Agent Payment Explorer
March 2026

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)

$5.5B+

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

3,000x

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

<100ms

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

Dev Tools
MPP

Web search and deep research for agents. Search API, URL extraction, and multi-step research tasks. Founded by ex-Twitter CEO Parag Agrawal.

$0.01/search, $0.10-$0.30/task
$USDCCard
parallel.ai

Browserbase

Dev Tools
MPP

Cloud headless browser sessions. Agents spin up Puppeteer/Playwright browsers and pay per session for web automation.

$0.10-$0.12/hr per session
$USDCCard
browserbase.com

Alchemy

Dev Tools
MPP

Blockchain RPC and enhanced APIs across 50+ chains. Node access, NFT tooling, and transaction data at scale.

$0.40-$0.45/1M compute units
$USDCCard
alchemy.com

Dune Analytics

Data
MPP

SQL queries against blockchain data across 30+ chains. On-chain analytics, dashboards, and data exports via API.

$0.05/100 credits
$USDCCard
dune.com

Merit Systems (Echo)

AI Models
MPP

Unified AI model gateway. Access 100+ models (OpenAI, Anthropic, Gemini) through a single API with metered billing.

Pass-through + markup
$USDCCard
echo.merit.systems

Stripe Climate

Commerce
MPP

Programmatic carbon removal. Agents autonomously fund verified permanent carbon removal from the Frontier portfolio.

Variable (100% to removal)
$USDCCard
stripe.com

PostalForm

Commerce
MPP

Print and mail physical letters via USPS. Upload PDF or compose text, agents handle printing, enveloping, and mailing.

~$1-4/letter (postage incl.)
$USDCCard
postalform.com

Prospect Butcher Co.

Commerce
MPP

Physical food ordering in NYC. Agents order sandwiches and deli items for human pickup or delivery in Brooklyn.

Menu pricing
Card
prospectbutcher.com

Lightspark

Dev Tools
MPP

Lightning Network payment rail for MPP. Enables agents to pay for services using Bitcoin with near-instant settlement.

0.15-0.50% per txn
Lightning
lightspark.com

OpenRouter

AI Models
MPP

Day-one MPP partner. Unified LLM gateway with 200+ models. Pay per token across OpenAI, Anthropic, Gemini, Llama, Mistral.

Per-token (model varies)
$USDCCard
openrouter.ai

fal.ai

AI Models
MPP

Image and video generation via MPP. Run Flux, SDXL, and custom models. Pay per generation with sub-second inference.

~$0.01-0.05/image
$USDCCard
fal.ai

Anthropic (via MPP)

AI Models
MPP

Claude models accessible via MPP Sessions. Stream micropayments per token. Design partner since October 2025.

Per-token (model varies)
$USDCCard
docs.anthropic.com

OpenAI (via MPP)

AI Models
MPP

GPT-4o, o3, and DALL-E via MPP micropayments. Stripe-native integration with Shared Payment Tokens.

Per-token (model varies)
$USDCCard
platform.openai.com

Privy

Infra
MPP

Programmable wallet infrastructure for MPP agents. Stripe-owned. Embedded wallets, passkey auth, and fiat on-ramps.

Free tier available
$USDCCard
privy.io

Cloudflare MPP Proxy

Dev Tools
MPP

Open-source MPP proxy Worker. Add pay-per-use to any Cloudflare Worker. Also co-founder of x402 Foundation.

Self-hosted (free)
$USDC
github.com

Klarna (KlarnaUSD)

Infra
MPP

First bank-issued stablecoin on Tempo. KlarnaUSD enables BNPL for agent purchases. Built on Bridge Open Issuance.

BNPL terms apply
$USDCCard
klarna.com

Cloudflare Pay-per-Crawl

Dev ToolsBase
x402

Web crawling with per-page payments. Site owners set crawl prices; agents pay USDC per page accessed. Co-founder of x402 Foundation.

Min $0.01/page crawl
$USDC
developers.cloudflare.com

Neynar

DataBase
x402

Farcaster social graph API. Query casts, profiles, channels, and social data. Keyless access via x402 micropayments.

$0.01/request
$USDC
neynar.com

Token Metrics

DataBase, Solana
x402

AI-powered crypto analytics. Token ratings, price predictions, and trading signals. 10% discount with TMAI token.

$0.017-$0.068/call
$USDC
tokenmetrics.com

Hyperbolic

ComputeBase
x402

GPU inference via x402 micropayments. Access LLMs and image models on H100s. Pay per token, no account needed.

$0.04-$4/M tokens
$USDC
hyperbolic.ai

SIBYL

DataBase
x402

Crypto token intelligence. Token scoring, rug/honeypot detection, and builder velocity vs. market cap analysis.

