{"name":"The Agent Economy payment rails","description":"Alphabetical payment rail listings and the rules for the payment rail picker. Sponsor records and adoption figures are not match inputs.","license":"CC BY 4.0","license_url":"https://creativecommons.org/licenses/by/4.0/","dateModified":"2026-10-21","attribution":"The Agent Economy payment rails (https://theagenteconomy.si/data/payment-rails.json), licensed under CC BY 4.0.","distribution":"https://theagenteconomy.si/data/payment-rails.json","order":"alphabetical by listing name","excluded_inputs":["sponsor records","adoption figures"],"rules":{"parameters":["pay","rail","control","micro","oss","status"],"order":"alphabetical by listing name","excluded_inputs":["sponsor records","adoption figures"],"questions":[{"key":"pay","prompt":"Who does the agent pay?","options":[{"value":"","label":"No preference"},{"value":"merchant","label":"A merchant"},{"value":"agent","label":"Another agent"},{"value":"api","label":"An API"}]},{"key":"rail","prompt":"Which instrument?","options":[{"value":"","label":"No preference"},{"value":"cards","label":"Cards"},{"value":"stablecoins","label":"Stablecoins"},{"value":"lightning","label":"Lightning"}]},{"key":"control","prompt":"Spend limit or approval?","options":[{"value":"","label":"No preference"},{"value":"limit","label":"Spend limit"},{"value":"approval","label":"Approval step"},{"value":"either","label":"Spend limit or approval"}]},{"key":"micro","prompt":"Per request charge?","options":[{"value":"","label":"No preference"},{"value":"yes","label":"Needed"}]},{"key":"oss","prompt":"Open source?","options":[{"value":"","label":"No preference"},{"value":"yes","label":"Open source only"}]},{"key":"status","prompt":"Listing status?","options":[{"value":"","label":"Any status"},{"value":"live","label":"Live only"}]}],"ordering":["Candidates are listings in the payment rails category. Listings in other categories are left out.","Each answered question adds one match or zero. No preference and Any status add zero. One listing can gain at most one match from one question.","Merchant checkout matches the checkout tag, or a summary that contains the word merchant or the word checkout.","Agent to agent matches a summary that contains A2A.","An API matches the tag http-402, pay-per-call, or metering.","Cards, stablecoins, and Lightning match the tags cards, stablecoins, and lightning.","Spend limit matches the tag spend-limits.","An approval step matches a summary that contains an approval word or 2FA.","Spend limit or approval matches when either of those two checks match. The question still adds one match.","Per request matches the tag pay-per-call or metering, or a summary that contains per call, per API call, per payment, or per request. The tag http-402 alone does not match this question. Listings do not state a payment size, so this check is not a price filter.","Open source only matches an open_source value of true.","Live only matches a status of live.","The match list includes a listing only when it matches every answered question. A listing that misses an answer is left off that list and shown under Does not match, with the check it failed.","The order of the match list and the does not match list is alphabetical by listing name. With no answers set, every payment rail listing is in the match list in that same order.","The stored reason repeats that listing's summary, then names the tag, field, or summary word that matched. It adds no other claim. The page also shows one shorter line that names only the match, or only the failed check.","Adoption rows are copied from that listing's adoption block and add no matches. A row with no figure reads None published. If both sides have no figure, the block reads None published.","Sponsor records and sponsor payment links are not read.","Buyer region and compliance programs are not fields on these listings, so they are not questions.","The same answers are query parameters named pay, rail, control, micro, oss, and status. A GET request returns both lists in the HTML. The payment rails JSON file reads those same parameters and returns both lists."],"predicates":{"pay":{"merchant":{"label":"merchant checkout","any":[{"tags_include":"checkout"},{"summary_word":"merchant"},{"summary_word":"checkout"}]},"agent":{"label":"agent to agent","summary_word":"A2A"},"api":{"label":"an API","any_tags":["http-402","pay-per-call","metering"]}},"rail":{"cards":{"label":"cards","tag":"cards"},"stablecoins":{"label":"stablecoins","tag":"stablecoins"},"lightning":{"label":"Lightning","tag":"lightning"}},"control":{"limit":{"label":"spend limit","tag":"spend-limits"},"approval":{"label":"an approval step","any":[{"summary_word_prefix":"approv"},{"summary_word":"2FA"}]},"either":{"label":"spend limit or approval","any_of":["limit","approval"],"counts_as":1}},"micro":{"label":"a per request charge","any_tags":["pay-per-call","metering"],"summary_phrases":["per api call","per call","per payment","per request"],"not_sufficient":["http-402"],"note":"Listings do not state a payment size, so this check is not a price filter."