what's Tandem Wallet?

Tandem Wallet is a multisig-style smart account on Solana designed for seamless collaboration between humans and AI agents. It enables AI agents to autonomously execute USDC transactions within user-defined guardrails, such as spending allowances, categories, and time limits. For transactions exceeding these policies, human approval is required via co-signing identical payloads, ensuring security while maintaining agent efficiency. The architecture prioritizes autonomy by default: small spends process instantly, while larger ones trigger clear intent prompts for human consent. Integrated with Solana's ecosystem, it offers auditable event trails, policy engines, and developer hooks for custom signing. Agents can be rapidly provisioned using skill files, supporting AI commerce teams in a trust-minimized environment.