What can your AI agent
spend money on?
A directory of real services that accept crypto micropayments from AI agents. Four protocols, hundreds of services, from GPU compute to physical mail.
Capital Deployed (12 Months)
Tempo $500M, Stripe/Bridge $1.1B, Mastercard/BVNK $1.8B, Kite $33M, Payman $13.8M. The payments stack is being rebuilt for machines.
Cheaper Than Card Rails
x402 on Base: ~$0.0001/txn vs Stripe's $0.30 + 2.9%. Tempo: <$0.001/txn with off-chain sessions. Micropayments that were impossible before.
MPP Session Latency
Sessions stream off-chain vouchers settled in a single on-chain txn. Pure CPU signature checks, not bottlenecked by blockchain throughput.
Avg Agent Payment
$0.20
131K daily x402 txns, avg $0.20 each
MPP Launch Services
100+
Anthropic, OpenAI, fal.ai, Alchemy, Dune...
Competing Protocols
4
Stripe vs Coinbase vs OpenAI vs Google
ACP Merchants
1M+
Shopify + Etsy + Walmart + Target + Instacart
Category
Protocol
65/65 services
Parallel Web Systems
Web search and deep research for agents. Search API, URL extraction, and multi-step research tasks. Founded by ex-Twitter CEO Parag Agrawal.
Browserbase
Cloud headless browser sessions. Agents spin up Puppeteer/Playwright browsers and pay per session for web automation.
Alchemy
Blockchain RPC and enhanced APIs across 50+ chains. Node access, NFT tooling, and transaction data at scale.
Dune Analytics
SQL queries against blockchain data across 30+ chains. On-chain analytics, dashboards, and data exports via API.
Merit Systems (Echo)
Unified AI model gateway. Access 100+ models (OpenAI, Anthropic, Gemini) through a single API with metered billing.
Stripe Climate
Programmatic carbon removal. Agents autonomously fund verified permanent carbon removal from the Frontier portfolio.
PostalForm
Print and mail physical letters via USPS. Upload PDF or compose text, agents handle printing, enveloping, and mailing.
Prospect Butcher Co.
Physical food ordering in NYC. Agents order sandwiches and deli items for human pickup or delivery in Brooklyn.
Lightspark
Lightning Network payment rail for MPP. Enables agents to pay for services using Bitcoin with near-instant settlement.
OpenRouter
Day-one MPP partner. Unified LLM gateway with 200+ models. Pay per token across OpenAI, Anthropic, Gemini, Llama, Mistral.
fal.ai
Image and video generation via MPP. Run Flux, SDXL, and custom models. Pay per generation with sub-second inference.
Anthropic (via MPP)
Claude models accessible via MPP Sessions. Stream micropayments per token. Design partner since October 2025.
OpenAI (via MPP)
GPT-4o, o3, and DALL-E via MPP micropayments. Stripe-native integration with Shared Payment Tokens.
Privy
Programmable wallet infrastructure for MPP agents. Stripe-owned. Embedded wallets, passkey auth, and fiat on-ramps.
Cloudflare MPP Proxy
Open-source MPP proxy Worker. Add pay-per-use to any Cloudflare Worker. Also co-founder of x402 Foundation.
Klarna (KlarnaUSD)
First bank-issued stablecoin on Tempo. KlarnaUSD enables BNPL for agent purchases. Built on Bridge Open Issuance.
Cloudflare Pay-per-Crawl
Web crawling with per-page payments. Site owners set crawl prices; agents pay USDC per page accessed. Co-founder of x402 Foundation.
Neynar
Farcaster social graph API. Query casts, profiles, channels, and social data. Keyless access via x402 micropayments.
Token Metrics
AI-powered crypto analytics. Token ratings, price predictions, and trading signals. 10% discount with TMAI token.
Hyperbolic
GPU inference via x402 micropayments. Access LLMs and image models on H100s. Pay per token, no account needed.
SIBYL
Crypto token intelligence. Token scoring, rug/honeypot detection, and builder velocity vs. market cap analysis.
ShieldAPI
Security intelligence. 9 endpoints for breach checks, URL safety, prompt injection detection. MCP server available.
Harvey Intel
Solana token rug pull detection via DrainBrain ML. 8 tools for trading signals and social intelligence.
Harvey Tools
Web scraping, screenshots, structured extraction, code review, and sentiment analysis. 8 pay-per-call endpoints.
GPU-Bridge
30-service GPU inference gateway. LLMs, image generation, embeddings, speech-to-text, and TTS models.
Intelligence Aeternum
2M+ museum artworks with metadata and provenance. AI image upscaling, metadata creation, and enrichment tools.
KevinBot API
20 utility endpoints: web search, SEO analysis, email validation, QR generation, plus live crypto trading signals.
AskClaude
Pay-per-question Claude AI. Choose Haiku, Sonnet, or Opus. No account or API key required, just USDC.
Pinata
Account-free IPFS uploads and retrievals. Store and fetch files on IPFS, pay per operation with USDC.
Firecrawl
Web scraping to LLM-ready markdown. Turn any URL into clean, structured data for AI consumption.
CoinGecko
Comprehensive crypto data API via x402. Token prices, market data, exchanges, and trending coins.
Messari
Institutional crypto research data layer. Protocol metrics, governance data, and market intelligence for agents.
MoonMaker API
11 crypto signal and DeFi analytics endpoints. On-chain signals, yield data, and market momentum indicators.
Robtex
Network intelligence with 50+ DNS, IP, and ASN endpoints. Domain analysis, WHOIS, and infrastructure mapping.
DiamondClaws
DeFi yield scoring across 17K+ pools. Risk-adjusted yield rankings and opportunity detection for agents.
