The settlement layer
Onchain agents for payments
Pay-per-call, agent-to-agent, settled onchain in stablecoins — no card, no checkout, no human.
113 resources · 23 chains
Payment is what turns an agent from a chatbot into an economic actor. Give it a balance, pay-per-request, and stablecoin settlement, and an agent can buy data, hire other agents, and run a paid service — with no card, no invoice, and no human approving each step.
The rails are arriving fast. x402 turns an HTTP 402 into a one-line USDC charge, while Coinbase's x402, Google's AP2, and the card networks' agent-checkout specs race to define how agents transact with merchants. We track what has shipped against what's still a draft — and never present self-reported volume as verified.
The payments stack
x402 micropayments
Pay-per-request settlement over the HTTP 402 status code — the primitive most agent payments run on.
Stablecoin rails
USDC and other stablecoins: the unit of account agents actually hold, send, and receive.
Agent-commerce standards
AP2, ACP, and checkout protocols that let agents buy from merchants and pay each other.
Escrow & settlement
Conditional release and dispute handling for agent-to-agent deals.
Payments stack
Explore in directory →Agents 3
Curated agents that work in payments — their Sato Score is the transparency signal, not a returns promise.
Bankr
ActiveCrypto execution layer and cross-chain wallet that lets agents and users trade, bridge, and manage assets via natural language, plus a skills marketplace and an x402 cloud for spinning up pay-per-call agent endpoints.
Freysa
UnknownAdversarial AI agent experiment where users try to convince an agent to release onchain funds.
Franklin
EarlyAn autonomous AI agent with its own wallet that spends USDC to get real work done.
Resources to build & deploy with 110
GOAT SDK
ActiveCrossmint's open-source library of onchain actions (tools) for AI agents across chains.
Olas (Autonolas)
ActiveNetwork and framework for co-owned autonomous agent services operating onchain.
Agent Payments Protocol (AP2)
ActiveOpen protocol from Google for secure agent-led payments across traditional and crypto rails, with a crypto-native x402 extension built with Coinbase, Ethereum Foundation, and MetaMask.
Zerion
ActiveWallet and DeFi data provider offering portfolio, positions, transactions, PnL, and prices across many chains, with an agent-accessible API.
Agentic Commerce Protocol (ACP)
BetaOpen standard maintained by OpenAI and Stripe for connecting buyers, their AI agents, and businesses to complete purchases.
Universal Commerce Protocol (UCP)
ActiveOpen standard co-developed by Google and Shopify for AI agents to discover, negotiate, and transact with any merchant across the full commerce journey.
ERC-8183: Agentic Commerce
EarlyDraft Ethereum standard defining an on-chain job-escrow protocol with evaluator attestation so AI agents can hire, deliver, and settle work without intermediaries.
World AgentKit
BetaSDK from World (Tools for Humanity) that lets AI agents present a zero-knowledge proof a verified human authorized them, combined with x402 payments.
x402
EarlyOpen payment protocol enabling agents and apps to pay for APIs over HTTP using stablecoins.
Privy
ActiveEmbedded and server wallet infrastructure used to give agents secure key management.
DefiLlama
ActiveOpen DeFi analytics dashboard and free API tracking TVL, fees, revenue, volume, and yields across many chains and protocols.
Trust Wallet Agent Kit (TWAK)
ActiveNon-custodial toolkit from Trust Wallet (MCP server, CLI, and SDK) that lets AI agents read and transact across 25+ chains within user-defined rules.
Nansen
ActiveOnchain analytics platform with wallet labeling and smart-money tracking, offering an API with key-based and x402 access.
Messari
ActiveCrypto research and data platform covering fundraising, metrics, signals, and news, with API-key and x402 agent access.
Giza (ARMA)
ActiveARMA is Giza's autonomous agent that manages stablecoin lending positions across Base DeFi protocols on the user's behalf.
Neynar
ActiveFarcaster developer platform providing APIs, SDKs, webhooks, and an agent skill for building and deploying agents that read and write Farcaster data.
OpenSea Agent Skill
ActiveOfficial OpenSea agent skill and MCP server letting AI agents query NFT/token data and execute marketplace operations such as listing, offers, and token swaps.
Cobo Agentic Wallet
ActiveNon-custodial MPC wallet for AI agents with cryptographically enforced human rules, plus a WaaS Skill for building wallet apps via natural language.
Clanker
ActiveAgent that deploys tokens on Base when tagged on Farcaster.
Injective Agents
ActiveA platform for deploying autonomous AI trading agents on Injective with onchain identity, order-book trading, and MCP framework support.
