The AI agent payments stack

Name: The AI agent payments stack
Creator: AIsa
Published: 2026-11-03

Explore 140 companies and protocols across eight layers, from the agent to the seller. Each entry links to a public source.

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The dollar's route · agent to seller

01 / 08Follow the dollar through the eight layers.

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The Agent Payments Stack chart: 140 companies and protocols in 8 layers

What the map shows.

[ 01 / 05 ] Protocols

The rules for how agents pay are starting to fit together.

One purchase · checkout to payment

Sources: ucp.dev, UCP and AP2 · ap2-protocol.org (x402 sample) · Basis Theory, Visa and Mastercard agent credentials · Linux Foundation, Jul 2026 · FIDO Alliance, Apr 2026

[ 02 / 05 ] Acquisitions

The big payment companies are buying the pieces agents need.

Wallets, billing and model routing are becoming features of the processor.

Five deals · Jul 2025 to Aug 2026

Sources: Stripe 2025 letter (Privy) · Fireblocks, Oct 23, 2025 · Stripe, Jan 14, 2026 · Adyen, Jun 11, 2026 ($335M) · Adyen, closed Jul 1 · Stripe, Aug 19, 2026

[ 03 / 05 ] Volume

Real volume is still small, and the headline numbers make it look bigger.

And only a small part of it comes from AI agents.

How big it really is · x402, 2026

Sources: x402scan, read Oct 29, 2026 · TRM Labs, Sep 9, 2026 · Bitquery, data to Sep 5, 2026

[ 04 / 05 ] Demand

What agents buy is still narrow.

What agents pay for · Bazaar, 30 days to Oct 21

59 in 100

paid services where each wallet paid exactly once. FiatDock reads it as crawlers paying each service once to index it.

Sources: cp0x Bazaar report, Oct 21, 2026 (revenue is estimated from listed prices) · FiatDock, Bazaar index, 30 days to Sep 21, 2026

[ 05 / 05 ] Quality

Checking quality has barely started.

ERC-8004 on Ethereum · Aug 17, 2026

Source: LLM4Agents on-chain audit, snapshot Aug 17, 2026 · 8004.org

Where AIsa fits · the resource layer for AI agents

Companies and protocols in this map

Enable JavaScript for search, layer filters and company details. The source links and CSV are available below.