},"oss":{"label":"open source","field":"open_source","equals":true},"status":{"label":"live status","field":"status","equals":"live"},"empty_option_adds_no_match":true,"match_rule":"A listing is a match only when every answered question matches. Each answered question adds at most one match."}},"listings":[{"name":"Agent Vault","slug":"agent-vault","category":"payment-rails","tags":["cards","spend-limits","checkout"],"summary":"Self Labs product that gives an agent mock card and login tokens. A proxy checks the account holder's rules, then types the real value into the merchant page. The agent does not hold the card number.","status":"live","open_source":false,"repo_url":null,"website":"https://agentvault.io/","docs":"https://docs.agentvault.io/","last_verified":"2026-10-20","sources":[{"title":"What is Agent Vault","url":"https://docs.agentvault.io/"},{"title":"How Agent Vault checkout works","url":"https://docs.agentvault.io/get-started/how-it-works"}]},{"name":"AP2","slug":"ap2","category":"payment-rails","tags":["mandates","cards","stablecoins"],"summary":"Open payment extension for A2A and UCP that records checkout and payment authorization as signed mandates. Public samples exist while FIDO continues the standards work.","status":"beta","open_source":true,"repo_url":"https://github.com/google-agentic-commerce/AP2","website":"https://ap2-protocol.org/","docs":"https://ap2-protocol.org/","last_verified":"2026-10-19","sources":[{"title":"AP2 protocol documentation","url":"https://ap2-protocol.org/"},{"title":"Google Cloud announcement of AP2","url":"https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol"},{"title":"AP2 v0.2.0 release on GitHub","url":"https://github.com/google-agentic-commerce/AP2/releases/tag/v0.2.0"}]},{"name":"Coinbase Agentic Wallet","slug":"coinbase-agentic-wallet","category":"payment-rails","tags":["wallets","stablecoins","http-402","spend-limits"],"summary":"Wallet for agents on Coinbase Developer Platform. The agent holds USDC, sends, trades, and pays x402 services through the awal CLI and skills, under per session and per transaction caps, while keys stay in Coinbase infrastructure. The MCP version is labeled beta.","status":"live","open_source":false,"repo_url":null,"website":"https://www.coinbase.com/developer-platform/products/agentic-wallets","docs":"https://docs.cdp.coinbase.com/agentic-wallet/welcome","last_verified":"2026-10-19","sources":[{"title":"Coinbase Agentic Wallet documentation overview","url":"https://docs.cdp.coinbase.com/agentic-wallet/welcome"},{"title":"Coinbase Agentic Wallet CLI documentation","url":"https://docs.cdp.coinbase.com/agentic-wallet/cli/welcome"},{"title":"Coinbase launch post: Introducing Agentic Wallets (Feb 11, 2026)","url":"https://www.coinbase.com/developer-platform/discover/launches/agentic-wallets"}]},{"name":"Hedera Agent Accounts","slug":"hedera-agent-accounts","category":"payment-rails","tags":["wallets","spend-limits"],"summary":"Owner funded spending account on Hedera. The owner sets a daily cap, a per transaction maximum, and a recipient allowlist in a smart contract, and can revoke the agent. Hedera says public testnet access is still forthcoming.","status":"designed","open_source":false,"repo_url":null,"website":"https://hedera.com/agent-accounts/","docs":"https://hedera.com/blog/introducing-hedera-agent-accounts/","last_verified":"2026-10-19","sources":[{"title":"Introducing Hedera Agent Accounts","url":"https://hedera.com/blog/introducing-hedera-agent-accounts/"}]},{"name":"L402","slug":"l402","category":"payment-rails","tags":["http-402","lightning","macaroons"],"summary":"HTTP 402 flow that returns a bearer token, recommended as a macaroon, bound to a Lightning invoice by its payment hash. The client pays, then presents the preimage so the server can check payment without a lookup.","status":"live","open_source":true,"repo_url":"https://github.com/lightninglabs/aperture","website":"https://docs.lightning.engineering/the-lightning-network/l402","docs":"https://docs.lightning.engineering/the-lightning-network/l402","last_verified":"2026-10-21","sources":[{"title":"Lightning Labs L402 documentation","url":"https://docs.lightning.engineering/the-lightning-network/l402"}]},{"name":"Machine Payments Protocol","slug":"mpp","category":"payment-rails","tags":["http-402","cards","stablecoins"],"summary":"Open HTTP 402 protocol, co-authored by Stripe and Tempo, so an agent can authorize payment for an API with