AgentPMT

Agent Payments

Agents Can't Spend Without Your Rules

Credit cards require your approval every time. Stablecoin payments run automatically but cannot exceed the contract limits you set.

See How It Works

Every card charge approved by you

Zero idle funds at risk

Contract-enforced stablecoin limits

Full audit trail on every payment

The Problem With Agent Payments Today

Most approaches force you to choose between two bad options. AgentPMT uses just-in-time funding so money only moves when a payment is actually needed.

Option A

One Wallet Per Agent

Fund each agent separately. Managing balances across dozens of wallets becomes an operational headache -- and idle funds sit exposed.

Option B

One Shared Wallet

Give every agent access to a single pool. Simpler, but any agent can drain the balance -- and a compromise exposes everything.

AgentPMT

Just-in-Time Funding

No pre-funded agent wallets. Money moves only when a payment is approved or when stablecoin spend stays inside your x402Direct smart-contract-enforced limits.

Learn more about x402

Two Payment Paths. Both Under Your Control.

Credit cards for human-approved purchases. x402Direct for autonomous stablecoin spend.

Credit Card Payments

Every charge requires your approval in the mobile app.

1
Agent requests a purchase
The request includes what it wants to buy and the total amount.
2
You get a push notification
The AgentPMT mobile app alerts you immediately.
3
Review and approve with biometrics
Confirm the merchant, item, and price. Face ID or fingerprint required.
4
Payment executes and confirms
Once approved, the charge runs. Card details never touch the agent.
Mobile app approval screen showing a purchase request with Approve and Deny buttons

Approve from your phone

Every card purchase shows the vendor, item, and total. Review the details and approve with biometrics -- or deny instantly.

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x402Direct Stablecoin Payments

Autonomous payments for digital services, enforced by smart contract limits.

1
You set limits once
Define caps, reset periods, and what the agent is allowed to pay for.
2
Agent pays for digital services
APIs, data, and tools -- payments run without interrupting you.
3
x402Direct enforces your rules
The contract checks limits cryptographically and blocks anything outside them.
4
Spend stays inside bounds
Budget limits are enforced by design, not by trust. No pre-funded pool to drain.
Dashboard budget control showing x402Direct spend limits, budget caps, and authorized tools

Set spend caps, reset periods, and authorized tools directly from your dashboard. No pre-funding required.

Learn more about x402Direct

Ready to let your agents pay safely?

Create a free account to set up budgets, configure spend limits, and start approving payments.

Why AgentPMT Beats the Alternatives

Can an agent overspend?

Funded Wallet
Yes -- idle balance exposed if compromised.
Human-in-the-Loop
No, but work stalls waiting for you.
AgentPMT
No. Card charges need approval; stablecoins are contract-capped.

Keeps agents productive

Funded Wallet
Yes, but risk grows with balance.
Human-in-the-Loop
No. You become the bottleneck.
AgentPMT
Yes. Stablecoins run autonomously; cards run when you approve.

Clear spending controls

Funded Wallet
Partial. Balance still sits exposed.
Human-in-the-Loop
Only through constant supervision.
AgentPMT
Set caps once, approve card charges when needed.

Worst-case exposure

Funded Wallet
Entire pre-funded balance.
Human-in-the-Loop
Low financial, high operational risk.
AgentPMT
Minimal. No idle pool; enforced limits + per-charge approval.

Security and Controls

Every layer of protection is designed so you can let agents work while you sleep.

Credit Card Protections

Mobile approval on every charge

Push notification with biometric confirmation before any credit card payment runs.

Card details never reach the agent

Agents request purchases but never see raw card numbers or CVVs.

Stablecoin Controls

Contract-enforced spend limits

x402Direct cryptographically enforces caps -- no trust assumptions.

Caps that prevent runaway spend

Even if an agent loops or errors, spending cannot exceed your limit.

Platform-Wide

Pause payments instantly

Stop new charges immediately without shutting down the entire workflow.

Full audit trail

Every request, approval, and payment is tracked in your dashboard.

Wallet guardrails settings showing per-transaction cap and allowed recipient controls

Set per-transaction caps and control which recipients your wallet can pay

Manage Everything From Your Dashboard

Configure budgets, set spend caps, authorize tools, and review every transaction in one place. The mobile app keeps you in control when you are away from your desk.

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Mobile app budgets screen showing active budgets and recent agent activity
Mobile app budget detail screen showing authorized tools and YOLO mode toggle

Turn On Agent Payments With Confidence

Approve card charges from your phone. Let stablecoins run inside contract-enforced limits. Your agents stay productive and your money stays safe.

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Learn About x402Direct

Frequently Asked Questions

How does x402Direct keep stablecoin spend inside my limits?

You set caps and reset periods once, and define which digital services your agent is allowed to pay for. The x402Direct smart contract checks every outbound payment against those rules before the transfer clears. A payment that would exceed a cap, or that targets a merchant outside the allowlist, is rejected on-chain with a human-readable reason.

Because the rules live in the contract rather than in agent code, changing an agent prompt cannot bypass them. You can update limits at any time from the dashboard, and each change is written to the audit trail with the actor and the new limit.

What happens to a paused wallet when an agent tries to spend?

A paused wallet short-circuits every outbound transfer. The x402Direct contract never receives the request, the agent sees a rejected response with a human-readable reason, and the Audit Trail records who paused the wallet, when, and which agent attempted the transfer. Your USDC balance is unchanged.

Pausing a wallet takes one click in the Wallets tab. Unpausing takes one click as well. Both actions are reversible and written as append-only audit entries so you can always reconstruct the timeline.

Which blockchain wallet does my agent spend from?

AgentPMT provisions a Circle programmable wallet for every customer. You control it with your email and a PIN, and it holds USDC on Base by default. Your agent never holds private keys; it asks AgentPMT to move funds, and AgentPMT checks the request against your x402Direct limits before signing.

You can view balance, recent transfers, and per-agent spend from the Wallet tab in the dashboard. Every transfer is recorded on chain and mirrored into the audit trail with the originating agent, the workflow run, and the correlation id.

Who approves a credit card purchase that my agent requests?

You do, from the AgentPMT mobile app. When an agent requests a credit card purchase, AgentPMT sends a push notification to your phone with the merchant, the item, and the total amount. You confirm with Face ID or fingerprint before the charge executes. Card details never touch the agent.

If no approval arrives within the approval window, the purchase is cancelled and the agent receives a declined response. Every approval decision, including timeouts, is written to the audit trail with actor, subject, and outcome.