Opera Neon: Agentic browser whose Neon Do agent shops and books inside the user's session
Perplexity (Instant Buy & Comet): Answer engine and Comet browser with in-chat checkout via PayPal and Venmo
Amazon Alexa for Shopping (Buy for Me): Amazon's shopping agent; Buy for Me orders from other brands' own sites
ChatGPT (OpenAI): ACP-based product discovery; purchases now finish in merchant checkout or apps
Google AI Mode & Gemini: UCP-powered checkout inside Search AI Mode and Gemini, paid with Google Pay
Meta Muse: Meta's personal agent; pays through Stripe's Link wallet with one-time cards
Microsoft Copilot Checkout: In-chat checkout in Copilot with PayPal, Shopify and Stripe merchants
ASI:One (Fetch.ai): Personal AI with a spend-capped wallet: Visa tokens, USDC or FET for agent tasks
Bankr: Crypto trading agent with a wallet that pays x402 endpoints under a spend cap
HeyElsa: DeFi copilot that executes trades; its trading API is sold per call over x402
Pearl (Olas): Desktop app store for autonomous Olas agents that hold and spend their own funds
Basis Theory: Vault that mints single-use agent credentials from customer-approved allowances
Lithic: Card issuing API with per-card auth rules for agent-initiated purchases
Nekuda: Agent wallet SDK storing card credentials with mandates; Visa VIC partner
Prava: One-time Visa tokens locked to merchant and amount, approved by passkey
Rain: Stablecoin card issuer; scoped single-use agent cards and Agent Control Layer
Skyfire: KYAPay signed tokens carrying verified agent identity and payment
Circle: Agent Stack: USDC agent wallets, CLI, marketplace and x402 nanopayments
Coinbase Developer Platform: Agentic Wallets: CLI/MCP wallets with session caps, KYT and x402 payments
Crossmint: Agent wallets, scoped agent cards and checkout APIs under user-set limits
Fireblocks: Agentic Payments Suite: delegated agent wallets plus x402 gateway for PSPs
Lit Protocol (Vincent): Vincent: user-owned agent wallets with revocable, programmable policies
Merit Systems: AgentCash USDC wallet/MCP for pay-per-call APIs; runs x402scan and MPPscan
MoonPay: MoonPay Agents CLI wallets plus MoonAgents Card, a stablecoin Mastercard
Openfort: Agent wallets with scoped session keys, spend caps and fail-closed policies
Para: MPC agent wallets via REST API with transfer limits; supports x402 and MPP
Privy: Stripe-owned wallet API; policy-capped agent wallets behind AWS AgentCore pay
Sponge: YC agent wallet with stablecoins, virtual cards, ACH and x402/MPP payments
Turnkey: Enclave-based agent wallets with deny-by-default signing policies
Anchorage Digital: Agentic Banking: budgets, merchant allowlists and KYA on a chartered bank
ATXP: Self-registering agent accounts: wallet, email and pay-per-use tools
Catena Labs: Banking and governance platform for agents; OCC conditional trust-bank nod
Lightspark: Grid Global Accounts with agent permissions, spend limits and approvals
Natural: Payments stack for agents: FDIC-insured wallets, pay/request; $30M Series A
Payman AI: Policy-bound AI agents that move money inside banks and credit unions
zerohash: Agentic Finance Suite to hold, move and stream money, with KYA screening
Mercury: Mercury Spend: human-issued AI agent cards governed by budgets
Ramp: Corporate spend platform with Agent Cards and x402 agent wallets (alpha)
Conto: Policy engine checking agent payments on cards, stablecoins, x402 and MPP
Locus: USDC agent wallets on Base with budgets, caps and approval thresholds
Sapiom: Agent spend rules, card vault and approvals; bought Fewsats in 2026
Cloudflare: x402 Foundation co-founder; Monetization Gateway bills agents per request
Stripe: Co-authored ACP and MPP; merchants accept agent payments via MPP or x402
ACP (Agentic Commerce Protocol): OpenAI and Stripe's open checkout spec for agent purchases, incl. ChatGPT
Agent Commerce Kit (Catena Labs): Open ACK-ID and ACK-Pay patterns for agent identity, payments and receipts
AP2 (Agent Payments Protocol): Google-originated mandate protocol for agent payments, now under FIDO Alliance
ATXP (Circuit & Chisel): Agent Transaction Protocol: funded agent accounts that pay per MCP tool call
ERC-8004 (Trustless Agents): Ethereum registries for agent identity and reputation, built to pair with x402
FIDO Alliance: Passkey standards body now hosting AP2 and Mastercard's Verifiable Intent
