Every company, product and standard behind the market map and explainer, with its status and the source we checked. Entries are agent-specific products only. A company appears in each layer where it ships a distinct product. Tiers are editorial: leader (scale or standard-setter), notable, emerging. Also available as CSV.
Applications that deploy AI agents to do specific financial jobs: research and deal work, accounting and close, payables and spend, treasury, and financial-crime compliance.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| AlphaSense | Deep Research + Workflow Agents | Research agents over 500M+ documents producing cited briefs, models and pitch decks. | Active; Forrester Wave Leader Q3 2026 | leader | alpha-sense.com |
| Basis | Basis agents for accountants | Long-horizon accounting and tax agents; completed an end-to-end 1065 partnership return. | $100M Series B at $1.15B, February 24, 2026 | leader | businesswire.com |
| BrexCapital One | Agents on Brex | Audit and review agents auto-approve low-risk spend and escalate policy violations. | Acquired by Capital One ($5.15B), closed April 7, 2026 | leader | capitalone.com |
| Hebbia | Matrix agents | Agents that reason across thousands of deal documents with sentence-level citations. | Active; finance Skills and Agents added 2026 | leader | hebbia.com |
| Intuit | Intuit AI agents in QuickBooks | Payments, accounting and finance agents running small-business books inside QuickBooks. | Rolled out from July 1, 2025 | leader | investors.intuit.com |
| Kyriba | Kyriba TAI (Trusted Agentic AI) | Treasury agents from cash positioning to investments; integrates Circle USDC and J.P. Morgan Morgan Money. | TAI launched September 30, 2025 | leader | kyriba.com |
| Norm Ai | Compliance and legal agents + Norm Law | Regulatory agents, supervisory agents for other AIs, and an affiliated AI-native law firm. | $120M Series C at $1.2B, July 7, 2026 | leader | norm.ai |
| Ramp | Agents for AP / Agents for Controllers | Agents code invoices, recommend approvals, catch fraud and enforce expense policy. | Agents for AP launched October 7, 2025 | leader | prnewswire.com |
| Rillet | AI-native ERP | Agents do accounting inside a real-time general ledger with human approval and audit trail. | $100M Series C at $1B, August 17, 2026; 600+ customers | leader | rillet.com |
| Rogo | Rogo platform + Felix agent | Agentic AI for investment banks and investors; used by 35,000+ professionals at 250+ institutions. | $160M Series D April 29, 2026 (~$2B valuation) | leader | prnewswire.com |
| Sardine | Agentic fraud & AML platform | Fraud and AML agents with Agent Hub, scheduled Agent Routines and A2A access. | Forrester Wave Leader Q3 2026; AI Labs launched September 30, 2026 | leader | sardine.ai |
| BILL | BILL AI Agents | Agents for AP and Spend & Expense aimed at touchless SMB transactions. | Launched October 28, 2025 | notable | bill.com |
| Bretton AI (formerly Greenlite AI) | Bretton AI agents for financial crime | KYC, KYB, AML and sanctions investigation agents for OCC-, FDIC- and Fed-regulated banks. | Renamed from Greenlite AI with $75M Series B, February 10, 2026 | notable | bretton.com |
| Brightwave | Research Agents | Fleets of autonomous research agents for public and private-market diligence over datarooms. | Research Agents launched August 2025 | notable | businesswire.com |
| Campfire | Campfire ERP + Ember Agents | AI-native ERP with proprietary accounting model, always-on Ember agents and an MCP store. | $65M Series B October 15, 2025 | notable | prnewswire.com |
| DualEntry | AI-native ERP | Mid-market AI ERP claiming to automate about 90% of manual accounting tasks. | $90M Series A October 2, 2025 | notable | dualentry.com |
| Endex | Endex agents for Office | Agents working inside Excel, PowerPoint, Word and Outlook for PE, banking and real estate. | $14M round led by OpenAI Startup Fund | notable | endex.ai |
| Model ML | Model ML finance agent platform | Workflow agents for diligence, financial analysis and client-ready documents at banks and funds. | $75M Series A November 2025; acquired Captide February 2026; HSBC AM investment August 2026 | notable | parsers.vc |
| Numeric | Close, cash management and agentic subledgers | Close automation expanding into cash, revenue and agentic subledgers, with a Numeric MCP. | $51M Series B November 19, 2025 | notable | numeric.io |
| Samaya AI | Expert AI Agents | Finance-tuned research agents deployed across Morgan Stanley; 10,000+ seats; MCP access. | Series B February 2026 | notable | samaya.ai |
| Tipalti | Tipalti AI Assistant + AI Agents | Embedded agents for invoice capture, PO matching, approval routing and ERP sync fixes. | Live | notable | tipalti.com |
| Trovata | Trovata AI 2.0 Agents | MCP-based treasury agents for daily cash reporting, variance explanation and anomaly alerts. | Launched March 20, 2026 | notable | trovata.io |
| Vic.ai | VicAgents | Task-specific AP agents for inbox triage, vendor contract compliance and analytics. | Inbox agent live; contracts and analytics in beta | notable | vic.ai |
| Hummingbird | Research Agent + Review Agent | Financial-crime case agents that research and complete investigations under institution policies. | Agents launched June 2026 | emerging | fintech.global |
| Light | Agentic ERP | AI-native ERP for multi-entity companies with custom agents and a Claude connector. | $30M Series A September 2025; KPMG partnership September 2026 | emerging | light.inc |
| Nilus | Nilus Analyst Agent | AI treasury platform with forecasting, reconciliation and an analyst agent for cash strategy. | $10M round January 2025; Analyst Agent December 2025 | emerging | nilus.com |
| ShortcutFundamental Research Labs | Shortcut Excel agent | Spreadsheet-native agent that autonomously builds and analyses financial models. | Parent raised $33M Series A August 2025 | emerging | techcrunch.com |
Foundation-model platforms, agent runtimes and developer toolkits that ship finance-specific agents, skills or payment capabilities.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Anthropic | Claude for Financial Services + finance agent templates | Ten ready-to-run finance agents, data connectors, Excel/PowerPoint/Word add-ins and Managed Agents. | Launched July 15, 2025; agent templates May 5, 2026 | leader | anthropic.com |
| AWSAmazon | Amazon Bedrock AgentCore payments | Managed runtime letting agents pay for APIs and content via x402/MPP with enforced spend limits. | GA August 18, 2026 | leader | aws.amazon.com |
| Coinbase Developer PlatformCoinbase | AgentKit | Framework-agnostic toolkit giving agents wallets, transfers, swaps and onchain identity actions. | Live; powers AgentCore payments wallets | leader | github.com |
| Google CloudAlphabet | Gemini Enterprise for Financial Services | Managed Financial Research agent, 50+ finance skills, A2A/MCP and partner agents. | Preview August 25, 2026 | leader | googlecloudpresscorner.com |
| Microsoft | Finance Agent in Microsoft 365 Copilot; Copilot Studio | Finance agents for reconciliation and variance analysis in Excel and Copilot chat, connected to ERPs. | Finance Agent in Copilot chat May 27, 2026 | leader | learn.microsoft.com |
| OpenAI | ChatGPT for Financial Services + Agents SDK | Banking-focused ChatGPT with bundled licensed data, GPT-6 Astra and information-barrier workspaces. | Launched September 10, 2026; Agent Builder sunset November 30, 2026 | leader | openai.com |
| Stripe | Agentic Commerce Suite + agent toolkit | Shared Payment Tokens, Machine Payments Protocol, Link agent wallet and MCP for buying and selling agents. | Agentic Commerce Suite launched December 11, 2025 | leader | stripe.com |
| Cohere | North 2 (incl. North for Banking) | Private or air-gapped agent platform; banking configuration built with RBC; S&P connector. | North 2 launched October 5, 2026 | notable | unite.ai |
| CrewAI | CrewAI enterprise build & runtime | Multi-agent build and governed runtime; claims use by 65% of the Fortune 500. | Live | notable | crewai.com |
| IBM | watsonx Orchestrate | Agent control plane to orchestrate, govern and cost-track agents across Bedrock, Foundry and Gemini. | Agent identities and third-party agent management added 2026 | notable | ibm.com |
| LangChain | LangGraph / LangSmith | Open-source agent frameworks with 1B+ downloads; integrations for agent payments via AgentCore. | Enterprise platform with NVIDIA March 2026 | notable | langchain.com |
| Mastercard | Mastercard Agent Suite + Developers Agent Toolkit | Customizable agents and toolkit helping banks and merchants deploy agentic AI on Mastercard. | Announced January 28, 2026; availability Q2 2026 | notable | mastercard.com |
| NVIDIA | AI Blueprints (fraud detection, portfolio optimization, signal discovery) | Reference workflows for financial fraud detection, quant signal-discovery agents and portfolio optimization. | Live | notable | build.nvidia.com |
| PayPal | PayPal Agent Toolkit | Python/TypeScript toolkit plugging PayPal APIs into Bedrock, CrewAI, LangChain, OpenAI Agents SDK. | Live | notable | docs.paypal.ai |
| Salesforce | Agentforce for Financial Services | Prebuilt banking, wealth, insurance and collections agents running on Financial Services Cloud data. | Live | notable | salesforce.com |