a card or a stablecoin and receive a receipt.","status":"live","open_source":true,"repo_url":"https://github.com/tempoxyz/mpp","website":"https://mpp.dev/","docs":"https://docs.stripe.com/payments/machine/mpp","last_verified":"2026-10-16","sources":[{"title":"MPP protocol site","url":"https://mpp.dev/"},{"title":"Stripe documentation for MPP","url":"https://docs.stripe.com/payments/machine/mpp"}]},{"name":"Mastercard Agent Pay for Machines","slug":"mastercard-agent-pay","category":"payment-rails","tags":["http-402","spend-limits"],"summary":"Mastercard payment layer built on x402. An agent pays for metered services by signing a payment voucher after an HTTP 402 challenge, inside a spending limit set by its principal. Early Access opened on 2026-10-20 and is a pilot, not available commercially. Cloudflare Connect pilot settled on Base.","status":"beta","open_source":false,"repo_url":null,"website":"https://www.mastercard.com/global/en/business/payments/consumer-payments/next-gen-payments/digital-asset-solutions/cloudflare-connect-2026.html","docs":"https://www.mastercard.com/global/en/news-and-trends/press/2026/october/Mastercard-Agent-Pay-for-Machines-in-action.html","last_verified":"2026-10-21","sources":[{"title":"Mastercard Agent Pay for Machines Early Access","url":"https://www.mastercard.com/global/en/business/payments/consumer-payments/next-gen-payments/digital-asset-solutions/cloudflare-connect-2026.html"},{"title":"Mastercard Agent Pay for Machines at Cloudflare Connect, 2026-10-20","url":"https://www.mastercard.com/global/en/news-and-trends/press/2026/october/Mastercard-Agent-Pay-for-Machines-in-action.html"}]},{"name":"MetaMask Agent Wallet","slug":"metamask-agent-wallet","category":"payment-rails","tags":["wallets","spend-limits","http-402"],"summary":"Agent wallet CLI for sending tokens and paying x402 requests. Guard Mode can enforce address and recipient allowlists and a rolling 24 hour outflow limit, and it asks for 2FA outside that policy.","status":"live","open_source":false,"repo_url":null,"website":"https://docs.metamask.io/agent-wallet/cli-setup/","docs":"https://docs.metamask.io/agent-wallet/reference/trading-modes/","last_verified":"2026-10-19","sources":[{"title":"MetaMask Agent Wallet trading modes","url":"https://docs.metamask.io/agent-wallet/reference/trading-modes/"},{"title":"MetaMask Agent Wallet outflow policy","url":"https://docs.metamask.io/agent-wallet/reference/outflow-policy/"}]},{"name":"Nevermined","slug":"nevermined","category":"payment-rails","tags":["http-402","metering","cards"],"summary":"Payments facilitator that verifies and settles x402 and MPP charges against a payment plan, with metering and delegated card spending.","status":"live","open_source":false,"repo_url":null,"website":"https://nevermined.ai/","docs":"https://nevermined.ai/docs/products/payments-facilitator/overview","last_verified":"2026-10-21","sources":[{"title":"Nevermined payments facilitator","url":"https://nevermined.ai/docs/products/payments-facilitator/overview"}]},{"name":"Polygon Agent CLI","slug":"polygon-agent-cli","category":"payment-rails","tags":["wallets","spend-limits","http-402"],"summary":"Agent CLI with an embedded smart wallet. Session mode spends only inside an allowance the owner approves, x402 payments can be capped per call, and session logout revokes that install.","status":"live","open_source":true,"repo_url":"https://github.com/0xPolygon/polygon-agent-cli","website":"https://docs.polygon.technology/payment-services/agentic-payments/cli","docs":"https://agentconnect.polygon.technology/references/cli-reference.md","last_verified":"2026-10-19","sources":[{"title":"Polygon Agent CLI reference","url":"https://agentconnect.polygon.technology/references/cli-reference.md"},{"title":"Polygon Agent CLI package","url":"https://www.npmjs.com/package/@polygonlabs/agent-cli"}]},{"name":"Skyfire","slug":"skyfire","category":"payment-rails","tags":["wallets","identity","kya"],"summary":"Issues signed KYAPay tokens that bind an agent identity to a payment the buyer has committed, which the seller charges after delivery.","status":"live","open_source":false,"repo_url":null,"website":"https://skyfire.xyz/","docs":"https://docs.skyfire.xyz/docs/kyapay-tokens","last_verified":"2026-10-16","sources":[{"title":"Skyfire KYAPay token documentation","url":"https://docs.skyfire.xyz/docs/kyapay-tokens"},{"title":"Skyfire payments and settlement","url":"https://docs.skyfire.xyz/docs/payments-settlement"}]},{"name":"Stripe link-cli","slug":"stripe-link-cli","category":"payment-rails","tags":["cards","spend-limits","http-402"],"summary":"CLI for an agent to request a card purchase or a Machine Payments Protocol charge. Link asks the customer to approve the spend request, then returns a one time payment