$0.02-$0.10/query
$USDC
sibylcap.com

ShieldAPI

Dev ToolsBase
x402

Security intelligence. 9 endpoints for breach checks, URL safety, prompt injection detection. MCP server available.

$0.001-$0.02/call
$USDC
shield.vainplex.dev

Harvey Intel

DataSolana
x402

Solana token rug pull detection via DrainBrain ML. 8 tools for trading signals and social intelligence.

$0.005-$0.05/call
$USDC
agents.rugslayer.com

Harvey Tools

AI ModelsSolana
x402

Web scraping, screenshots, structured extraction, code review, and sentiment analysis. 8 pay-per-call endpoints.

$0.005-$0.05/call
$USDC
tools.rugslayer.com

GPU-Bridge

ComputeBase
x402

30-service GPU inference gateway. LLMs, image generation, embeddings, speech-to-text, and TTS models.

$0.0002-$0.001/call
$USDC
gpubridge.xyz

Intelligence Aeternum

MediaBase
x402

2M+ museum artworks with metadata and provenance. AI image upscaling, metadata creation, and enrichment tools.

$0.04-$0.20/call
$USDC
github.com

KevinBot API

AI ModelsBase
x402

20 utility endpoints: web search, SEO analysis, email validation, QR generation, plus live crypto trading signals.

$0.001-$0.02/call
$USDC
github.com

AskClaude

AI ModelsBase
x402

Pay-per-question Claude AI. Choose Haiku, Sonnet, or Opus. No account or API key required, just USDC.

$0.01/$0.03/$0.10 per Q
$USDC
askclaude.shop

Pinata

Dev ToolsBase
x402

Account-free IPFS uploads and retrievals. Store and fetch files on IPFS, pay per operation with USDC.

Per-operation USDC
$USDC
402.pinata.cloud

Firecrawl

Dev ToolsBase
x402

Web scraping to LLM-ready markdown. Turn any URL into clean, structured data for AI consumption.

Per-scrape USDC
$USDC
firecrawl.dev

CoinGecko

DataBase, Solana
x402

Comprehensive crypto data API via x402. Token prices, market data, exchanges, and trending coins.

$0.01/request
$USDC
coingecko.com

Messari

DataBase
x402

Institutional crypto research data layer. Protocol metrics, governance data, and market intelligence for agents.

Per-query USDC
$USDC
messari.io

MoonMaker API

DataBase
x402

11 crypto signal and DeFi analytics endpoints. On-chain signals, yield data, and market momentum indicators.

$0.02-$0.10/call
$USDC
api.moonmaker.cc

Robtex

Dev ToolsBase
x402

Network intelligence with 50+ DNS, IP, and ASN endpoints. Domain analysis, WHOIS, and infrastructure mapping.

Per-query USDC
$USDC
x402.robtex.com

DiamondClaws

DataBase
x402

DeFi yield scoring across 17K+ pools. Risk-adjusted yield rankings and opportunity detection for agents.

$0.0005-$0.002/req
$USDC
diamondclaws.io

Bitrefill

CommerceBase, Solana
x402

Gift cards, mobile top-ups, and eSIMs. Agents purchase digital goods for humans using USDC micropayments.

Face value + fee
$USDC
bitrefill.com

zeroreader AI

AI ModelsBase
x402

29 Cloudflare Workers AI models accessible via x402. Inference on text, image, and code models, no account needed.

$0.001-$0.015/req
$USDC
api.zeroreader.com

Augur Risk

Dev ToolsBase
x402

Smart contract bytecode risk scoring. Automated security analysis for DeFi protocols and token contracts.

$0.10/analysis
$USDC
augurrisk.com

BlockRun.AI

AI ModelsBase
x402

Pay-as-you-go AI model gateway. Access ChatGPT and major LLMs via USDC, no subscription required.

Per-query USDC
$USDC
blockrun.ai

Etsy Marketplace

Commerce
ACP

US Etsy sellers live on ChatGPT Instant Checkout. Browse, compare, and buy handmade and vintage items via ACP.

~4% service fee
Card
openai.com

Shopify Merchants

Commerce
ACP

Glossier, SKIMS, Spanx, Vuori, and more. 1M+ Shopify storefronts accessible via ChatGPT with Stripe checkout.

4% + Stripe fees (~9.2%)
Card
shopify.dev

Walmart

Commerce
ACP

Apparel, entertainment, packaged foods, and Sam's Club. Agent-initiated purchases through ACP checkout flow.

Stripe processing
Card
walmart.com

PayPal ACP Server

Commerce
ACP

Tens of millions of PayPal small businesses connected to ChatGPT. Checkout via PayPal wallet, bank, or cards.