Binance Agent Skills
ActiveA set of MCP-style Agent Skills that let AI agents access Binance spot, derivatives, margin, Alpha market data, and asset management via standardized APIs.
Chainbase
ActiveAn onchain data network providing structured, AI-ready blockchain data across many chains, with API, CLI, MCP, and x402 access.
Visa Trusted Agent Protocol (TAP)
ActiveVisa protocol that lets merchants authenticate trusted AI shopping agents via cryptographic signatures, with x402 interoperability into traditional payment rails.
PayAI Network
ActiveSolana-first x402 payment facilitator enabling usage-based, machine-to-machine payments for AI agents.
BitAgent (Unibase AIP 2.0)
ActiveAn ERC-8183 agent skill marketplace where builders register skills and agents discover, chain, and pay for them on-chain.
Surf (asksurf.ai)
ActiveAn installable skill and unified API giving AI agents access to crypto market, on-chain, social, and prediction-market data across 40+ chains.
Pieverse
ActiveOne-click deployment of Web3-native AI agents to Line, Kakao, and WhatsApp, each with its own wallet and onchain execution.
peaq
ActiveDePIN infrastructure providing agents with identity, wallets, and pay-per-request onchain settlement, with peaqOS skills for AI coding tools.
Cybercentry
ActivePay-per-use security verification endpoints for AI agents, billed via x402 micropayments.
Kobaru
ActiveAn x402 micropayment gateway and transparent proxy that adds pay-per-request paywalls to existing APIs without backend rewrites.
PRXVT
EarlyOpen-source privacy SDK that adds unlinkable, zero-knowledge payments on top of the x402 agent payment standard.
Mode Network
ActiveAn Optimism Superchain L2 focused on AI-driven onchain finance, with configurable rules-based trading agents.
Endaoment
ActiveOn-chain US 501(c)(3) community foundation enabling donor-advised funds and crypto, stock, and cash donations to nonprofits, with an agent skill for charitable giving.
Who Pays the Agent? (Keyrock x Coinbase Report)
ActiveResearch report analyzing on-chain AI-agent payments, finding agents settled roughly $73M across about 176M transactions over twelve months with USDC dominant.
0xWork
EarlyBase-based marketplace where humans and AI agents post and complete tasks, with USDC locked in on-chain escrow, agent staking, and ERC-8004 identity/reputation.
AgenC
ActiveA Solana coordination protocol and marketplace where agents claim escrowed tasks, prove completion with ZK proofs, and settle payment on-chain.
Agently
EarlyRouting and settlement layer and CLI for agent-to-agent commerce, supporting EVM wallets, agent discovery, A2A messaging, x402 payments, and ERC-8004 identity.
Cod3x
ActiveA DeFAI platform to create no-code AI agents that translate natural-language intent into onchain DeFi strategies and trades.
Coinbase Agentic Wallets
ActiveCoinbase Developer Platform wallet infrastructure built for AI agents, with spend caps, gasless Base settlement, and native x402.
XRPL AI Starter Kit
EarlyRipple's starter kit for building agentic payment apps on the XRP Ledger, with x402 payments in XRP and RLUSD, an XRPL docs MCP server, and Claude wallet/payment skills.
VeilNet
BetaPrivacy-preserving x402 payments for agents on Base, with stealth addresses and TEE-encrypted inference, no accounts or API keys.
BlockRun
ActivePay-per-call gateway where AI agents reach 55+ LLMs, data, and tools through one endpoint, settled in USDC via x402 — no API keys.
BotWallet MCP
EarlyNon-custodial wallet MCP for AI agents to invoice, get paid, and spend on other agents/APIs, with human-set limits.
Alchemy AgentPay
BetaAlchemy's payment proxy for AI agents — every API request is authenticated, metered, and settled automatically, so agents pay per call without keys or subscriptions.
Coinbase MCP Server
ActiveCoinbase's remote MCP server — grant an AI agent scoped access to your Coinbase account to trade, make payments, and more.
Octav API MCP
ActiveOfficial Octav MCP exposing portfolio holdings, DeFi positions, NAV, and transaction history across 20+ chains.
QuickNode MCP
ActiveOfficial remote MCP for managing QuickNode blockchain endpoints, rate limits, security, and billing via natural language.
Algorand MCP
ActiveGoPlausible's Algorand MCP: agent wallets, transaction building/signing, TEAL, DEX aggregation, full Algod/Indexer access.
Universal Crypto MCP
ActivePlugin-based monorepo MCP: EVM+Solana wallets, DEX aggregation, x402 payments, CEX trading, market data, bridges.
Circle Skills
ActiveOfficial Circle skill repo for USDC payments, cross-chain transfers, and wallet integration.
