ↗Oct 9, 2026 · primaryAmerican Banker ↗ | 2026-10-31 |
| Wells Fargo | Partnered | Oct 9, 2026 | “Mutual, Mastercard, Nordstrom, Notion, Okta, OneSignal, OpenAI, PayPal, Plaid, SiriusXM, Synchrony, Target, United Airlines, Venmo, Visa, Wells Fargo, Zapier, Zendesk, and 1Password.”Wells Fargo is a named design partner on the draft Personal Agent Protocol (Poppy) from Sierra and Meta: a standard (OAuth/JWT/MCP) for personal agents such as Meta's Muse to identify themselves, obtain customer permission and act within parameters the company sets. Design-partner status, not a live integration. | Sierra ↗Oct 9, 2026 · primaryAmerican Banker ↗ | 2026-10-31 |
| Synchronyits AI agents → | Partnered | Oct 9, 2026 | “Inc., GEICO, Hertz, Insurify, Klaviyo, Liberty Mutual, Mastercard, Nordstrom, Notion, Okta, OneSignal, OpenAI, PayPal, Plaid, SiriusXM, Synchrony, Target, United Airlines, Venmo, Visa, Wells Fargo, Zapier, Zendesk”Synchrony is a named design partner on the draft Personal Agent Protocol (Poppy) from Sierra and Meta: a standard (OAuth/JWT/MCP) for personal agents such as Meta's Muse to identify themselves, obtain customer permission and act within parameters the company sets. Design-partner status, not a live integration. | Sierra ↗Oct 9, 2026 · primaryAmerican Banker ↗American Banker ↗ | 2026-10-31 |
| BBVAits AI agents → | Partnered | Oct 9, 2026 | “today we're publishing a draft of Personal Agent Protocol, known as Poppy, and announcing an additional 35 design partners: Adyen, Atomic, Bank of America, BBVA, Chime, Cigna, Cloudflare, Comcast, DIRECTV, ElevenLabs, FOX, Gap Inc.”BBVA is a named design partner on the draft Personal Agent Protocol (Poppy) from Sierra and Meta: a standard for personal agents such as Meta's Muse to identify themselves, obtain customer permission and act within parameters the company sets. Design-partner status, not a live integration. | Sierra ↗Oct 9, 2026 · primaryAmerican Banker ↗ | 2026-11-02 |
Strictest relation first, then by region and size, as on the tracker's bank table. Since = the earliest public evidence of the relation. A bank absent from the table has made no public statement we could find.
What do these relations mean for a customer?
- Partnered · 4An official integration: the bank is a named issuer or partner in the agent's or programme's launch, or offers a sanctioned connection for it.
A bank that is not in the table has made no public statement about Sierra Poppy (Personal Agent Protocol) that this tracker could find. That is not the same as allowing it, and it is not the same as blocking it.
The page records statements and reports, each quoted with its source. It does not test what works at a bank, and it is not advice.
Do any banks block Sierra Poppy?
None by name on this record as of November 2, 2026: no row names Sierra Poppy (Personal Agent Protocol) in a block, a restriction or a review. Separately, 15 banks and fintechs block or restrict third-party AI agents in statements that cover outside agents in general. A bank with no row has made no public statement this tracker could find.
Which banks work with Sierra Poppy?
As of November 2, 2026: 4 banks have partnered with Sierra Poppy (Personal Agent Protocol) (Bank of America, Wells Fargo, Synchrony and BBVA). In this tracker "partnered" means: An official integration: the bank is a named issuer or partner in the agent's or programme's launch, or offers a sanctioned connection for it.
Bank by bank: what is on the record?
Does Bank of America work with Sierra Poppy?
Bank of America has partnered with Sierra Poppy (Personal Agent Protocol), on the record since October 9, 2026. Sierra (October 9, 2026): “today we're publishing a draft of Personal Agent Protocol, known as Poppy, and announcing an additional 35 design partners: Adyen, Atomic, Bank of America, BBVA, Chime, Cigna, Cloudflare, Comcast, DIRECTV, ElevenLabs, FOX, Gap Inc.”
Does Wells Fargo work with Sierra Poppy?
Wells Fargo has partnered with Sierra Poppy (Personal Agent Protocol), on the record since October 9, 2026. Sierra (October 9, 2026): “Mutual, Mastercard, Nordstrom, Notion, Okta, OneSignal, OpenAI, PayPal, Plaid, SiriusXM, Synchrony, Target, United Airlines, Venmo, Visa, Wells Fargo, Zapier, Zendesk, and 1Password.”
Does Synchrony work with Sierra Poppy?
Synchrony has partnered with Sierra Poppy (Personal Agent Protocol), on the record since October 9, 2026. Sierra (October 9, 2026): “Inc., GEICO, Hertz, Insurify, Klaviyo, Liberty Mutual, Mastercard, Nordstrom, Notion, Okta, OneSignal, OpenAI, PayPal, Plaid, SiriusXM, Synchrony, Target, United Airlines, Venmo, Visa, Wells Fargo, Zapier, Zendesk”.
Does BBVA work with Sierra Poppy?
BBVA has partnered with Sierra Poppy (Personal Agent Protocol), on the record since October 9, 2026. Sierra (October 9, 2026): “today we're publishing a draft of Personal Agent Protocol, known as Poppy, and announcing an additional 35 design partners: Adyen, Atomic, Bank of America, BBVA, Chime, Cigna, Cloudflare, Comcast, DIRECTV, ElevenLabs, FOX, Gap Inc.”
How current is this list, and where does it come from?
The 4 rows were last compared with their sources on November 2, 2026; each row shows its own check date. They come from public statements only: bank newsrooms, terms and FAQs, executives on the record, vendor launch releases and reputable reporting. A weekly sweep searches the news for every agent and bank pair and proposes new rows for review; it last ran on November 8, 2026.
How is this page built?
Unit: one relation between Sierra Poppy (Personal Agent Protocol) and one bank or fintech, with the date of the earliest public evidence, a verbatim quote of at most two sentences and its source. One active row per bank: when a position changes, the newer row replaces the older one, which stays in the dataset.
This page exists because Sierra Poppy (Personal Agent Protocol) has 4 active relations; an agent gets a page from 4. Checked November 2, 2026: the latest day one of these rows was compared with its source. The weekly news sweep last ran on November 8, 2026; the next is due November 15, 2026.
Full method and caveats: the agent access tracker. Data: /agentic-banking/agent-access/data.json (JSON, CC BY 4.0) · Markdown version. An agent gets a page from 4 active relations.
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