KYAPay (Skyfire): Skyfire's open JWT spec combining verified agent identity with payment authority
L402 (Lightning Labs): Lightning-invoice HTTP 402 scheme; Lightning Agent Tools let agents pay and earn
MPP (Machine Payments Protocol): Stripe and Tempo's HTTP 402 standard covering stablecoins, cards and sessions
UCP (Universal Commerce Protocol): Google and Shopify's open agent-checkout standard; plugs into AP2 for payment
x402 Foundation: Linux Foundation body stewarding x402, the HTTP 402 payment standard
Circle Gateway (Agent Stack): Sub-cent USDC nanopayments to x402 services, plus an Agent Marketplace
Coinbase Developer Platform: Created x402; runs the leading hosted facilitator with built-in KYT screening
Corbits: Runs a free x402 facilitator and maintains the open-source Faremeter SDK
Daydreams: Open-source x402 facilitator plus a pay-per-inference model router
Dexter: Fee-free public x402 facilitator covering Solana and ten EVM networks
FluxA: Agent wallet with user-signed spend mandates and its own Base x402 facilitator
PayAI: Multi-chain x402 facilitator for Solana and EVM; no API key needed to start
Questflow: Multi-agent orchestration app that also runs its own x402 facilitator
t54 Labs: Runs the XRPL x402 facilitator, which passed 10M payments by October 2026
thirdweb: Web3 dev platform with x402 SDKs and a facilitator spanning 170+ EVM chains
American Express: ACE developer kit for registered agents, backed by Agent Purchase Protection
Mastercard: Agent Pay with agentic tokens; says nearly all its cards are now enabled
UnionPay: Launched Agentic Payment Open Protocol (APOP) with 19 initial partners
Visa: Intelligent Commerce, Trusted Agent Protocol and a multi-protocol agent on-ramp
Arc: Circle's USDC-gas L1, mainnet Sep 2026, pitched as built for AI agents
Base: Coinbase's Ethereum L2; the busiest x402 settlement chain by payment count
Kite AI: Avalanche-based L1 with Agent Passport for user-bounded agent spending
Lightspark: Lightning infra firm; extended MPP to Bitcoin and opened Grid accounts to agents
Polygon: PoS chain running its own x402 facilitator and Paychannels for micropayments
SKALE: Gas-free EVM network courting x402 agent micropayments
Solana: High-throughput L1; its Pay.sh gateway lets agents pay per call for Google Cloud
Stellar: L1 supporting both x402 and MPP; SDF sits on the x402 Foundation board
Tempo: Stripe-incubated payments L1; co-author and reference rail of MPP
XRP Ledger (Ripple): Ledger where agents settle x402 payments in XRP or Ripple's RLUSD
Circle: USDC issuer; says USDC carries 98.8% of agent-driven transaction volume
OSL: HK-listed stablecoin firm; AgentPay settles agent payments over x402, AP2, MPP
Tether: USDT issuer; its WDK documents x402 payments in USD₮0 on Plasma and Stable
BigCommerce: Feedonomics ACE syndicates agent-ready catalogs to ChatGPT, Gemini, Copilot
commercetools: AgenticLift makes catalogs and checkout transactable in AI channels
Firmly: One merchant connection to agent channels across UCP, ACP, MCP and AP2
Henry Labs: SDK for product search, multi-merchant carts and hosted/headless checkout
Rye: Universal checkout API turning any product URL into an agent order
Salesforce: Agentforce Commerce connects merchant catalogs to ChatGPT and Gemini
Shopify: Agentic storefronts on by default; UCP checkout in Copilot and Gemini
Cloudflare: Pay per crawl: sites charge AI crawlers via HTTP 402 (closed beta)
Microsoft Publisher Content Marketplace: Pilot marketplace paying publishers for content used to ground AI answers
TollBit: Bot paywall and agent sites so publishers license and charge AI access
Adyen: Adyen Agentic: Feed, Cart and Payments APIs for selling via AI platforms
Checkout.com: Processor live on UCP and ACP, supporting Visa and Mastercard agent rails
Fiserv: Multi-protocol agent acceptance for merchants via Visa TAP and Agent Pay
Klarna: Backs UCP and AP2; product protocol and BNPL inside agent checkouts
PayPal: Agent Ready and Store Sync let merchants sell in ChatGPT and Gemini
Square: Puts sellers' live menus and ordering in ChatGPT, Claude and Ask Maps
Stripe: Agentic Commerce Suite for sellers plus MPP/x402 machine payments
Worldpay: Now Global Payments; ChatGPT ACP partner with agent detection and MCP
Lago: Open-source metering and billing with LLM token SDKs and an MCP server
Metronome: Usage billing engine behind Stripe LLM token billing; Stripe-owned 2026