Bitrefill
Gift cards, mobile top-ups, and eSIMs. Agents purchase digital goods for humans using USDC micropayments.
zeroreader AI
29 Cloudflare Workers AI models accessible via x402. Inference on text, image, and code models, no account needed.
Augur Risk
Smart contract bytecode risk scoring. Automated security analysis for DeFi protocols and token contracts.
BlockRun.AI
Pay-as-you-go AI model gateway. Access ChatGPT and major LLMs via USDC, no subscription required.
Etsy Marketplace
US Etsy sellers live on ChatGPT Instant Checkout. Browse, compare, and buy handmade and vintage items via ACP.
Shopify Merchants
Glossier, SKIMS, Spanx, Vuori, and more. 1M+ Shopify storefronts accessible via ChatGPT with Stripe checkout.
Walmart
Apparel, entertainment, packaged foods, and Sam's Club. Agent-initiated purchases through ACP checkout flow.
PayPal ACP Server
Tens of millions of PayPal small businesses connected to ChatGPT. Checkout via PayPal wallet, bank, or cards.
Google UCP Checkout
Live checkout with Etsy and Wayfair in Google AI Mode and Gemini app. AP2 handles payment authorization via Mandates.
Coinbase x402 Bridge
First stablecoin extension to AP2. Enables USDC micropayments within Google agent transaction framework on Base.
Tempo
L1 stablecoin blockchain for MPP. 10K+ TPS, sub-second finality, <$0.001/txn. No gas token -- fees in stablecoins. Team includes Farcaster founders + ex-Ethereum Foundation.
Skyfire
Agent identity (KYA) + multi-rail payment wallets. USD/USDC agent wallets with programmable spend limits. Backed by a16z, Coinbase Ventures.
Nevermined
Protocol-agnostic AI billing infrastructure. x402 facilitator, usage metering, and credit-based system. 1.38M transactions processed.
Payman AI
AI-to-human payments. Agents pay humans for tasks with policy engine, spend limits, and approval workflows. Backed by Visa, Coinbase.
Ramp Agent Cards
Virtual corporate cards for AI agents. Per-agent spend limits, merchant controls, and real-time policy enforcement on Visa network.
Kite AI
L1 blockchain for AI agent payments. State channels for micropayments ($1/million requests). $33M raised from PayPal, Coinbase.
PayAI Network
Solana-first x402 facilitator across 16+ networks. Also runs Freelance AI marketplace where agents hire each other.
Visa Trusted Agent Protocol
Open framework for agent identity verification. Cryptographic proof of agent intent. 100+ partners, 30+ in sandbox.
Mastercard Agent Pay
Agentic Tokens for AI agents on Mastercard network. First live payment with Santander (EU) and Axis Bank (India). No-code merchant integration.
thirdweb Nexus
x402 support + Nexus discovery/reputation layer. Agents discover, evaluate, and pay for API services with any token.
Instacart
Recipe-to-grocery checkout in ChatGPT. First ACP Instant Checkout App. Multi-item cart with 1-hour delivery via Kroger, Safeway, Wegmans.
DoorDash
Grocery shopping via ChatGPT. Recipe-to-order flow with delivery from Kroger, Safeway, Albertsons. Also an MPP design partner.
Target
In-chat retail commerce. Apparel, home, electronics, and groceries accessible via ChatGPT Instant Checkout.
dTelecom STT
Real-time speech-to-text in 99+ languages. Dual-engine (Parakeet-TDT + Whisper) with x402 micropayments.
DeFi Intelligence API
26 endpoints covering DeFi security, bridge monitoring, yield analytics, and cross-chain token data.
Rug Munch Intelligence
AI crypto risk scoring with 19 endpoints. Token audit, whale alerts, social sentiment, and honeypot detection.
Arch AI Tools
53 AI-powered tools via x402. Text, image, code, and data processing endpoints. No account required.
CrossFin
Korean financial market data via x402. 15 APIs covering Kimchi Premium, KOSPI, Bithumb, Upbit, and FX rates.
Wayfair
Furniture and home goods via Google AI Mode and Gemini. Live AP2 checkout with UCP product catalog integration.
Best Buy
Electronics and appliances via Google UCP. Product discovery and checkout in Google AI surfaces.
Protocol Comparison
Four protocols competing to become the payment layer for the machine economy
Machine Payments Protocol
Proposed as IETF spec. Revives HTTP 402 with "Sessions" -- agents pre-authorize spend limits, streaming off-chain vouchers that settle as single txns. Sub-100ms latency. Launched March 18, 2026.
Backers
Stripe, Tempo ($5B), Paradigm
Rails
Stablecoins, Cards, Lightning, BNPL
Services
100+
HTTP 402 Payment Required
Native HTTP payment protocol. Services return 402 status with price; agents sign EIP-712 gasless USDC transfers. Minimum viable payment: $0.001. 35M+ transactions on Solana alone.
Backers
Coinbase, Cloudflare
Rails
USDC on Base, Polygon, Solana
Services
80+
Agentic Commerce Protocol
E-commerce for AI agents. Powers ChatGPT Instant Checkout with Shared Payment Tokens. Live with Etsy, Walmart, Shopify brands. Apache 2.0 open source.
Backers
OpenAI, Stripe
Rails
Cards, Stripe Link, PayPal, BNPL
Services
1M+ merchants
Agent Payments Protocol
Cryptographic Mandates as tamper-proof digital contracts. Embedded in Google UCP. Live checkout with Etsy, Wayfair via Google AI Mode. 0% merchant fee.
Backers
Google (60+ partners)
Rails
Cards, USDC (via x402), Bank Transfers
Services
Live via UCP