| ServiceNow | AI Agent Studio + AI Control Tower | Agent builder plus governance tower pitched to banks for traceable autonomous workflows. | Featured at Knowledge 2026 (May) | notable | servicenow.com |
| elizaOSEliza Labs | elizaOS agent framework | Open-source crypto agent framework; token declared dead after lawsuit drained treasury. | Token abandoned August 4, 2026; framework remains open source | emerging | coinmarketcap.com |
| Mistral AI | Le Chat MCP connectors | Le Chat assistant connects to Plaid and other finance tools through MCP connectors. | Live | emerging | plaid.com |
Licensed market data, account aggregation and finance-system connectors exposed to AI agents, mostly via Model Context Protocol (MCP) servers.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| BloombergBloomberg LP | Bloomberg Enterprise MCP (for Data License Plus) | MCP access layer adding semantic metadata and Skills to licensed Bloomberg reference and pricing data. | Launched September 29, 2026 | leader | prnewswire.com |
| FactSet | FactSet MCP server | Production MCP server over nine core datasets, now native in Gemini Enterprise for Financial Services. | GA December 16, 2025 | leader | investor.factset.com |
| LSEGLondon Stock Exchange Group | LSEG MCP server (LSEG Everywhere) | One MCP integration delivering licensed LSEG data to Claude, ChatGPT, Copilot, Gemini, Amazon Quick, Databricks. | Launched October 2025 with Microsoft; Gemini Enterprise May 2026 | leader | lseg.com |
| Moody's | Moody's MCP server / MCP app | Remote MCP exposing credit ratings, rating drivers, scorecards and research to AI agents. | Live; MCP app in Claude announced May 2026 | leader | moodys.com |
| Plaid | Plaid MCP servers and AI platform | User-permissioned bank data, identity checks and pay-by-bank for AI agents and agentic checkout. | Developer MCP live since May 2025; MCP for banks announced for later 2026 | leader | plaid.com |
| S&P Global (Kensho)S&P Global | S&P Global AI Data Portal (Deterministic + Adaptive Retrieval) | Capital IQ data via MCP with native connectors in Claude, ChatGPT, Gemini, Copilot and Cohere. | Claude connector 2025; ChatGPT app March 2026; AI Data Portal September 2026 | leader | kensho.com |
| Stripe | Stripe MCP server + agent skills | Remote MCP and skills giving agents live Stripe account data, docs and API actions. | Live (mcp.stripe.com) | leader | docs.stripe.com |
| Crunchbase | Native data partner in ChatGPT for Financial Services | Private-company funding, investor and acquisition data built directly into ChatGPT for banks. | Announced September 10, 2026 | notable | openai.com |
| Daloopa | Daloopa MCP | Read-only remote MCP of audit-traceable fundamentals and KPIs on 6,000+ global tickers. | Live; built-in data partner of ChatGPT for Financial Services (September 2026) | notable | daloopa.com |
| Intuit QuickBooksIntuit | QuickBooks Online MCP server | Official open-source MCP with 145 tools across 29 accounting entities and 11 reports. | Live (local MCP) | notable | github.com |
| Massive (formerly Polygon.io) | Massive remote MCP (mcp.massive.com) | US market-data API with tick history, streaming and an MCP server for agents. | Renamed from Polygon.io October 30, 2025 | notable | massive.com |
| Morningstar | Morningstar MCP Server | Analyst research, fund and ETF data, screeners and portfolio X-Ray as MCP tools. | Live in Claude, ChatGPT, Copilot Studio, Microsoft Foundry, Perplexity | notable | developer.morningstar.com |
| Oracle NetSuiteOracle | NetSuite AI Connector Service | Bring-your-own-AI MCP connector with role-scoped ERP tools, 100+ finance prompts and MCP Apps. | Companion and MCP Apps added March 31, 2026 | notable | netsuite.com |
| PayPal | PayPal remote MCP server | Remote MCP letting agents create invoices and pull transaction reporting through natural language. | MCP adopted April 2025; OpenAI support May 21, 2025 | notable | developer.paypal.com |
| PitchBookMorningstar | PitchBook Premium Connector | Private-market deals, funds and company data via MCP in ChatGPT, Claude and finance AI apps. | ChatGPT app live December 17, 2025 | notable | newsroom.morningstar.com |
| Ramp | Ramp MCP + Ramp CLI | Remote MCP and CLI for spend analysis, approvals and agent card purchases, all audit-logged. | Live (mcp.ramp.com) | notable | docs.ramp.com |
| SquareBlock | Square MCP server (beta) | Hosted MCP exposing payments, orders, customers, catalog and invoices from Square to agents. | Beta | notable | developer.squareup.com |
| Xero | Xero MCP server | Official open-source MCP for Xero contacts, invoices and chart of accounts via OAuth. | Live | notable | github.com |
| Akoya | Open Finance Solution | Bank-side open-finance network adding 'Know Your Agent' visibility over agent-mediated data access. | Active, positioning for agentic access (2026) | emerging | akoya.com |
| Chainlink | Chainlink for Agents (Beta) | Verified price streams, cross-chain execution and x402 pay-per-call skills for onchain agents. | Beta (2026) | emerging | chain.link |
| Mercury | Mercury API, CLI and MCP server | Business banking API, terminal CLI and MCP server connecting agents to verified account data. | Live (2026) | emerging | mercury.com |
Brokerages, exchanges, prediction markets and onchain protocols that let AI agents research, place and manage trades or deploy capital.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Alpaca | Alpaca MCP Server | Official MCP to trade US stocks, ETFs, options and crypto from ChatGPT, Claude, Cursor. | Launched November 20, 2025 | leader | alpaca.markets |
| Coinbase | Coinbase for Agents (Coinbase MCP + CLI) | Remote MCP for crypto, equities and futures trading plus x402-paid research from USDC balances. | Live (agents.coinbase.com/mcp) | leader | docs.cdp.coinbase.com |
| Robinhood | Robinhood Agents + Robinhood Trading MCP | Dedicated agentic accounts; in-app agents on OpenAI/Anthropic models plus MCP for external agents. | Trading MCP May 2026; Robinhood Agents launched September 29, 2026 | leader | robinhood.com |
| Binance | Binance Skills Hub | Open skills marketplace giving agents CeFi and DeFi trading, wallet tracking and signal tools. | Launched March 2026 (GitHub) | notable | github.com |
| Composer | Create with AI | Describe a strategy in plain language; AI builds, backtests and auto-executes it. | Live; $37B+ trading volume | notable | composer.trade |
| GizaGizatech | Giza Agent (Giza World) | Autonomous stablecoin-yield agent allocating across lending protocols with user-set risk constraints. | ARMA and Pulse retired March 26, 2026; replaced by Giza Agent | notable | gizatech.xyz |
| Kalshi | Kalshi event contracts (via API and Public agents) | CFTC-regulated prediction exchange; agents trade via API and Public's agent integration. | Public agent partnership September 2026 | notable | nextpredict.io |
| KrakenPayward | kraken-cli with built-in MCP server | AI-native CLI exposing 151 commands as MCP tools; paper trading by default, gated live trading. | Live | notable | docs.kraken.com |
| OlasValory | Pearl agent app store | Self-custodial desktop store of trading agents for Polymarket, Omen and DeFi portfolios. | Pearl v1 launched November 2025 | notable | pearl.you |
| Polymarket | Polymarket Agents (open-source framework) | MIT-licensed developer framework for building autonomous prediction-market trading agents. | Live (open source) | notable | github.com |
| Public.com | Agentic Brokerage + Public MCP | In-account investing agents and MCP for Claude, ChatGPT, Perplexity; Kalshi event triggers. | Kalshi prediction-market agents added September 24, 2026 | notable | public.com |
| Virtuals Protocol | Agent Commerce Protocol (ACP) + agent tokens | Tokenized agent launchpad and agent-to-agent marketplace with onchain escrow and x402 settlement. | Live; reports 481.8M USDC agentic GDP | notable | virtuals.io |
| Almanak | DeFi agent platform | Platform to build and deploy automated DeFi strategies run by financial agents. | Raised $8.45M | emerging | rootdata.com |
| Hey Anon | Anon agent + Hey Anon MCP | DeFAI agent transacting across 17 networks, 60 protocols and 5 centralized exchanges. | Live | emerging | heyanon.ai |
| Simmer Markets | Agent trading API | Single API and SDK for agents to trade Polymarket and Kalshi, with public leaderboards. | Live | emerging | polymart.app |
| TheoriqTheoriq Labs | AlphaVault ETH / Theoriq Gold Vault | AI-curated DeFi vaults under onchain policy cages; pivoted to tokenized-RWA yield curation. | AlphaVault December 2025; AlphaChat/AlphaHub discontinued 2026 | emerging | theoriq.ai |
| Wallet VVirgo | AI Trading | Self-custodial wallet running user-prompted LLM trading agents on Hyperliquid, Aster and Polymarket. | Live; 688 agents tracked (June 2026) | emerging | walletv.io |
| WayfinderWayfinder Foundation | Shells / Paths SDK | Plain-English agent trading across Hyperliquid perps, onchain spot and Polymarket; installable strategies. | Live | emerging | wayfinder.ai |
Tools and standards that verify which AI agent is acting, who it represents, and what it is allowed to do (Know Your Agent).