Nevermined: x402 facilitator adding credits, subscriptions and dynamic pricing
Orb: Usage billing for tokens, credits and outcomes; acquired by Adyen 2026
Paid: Outcome-based billing, cost tracking and ROI proof for AI agent makers
Polar: Merchant-of-record billing that meters LLM tokens into usage pricing
Agentverse (Fetch.ai): Registry where agents list services others discover and can pay to use
Olas Mech Marketplace: Onchain market where agents buy AI tasks from other agents, paid per request
Virtuals Protocol (ACP): Market where agents hire and pay other agents, with onchain escrow per job
Apify: Scraper marketplace; agents prepay runs with x402, MPP or Skyfire tokens
Bitrefill: Gift cards, top-ups and eSIMs agents can buy with USDC over x402, no account
Browserbase: Headless browser sessions billed by the hour through x402 and MPP gateways
Exa: Neural web search; /search and /contents payable per call over x402 and MPP
Firecrawl: Web scraping API with a dedicated x402 search endpoint for keyless agents
Nansen: Onchain analytics API payable per call via x402 (Base, Solana) or MPP
Parallel Web Systems: Web research APIs sold keyless through a gateway accepting MPP and x402
Tavily: Agent search API with a keyless x402 endpoint at $0.01 per query on Base
BlockRun: Pay-per-request access to ~90 LLMs plus media and data, settled in USDC via x402
Cloudflare AI Gateway: AI Gateway now lets agents pay for model inference per request over x402
OpenRouter: Router for 400+ models; Stripe agreed to acquire it in August 2026
Vercel AI Gateway: One endpoint for hundreds of models at list price, with budgets and fallbacks
AgentCash (Merit Systems): One USDC balance that pays thousands of x402 APIs; Merit also runs x402scan
Coinbase x402 Bazaar: Discovery index of x402 endpoints, auto-listed after their first settlement
Composio: Tool platform; Instant bills paid tools per call from a balance at 0% markup
MPP services directory: Stripe/Tempo catalog of MPP-payable services: 139 services, 1,604 endpoints
AIsa: The resource layer for AI agents: 5,000+ APIs and 110+ models behind one key, pay as you go
Pay.sh: Solana Foundation gateway selling Google Cloud and community APIs over x402/MPP
Akamai (Agentic security): Edge framework verifying agents and the humans behind them before they act
Cloudflare Web Bot Auth: Signed HTTP requests that let sites verify which agent is calling
DataDome (Agent Trust): Bot defense that separates legitimate shopping agents from malicious automation
HUMAN Security (AgenticTrust): Scores agent traffic and lets merchants decide which agents may check out
AstraSync: Agent passports with permission limits and trust scores, anchored onchain
Baselayer (KYA): Business-identity network extended to verify agents acting for companies
Experian Agent Trust: Credit bureau's service registering agents and linking them to verified owners
Persona (Know Your Agent): Identity platform tying AI agents back to verified humans and businesses
Proof (x401): x401 identity wallet; agents present verified claims, optionally paid via x402
Prove Verified Agent: Binds a verified consumer identity and consent to each agent transaction
Trulioo (KYA): Know Your Agent checks that issue each agent a Digital Agent Passport
World AgentKit: Proof-of-human credentials for agents, shipped as an x402 extension
Magentic Marketplace (Microsoft Research): Open simulator testing how buyer agents fail under manipulation and bias
x402r (BackTrack): Escrow, refunds and arbiter-based disputes layered on top of x402 (beta)
Forter (Agentic Commerce Engine): Fraud engine that turns agent-initiated orders into approvable, trusted sales
Riskified (AI Agent Approve): Chargeback-guaranteed fraud screening tuned for orders placed by AI agents
Sardine: Fraud and compliance platform mapping risk and liability in agent payments
Signifyd: Commerce fraud protection with guidance and controls for agent purchases
t54 Trustline: Real-time risk engine that scores agent payments before x402 settlement

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NOVEMBER 2026 EDITION

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Public sources: Each entry links to one public source. Dates are shown when the source provides them.
Reported figures: Every number identifies the company or organization that reported it.
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