Agentic Payments
Autonomous software agents initiating, negotiating, and settling payments without human-in-the-loop.
The newest rail in financial infrastructure. AI agents don't fill out forms, click through consent screens, or wait for batch windows. They negotiate price, verify counterparties, and settle — all in machine time. The compliance question: how do you KYC software?
7 PATHS
Coinbase · Cloudflare · CDP AgentKit · Base · Catena Labs · ACK Protocol · Circle · AP2 Spec · Visa · Partner Banks · Mastercard · Stripe · LLM Providers · USDC
None — single-regime rail
7 Paths
Machine-to-machine payments via HTTP 402 status code. Agent discovers price, pays in USDC, receives resource — no human in the loop. Coinbase Smart Wallet on Base; Cloudflare Worker compliance middleware at the edge.
Agent identity verification before any payment fires. KYA-first architecture from Catena Labs — ACK-ID attestation, ACK Rulebook capability envelopes, ACKReceipt audit trail. Settles USDC on Base.
Multi-agent payment protocol from Circle. Agents negotiate terms, discover counterparties, and settle autonomously.
Visa's infrastructure for moving tokenized assets across blockchains via existing card-network rails.
Mastercard's multi-token network connecting banks, fintechs, and blockchains for tokenized asset movement.
Stripe's agent-mode APIs enabling LLM-powered agents to initiate payments, manage subscriptions, and handle billing.
Circle's payment channel architecture for high-frequency agent settlements on USDC rails.
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