CryptoQuant MCP
UnknownOfficial CryptoQuant MCP server exposing on-chain metrics like MVRV, SOPR, and exchange flows to agents.
Megapot
ActivePermissionless on-chain lottery on Base where players buy stablecoin tickets for provably-fair draws and liquidity providers fund jackpots.
AIBTC MCP Server
ActiveBitcoin-native MCP server: BTC/STX wallets, L1 reads and transfers, Stacks, sBTC, and x402 payments.
Lightning Wallet MCP
ActiveBitcoin Lightning wallet MCP and CLI for agent payments: invoices, sends, and L402 support.
MERX MCP
UnknownTRON infrastructure MCP (hosted SSE + local stdio): energy/bandwidth prices, resource optimization, and TRC-20 stablecoin payments.
PayRam MCP
ActivePayRam's MCP server for self-hosted crypto payments: hosted endpoints and agent payment workflows.
Robinhood Chain
EarlyRobinhood's permissionless, EVM-compatible Arbitrum L2 for tokenized real-world assets and 24/7 onchain markets.
monapi
EarlyOne-line x402 paywall SDK for monetizing APIs and MCP servers with per-route USDC pricing.
YO Protocol
ActiveNon-custodial ERC-4626 yield optimizer on Base and Ethereum; agents deposit stablecoins into yoUSD to earn aggregated DeFi yield.
Arbitrum Vibekit
ActiveArbitrum-native, MCP-first agent framework with A2A and x402 support, backed by an Arbitrum Foundation grant program.
Bitrefill
ActiveCrypto-to-gift-card and mobile top-up commerce platform with a Skills/MCP/API surface for agents to buy real-world goods with stablecoins.
Gloria MCP
EarlyMCP server for Gloria AI's curated crypto news feed — sentiment-tagged headlines, recaps, and search for agents.
Solana Pay Agent Skills
ActiveSolana Foundation community registry of stablecoin-gated (USDC/USDT) APIs the pay CLI and AI agents can search, route to, and pay through.
Bridge
ActiveStablecoin payments infrastructure (acquired by Stripe) offering an orchestration, issuance, cards, and wallet API for moving money onchain.
Squads Grid
ActiveREST API suite (accounts, cards, yield, trading data) for building stablecoin-native fintech on Solana, from the Squads Labs team.
OpenDexter
ActiveAgent middleware (npm/MCP) that discovers, prices, and pays for paid APIs with multi-chain USDC, tracking 21,000+ endpoints.
SOLx402 MCP Server
EarlyMCP server bridging AI assistants to the x402 micropayment protocol on Solana, so agents can discover and pay for services in USDC.
Mercury x402 MCP
EarlyPay-per-call MCP server (x402, USDC on Base) offering keyless web-read, structured extraction, and markdown tools with signed provenance receipts.
x402node MCP
ActiveMCP server that discovers x402-paid APIs via CDP Bazaar and handles USDC micropayments on Base.
Hashnet MCP Server
ActiveHashgraph Online MCP for agent discovery, chat, registration, workflows, and Hedera agent interactions.
Alby MCP
ActiveOfficial Alby MCP connecting Bitcoin Lightning wallets to agents via Nostr Wallet Connect.
MoonPay Skills
ActiveOfficial MoonPay skill repo for crypto onramps, wallet ops, swaps, and prediction-market trading.
MPPscan
ActiveEcosystem explorer for the Machine Payments Protocol (MPP) on Tempo: agent payment servers, micropayments, and volume.
x402scan
ActiveExplorer for the x402 ecosystem: transactions, sellers, origins, and resources across agentic commerce.
AgentCash
UnknownOne prepaid balance that lets AI agents buy data, APIs, and tools per call - no API keys, no subscriptions.
MetaMask mcp-x402
EarlyMetaMask's own MCP server for generating x402 payment headers signed by a supplied private key.
Breeze Agent Kit
EarlyToolkit for AI agents managing Solana yield-farming positions via the Breeze protocol, in MCP, x402, and SKILL.md form.
x402-proxy
ActiveCLI and MCP proxy that auto-pays x402/MPP-gated endpoints on Base, Solana, Monad, and Tempo from one mnemonic.
NEAR AI Agent Market
EarlyOfficial NEAR AI marketplace where agents bid on posted tasks and get paid in NEAR via NEAR Intents.
MegaETH
ActiveReal-time Ethereum L2 (~10ms blocks) with a native agent stack: the MOSS embedded wallet lets agents act under scoped, revocable permission policies — spend caps, contract allowlists, and expiry — without ever touching your keys.
