AgentKit gives you on-chain tools.
We give you a financial stack.
Coinbase AgentKit is an SDK that gives an agent a CDP-managed wallet on Base and a curated set of on-chain actions. AgentWallet uses CDP under the hood for USDC on Base — and adds a real Visa, 17 fiat rails, an MCP server per agent, an inbox, a signed principal, and AP2 mandate chains. If you only need on-chain actions, AgentKit is the lightest-weight choice. If you need the full agent-to-real-world surface, here's the breakdown.
Coinbase AgentKit
Open-source TypeScript / Python SDK that hands an agent a CDP-managed wallet on Base, plus actions for swap, transfer, mint, and a curated list of integrations. You wire it into your own agent runtime.
AgentWallet
Hosted financial identity per agent. CDP USDC wallet + real Visa + 17 fiat rails + MCP endpoint + signed principal + AP2 mandates + per-agent inbox. One URL into Claude / Cursor / GPT.
CAPABILITY MATRIX
AgentWallet vs Coinbase AgentKit
| Capability | AgentKit | AgentWallet |
|---|---|---|
| Deployment Model | ||
| Hosting | Self-host the SDK | ✓ Fully hosted |
| MCP endpoint | × Build your own | ✓ One URL per agent |
| Multi-tenant | You build it | ✓ Account → Principal → Agent |
| Assets & Rails | ||
| USDC on Base (via CDP) | ✓ Native | ✓ Native (same CDP) |
| Real Visa / Mastercard | × None | ✓ Per-agent, MCC-locked |
| Fiat balances (91 currencies) | × Crypto only | ✓ Native |
| Real-world payouts (ACH, SEPA, Pix) | × None | ✓ 17 rails, 208 countries |
| Solana, Polygon USDC | × Base only | ✓ Base · Polygon · Solana |
| Agent Protocols | ||
| AP2 mandates (Intent/Cart/Payment) | × None | ✓ Production |
| x402 inline payments | × Roadmap | ✓ Native |
| ACP (Stripe Agentic Commerce) | × None | ✓ Buyer-side production |
| Comms & Identity | ||
| Agent inbox / phone / WhatsApp | × None | ✓ Per-agent |
| Verified human principal | CDP key | ✓ WebAuthn + KYB + did:web |
| Signed webhooks | × Build your own | ✓ HMAC signed + replay protected |
THREE THINGS AGENTKIT IS NOT TRYING TO DO
Issue cards or hit fiat rails.
AgentKit is Coinbase's on-chain tool surface for agents. It is not a card issuer or a payout network. If your agent needs to charge a Visa at AWS or wire a contractor in Singapore, AgentKit hands the problem off to you. AgentWallet ships both natively.
Host the agent's runtime or MCP server.
AgentKit is an SDK. You import it into your own LangChain / OpenAI Assistants / custom agent runtime, you deploy it, you manage the secrets. AgentWallet exposes one MCP endpoint per agent — paste the URL into Claude Desktop or Cursor and the agent transacts. The runtime is yours; the rails and the auth surface are ours.
Implement AP2, ACP, or x402 out of the box.
The emerging agent-payments standards (AP2 from Google, ACP from Stripe, x402 from Coinbase itself) are the future of agent-to-merchant trust. AgentWallet ships AP2 v0.1, ACP buyer-side, and x402 in production. AgentKit's roadmap covers x402; the others are not in scope.
- → You're building a Web3 agent that lives on Base and only needs on-chain actions.
- → You want maximum control over the agent's runtime and don't want a hosted abstraction.
- → You're already inside the Coinbase Developer Platform stack and want the path of least resistance.
- → You're prototyping and want the lowest-overhead way to give an LLM a Base address.
- → Your agent needs to charge real-world merchants on Visa/Mastercard, not just call on-chain actions.
- → Your agent needs to send fiat across ACH, SEPA, Pix, UPI, FedNow, and 12 other rails.
- → You want MCP-native — one URL per agent, drop-in for Claude / Cursor / GPT.
- → Regulated/B2B/B2E deployment that demands signed AP2 mandates and a verified principal with KYB.
- → You'd rather not build the multi-tenant orchestration, the inbox per agent, the signed webhook layer, the policy cascade yourself.
THE VERDICT
AgentKit is the SDK.
AgentWallet is the platform.
AgentKit hands your runtime the keys to a CDP wallet. AgentWallet runs the wallet, the card issuer, the payout network, the MCP server, the inbox, the policy engine, and the mandate signing — so you ship the agent, not the platform underneath it. We use CDP for USDC on Base; we extend the surface to everything an agent actually needs to transact in the real economy.
Provision an agent