🤖 The Financial Layer for AI Agents

Your agents can think.
Now let them pay.

AgentLayer gives every AI agent a cryptographic identity, delegated wallet, and spend policies — so they can transact autonomously, safely, and with full auditability.

Start for free → Read the docs

0.5%

Commission only

<200ms

Payment settlement

x402

Protocol support

100%

Auditable

The Problem

Payment systems weren't built for machines.

Traditional payment rails assume a human clicking "buy." AI agents can't open bank accounts, swipe cards, or pass 2FA. They're financially blind.

🚫

No autonomous payments

Agents hit a wall every time they need to pay for an API, dataset, or service. A human has to intervene.

🔓

No spend governance

When agents do get payment access, there are no limits, no rules, no audit trail. One rogue agent can drain your budget.

👻

No identity

Merchants can't verify who's paying. Is it a trusted agent or a rogue bot? There's no standard for agent identity.

The Solution

Everything your agents need to transact.

One API. Full governance. Real payments.

💳

Delegated Wallets

Every agent gets its own wallet with configurable spend limits. Per-transaction caps, daily limits, and automatic daily resets. Agents operate autonomously within their boundaries.

Spend policies

🔐

KYA — Know Your Agent

Each agent receives a cryptographic DID and an authority certificate. Trust scores evolve with transaction history. Merchants can verify agent identity in real-time before accepting payment.

Cryptographic identity

🔗

Multi-Agent Delegation

Agent A delegates a budget to Agent B, which delegates to Agent C. Each level has its own limits. The full authorization chain is immutably logged — who authorized what, when, and why.

Hierarchical governance

⚡

x402 Protocol

Native support for HTTP 402 payments. Agents pay for APIs and services automatically over HTTP in USDC — no accounts, no API keys, no manual setup. Settlement in under 200ms.

Machine-to-machine

🪝

Real-time Webhooks

Every event triggers an instant HMAC-signed webhook to your endpoint. Payment executed, blocked, wallet created, topup confirmed — you're always in the loop.

Signed notifications

📊

Enterprise Audit Logs

Every action is logged with its full authorization chain. Immutable, timestamped, exportable as CSV. Built to pass a bank audit from day one.

Compliance ready

How It Works

From zero to paying agents in 5 minutes.

Create a wallet for your agent

One API call. Your agent gets a wallet with spend limits, a cryptographic DID, and an authority certificate.

POST /api/wallets/create → agent_id + DID + certificate

Verify agent identity

Any merchant can verify your agent's identity and spend authority before accepting payment.

GET /kya/{agent_id}/verify → verified: true, trust_level: "verified"

Agent pays autonomously

Your agent calls the payment endpoint. AgentLayer enforces limits, logs the transaction, triggers webhooks, and sends you an email — automatically.

POST /api/pay → tx_id + balance_after + trust_score updated

Delegate to sub-agents

Need Agent A to hire Agent B? Delegate a budget with its own limits. The full chain is traceable.

POST /api/delegate → delegation_chain: [A → B → C]

Protocol Support

One API. Every protocol.

AgentLayer abstracts the complexity of emerging payment protocols. Your agents don't need to know which protocol is running underneath.

x402

Coinbase + Cloudflare

✓ Live

AP2

Google + Visa

Coming soon

MPP

Stripe + Tempo

Coming soon

Fiat

Stripe Connect

✓ Live

Pricing

Simple, usage-based pricing.

No fixed fees. AgentLayer scales with your transaction volume.

Integrator

€24k

per year + 0.5% per transaction

Up to 10 agents
Delegated wallets
KYA identity
Webhooks
Audit logs
Email support

Get started

Your agents can think. Now let them pay.