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Cloudflare Web Bot Auth / Signed AgentsCloudflare | Web Bot Auth, signed agents classification | HTTP message signatures that identify agents; the authentication layer under Visa TAP and Mastercard Agent Pay. | proposed May 2025; payments collaboration October 14, 2025; IETF WG adopted | leader | cloudflare.com |
| CyberArkPalo Alto Networks | CyberArk Identity Security Platform (machine & agentic identity) | Privileged access controls extended to human, machine and AI agent identities. | acquired by Palo Alto Networks (closed February 11, 2026) | leader | paloaltonetworks.com |
| Mastercard Agent Pay (agent registration)Mastercard | Agent Pay 'Know your agent' registration | Only registered, credentialed agents can transact, traceable via Mastercard network tokens. | live; uses Web Bot Auth for agent authentication | leader | mastercard.com |
| Microsoft Entra Agent IDMicrosoft | Entra Agent ID (with Agent 365) | Enterprise identities, conditional access and governance for AI agents, including third-party agents. | generally available (2026) | leader | learn.microsoft.com |
| Okta / Auth0Okta | Okta for AI Agents, Agent SSO, Auth0 for AI Agents | Registers agents as first-class identities with owners, short-lived tokens, Token Vault and kill switch. | Auth0 for AI Agents GA November 2025; Okta for AI Agents GA May 2026; Agent SSO GA August 24, 2026 | leader | okta.com |
| Visa Trusted Agent ProtocolVisa | Trusted Agent Protocol (TAP) | Registered agents sign requests so merchants can verify the agent, consumer and browse-vs-pay intent. | launched October 14, 2025 with Cloudflare | leader | developer.visa.com |
| 1Password Agentic Autofill1Password (with Browserbase) | Secure Agentic Autofill | Lets browser agents use vaulted credentials on demand with human approval and audit. | early access October 8, 2025 | notable | 1password.com |
| Astrix SecurityCisco | AI Agent Control Plane / NHI security | Discovers and secures AI agents, MCP servers and non-human identities; folding into Cisco Identity Intelligence. | acquired by Cisco (announced May 4, completed June 29, 2026); standalone sales ended June 30, 2026 | notable | blogs.cisco.com |
| Cross App Access (XAA)Open standard led by Okta; MCP Enterprise-Managed Authorization extension | Cross App Access / ID-JAG | OAuth extension moving agent-to-app consent and policy to the enterprise identity provider. | official MCP extension; adopted by Okta, Auth0, Descope (2026) | notable | okta.com |
| IETF Web Bot Auth WGIETF | webbotauth working group | Standardizing cryptographic authentication of bots and agents to websites (agent, not end user). | chartered; first WG draft September 1, 2026 | notable | datatracker.ietf.org |
| Incode | Agentic Identity | Assigns AI agents persistent digital identities with behavior monitoring for anomalies. | unveiled 2025; pilots from Q4 2025 | notable | incode.com |
| Oasis SecurityCyera | Agentic Access Management (now Cyera Identity) | Intent-aware, time-bound access sessions for AI agents and non-human identities. | acquired by Cyera for ~$1B (closed September 3, 2026) | notable | businesswire.com |
| Ping Identity | Identity for AI (Agent IAM Core, Agent Gateway, Agent Detection) | Runtime identity, authorization and human oversight for enterprise and agentic-commerce agents. | launched November 6, 2025; GA | notable | press.pingidentity.com |
| Prove | Prove Verified Agent / Agentic Suite | Binds verified identity, intent, payment credential and consent to each agent transaction. | launched October 23, 2025 | notable | prove.com |
| StytchTwilio | Stytch identity platform for AI agents (Connected Apps) | Developer auth platform for agent access, now Twilio's identity layer. | acquired by Twilio (closed November 14, 2025) | notable | twilio.com |
| Sumsub | AI Agent Verification (KYA) | Binds AI agents to a verified human via liveness checks at risky moments like payouts. | launched January 29, 2026 | notable | sumsub.com |
| Trulioo | Know Your Agent + Digital Agent Passport | Verifies agent developers, issues Digital Agent Passports and monitors agents via an Agent Directory. | live; joined AP2 December 2025; KYA framework co-authored with PayOS | notable | trulioo.com |
| Aembit | IAM for Agentic AI (Blended Identity, MCP Identity Gateway) | Secretless, policy-enforced agent access with ephemeral credentials tied to the delegating user. | launched October 30, 2025; Copilot Studio support June 2026 | emerging | aembit.io |
| authID | Mandate | Biometrically ties each enterprise AI agent to a real human at creation and high-risk approvals. | available | emerging | authid.ai |
| Catena Labs ACK-IDCatena Labs | ACK-ID | W3C DIDs and verifiable credentials linking agents to accountable legal owners. | open-sourced May 2025 | emerging | agentcommercekit.com |
| Descope | Agentic Identity Hub | Identity provider for AI agents and MCP servers with scoped tokens, policies and Cross-App Access. | Hub 2.June 5, 2026; XAA support September 1, 2026 | emerging | globenewswire.com |
| ERC-8004 Identity RegistryEthereum community | ERC-8004 Identity & Reputation Registries | ERC-721 agent IDs on-chain, with feedback and validation records. | mainnet January 29, 2026; Draft ERC | emerging | eips.ethereum.org |
| Keycard | Keycard for Coding Agents, Keycard for Multi-Agent Apps | Per-task, delegated agent identity via runtime attestation and OAuth token exchange. | out of stealth 2025 with $38M; Multi-Agent Apps May 14, 2026 | emerging | globenewswire.com |
| NatomaSnowflake | Governed MCP / agent access platform | Identity-aware policy and audit for agent tool calls across enterprise MCP servers. | joining Snowflake (2026, per company site) | emerging | natoma.ai |
| Skyfire | KYA token, agentic wallet, Buy for Me | Verified agent identity and payment credentials accepted via partners like Akamai, DataDome and Okta. | operating; KYAPay launched June 2025 | emerging | skyfire.xyz |
| Vouched | Know Your Agent, KYA-OS (formerly MCP-I), KnowThat.ai, Agent Checkpoint | Identity and delegation extension for MCP plus a public agent reputation registry. | launched May 22, 2025; $17M Series A September 2025 | emerging | vouched.id |
| WorldTools for Humanity / World | AgentKit (World ID for agents) | Lets verified humans delegate World ID to agents so sites can spot human-backed agents; extends x402. | AgentKit beta, 2026 | emerging | world.org |
The layer that decides what an AI agent may do with money, records that permission, and enforces it whenever the agent acts.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Agent Payments Protocol (AP2)Google | AP2 mandates (Checkout/Payment Mandates, SD-JWT VCs) | Open protocol using cryptographically signed mandates to prove what a user authorized an agent to buy. | announced September 2025; spec at v0.2; 60+ partners | leader | ap2-protocol.org |
| Amazon Bedrock AgentCore PolicyAmazon Web Services | AgentCore Policy (Cedar / Dogwood) | Gateway-level policy engine; natural-language rules compile to Cedar and gate every agent tool call. | generally available March 3, 2026 (13 regions) | leader | aws.amazon.com |
| Fireblocks | Policy Engine, Agentic Payments Suite, Agent Wallets | MPC wallets where agents get scoped, revocable spend authority enforced by policy before signing. | Agentic Payments Suite launched 2026; joined x402 Foundation | leader | fireblocks.com |
| Mastercard Agent PayMastercard | Agentic Tokens, Agent Pay Acceptance Framework | Registered agents pay with tokenized credentials; consumers set what the agent may purchase. | launched April 29, 2025 | leader | mastercard.com |
| Okta for AI Agents / Auth0 for AI AgentsOkta | Agent SSO (Cross App Access), Okta for AI Agents, Auth0 for AI Agents | Identity, delegated authorization, approval workflows and kill switch for enterprise and customer-facing agents. | Auth0 for AI Agents GA late 2025; Agent SSO GA August 24, 2026 | leader | okta.com |