credential.","status":"live","open_source":true,"repo_url":"https://github.com/stripe/link-cli","website":"https://github.com/stripe/link-cli","docs":"https://docs.stripe.com/agentic-commerce/agents/link-agent-wallet/use-link-wallet-pay-online","last_verified":"2026-10-19","sources":[{"title":"stripe/link-cli README","url":"https://github.com/stripe/link-cli/blob/main/README.md"},{"title":"Enable agents to spend","url":"https://docs.stripe.com/agentic-commerce/agents/link-agent-wallet/use-link-wallet-pay-online"}]},{"name":"Sui Agentic Payments","slug":"sui-agentic-payments","category":"payment-rails","tags":["http-402","spend-limits","stablecoins"],"summary":"Testnet gateway where an agent pays per API call in USDC on Sui. The owner sets an onchain grant with allowed services, a total budget, a per payment cap, and an expiry, and can revoke it.","status":"beta","open_source":false,"repo_url":null,"website":"https://www.sui.io/agentpayments","docs":"https://www.sui.io/agentpayments","last_verified":"2026-10-19","sources":[{"title":"Sui Agent Payments","url":"https://www.sui.io/agentpayments"}]},{"name":"Tempo Wallet","slug":"tempo-wallet","category":"payment-rails","tags":["wallets","http-402","spend-limits"],"summary":"Wallet and CLI that let an agent discover paid services, preview MPP terms, and pay under a max spend cap.","status":"live","open_source":false,"repo_url":null,"website":"https://tempo.xyz/","docs":"https://tempo.xyz/developers/docs/wallet/recipes","last_verified":"2026-10-19","sources":[{"title":"Tempo Wallet agent documentation","url":"https://tempo.xyz/developers/docs/wallet/recipes"},{"title":"Tempo guide to paying with the CLI","url":"https://tempo.xyz/developers/docs/guide/machine-payments/agent"}]},{"name":"x402","slug":"x402","category":"payment-rails","tags":["http-402","stablecoins","pay-per-call"],"summary":"Open HTTP payment standard. A server answers with status 402, the client pays and retries, and a facilitator can verify and settle the payment.","status":"live","open_source":true,"repo_url":"https://github.com/x402-foundation/x402","website":"https://x402.org/","docs":"https://docs.cdp.coinbase.com/x402/welcome","last_verified":"2026-10-16","sources":[{"title":"x402 site","url":"https://x402.org/"},{"title":"Coinbase documentation for how x402 works","url":"https://docs.cdp.coinbase.com/x402/how-it-works"}]}],"query":{"pay":"","rail":"","control":"","micro":"","oss":"","status":""},"results":{"order":"alphabetical by listing name","asked":0,"matches":[{"slug":"agent-vault","name":"Agent Vault","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Self Labs product that gives an agent mock card and login tokens. A proxy checks the account holder's rules, then types the real value into the merchant page. The agent does not hold the card number.","status":"live","open_source":false,"tags":["cards","spend-limits","checkout"],"last_verified":"2026-10-20","listing_url":"https://theagenteconomy.si/listings/agent-vault"},{"slug":"ap2","name":"AP2","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Open payment extension for A2A and UCP that records checkout and payment authorization as signed mandates. Public samples exist while FIDO continues the standards work.","status":"beta","open_source":true,"tags":["mandates","cards","stablecoins"],"last_verified":"2026-10-19","listing_url":"https://theagenteconomy.si/listings/ap2"},{"slug":"coinbase-agentic-wallet","name":"Coinbase Agentic Wallet","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Wallet for agents on Coinbase Developer Platform. The agent holds USDC, sends, trades, and pays x402 services through the awal CLI and skills, under per session and per transaction caps, while keys stay in Coinbase infrastructure. The MCP version is labeled beta.","status":"live","open_source":false,"tags":["wallets","stablecoins","http-402","spend-limits"],"last_verified":"2026-10-19","listing_url":"https://theagenteconomy.si/listings/coinbase-agentic-wallet"},{"slug":"hedera-agent-accounts","name":"Hedera Agent Accounts","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Owner funded spending account on Hedera. The owner sets a daily cap, a per transaction maximum, and a recipient allowlist in a smart contract, and can revoke the agent. Hedera says public testnet access is still forthcoming.","status":"designed","open_source":false,"tags":["wallets","spend-limits"],"last_verified":"2026-10-19","listing_url":"https://theagenteconomy.si/listings/hedera-agent-accounts"},{"slug":"l402","name":"L402","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"HTTP 402 flow that returns a bearer token, recommended as a macaroon, bound to a Lightning invoice by its payment hash. The client pays, then presents the preimage so the server can check