PayPal processing
Card
paypal.com

Google UCP Checkout

Commerce
AP2

Live checkout with Etsy and Wayfair in Google AI Mode and Gemini app. AP2 handles payment authorization via Mandates.

0% merchant fee (current)
Card$USDC
ucp.dev

Coinbase x402 Bridge

Dev ToolsBase
AP2

First stablecoin extension to AP2. Enables USDC micropayments within Google agent transaction framework on Base.

Free tier: 1K txn/mo
$USDC
docs.cdp.coinbase.com

Tempo

Infra
MPP

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.

<$0.001/txn
$USDC
tempo.xyz

Skyfire

InfraBase, Polygon
x402

Agent identity (KYA) + multi-rail payment wallets. USD/USDC agent wallets with programmable spend limits. Backed by a16z, Coinbase Ventures.

2-3% per transaction
$USDCCard
skyfire.xyz

Nevermined

InfraBase
x402

Protocol-agnostic AI billing infrastructure. x402 facilitator, usage metering, and credit-based system. 1.38M transactions processed.

Free to start, per-txn
$USDC
nevermined.ai

Payman AI

Infra
x402

AI-to-human payments. Agents pay humans for tasks with policy engine, spend limits, and approval workflows. Backed by Visa, Coinbase.

Per-transaction
$USDCCard
paymanai.com

Ramp Agent Cards

Infra
MPP

Virtual corporate cards for AI agents. Per-agent spend limits, merchant controls, and real-time policy enforcement on Visa network.

Standard Ramp pricing
Card
ramp.com

Kite AI

Infra
AP2

L1 blockchain for AI agent payments. State channels for micropayments ($1/million requests). $33M raised from PayPal, Coinbase.

Sub-cent per txn
$USDC
gokite.ai

PayAI Network

InfraSolana, Base
x402

Solana-first x402 facilitator across 16+ networks. Also runs Freelance AI marketplace where agents hire each other.

1K txn free, then $0.001/txn
$USDC
payai.network

Visa Trusted Agent Protocol

Infra
MPP

Open framework for agent identity verification. Cryptographic proof of agent intent. 100+ partners, 30+ in sandbox.

Free (open spec)
Card
developer.visa.com

Mastercard Agent Pay

Infra
ACP

Agentic Tokens for AI agents on Mastercard network. First live payment with Santander (EU) and Axis Bank (India). No-code merchant integration.

Network processing
Card
mastercard.com

thirdweb Nexus

InfraBase
x402

x402 support + Nexus discovery/reputation layer. Agents discover, evaluate, and pay for API services with any token.

Per-call (any token)
$USDC
thirdweb.com

Instacart

Commerce
ACP

Recipe-to-grocery checkout in ChatGPT. First ACP Instant Checkout App. Multi-item cart with 1-hour delivery via Kroger, Safeway, Wegmans.

Service + delivery fees
Card
instacart.com

DoorDash

Commerce
ACP

Grocery shopping via ChatGPT. Recipe-to-order flow with delivery from Kroger, Safeway, Albertsons. Also an MPP design partner.

Delivery fees apply
Card
doordash.com

Target

Commerce
ACP

In-chat retail commerce. Apparel, home, electronics, and groceries accessible via ChatGPT Instant Checkout.

Stripe processing
Card
target.com

dTelecom STT

AI ModelsBase
x402

Real-time speech-to-text in 99+ languages. Dual-engine (Parakeet-TDT + Whisper) with x402 micropayments.

$0.005/min
$USDC
x402stt.dtelecom.org

DeFi Intelligence API

DataBase
x402

26 endpoints covering DeFi security, bridge monitoring, yield analytics, and cross-chain token data.

$0.005-$0.01/call
$USDC
defi.hugen.tokyo

Rug Munch Intelligence

DataBase
x402

AI crypto risk scoring with 19 endpoints. Token audit, whale alerts, social sentiment, and honeypot detection.

$0.02-$2.00/call
$USDC
cryptorugmunch.app

Arch AI Tools

AI ModelsBase
x402

53 AI-powered tools via x402. Text, image, code, and data processing endpoints. No account required.

Per-call USDC
$USDC
archtools.dev

CrossFin

DataBase
x402

Korean financial market data via x402. 15 APIs covering Kimchi Premium, KOSPI, Bithumb, Upbit, and FX rates.

Per-call USDC
$USDC
crossfin.xyz

Wayfair

Commerce
AP2

Furniture and home goods via Google AI Mode and Gemini. Live AP2 checkout with UCP product catalog integration.

0% merchant fee
Card
wayfair.com

Best Buy

Commerce
AP2

Electronics and appliances via Google UCP. Product discovery and checkout in Google AI surfaces.

0% merchant fee
Card
bestbuy.com

Protocol Comparison

Four protocols competing to become the payment layer for the machine economy

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