# Rails: which accounts pay by themselves

URL: https://www.orla.finance/en/rails
Markdown twin of that page. Append `.md` to any Orla page URL to get one.

Which of your accounts the autopilot pays from by itself and which wait for a person: banks, PayPal, wallets, agent cards, and the fee in dollars.

#### Questions

**Does Orla hold my money?**

No. Your banks keep it, and an account inside Orla pays into your own wallet. Orla holds only a prepaid card balance and an agent's wallet, both funded by you.

**Can the autopilot pay from Mercury by itself?**

Not on launch day. Orla sends the payment into Mercury's approval queue, and an admin approves it there.

**Why do only some accounts pay by themselves?**

Their APIs let a payment leave after Orla checks it against the mandate. An account moves to by itself on the day that ships, not before.

**What if a payee's bank details change?**

The payment waits, even with every signature, until someone confirms the new details.

**Which currencies does the account inside Orla take?**

Dollars by ACH, wire or SWIFT, and euros by SEPA. Both land as USDC in your own wallet.

**What does one payment cost?**

0.25% when a machine moves it, at most $25. The bank's or the network's own charge comes on top, at cost and shown on the row.

**Can an agent reach my bank account?**

No. An agent spends from its own wallet and card, inside caps you set, and never holds a key to your accounts.