| Stripe Issuing for agentsStripe | Issuing for agents, Shared Payment Tokens, spending controls | Per-agent virtual or single-use cards with spend limits, MCC rules and real-time authorization webhooks. | live (apply via Stripe Dashboard) | leader | docs.stripe.com |
| Visa Intelligent CommerceVisa | Agent tokens, Payment Instructions, network-level controls | Agent-specific tokens plus controls that make each authorization match the user's passkey-authenticated instruction. | launched 2025; single protocol-agnostic integration announced April 2026 | leader | developer.visa.com |
| Brex agentsBrex | Audit Agent, Review Agent, Brex Assistant | Agents enforce uploaded expense policy, auto-approve low-risk spend and escalate exceptions. | live | notable | brex.com |
| Crossmint | Agent wallets, cards & payouts | Wallet and stablecoin rails for agents; supports x402, AP2 and Visa Intelligent Commerce. | live | notable | crossmint.com |
| Lithic | Virtual cards + Authorization Intelligence controls | Card-issuing APIs with merchant, geographic and velocity rules for agent-initiated spend. | live | notable | lithic.com |
| Oso | Oso for Agents | Fine-grained, least-privilege authorization and policy diffs for in-house AI agents. | live | notable | osohq.com |
| Ramp Policy AgentRamp | Policy Agent | AI reviewer applies a company's written expense policy to every transaction, citing the rule used. | live on Ramp Plus | notable | support.ramp.com |
| Skyfire | KYAPay protocol, Agent Checkout | Signed identity and payment tokens carrying an authorized spend amount for agent purchases. | launched June 26, 2025 | notable | businesswire.com |
| Turnkey | Agentic Wallets, policy engine | Enclave-secured wallets that scope agent signing by address, contract and spend limit. | Agentic Payments launched June 2026; 100M+ policies created | notable | turnkey.com |
| Arcade.dev | MCP runtime with per-action agent authorization | Agents act at the intersection of user and agent permissions; credentials never enter the model. | live | emerging | arcade.dev |
| Catena Labs | Agentic treasury & banking accounts | AI-native financial institution; enclave-enforced spend limits and multi-party approvals for agents. | seed May 2025; built on Turnkey | emerging | docs.turnkey.com |
| Cerbos | Cerbos PDP + Synapse for MCP/agents | Policy-as-code decision point authorizing each MCP tool call with an audit trail. | live | emerging | cerbos.dev |
| Kite AI | Kite AIR (Agent Identity Resolution) | Agent-native L1 chain giving agents verifiable identity, policy guardrails and stablecoin payments. | $18M Series A September 2025 (PayPal Ventures, General Catalyst) | emerging | coindesk.com |
| Lit Protocol VincentLit Protocol | Vincent (apps, abilities, onchain policies) | Non-custodial agent wallets; value caps, rate limits and time windows enforced by threshold network. | Early Access September 4, 2025 | emerging | prnewswire.com |
| Natural | Wallets, Vaults, Pay, Request (Cards, Credit planned) | Payments stack for B2B agents with approval chains and one-way vaults. | $30M Series A July 2026; 6 products GA | emerging | finextra.com |
| Payman AI | Agentic banking for banks & credit unions | AI agents that move money for financial institutions under programmable policies and human oversight. | live; repositioned to banks and credit unions | emerging | paymanai.com |
| Permit.io | MCP Gateway, AI access control | Applies RBAC/ABAC/ReBAC policies to agent tool calls at the gateway. | live | emerging | permit.io |
| TestMachine AGISTestMachine | AGIS (earned autonomy for finance) | Compiles written treasury intent into traceable controls and checks every live agent action against it. | launched October 2026 (design-partner program) | emerging | testmachine.ai |
Security products that red-team, pressure-test and protect AI agents at runtime against prompt injection, tool misuse, data exfiltration and unsafe actions.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Check Point (Lakera)Check Point | Check Point AI Agent Security, AI Red Teaming (Lakera Guard/Red) | Runtime guardrails and continuous red teaming for LLMs, agents and MCP, backed by Gandalf data. | acquisition announced September 16, 2025 (~$300M est.) | leader | checkpoint.com |
| Cisco AI DefenseCisco | AI Defense (Robust Intelligence) | Algorithmic red teaming and AI firewall for enterprise AI apps and agents. | Robust Intelligence acquired October 2024 | leader | robustintelligence.com |
| Noma Security | AI & agent security platform | AI discovery, posture management, red teaming and runtime protection; strong financial-services customer base. | $100M Series B (July 31, 2025) | leader | noma.security |
| Palo Alto Networks Prisma AIRSPalo Alto Networks | Prisma AIRS (incl. Protect AI) | Model scanning, posture, AI red teaming, runtime protection and agent security in one platform. | Protect AI acquisition completed July 22, 2025 | leader | paloaltonetworks.com |
| PromptfooOpenAI | Promptfoo red teaming & evals (into OpenAI Frontier) | Open-source red-teaming and eval tool used by 350K developers, now going into OpenAI Frontier. | agreed to be acquired by OpenAI (March 9, 2026) | leader | openai.com |
| Zenity | AI agent security & governance platform | Intent-aware detection and hard boundaries for agents across Copilot, ChatGPT, Bedrock and custom builds. | $125M Series C (August 3, 2026) | leader | zenity.io |
| Cato Networks (Aim Security)Cato Networks | Aim AI Firewall, AI-SPM | Secures employee AI use, internal agents and MCP traffic inside Cato's SASE platform. | acquired September 3, 2025 | notable | catonetworks.com |
| CrowdStrike (Pangea)CrowdStrike | AI Detection and Response (AIDR) | Prompt-layer protection claiming 99% injection-blocking efficacy at under 30ms. | acquisition announced September 16, 2025 | notable | ir.crowdstrike.com |
| F5 (CalypsoAI)F5 | CalypsoAI inference protection | Adaptive AI security and red teaming added to F5's application delivery and security platform. | acquired by F5 (September 2025, ~$180M) | notable | tolly.com |
| Fortinet (Virtue AI)Fortinet | Virtue AI automated validation + FortiAIGate | Automated testing and real-time protection for AI models, apps and autonomous agents. | acquisition announced August 17, 2026 | notable | fortinet.com |
| HiddenLayer | AI Runtime Security, Agentic Runtime Security | Runtime visibility, threat hunting and enforcement for autonomous agents and coding agents. | $100M Series B (September 2, 2026) | notable | hiddenlayer.com |
| SentinelOne (Prompt Security)SentinelOne | Prompt Security, Agentic AI Security | Runtime protection against prompt injection, data leakage and misuse by employees and agents. | acquisition announced August 5, 2025 (~$250M reported) | notable | sentinelone.com |
| Snyk (Invariant Labs)Snyk | Invariant Guardrails, MCP scanning | Research team that named 'tool poisoning' and 'MCP rug pulls'; contextual guardrails for agents. | acquired by Snyk (June 24, 2025) | notable | snyk.io |
| Straiker | Ascend AI (red teaming), Defend AI (runtime), Discover AI | Attack and defense agents for enterprise agentic apps, with an agentic kill switch. | $64M Series A (June 29, 2026); Citi Ventures participated | notable | straiker.ai |
| Lasso Security | AI security platform for agentic apps | Combines discovery, automated red teaming and runtime protection so agents stay within scope. | private; ~$58M raised | emerging | lasso.security |
| Pillar Security | Agent discovery, agentic red teaming, runtime guardrails | Discovers, red-teams and guardrails every AI agent, MCP server and skill in an organization. | named Gartner AI pioneer (2026) | emerging | pillar.security |
| TestMachine AGISTestMachine | AGIS pressure testing & attack-path mapping | Simulates bank outages, double payments, injected instructions and vendor fraud before agents touch money. | launched October 2026 (design-partner program) | emerging | testmachine.ai |
