Link gives one agent a checkout button.
We give every agent a wallet of its own.
Link Agents is a thin shim on Stripe checkout — one shared wallet, US-centric, card-only. AgentWallet is the wallet itself: card, USDC, inbox, phone, principal, MCP — per agent, on global rails. Here's the breakdown.
Stripe · Link Agents
Card-only checkout on a shared wallet. US-first.
Payouts.com · AgentWallet.ai
A full financial identity per agent. Global. Fleet-native.
WHY FLEET-NATIVE WINS
You're not building one agent.
You're building a thousand.
Link's architecture assumes one human, one wallet, occasional agent help. That's the legacy Stripe model with an agent SDK bolted on. Real agentic teams ship fleets — recruiters, support, ops, treasury, concierge. Each one needs its own card, its own caps, its own identity, its own paper trail. Link can't separate them.
FEATURE MATRIX
7 categories. 23 capabilities.
Honest column for each.
| CAPABILITY | ▶ link | A agentwallet |
|---|---|---|
| IDENTITY & FLEET | ||
Wallet per agent Each agent gets isolated funds, card, inbox | × One shared wallet | ✓ 1 wallet · 1 card · 1 inbox per agent |
Verified principal Principal association and route-specific signing | × None | ✓ Principal association; signatures vary by route |
Agent identity (email/phone/WhatsApp) | × — | ✓ Email, US/EU/IL phone, WhatsApp Business |
| MONEY MOVEMENT | ||
Spend rails How an agent can pay for things | × Card only (Stripe) | ✓ Card · ACH · SEPA · Pix · UPI · Wire · SWIFT · USDC |
Receive money Agent collects payments from customers | × — | ✓ Provider-dependent funding currencies |
Crypto wallet | × — | ✓ USDC on Base · Polygon · Solana |
Payouts Pay contractors, vendors, refunds | × Card refunds only | ✓ Account-dependent payout coverage |
| CONTROLS & GUARDRAILS | ||
Per-agent spend caps | ~ Account-level only | ✓ Daily · weekly · monthly · per merchant · per category |
Geofencing | × — | ✓ Country / region allowlists per agent |
Approval workflows | ~ Manual review only | ✓ Policy DSL · webhooks · WhatsApp tap-to-approve |
Kill switch | ~ Revoke API key | ✓ Per-agent freeze in 1 click · auto on anomaly |
| AGENT INTEGRATION | ||
MCP server Plug Claude/GPT/Gemini into the wallet | × REST only | ✓ One MCP endpoint per agent |
SDK breadth | ~ Stripe SDKs only | ✓ Node · Python · Go · Ruby · Rust · MCP |
Bootstrap prompt for agents | × — | ✓ Pre-built system prompt · capabilities map |
| GLOBAL COVERAGE | ||
Pay-out countries | ~ ~46 (Stripe Connect) | Confirm coverage |
Currencies | ~ USD-priced; FX'd | ✓ 91 native |
Local pay-in | × — | ✓ BR · IN · MX · ID · NG · ZA + 35 more |
| AUDIT & COMPLIANCE | ||
Per-agent audit log | × Bundled at account level | ✓ Signed log per agent · per principal |
Security documentation | ✓ Stripe | ✓ Request scoped security documentation |
Agent-action attestation | × — | ✓ Cryptographic principal signatures |
| PRICING | ||
Per-wallet fee | ~ Stripe rates apply on every txn | ✓ $0 · pay only on use |
Cross-border markup | 2.9% + 1% FX Standard Stripe | ✓ Request current pricing |
THREE THINGS LINK STRUCTURALLY CAN'T DO
Not "doesn't yet." Can't, by design.
Pay a Brazilian designer in BRL on Pix.
Compare supported funding and payout routes, currency conversion and settlement terms for each provider and account. This page does not establish a cost or settlement-time advantage.
Run 50 agents on 50 cards from one dashboard.
Link is one wallet behind a customer account. Spinning 50 agents = 50 customer accounts = 50 emails = 50 dashboards. We provision 50 isolated wallets in one API call, all under one principal.
Associate agents with accountable principals.
Agent and principal records support attribution. Signed mandates are available on supported paths; not every payment carries a cryptographic human signature.
HONEST · WHERE LINK STILL WINS
Link wins on Stripe-native checkout.
If that's all you need, use it.
If your agent only needs to spend on Stripe-powered merchants, in USD, in the US, and you don't care about per-agent identity, audit, or non-card rails — Link is fine. It's free, it's instant, and it inherits Stripe's checkout footprint. We won't pretend otherwise.
The moment you need one of: a second agent · a non-card rail · a country that isn't the US · a verified principal · a real audit log · an MCP plug — you've outgrown Link. That's the day you hit our docs.
READY TO MIGRATE?
We import Link in 10 minutes.
Bring your existing agent fleet. We'll provision wallets, mirror your spend caps, attach principals, and run side-by-side with Link until you're ready to flip the switch.