Tempo MPP Specs
ActiveSpecification for the Payment HTTP auth scheme (Multi-Party Payments) from Tempo, the Stripe/Paradigm-backed payments L1.
ACP Node SDK v2 (Agent Commerce Protocol)
ActiveOfficial Node.js SDK for Virtuals' Agent Commerce Protocol — event-driven agent-to-agent job and escrow flows.
LangChainBitcoin
EarlyLightning Labs toolkit giving LangChain agents Bitcoin/Lightning balance access and L402-authenticated API calls.
BlockBeats MCP
UnknownOfficial BlockBeats MCP: crypto newsflashes, articles, market metrics, ETF flows, and macro signals.
LNbits MCP
ActiveOpen-source MCP server for the LNbits Lightning accounts system: wallet balances, payments, and admin tools.
Sperax Crypto MCP
ActiveOfficial Sperax MCP for USDs/SPA protocol data: peg health, collateral, yield strategies, and vault risk on Arbitrum and BNB Chain.
TensorFeed x402 Base MCP
ActiveRead-only Base mainnet MCP for x402: verify USDC settlements, parse x402 manifests, probe endpoints, decode payment payloads.
BlindPay
ActiveOfficial MCP server for BlindPay's stablecoin payment rails: payouts, payins, virtual accounts, and FX quotes.
Bitcoin MCP (Bortlesboat)
ActiveZero-config Bitcoin data MCP: fees, mempool, blocks, transactions, mining, price, and supply.
x402 AI Starter
UnknownVercel Labs' reference Next.js template wiring the x402 payment protocol into the AI SDK and MCP for paying agents.
Superfluid
ActiveReal-time token-streaming protocol enabling per-second payment flows, usable as an agent subscription/payroll primitive.
CryptoIZ MCP
ActiveSolana DEX smart-money signal MCP server (whale accumulation, divergence, BTC regime) sold pay-per-call via x402.
Usenami Funding MCP
EarlyMCP server for perp funding rates and cross-exchange data across 20+ venues, including Hyperliquid HIP-3.
Polygon Agent CLI
ActiveOfficial Polygon Labs CLI giving AI agents session-scoped wallets, x402 payments, and ERC-8004 identity in one install.
Masumi Network
ActiveCardano-based payment and identity protocol letting AI agents pay each other via escrow with on-chain audit trails.
Circle Agent Stack MCP
EarlyMCP wrapper around Circle's Agent Stack — create USDC wallets, set spend policies, send stablecoin, and pay x402-gated endpoints.
Fewsats
UnknownL402 payments platform and MCP server letting agents pay for API access with Bitcoin Lightning or stablecoins.
Axiom (clawbots)
EarlyAn autonomous agent/builder on Base publishing open-source crypto agent skills such as calldata decoding, proxy resolution, and protocol integrations.
OKX OnchainOS Skills
EarlyAgent skills for OKX OnchainOS: wallet, token discovery, market data, and DEX swaps.
Daydreams
EarlyFramework and tooling for building AI agents for onchain commerce.
Lucid Agents
EarlyCommerce SDK for bootstrapping AI agents that can pay, sell, and transact onchain.
BlockRun MCP
EarlyMCP server giving AI agents live data — markets, crypto, research, X — billed per call via x402 micropayments.
Swapper Toolkit
EarlyDeFi toolkit that gives AI agents and coding assistants wallets to deposit funds, execute trades, and manage crypto.
ChainGPT Claude Skill
EarlyWeb3 toolkit for Claude Code: 140 custody-free MCP tools for EVM and Solana DeFi, DEX, and perps.
Bitget Wallet Skill
EarlyAgent skill for Bitget Wallet: token swaps, cross-chain bridging, and gasless transactions.
0xGasless AgentKit
EarlyToolkit giving AI agents gasless access to crypto wallets and onchain functionality.
WAIaaS
EarlyWallet-as-a-Service infrastructure for AI agents.
Agenti
EarlyGives any AI agent a crypto wallet to pay x402 APIs, receive USDC, and check balances.
x402 OpenAI (Python)
EarlyDrop-in OpenAI Python client with transparent x402 micropayment support.
Emblem Agent Skills
EarlySkill collection for EmblemAI agents — 200+ crypto tools across seven blockchains.
Learn more
How Agents Use Wallets
Agent wallets are key-management systems that let an AI agent sign transactions programmatically, ideally with policies, spend limits, and approval flows that constrain what the agent can do.
What Are Onchain Agents?
Onchain agents are autonomous AI agents that can interact with blockchain systems, holding wallets, signing transactions, reading chain data, and executing workflows across protocols without constant human input.
Related use cases
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