Tools that trace every step an agent takes, score its quality with evaluations and keep an auditable record of what it did and why.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Arize AI | Arize AX, Phoenix (OSS), OpenInference | Agent observability and eval platform; maintains the OpenInference tracing conventions. | $70M Series C (February 2025); 1T spans processed | leader | arize.com |
| Braintrust | Braintrust (Observe, Evaluate, Discover) | Evals and observability for production AI, used by Notion, Replit, Cloudflare, Ramp and Dropbox. | $80M Series B led by ICONIQ (February 17, 2026) | leader | braintrust.dev |
| Datadog Agent ObservabilityDatadog | LLM / Agent Observability | Ties agent traces, evals and experiments to APM, infrastructure and real-user data. | live | leader | datadoghq.com |
| LangfuseClickHouse | Langfuse (OSS LLM observability, evals, prompts) | Leading open-source LLM observability platform; stays MIT-licensed and self-hostable. | acquired by ClickHouse (January 16, 2026) | leader | clickhouse.com |
| LangSmithLangChain | LangSmith (observability, evaluation, deployment) | Agent engineering platform for tracing, evals and deployment, framework-agnostic with OTel support. | LangChain raised $125M at $1.25B (October 20, 2025) | leader | langchain.com |
| Splunk Agent Observability (Galileo)Cisco | Galileo Agent Reliability Platform / Splunk Agent Observability | Evals that become runtime guardrails for multi-agent systems, now part of Splunk Observability. | acquired by Cisco (completed May 22, 2026) | leader | blogs.cisco.com |
| AgentCore Observability & EvaluationsAmazon Web Services | AgentCore Observability, AgentCore Evaluations | Native tracing and automated agent evaluations for agents running on AWS AgentCore. | Evaluations GA March 2026 | notable | docs.aws.amazon.com |
| Arthur | Agent Discovery & Governance (ADG) | Finds shadow agents, then applies evals, guardrails and an audit trail behind every decision. | live on AWS and Google Cloud marketplaces | notable | arthur.ai |
| Fiddler AI | Fiddler Agentic Observability / Control Plane | Observability, guardrails and governance for agents, run in-environment, aimed at regulated industries. | $30M Series C (January 27, 2026); $100M total | notable | fiddler.ai |
| OpenTelemetry GenAI semantic conventionsOpenTelemetry (CNCF) | GenAI agent & framework span conventions | Vendor-neutral attribute names for LLM and agent spans; adopted by Datadog, Arize and LangSmith. | in development (not yet stable); moved to dedicated repo | notable | github.com |
| Patronus AI | Evaluation platform, FinanceBench | Automated LLM evaluation and security testing; created FinanceBench, the first finance LLM benchmark. | live | notable | patronus.ai |
| Traceloop / OpenLLMetryServiceNow | OpenLLMetry (OSS), Traceloop | OpenTelemetry-based LLM tracing; going into ServiceNow AI Control Tower. | acquired by ServiceNow (March 2026, est. $60–80M) | notable | traceloop.com |
| Vals AI | Finance Agent benchmark (v2), Vals Index | Independent benchmarks of agents on analyst-grade finance, tax, legal and coding work. | Finance Agent v2 released May 14, 2026; updated October 1, 2026 | notable | vals-ai.com |
| Weights & Biases WeaveCoreWeave | W&B Weave | AI developer platform for model training, agent evaluation and monitoring, now inside CoreWeave. | acquired by CoreWeave (completed May 5, 2025) | notable | coreweave.com |
| AgentOps | AgentOps | Developer tool to visualize, debug and cost-track agent runs across frameworks. | live | emerging | platform.tracxn.com |
| HeliconeMintlify | Helicone (maintenance mode) | Open-source LLM observability gateway; 16,000 organizations, now in maintenance mode. | acquired by Mintlify (March 3, 2026) | emerging | helicone.ai |
| HumanloopAnthropic | Humanloop (sunset) | Early LLM eval and prompt-management platform; team joined Anthropic and platform was sunset. | acqui-hired by Anthropic (August 2025); platform sunset | emerging | humanloop.com |
| Raindrop | Raindrop agent monitoring | Detects agent issues in production by exploring user intent and agent trajectories. | live | emerging | raindrop.ai |
Open standards that define how AI agents discover sellers, prove a user's authorization, check out, and pay over the internet.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Agent Payments Protocol (AP2)Google; now stewarded by FIDO Alliance | AP2 (intent, cart and payment mandates) | Signed mandates prove what the user authorized an agent to buy, on any payment rail. | announced September 2025; donated to FIDO Alliance April 28, 2026; v0.2 adds 'Human Not Present' payments | leader | blog.google |
| Agent2Agent (A2A)Google; Linux Foundation / Agentic AI Foundation | A2A | Lets agents from different vendors discover each other and delegate tasks; AP2 extends it. | v1.0 March 12, 2026; joined AAIF August 27, 2026 | leader | a2a-protocol.org |
| Agentic Commerce Protocol (ACP)OpenAI + Stripe (founding maintainers) | ACP checkout + Delegated Payment spec | Open spec for an AI agent to run a merchant checkout and pass a scoped payment token. | launched September 29, 2025; beta, latest stable April 17, 2026; ChatGPT Instant Checkout scaled back March 2026 | leader | github.com |
| Mastercard Agent PayMastercard | Agent Pay, Agent Pay for Machines | Registered agents transact with tokenized Mastercard credentials; Machines variant targets micro, always-on payments. | Agent Pay introduced April 2025; Agent Pay for Machines launched June 10, 2026 | leader | investor.mastercard.com |
| Model Context Protocol (MCP)Anthropic; now Agentic AI Foundation (Linux Foundation) | MCP | Standard for agents to connect to tools and data, including payment and banking tools. | donated to Agentic AI Foundation December 9, 2025 | leader | linuxfoundation.org |
| Universal Commerce Protocol (UCP)Google, co-developed with Shopify, Etsy, Wayfair, Target, Walmart | UCP | Common language for agents and businesses from catalog search to checkout and orders; AP2-compatible. | launched January 11, 2026; release v2026-08-25; lodging draft September 2026 | leader | ucp.dev |
| Visa Intelligent Commerce & Trusted Agent ProtocolVisa (TAP built with Cloudflare) | Visa Intelligent Commerce, Trusted Agent Protocol, Intelligent Commerce Connect | Agent-specific Visa tokens, spend controls, and signed agent recognition for merchants. | VIC launched 2025; TAP launched October 14, 2025; Intelligent Commerce Connect pilot April 8, 2026 | leader | developer.visa.com |
| x402x402 Foundation (Linux Foundation); created by Coinbase, co-founded with Cloudflare | x402 protocol | Uses HTTP 402 so agents pay per request, mostly in stablecoins, through a facilitator. | launched May 2025; V2 spec; x402 Foundation operational at Linux Foundation July 14, 2026 | leader | linuxfoundation.org |
| American Express ACE Developer KitAmerican Express | Agentic Commerce Experiences (ACE) Developer Kit + Agent Purchase Protection | Specs to use Amex cards in agent flows, with protection for registered-agent purchases. | announced April 14, 2026 | notable | americanexpress.com |
| EMVCo Agentic Payments FrameworkEMVCo (owned by card networks) | EMV Agentic Payments – Framework for Specifications (Intent Services) | Draft card-industry framework for a shared 'intent state' across recurring and budgeted agent purchases. | draft v1.0 published September 1, 2026; comments closed September 30, 2026 | notable | emvco.com |
| ERC-8004 Trustless AgentsEthereum community (authors from MetaMask, Ethereum Foundation, Google, Coinbase) | ERC-8004 identity, reputation and validation registries | On-chain registries so agents can find and vet unknown counterparts before paying. | Draft ERC; live on Ethereum mainnet January 29, 2026 | notable | eips.ethereum.org |
| FIDO Alliance Payments & Agentic Authentication WGsFIDO Alliance | Payments Technical WG; Agentic Authentication Technical WG | Standards body now developing AP2 and Verifiable Intent into agent-commerce specifications. | working groups formed April 28, 2026 | notable | fidoalliance.org |
