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The Economy · Equipping your agent
Money, cards, spending limits, and identity. This page lists what a person or business can give an AI agent today — each product with who is behind it, its status, a date, and a source.
New to agent payments? Read how AI agents pay for things, in one paragraph on Learn.
Most of what agents spend today moves on rails where a payment is final once sent — digital dollars (stablecoins) have no chargeback, and one-time cards vary by program. So the protection happens before the purchase, not after: spending caps, approved-merchant lists, and approval steps. Every product below is built around at least one of those.
Statuses on this page are reported from the cited sources, as of the dates shown. They are not this site's on-chain verification — read what we do verify in the Methodology. Products are listed alphabetically and described, never ranked.
AgentWallet (agentwallet.ai), an independent startup
A service that gives each AI agent its own wallet, virtual card, USDC balance, and spending caps, so one agent's spending stays separate from another's.
Sandbox sign-up is self-serve; production access requires company and owner identity checks (KYB/KYC), and the site's own roadmap shows the product is pre-1.0. Feature claims (17 payout rails, 208 countries) are vendor-stated.
Cloudflare
A plan to give AI agents a spending wallet with an allowance, an approved-merchant list, and a maximum transaction size — plus a web-address identity (yourname.cloudflare.pay) so a business can see who sent the agent.
Handle reservation opened August 4, 2026. The wallets themselves — funding, spending caps, allowlists — are "available in the coming months" per Cloudflare. Payments will run on stablecoins over the x402 protocol.
Coinbase (Coinbase Developer Platform)
A wallet an AI agent runs from the command line — it signs in with an email code, holds digital dollars (USDC), sends money, trades, and pays for services over the x402 protocol.
Launched February 2026. Spending limits per session and per transaction are built in, and private keys stay inside Coinbase infrastructure — the agent never sees them. Funding works through a built-in fund skill; it runs on the Base network, Polygon, and Solana.
Crossmint
Developer tooling that gives an agent a wallet with two keys — the owner keeps the rule-setting key (limits, allowlists, instant freeze), while the agent's signing key is sealed in a secure hardware enclave.
Built for developers, not a consumer app. Supports per-transaction limits, daily caps, and recipient allowlists; funds are held in USDC, and card-network purchases route through a partner service (lobster.cash).
InFlow, a San Francisco startup founded by former PayPal executives, working with Visa
Payment infrastructure that gives an AI agent a wallet with rules about what it can and cannot buy, built on Visa's agent-payments program.
Aimed at businesses on both sides of the purchase. The Visa integration was announced May 2026; as of 2026-10-14 the account sign-up on InFlow's own site is marked "coming soon."
Locus
One prepaid balance an agent spends across a catalog of paid tools and data services — connected once, instead of opening an account and API key with every provider.
The personal plan starts at $0 and connects through MCP; platform plans add per-user balances and controls. Catalog size (56 providers, 3,811 services) is vendor-stated.
Mastercard
A program that lets registered AI agents pay with a shopper's Mastercard using special network tokens, so merchants and banks can tell agent purchases apart from human ones.
Announced April 2025 and rolling out through partner platforms — not a product a person signs up for directly. A companion program, Agent Pay for Machines, launched June 10, 2026 for machine-to-machine payments.
MoonPay; the vault itself is operated by Launchpad Limited, a B.V.I. company
A payment vault an AI assistant connects to: the assistant prepares a transaction — buy or swap crypto, bridge funds, or pay over the x402 protocol — and you approve it with a passkey before any money moves.
Live in Grok, Claude, and ChatGPT, per MoonPay (Grok added 2026-08-31). An "Autonomous" mode lets the AI act within limits you set; wallet keys are split so neither MoonPay nor the AI can sign alone, and access is revocable. MoonPay's own announcement states the vault is operated by Launchpad Limited, a B.V.I. company, and that "Launchpad Limited is unregulated."
Stripe
Building blocks a business uses to issue single-use virtual cards to AI agents, with spending controls and fraud checks applied to each transaction.
Developer-facing — this is the card layer Stripe's own Link wallet for agents is built on.
Stripe
Lets you connect your Link wallet (your saved cards and bank accounts) to an AI agent; the agent asks to spend, you approve on your phone, and it receives a one-time card — never your real card number.
Every purchase needs your approval today. Standing spending limits ("granular agent controls") and digital-currency payment methods are listed by Stripe as coming soon.
Visa
Visa's program for letting AI agents pay with a person's Visa credentials, with authentication, controls, and protections attached to each agent-initiated purchase.
Visa's own page states the product "is currently in the process of deployment" and describes features of the fully-deployed product. Partner work — with OpenAI, and with startups such as InFlow — is announced.
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