Crossmint mints assets.
We mint financial identities.
Crossmint is the easiest way to give an agent a non-custodial crypto wallet and mint NFTs from a credit card. AgentWallet is the easiest way to give an agent a fiat balance, a real Visa, a USDC account on Base, an inbox, and an MCP endpoint — connected to a verified human principal. If your agent only needs on-chain assets, Crossmint is excellent. If it needs to transact in the real economy, here's the honest breakdown.
Crossmint
Smart-wallet provisioning across 40+ EVM chains plus Solana, NFT minting with credit-card checkout, gasless transactions, social login. Strong for consumer Web3 apps and on-chain commerce.
AgentWallet
Per-agent fiat wallet, real Visa/Mastercard, USDC on Base, MCP endpoint, signed principal, AP2 mandates, real-world payouts in 208 countries. Crypto is one rail of many.
CAPABILITY MATRIX
AgentWallet vs Crossmint
| Capability | Crossmint | AgentWallet |
|---|---|---|
| Wallets & Assets | ||
| EVM smart wallets | ✓ 40+ chains | ✓ Base · Polygon · Solana |
| Fiat balances | × Crypto-first | ✓ 91 currencies |
| Real Visa/Mastercard | × None | ✓ Per-agent virtual + physical |
| NFT minting checkout | ✓ Native | × Not a primary use case |
| Real-world payouts (ACH, SEPA, Pix) | × None | ✓ 17 rails · 208 countries |
| Agent Identity & Protocol | ||
| AP2 mandate signing | × Roadmap | ✓ Production (Intent / Cart / Payment) |
| MCP endpoint per agent | × SDKs only | ✓ One URL · Claude · Cursor · GPT |
| x402 inline payments | × None | ✓ Native |
| ACP (Stripe Agentic Commerce) | × None | ✓ Buyer-side production |
| Verified human principal | Social login | ✓ WebAuthn + KYB + DID |
| Spend Guardrails | ||
| Per-call / per-day caps | Smart-contract limits | ✓ Network-enforced |
| MCC merchant locks | × N/A (no cards) | ✓ Per-card MCC + merchant lock |
| Approval cascades | Multisig contracts | ✓ 4-layer policy + WhatsApp/Slack |
| Comms | ||
| Agent email/phone/WhatsApp | × None | ✓ Per-agent inbox |
| Signed outbound webhooks | Standard webhooks | ✓ HMAC + replay protection |
THREE THINGS CROSSMINT STRUCTURALLY CAN'T DO
Issue a Visa your agent can use at any merchant.
Crossmint's smart wallets are on-chain; the merchants your agent actually needs to pay (AWS, OpenAI, Vercel, Cursor, Anthropic, your contractors) are off-chain. They need a 16-digit Visa, not an EVM address. AgentWallet issues a real Visa or Mastercard per agent, MCC-locked, capped, killable.
Pay a contractor in Brazil via Pix or in India via UPI.
Crossmint can move USDC; it cannot land Brazilian Reals in your contractor's Banco do Brasil account in 8 seconds. AgentWallet hits 17 real-world rails — ACH, SEPA Instant, Pix, UPI, FedNow, BACS, PayNow, PromptPay, Interac, and more — so the agent transacts on the rail the recipient wants, not the rail the agent has.
Sign AP2 mandates that hold up in court.
Google's Agent Payments Protocol (AP2) is the emerging standard for agent authorization. AgentWallet ships AP2 v0.1 in production — IntentMandate / CartMandate / PaymentMandate, did:web key resolution, replay protection. Crossmint has it on the roadmap. The audit log is the difference between an agent that can transact and an agent that can be sued.
Crossmint is the right answer when…
- → Your agent is consumer Web3-facing — mints NFTs, plays a blockchain game, holds tokens, runs a wallet for an end user.
- → You want credit-card → NFT checkout out of the box. Crossmint's checkout flow is excellent and well-supported.
- → Your roadmap is on-chain — DeFi, GameFi, DePIN, on-chain agent registries. Crossmint's smart-wallet abstraction across 40+ EVM chains is best in class.
- → You don't need to pay real-world merchants, contractors, or SaaS vendors. Or you do, and you've already solved that elsewhere.
AgentWallet is the right answer when…
- → Your agent needs to charge real merchants on Visa/Mastercard, not mint NFTs.
- → Your agent pays contractors, vendors, or end users in fiat across 208 countries.
- → You need MCP-native integration so Claude / Cursor / GPT can transact through one URL.
- → Audit trails, AP2 mandates, signed principals, and per-card kill switches matter — usually because the deployment is regulated, B2B, or B2E.
- → You want USDC as one rail among many, not as the primary surface.
THE VERDICT
Use Crossmint for on-chain.
Use Us for the real economy.
Both products solve real problems. They solve different ones. If your agent's job is to mint, hold, and move tokens, Crossmint is the best abstraction layer for that. If your agent's job is to operate as a financial actor in the real economy — paying real vendors, settling real invoices, signing real mandates — AgentWallet is the stack.
Provision an agent