payment without a lookup.","status":"live","open_source":true,"tags":["http-402","lightning","macaroons"],"last_verified":"2026-10-21","listing_url":"https://theagenteconomy.si/listings/l402"},{"slug":"mpp","name":"Machine Payments Protocol","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Open HTTP 402 protocol, co-authored by Stripe and Tempo, so an agent can authorize payment for an API with a card or a stablecoin and receive a receipt.","status":"live","open_source":true,"tags":["http-402","cards","stablecoins"],"last_verified":"2026-10-16","listing_url":"https://theagenteconomy.si/listings/mpp"},{"slug":"mastercard-agent-pay","name":"Mastercard Agent Pay for Machines","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Mastercard payment layer built on x402. An agent pays for metered services by signing a payment voucher after an HTTP 402 challenge, inside a spending limit set by its principal. Early Access opened on 2026-10-20 and is a pilot, not available commercially. Cloudflare Connect pilot settled on Base.","status":"beta","open_source":false,"tags":["http-402","spend-limits"],"last_verified":"2026-10-21","listing_url":"https://theagenteconomy.si/listings/mastercard-agent-pay"},{"slug":"metamask-agent-wallet","name":"MetaMask Agent Wallet","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Agent wallet CLI for sending tokens and paying x402 requests. Guard Mode can enforce address and recipient allowlists and a rolling 24 hour outflow limit, and it asks for 2FA outside that policy.","status":"live","open_source":false,"tags":["wallets","spend-limits","http-402"],"last_verified":"2026-10-19","listing_url":"https://theagenteconomy.si/listings/metamask-agent-wallet"},{"slug":"nevermined","name":"Nevermined","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Payments facilitator that verifies and settles x402 and MPP charges against a payment plan, with metering and delegated card spending.","status":"live","open_source":false,"tags":["http-402","metering","cards"],"last_verified":"2026-10-21","listing_url":"https://theagenteconomy.si/listings/nevermined"},{"slug":"polygon-agent-cli","name":"Polygon Agent CLI","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Agent CLI with an embedded smart wallet. Session mode spends only inside an allowance the owner approves, x402 payments can be capped per call, and session logout revokes that install.","status":"live","open_source":true,"tags":["wallets","spend-limits","http-402"],"last_verified":"2026-10-19","listing_url":"https://theagenteconomy.si/listings/polygon-agent-cli"},{"slug":"skyfire","name":"Skyfire","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Issues signed KYAPay tokens that bind an agent identity to a payment the buyer has committed, which the seller charges after delivery.","status":"live","open_source":false,"tags":["wallets","identity","kya"],"last_verified":"2026-10-16","listing_url":"https://theagenteconomy.si/listings/skyfire"},{"slug":"stripe-link-cli","name":"Stripe link-cli","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"CLI for an agent to request a card purchase or a Machine Payments Protocol charge. Link asks the customer to approve the spend request, then returns a one time payment credential.","status":"live","open_source":true,"tags":["cards","spend-limits","http-402"],"last_verified":"2026-10-19","listing_url":"https://theagenteconomy.si/listings/stripe-link-cli"},{"slug":"sui-agentic-payments","name":"Sui Agentic Payments","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Testnet gateway where an agent pays per API call in USDC on Sui. The owner sets an onchain grant with allowed services, a total budget, a per payment cap, and an expiry, and can revoke it.","status":"beta","open_source":false,"tags":["http-402","spend-limits","stablecoins"],"last_verified":"2026-10-19","listing_url":"https://theagenteconomy.si/listings/sui-agentic-payments"},{"slug":"tempo-wallet","name":"Tempo Wallet","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Wallet and CLI that let an agent discover paid services, preview MPP terms, and pay under a max spend cap.","status":"live","open_source":false,"tags":["wallets","http-402","spend-limits"],"last_verified":"2026-10-19","listing_url":"https://theagenteconomy.si/listings/tempo-wallet"},{"slug":"x402","name":"x402","matched":true,"matches":0,"asked":0,"line":"No answer is set, so this listing is included in alphabetical order.","reason":"Open HTTP payment standard. A server answers with status 402, the client pays and retries, and a facilitator can verify and settle the payment.","status":"live","open_source":true,"tags":["http-402","stablecoins","pay-per-call"],"last_verified":"2026-10-16","listing_url":"https://theagenteconomy.si/listings/x402"}],"misses":[]}}