| IETF Web Bot AuthIETF webbotauth WG (proposal led by Cloudflare) | HTTP Message Signatures for automated traffic | Standardizing cryptographic signatures that let websites verify which bot or agent is calling. | WG draft draft-ietf-webbotauth-httpsig-protocol-00, September 1, 2026 | notable | datatracker.ietf.org |
| Machine Payments Protocol (MPP)Stripe + Tempo | MPP | HTTP 402 standard for machine-to-machine payments in stablecoins or cards via Shared Payment Tokens. | launched March 18, 2026 | notable | stripe.com |
| Verifiable IntentMastercard, co-developed with Google; donated to FIDO Alliance | Verifiable Intent spec | Tamper-resistant record linking cardholder, agent instructions and resulting purchase for dispute resolution. | open-sourced March 5, 2026; contributed to FIDO Payments TWG April 2026 | notable | mastercard.com |
| Agent Commerce Kit (ACK-Pay)Catena Labs | ACK-Pay (with ACK-ID) | Open-source, transport-agnostic payment and receipt patterns for agents; supports x402. | open-sourced May 20, 2025 | emerging | catenalabs.com |
| KYAPaySkyfire | KYA / KYAPay protocol | Open token format carrying agent identity, user intent and tokenized payment credentials. | launched June 26, 2025; IETF OAuth drafts updated September 2026 | emerging | kyapay.org |
| L402Lightning Labs | L402 + Lightning Agent Tools | HTTP 402 plus Bitcoin Lightning invoices and tokens so agents pay APIs without accounts. | bLIP spec; Lightning Agent Tools released early 2026 | emerging | lightning.engineering |
The tools that let merchants be found by AI agents and accept purchases from them, plus the AI shopping apps where those purchases happen.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Amazon Alexa for ShoppingAmazon | Alexa for Shopping (replaced Rufus), Auto Buy | Amazon's first-party shopping agent with price-triggered automatic purchases. | Rufus folded into Alexa for Shopping May 2026 | leader | investors.com |
| ChatGPT shoppingOpenAI | Agentic Commerce Protocol (ACP); apps in ChatGPT | Co-created ACP with Stripe; checkout now happens on the merchant's site or in partner apps like Instacart. | Instant Checkout launched September 2025, ended March 2026 | leader | cnbc.com |
| Google AI Mode & Gemini checkoutGoogle | Universal Commerce Protocol (UCP) + Google Pay | Native checkout in AI Mode and Gemini via UCP; merchant stays merchant of record. | UCP announced January 11, 2026; US rollout with Canada, Australia, UK expanding | leader | developers.google.com |
| Mastercard Agent PayMastercard | Agent Pay, Verifiable Intent, Insight Tokens | Agentic tokens and intent verification so agents can initiate card payments. | launched April 2025; live agentic transactions in APAC (2026) | leader | mastercard.com |
| Microsoft Copilot CheckoutMicrosoft | Copilot Checkout, Brand Agents | In-chat checkout on Copilot.com, powered by PayPal, Shopify and Stripe; no Microsoft commission. | live in US since January 2026 | leader | about.ads.microsoft.com |
| PayPal agentic commercePayPal | Agentic Commerce Services, store sync, Agent Ready | Connects tens of millions of merchants to ChatGPT, Perplexity, Copilot and Google. | launched October 2025; acquiring Cymbio (January 2026) | leader | newsroom.paypal-corp.com |
| Shopify Agentic StorefrontsShopify | Agentic Storefronts, Shopify Catalog, UCP | Auto-syndicates merchant catalogs to ChatGPT, Copilot, AI Mode and Gemini. | live for eligible merchants selling to US buyers | leader | shopify.com |
| Stripe Agentic Commerce SuiteStripe | Agentic Commerce Suite, Shared Payment Tokens, Link wallets for agents | One integration to sell inside OpenAI, Microsoft, Meta and Google AI surfaces. | launched December 2025; Google support + Link agent wallets added April 29, 2026 | leader | stripe.com |
| Visa Intelligent CommerceVisa | Visa Intelligent Commerce, Trusted Agent Protocol, Agentic Directory | Tokenized agent credentials, agent verification and a merchant/agent trust directory. | live; OpenAI partnership June 2026 | leader | investor.visa.com |
| Adyen AgenticAdyen | Agentic Feed, Agentic Cart, Agentic Payments | Modular APIs translating enterprise commerce stacks to all major agent protocols. | launched June 2026 | notable | adyen.com |
| Affirm | Pay-over-time in Gemini/AI Mode; UCP BNPL extension | BNPL in Google agentic checkout through Google Pay; drafted a UCP BNPL extension. | rolling out from May 12, 2026 | notable | investors.affirm.com |
| Agentforce CommerceSalesforce | Shopper/Buyer/Merchant Agents; ChatGPT & UCP channels | Enterprise commerce platform adding owned shopper agents and feeds to ChatGPT and Google. | Summer '26 release GA July 2026 | notable | salesforce.com |
| Checkout.com | Agentic payments (Mastercard Agent Pay acquirer partner) | Enterprise acquirer preparing merchants for agentic commerce; publishes readiness research. | Agentic Commerce 2026 report (June 2026) | notable | checkout.com |
| commercetools | AI Hub, Agent Gateway (Agentic Jumpstart) | Headless commerce add-ons connecting enterprise catalogs and checkout to LLM channels. | live; Stripe ACS distribution partner | notable | commercetools.com |
| Crossmint | Agentic Cards API, lobster.cash | Lets agents pay with tokenized Visa cards (via Basis Theory) or stablecoin wallets. | Agentic Cards API launched June 2, 2026 | notable | prnewswire.com |
| Klarna | Agentic Product Protocol; BNPL in UCP, ACP, AP2 | Open product-data protocol (100M+ products) plus BNPL inside agent checkouts. | live in Google Pay on Gemini/AI Mode (May 2026) | notable | klarna.com |
| Perplexity CometPerplexity | Comet browser agent; Instant Buy with PayPal | Browser agent that shops on sites like Amazon on behalf of logged-in users. | 9th Cir. lifted Amazon's injunction August 4, 2026; suit ongoing | notable | reuters.com |
| Skyfire | KYA identity + agent checkout wallet | Know-Your-Agent tokens and payment credentials so merchants accept verified agent buyers. | live; Fastly edge partnership June 2026 | notable | businesswire.com |
| Wix / BigCommerce / WooCommercevarious | Agent-native checkout via Stripe ACS | SMB e-commerce platforms adding agent checkout by default through Stripe's suite. | announced at Stripe Sessions, April 29, 2026 | notable | stripe.com |
| WorldpayGlobal Payments | Worldpay MCP, agent-level verification, tokenization | Open-source MCP server letting agents run payment workflows without touching card data. | live | notable | worldpay.com |
| Firmly | Firmly Connect | No-code merchant onboarding to any agent channel across MCP, AP2, ACP and UCP. | launched March 24, 2026; Best Buy, Backcountry | emerging | globenewswire.com |
| Henry Labs | Embedded checkout SDK | SDK that lets apps and agents check out from merchant sites in-app. | founded 2025; early stage | emerging | henrylabs.ai |
| Nekuda | Agentic wallet & mandates SDK | Payment credentials and mandate handling so agents can complete checkouts. | Series A May 2025 (Madrona, Visa, Amex Ventures) | emerging | nekuda.ai |
| Rye | Universal Checkout API | Takes a product URL and payment token and returns a completed order from any store. | live; Skyfire KYA integration April 2026 | emerging | rye.com |
Infrastructure for agents to pay per call for APIs, data, content and compute, and for companies to meter and bill AI and agent usage.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| AgentCore paymentsAmazon Web Services | Amazon Bedrock AgentCore payments | Managed agent micropayments over x402/MPP with Coinbase or Stripe Privy wallets and spend limits. | GA August 18, 2026 | leader | aws.amazon.com |
| Cloudflare Monetization GatewayCloudflare | Monetization Gateway, Pay Per Crawl | Charges agents per request at the edge for any API, data or MCP tool, settled via x402. | closed beta September 2026; Pay Per Crawl private beta since July 2025 | leader | blog.cloudflare.com |
| Coinbase x402 / CDP FacilitatorCoinbase | x402 Facilitator, Bazaar, Agentic.Market | Created x402; runs the main facilitator plus a public directory of paid agent services. | Agentic.Market launched April 20, 2026; protocol moved to x402 Foundation | leader | coinbase.com |
