# AgentWallet > AgentWallet is the financial identity layer for autonomous AI agents. Every agent gets a fiat wallet, a virtual Mastercard, a USDC wallet on Base, an MCP endpoint, an AP2-signed principal, a real email/phone/WhatsApp inbox, and policy guardrails — provisioned in 412 ms. Built inside Payouts.com. One ledger of truth across 17 payout rails, fiat + card + USDC, with on-chain trace anchored on Base. ## Core - [Wallet for Agents](https://agentwallet.ai/wallet-for-agents): per-agent fiat + USDC wallet, virtual card, MCP endpoint, AP2 keys, signed principal — one API call. - [Product](https://agentwallet.ai/product): full product tour — wallets, cards, USDC, MCP, AP2 mandates, spending policies, on-chain trace ledger, Principal control plane. - [Architecture](https://agentwallet.ai/architecture): one Express service, five money providers, one canonical ledger row per payment. - [Security & Compliance](https://agentwallet.ai/security): PCI vault, KMS keys, WebAuthn-signed principals, KYB at Company tier, KYC at Principal tier. ## Protocols - [The AgentWallet Protocol](https://agentwallet.ai/protocol): Company → Principal → Agent. Identity → Mandate → Money. - [MCP · Tools](https://agentwallet.ai/protocol/mcp): Model Context Protocol surface — typed, streaming, vendor-neutral tool calls. - [AP2 · Mandates](https://agentwallet.ai/protocol/ap2): IntentMandate, CartMandate, PaymentMandate — anchored on Base. - [ACP · Agent Card](https://agentwallet.ai/protocol/acp): verifiable on-chain identity per agent (DID, principal pointer, capabilities, reputation). - [x402 Protocol](https://agentwallet.ai/x402): HTTP 402 over EIP-3009 USDC settlement on Base. ## Components - [Virtual card](https://agentwallet.ai/virtual-card): real Visa/Mastercard per agent, PCI-vaulted, MCC allowlists, geofencing, anomaly auto-freeze. - [USDC for Agents](https://agentwallet.ai/usdc-for-agents): Coinbase CDP-managed USDC wallet on Base, native x402, gas sponsored. - [Principal](https://agentwallet.ai/principal): KYC'd, WebAuthn-signed humans behind every agent. - [Agent inbox](https://agentwallet.ai/agent-inbox): real email + phone + WhatsApp per agent. - [MCP endpoint](https://agentwallet.ai/mcp-endpoint): one URL, any LLM, 14 typed tools. - [Spending policies](https://agentwallet.ai/spending-policies): per-call, per-day, per-counterparty, per-rail caps + approval queues. ## Protocols - [Protocols — AP2 + x402 + ACP](https://agentwallet.ai/protocols): the only wallet that ships AP2, x402, and ACP in production. AP2 implementation (IntentMandate, CartMandate, PaymentMandate), x402 implementation (USDC on Base, gas sponsored), ACP implementation (Shared Payment Token / SPT). Verified human principal, per-agent virtual card with MCP, one API call. ## Compare - [Compare — AgentWallet vs Stripe Link vs Crossmint vs Cobo vs Ramp](https://agentwallet.ai/compare): honest comparison of the five platforms giving AI agents the ability to pay. Who issues real cards, who supports AP2, who's actually agent-native. Updated monthly. - [vs Circle Programmable Wallets](https://agentwallet.ai/vs/circle): multi-rail (fiat + card + USDC) vs USDC-only, plus AP2 mandates, MCP tools, virtual cards, Principal control plane. - [vs Stripe Link / Visa Intelligent Commerce](https://agentwallet.ai/vs-link): wallet model, mandate signing, multi-rail, agent identity, MCP and policy depth. ## Blog - [How we shipped AP2 v0.1 in production](https://agentwallet.ai/blog/ap2-deep-dive): mandate chains, keypair management, and the eight bugs Google's spec doesn't warn you about. ~2,500-word technical case study from a real shipping AP2 implementation — IntentMandate / CartMandate / PaymentMandate verification, ECDSA key rotation, idempotency, replay protection, FX snapshotting, JWS `kid` enforcement, partial-settlement handling. TypeScript + `jose` + Drizzle + Postgres, ~400 lines of verifier, P50 4 ms / P99 38 ms. ## Developers - [Developers](https://agentwallet.ai/developers): MCP, AP2, x402, ACP wired into one SDK. TypeScript-first, signed mandates, sandbox keys. - [Documentation](https://agentwallet.ai/docs): 18-chapter Master Technical Reference — every route, schema, mandate type, rail, gate, idempotency rule. - [Agent CLI](https://agentwallet.ai/agent-cli): `aw login`, `aw agent create`, `aw policy set`, `aw mandate sign`, `aw trace tail`. - [Live demo](https://agentwallet.ai/demo): provision an agent wallet in your browser, sign an AP2 IntentMandate, watch a live x402 USDC settlement. ## Use cases - [Recruiting agents](https://agentwallet.ai/use-cases/recruiting): sourcing, bonuses, global payroll across 208 countries. - [Concierge agents](https://agentwallet.ai/use-cases/concierge): travel, dining, gifts — no card share, WhatsApp tap-to-approve. - [Coding agents](https://agentwallet.ai/use-cases/coding): Cursor, Devin, Claude Code — per-agent caps, vendor allowlists, x402 + USDC. - [Treasury & payroll agents](https://agentwallet.ai/use-cases/treasury): multi-rail USDC sweeps, multi-sig over threshold, 22-country payroll. - [Support agents](https://agentwallet.ai/use-cases/support): refunds and goodwill, settled in <3s, full reversibility. - [Media buying agents](https://agentwallet.ai/use-cases/media): per-platform virtual cards, hourly throttles for Meta/Google/TikTok/X/LinkedIn/Reddit. ## Trust - [Changelog](https://agentwallet.ai/changelog) - [Roadmap](https://agentwallet.ai/roadmap) - [Status](https://agentwallet.ai/status) - [Agent Marketplace](https://agentwallet.ai/agent-marketplace) ## For agents (machine-readable) - [Agent guide](https://agentwallet.ai/agents.md): discovery endpoints, authentication, and a curl quickstart for autonomous agents. - [OpenAPI 3.1 spec](https://agentwallet.ai/openapi.json): full REST contract with an absolute server URL; also served at `/swagger.json`. - [Agent skills](https://agentwallet.ai/.well-known/agent-skills): typed tool catalog with JSON Schema inputs, no MCP handshake required. - [MCP manifest](https://agentwallet.ai/.well-known/mcp.json): MCP server URL, transport, and auth; server card at `/.well-known/mcp/server-card.json`. - [OAuth 2.1 metadata](https://agentwallet.ai/.well-known/oauth-authorization-server): PKCE + Dynamic Client Registration for MCP clients. ## Optional - [Sitemap](https://agentwallet.ai/sitemap.xml) - [Long-form for AI](https://agentwallet.ai/llms-full.txt)