Agentic Commerce

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rails for moving money

Payment Infrastructure

30 companies in this category

Overview

Payment Infrastructure provides the underlying rails, protocols, and plumbing that payment processors build on top of. The x402 protocol (HTTP 402 "Payment Required") by Coinbase enables pay-per-use USDC micropayments.

OpenAI and Stripe's ACP (Agentic Commerce Protocol) defines how agents search products and complete purchases. Google's AP2 uses cryptographic "mandates" for secure agent payments, backed by 60+ organizations.

Crossmint provides agents with wallets and virtual Visa cards to pay across 1B+ items on Amazon and Shopify. The infrastructure layer also includes compliance (Cleared for BSA/OFAC screening), streaming payments (Superfluid for per-second subscriptions), and management dashboards (ampersend by Edge & Node).

This layer is where the fundamental design decisions about agent payment architecture are being made.

All Companies (30)

Merit Systems

Merit Systems

Builder of x402 infrastructure including x402scan and The Terminal; fostering emergence in agentic commerce by turning open-source TODOs into funded work and enabling AI agent payments.

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Moonpay

Moonpay

MoonPay Agents gives AI agents non-custodial wallets with 54 crypto tools across 17 skills, native x402 support, and multi-chain functionality across 10+ blockchains.

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Gwop

Gwop

Identity, permissions, and settlement layer for AI agent transactions on Solana with USDC-to-fiat auto-conversion, delegated wallet access with kill switches, and AI-powered dispute arbitration.

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ampersend

ampersend

Management dashboard by Edge & Node (creators of The Graph) for coordinating AI agent operations and transactions, built on Google A2A and Coinbase x402.

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Conto

Conto

Control center for agentic payments with one API for virtual cards, stablecoins, and approval workflows; enforces policy in the transaction path with trust scoring and fraud alerts.

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Superfluid Foundation

Superfluid Foundation

Money streaming protocol extending x402 with continuous per-second subscription payments for AI agents, enabling duration-based access to compute, bandwidth, and model services.

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lobster.cash

lobster.cash

Open-source payment standard for AI agents (backed by Visa, Circle, Solana) that issues virtual cards via Visa Intelligent Commerce, enabling agents to pay at any browser checkout.

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RevaPay AI

RevaPay AI

AI-driven stablecoin payments agent enabling users to send payments to any Pay(ID) or X username via simple text, built on Reveel's universal stablecoin orchestration layer.

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Pay3

Pay3

Agentic payments platform enabling AI agents to autonomously execute stablecoin transactions with intelligent routing and real-time settlement across multiple blockchains.

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HTTPayer

HTTPayer

Server framework and SDK that automates the full HTTP 402 payment flow with x402, handling cross-chain liquidity, spend policies, and privacy routing for AI agents.

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x402engine

x402engine

Pay-per-call API platform for AI agents that verifies x402 stablecoin payments on-chain before executing API calls, offering production-grade endpoints priced for micropayments.

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Cleared

Cleared

BSA compliance API for AI agent payments -- screens every autonomous transaction for OFAC compliance and policy violations before payment clears, returning PROCEED/REVIEW/BLOCK decisions.

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Reveel

Reveel

Universal stablecoin payment infrastructure with Pay(ID) -- a human-readable identifier for receiving any stablecoin on any chain -- plus Reva AI agent for messaging-native payments.

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Visa

Visa

Visa Intelligent Commerce initiative enabling AI agents to transact on VisaNet with Trusted Agent Protocol for bot-vs-agent verification; predicts millions using agent purchases by 2026.

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AP2

AP2

Google-led open protocol for secure AI agent payments using cryptographically-signed "mandates" that verify user intent; supported by 60+ organizations including Mastercard, PayPal, and Adyen.

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Crossmint

Crossmint

Agentic payments infrastructure providing AI agents with wallets, virtual Visa cards, and stablecoin balances to pay for services across 1B+ items on Amazon, Shopify, and any guest checkout.

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Meridian

Meridian

Micropayment infrastructure protocol on Base implementing x402 and AP2, enabling instant payment splitting and per-API-call monetization for AI agents at fractions of a cent.

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x402

x402

Open internet-native payment protocol by Coinbase that revives HTTP 402 "Payment Required" to enable pay-per-use USDC micropayments for AI agents with sub-2-second settlement.

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machines.cash

machines.cash

Privacy-focused platform providing virtual Visa credit cards for humans and AI agents, with client-side AES-256 encryption, no KYC data storage, and agent skill support for Claude Code.

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ACP

ACP

Open standard co-developed by OpenAI and Stripe that defines how AI agents search products, build carts, and complete purchases on behalf of users (powers ChatGPT's Instant Checkout).

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Sponge

Sponge

YC W26 startup (ex-Stripe team) building financial rails for AI agents with Sponge Wallet and Sponge Gateway, enabling agents to hold fiat/crypto and autonomously execute payments.

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Stripe

Stripe

Launched the Agentic Commerce Suite with Shared Payment Tokens (SPTs) enabling AI agents to initiate payments without exposing credentials; co-developed the Agentic Commerce Protocol with OpenAI.

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BVNK

BVNK

Enterprise stablecoin payments infrastructure (acquired by Mastercard for ~$1.8B) processing $30B/year across 130+ countries; partnering with Google's AP2 for agent-to-agent transactions.

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Basis Theory

Basis Theory

PCI-compliant vault and tokenization platform enabling AI agents to securely access stored payment credentials for autonomous transactions. Launched basistheory.ai and formed the Agentic Commerce Consortium. Raised $50M Series B.

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Rye

Rye

Universal agentic checkout API enabling AI agents to purchase from 15,000+ merchants with 99.9% order reliability. Founded by ex-Reddit CEO and Twitch co-founder, backed by a16z crypto.

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Firmly

Firmly

Agentic commerce platform powering native checkout within AI experiences like Perplexity. One integration connects to Shopify, BigCommerce, Magento with live inventory and instant checkout.

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Lithic

Lithic

Virtual card issuing platform for AI agent payments with programmable spending controls, single-use cards for agent transactions, and Auth Stream Access for per-transaction rules.

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AgentCash

AgentCash

Payment platform enabling AI agents in Claude Desktop and Cursor to purchase paywalled data, tools, and API access via x402; one balance across multiple paid APIs with autonomous micropayments.

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Unicity Labs

Unicity Labs

Builds infrastructure for autonomous agentic marketplaces using peer-to-peer cryptographic objects; enables private negotiation and atomic settlement at 300M+ TPS with microcent fees. Raised $3M.

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Rain

Rain

Stablecoin-powered B2B card issuing infrastructure and Visa Principal Member. Enables companies and agentic platforms to issue cards settled in USDC, with $3B+ annualized volume.

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Explore Other Categories

User Interfaces

6 companies — where humans interact with agents

Discovery

10 companies — finding products & services

Payment Processors

30 companies — processing transactions

Identity & Trust

15 companies — who you are & can you be trusted

Agent Networks

5 companies — how agents connect & collaborate

Crypto Commerce

13 companies — buying & selling with crypto

Agent Frameworks & Tooling

36 companies — how agents are built

Stablecoins

3 companies — the money layer

Wallets & Tooling

13 companies — managing keys & agent wallets

Hosting / Cloud / Compute

19 companies — where agents run

Proprietary Models

6 companies — closed-source AI brains

Open Source Models

8 companies — self-hostable AI brains

Blockchains

19 companies — settlement & consensus

Standards & Protocols

12 companies — the foundation everything is built on

Agent Harness

12 companies — the agents themselves