| MetronomeStripe | Usage-based billing | Metering and billing for complex usage-based pricing, now part of Stripe Billing. | acquired by Stripe (closed January 14, 2026) | leader | stripe.com |
| Stripe Machine PaymentsStripe | Machine Payments Protocol (MPP), x402 acceptance, streaming payments | Accepts agent payments via MPP (cards, stablecoins) and x402 straight into Stripe balance. | MPP launched March 18, 2026; streaming payments April 2026 | leader | docs.stripe.com |
| Chargebee | Agentic Billing | Billing for AI agents covering credits, per-action and outcome-based pricing. | live | notable | chargebee.com |
| Circle NanopaymentsCircle | Agent Stack: Nanopayments, Agent Wallets, Agent Marketplace | Gas-free USDC transfers as small as $0.000001 for machine-to-machine payments. | launched May 11, 2026 | notable | nasdaq.com |
| L402 / ApertureLightning Labs | L402 protocol, Aperture proxy, lnget | Bitcoin Lightning version of HTTP 402 with delegable macaroon credentials for agents. | production; L402 standard being folded into x402 Foundation (September 2026) | notable | lightning.engineering |
| Lago | Open-source billing | AGPLv3 usage-based billing (up to 1M events/sec) with an agent MCP toolkit. | live; customers incl. Mistral AI, PayPal | notable | getlago.com |
| m3terSalesforce | Metering and rating | High-volume metering and rating, being built into Agentforce Revenue Management. | acquired by Salesforce (agreement June 8, 2026; closed July 2026) | notable | salesforce.com |
| OrbAdyen | Usage-based billing platform | Usage billing for AI and software companies; stays a stand-alone, processor-neutral product. | acquired by Adyen (closed July 1, 2026) | notable | withorb.com |
| ProRata / GistProRata.ai | Gist Answers, attribution | Shares 50% of AI-answer ad revenue with 1,000+ licensed publishers. | live | notable | prorata.ai |
| Publisher Content MarketplaceMicrosoft | PCM | Usage-based marketplace paying publishers when Copilot and other AI products use their content. | pilot, expanding February 2026 (AP, Condé Nast, Hearst, People Inc) | notable | about.ads.microsoft.com |
| TollBit | Bot & agent paywall, licensed RAG access | Lets publishers price and charge AI bots per use, with analytics on scraping. | live; $31M+ raised | notable | tollbit.com |
| Merit Systems | AgentCash, x402scan, Echo | Single agent wallet for 280+ paid x402/MPP APIs, plus the x402scan explorer. | $10M seed (a16z crypto, Blockchain Capital); x402 Foundation member | emerging | linkedin.com |
| Nevermined | Nevermined Pay | Agent-to-agent metering, pricing and settlement in fiat or crypto, with x402 integration. | live | emerging | nevermined.ai |
| Paid | Results-based billing for AI agents | London startup billing agents on outcomes rather than seats. | $21.6M seed; ~$33M raised total | emerging | techresearchonline.com |
| PayAI | x402 facilitator | Independent x402 facilitator verifying and settling agent payments, notably on Solana. | live (per Artemis) | emerging | classic.artemis.ai |
| Sapiom | Router, Agent Studio, Runtime | Agent execution layer that controls which models, tools and purchases agents may pay for. | $35M Series A (Dragonfly) August 5, 2026; 270M+ transactions | emerging | sapiom.ai |
| thirdweb x402thirdweb | x402 facilitator & SDK | Gasless x402 facilitator and client/server SDKs across 170+ EVM chains. | live | emerging | portal.thirdweb.com |
Tools that verify who is behind an agent, score the risk of agent-initiated transactions, and meet AML, KYC and regulatory obligations, increasingly using AI agents themselves.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Akamai | Bot & Agent Control, Know Your Agent protocol | Edge framework linking agents to authorized humans; integrates Visa TAP across Akamai Cloud. | Visa TAP tie-up December 17, 2025; agentic framework June 15, 2026 | leader | akamai.com |
| Cloudflare | Web Bot Auth / signed agents | Cryptographic agent authentication adopted by Visa, Mastercard and American Express agentic programs. | agentic commerce collaboration announced October 14, 2025 | leader | cloudflare.com |
| FeaturespaceVisa | Real-time AI transaction monitoring | AI fraud and financial-crime detection processing 100B+ payment events a year, now inside Visa. | acquired by Visa (completed December 19, 2024) | leader | investor.visa.com |
| Forter | Agentic Commerce / Trusted Agentic Commerce Protocol | Links agentic shoppers to verified customer identities so merchants can approve agent orders. | live | leader | forter.com |
| HUMAN Security | HUMAN Sightline featuring AgenticTrust | Detects AI agent traffic, applies per-agent permissions and blocks spoofed or abusive agents. | live (launched 2025) | leader | humansecurity.com |
| Norm Ai | Regulatory/compliance AI agents, Norm Law | Turns regulations and policies into compliance agents for asset managers, insurers and banks. | $120M Series C at $1.2B valuation (July 2026) | leader | prnewswire.com |
| Sardine | AI risk platform + risk-team agents | Fraud, compliance and credit platform with KYC, sanctions, merchant-risk and disputes agents. | $70M Series C February 2025; Forrester Wave Leader Q3 2026 | leader | sardine.ai |
| TRM Labs | Blockchain intelligence, Co-Case Agent, TRM MCP | Crypto crime intelligence; agents screen wallets and work alerts through an MCP server. | Series C expansion at $2B valuation (2026) | leader | trmlabs.com |
| Visa Trusted Agent ProtocolVisa | Trusted Agent Protocol (TAP) | Agent-specific signatures let merchants verify trusted shopping agents and separate them from malicious bots. | launched October 14, 2025 (with Cloudflare) | leader | investor.visa.com |
| Bretton AI | Financial-crime AI agents + Trust Infrastructure | AI agents run KYC/KYB, AML and sanctions investigations inside OCC-, FDIC- and Fed-regulated banks. | renamed from Greenlite AI; $75M Series B (February 10, 2026) | notable | businesswire.com |
| DataDome | Agent Trust (Bot Protect) | Verifies agents via Web Bot Auth on every request and applies per-agent policies. | live | notable | datadome.co |
| Elliptic | Agentic Design Partner Program (with Circle) | Building compliance infrastructure for autonomous onchain agent transactions with Circle. | program launched July 10, 2026 | notable | ffnews.com |
| Feedzai | Farol agent | Fraud and financial-crime platform; Farol agent speeds up fraud investigations. | Farol launched September 28, 2026 | notable | thepaypers.com |
| Hummingbird | Research & Review Agents, AI Agent Orchestration Platform | Compliance case platform orchestrating in-house, vendor and third-party AI agents with analysts. | agent orchestration launched June 2026 | notable | hummingbird.co |
| Persona | Know Your Agent (KYA) | Binds agents to verified humans with ID, selfie and reverification for high-risk actions. | live; customers include Lithic and Crossmint | notable | withpersona.com |
| Riskified | AI Agent Approve, AI Agent Intelligence, AI Agent Policy Builder | Fraud and policy-abuse controls for orders placed by AI shopping agents. | launched August 13, 2025 (partnership with HUMAN) | notable | humansecurity.com |
| Signifyd | Commerce Protection Platform | Guaranteed fraud protection and returns-abuse controls adapted to agent-led orders. | live | notable | signifyd.com |
| Unit21 | AI Risk Infrastructure (Alert, Case, SAR agents) | Agents run fraud/AML detection and investigations end to end, from alert to SAR draft. | live; 200+ customers | notable | unit21.ai |
Software and key-management services that let an AI agent hold funds and sign transactions without ever seeing the private key.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| Circle | Circle Agent Stack (Agent Wallets, CLI, Nanopayments) | Policy-controlled USDC wallets that agents can sign up for themselves, plus gas-free nanopayments as small as $0.000001. | Launched May 11, 2026 | leader | marketsmedia.com |
| Coinbase Developer PlatformCoinbase | Agentic Wallets + AgentKit | Wallets built for agents, with session and transaction caps, enclave-held keys, KYT screening and built-in x402 payments. | AgentKit launched late 2024; Agentic Wallets launched February 11, 2026 | leader | coinbase.com |
| Coinbase Payments MCP / Coinbase for AgentsCoinbase | Payments MCP; Coinbase for Agents MCP | MCP server and wallet app letting Claude, Codex and Gemini pay x402 services; consumer agents can trade stocks. | Payments MCP launched October 23, 2025; Coinbase for Agents added equities and x402 September 22, 2026 | leader | coinbase.com |
| Fireblocks | Agentic Payments Suite (Agentic Wallets + Gateway) | Delegated MPC wallets for fintechs, plus a hosted x402 facilitator that runs KYT and Travel Rule checks. | Suite launched May 2026; acquired wallet provider Dynamic October 23, 2025 | leader | fireblocks.com |
| PrivyStripe | Embedded & server wallets | Wallet API behind 75M+ accounts and a built-in wallet provider in Coinbase AgentKit; now owned by Stripe. | Stripe acquisition announced June 11, 2025; still runs as a standalone product | leader | privy.io |
| Turnkey | Agentic Wallets / Agentic Payments | Enclave-based signing with per-agent policies, human co-approval and an instant kill switch for agent access. | Agentic Payments launched June 25, 2026; partner in Mastercard Agent Pay for Machines | leader | turnkey.com |
| Alchemy | Smart wallets for AI agents | Per-agent smart wallets with session keys, gas sponsorship and human-in-the-loop approval; powers Virtuals agents. | Live; partner in Mastercard AP4M | notable | alchemy.com |
| BitGo | BitGo MCP Server / BitGo Assist | Institutional custodian offering an MCP server for agent developers; Assist cannot sign or move funds. | MCP launched March 23, 2026 (NYSE: BTGO) | notable | investors.bitgo.com |
| Crossmint | Agent Wallets / Agent Cards / Agent Checkouts | Non-custodial stablecoin wallets with guardrails, scoped virtual cards and one checkout API for agents. | Live; licensed as a MiCA CASP and an EU payment institution; partner in Mastercard AP4M | notable | docs.crossmint.com |
| Lit Protocol | Vincent agent wallet / Lit v3 (Chipotle) | Decentralized MPC+TEE key network; Vincent lets users delegate scoped signing tools to agents. | Vincent launched April 14, 2025; Lit v3 generally available April 2026 (Naga network shut down) | notable | spark.litprotocol.com |
| MoonPay | MoonPay Agents (MoonAgents) + Open Wallet Standard | A CLI that gives agents non-custodial wallets, ramps and virtual accounts, plus an open-sourced agent wallet standard. | MoonPay Agents launched February 24, 2026; Open Wallet Standard released March 23, 2026 | notable | moonpay.com |
| Phantom | Phantom MCP server | Phantom's wallet as an MCP server, so AI agents can sign and transfer on Solana and EVM chains. | Live | notable | docs.phantom.com |
| Safe | Safe Smart Accounts for AI agents | Multisig smart accounts where an agent proposes transactions and humans or modules enforce limits and timelocks. | Live; official AI agent quickstarts | notable | docs.safe.global |
| thirdweb | Wallets + x402 + MCP server | User, server and agent wallets, with an MCP tool that pays any x402 API automatically. | Live | notable | portal.thirdweb.com |
| ZeroDev | Smart accounts + session keys | ERC-7579 smart accounts that issue agents scoped, expiring, revocable session keys instead of private keys. | Live; Lit Protocol Vincent integration October 2025 | notable | zerodev.app |
| Biconomy | Smart Sessions for AI agents | Smart wallet and execution engine whose Smart Sessions put guardrails on autonomous agent actions. | Live | emerging | biconomy.io |
| Exodus | XO Cash + AgentKit SDK | A Solana stablecoin for agents; one API call creates an agent wallet with a Visa debit card. | Launched May 8, 2026 (with MoonPay, Monavate) | emerging | exodus.com |
| GOAT SDKCrossmint | Great Onchain Agent Toolkit | Library of 200+ onchain actions that works with any wallet; its repo is now archived and read-only. | Archived (GitHub repo read-only) | emerging | github.com |
| Openfort | Agent wallets | Non-custodial agent wallets with spending limits and contract allowlists; supports x402, AP2, ACP and MPP. | Live | emerging | openfort.io |
| Para | Para for AI Agents (REST API wallets) | Distributed-MPC agent wallets run over REST, with infrastructure-level spend policies and x402/MPP support. | Live; free up to 1,200 monthly active wallets | emerging | getpara.com |
| Solana Agent KitSendAI | solana-agent-kit (v2) | Open-source toolkit connecting agents to Solana tokens, DeFi and NFTs through plugin wallets. | Active open source (v2 branch) | emerging | github.com |
| Sponge | Sponge Wallet + Gateway | Agent accounts spanning crypto, bank and Rain-issued cards; Gateway lets businesses sell to agents over x402/MPP. | YC W26; founded 2026 by ex-Stripe Crypto engineers | emerging | ycombinator.com |
Fiat payment credentials an agent can use: tokenized or single-use virtual cards, scoped payment tokens, and bank-style accounts.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| American Express | Agentic Commerce Experiences (ACE) Developer Kit | Agent registration, tokenized credentials and intent capture on Amex's closed loop, plus protection against registered-agent errors. | Announced April 14, 2026; some features still in development | leader | americanexpress.com |
| Mastercard Agent PayMastercard | Agent Pay, Agentic Tokens, Verifiable Intent, Agent Pay for Machines | Network tokens only registered agents can use, with signed records of user consent; AP4M handles machine micropayments. | All US cardholders enabled by holiday 2025; AP4M launched June 2026 | leader | mastercard.com |
| Ramp | Agent Cards, Ramp MCP, Ramp for Agents | Tokenized per-agent virtual cards on Visa VIC; agents can even incorporate a company and apply for Ramp. | Agent Cards in early access; Visa deal expanded March 31, 2026 | leader | ramp.com |
| Stripe | Issuing for agents + Link wallet for agents | Single-use cards and Shared Payment Tokens for agents; Link lets consumers approve each agent spend request. | Link agent wallet and Issuing for agents launched April 29, 2026 | leader | stripe.com |
| Visa Intelligent CommerceVisa | VIC, Intelligent Commerce Connect, Trusted Agent Protocol | Agent-ready tokenized credentials with passkey sign-off and network-enforced spend controls; Connect works across networks and protocols. | Launched April 2025; Intelligent Commerce Connect unveiled April 8, 2026 | leader | corporate.visa.com |
| Basis Theory | Basis Theory AI / agentic credentials | Tokenization vault holding Visa VIC and Mastercard Agent Pay agreements; issues Stripe SPTs for agent platforms. | Live; credential layer for lobster.cash | notable | developers.basistheory.com |
| Cross River Bank | Card issuing for Stripe agentic commerce | Sponsor bank behind Stripe's agent cards, handling card network rules, AML and KYC for agent transactions. | Expanded Stripe partnership July 1, 2026 | notable | crossriver.com |
| Highnote | Agentic Commerce | Card issuing, a real-time ledger and programmable controls for AP and procurement agents, connected to Visa VIC. | Launched May 27, 2026 | notable | highnote.com |
| Lithic | Agentic Commerce issuing + MCP server | Instantly issued virtual cards with merchant locks, single-use controls and contextual authorization rules for agents. | Live; MCP server released April 2026 | notable | lithic.com |
| Marqeta | Marqeta MCP Server | MCP server that lets agents issue virtual cards, set velocity controls, review transactions and file disputes. | Live | notable | marqeta.com |
| Mercury | Mercury MCP (beta) | Hosted, OAuth-gated MCP server giving AI tools read-only access to balances, transactions, cards and recipients. | Beta; read-only (cannot initiate payments) | notable | docs.mercury.com |
| Rain | Card issuing (stablecoin-backed) | Visa principal-member issuer whose single-use virtual cards authorized agents can create; issues Sponge's agent card. | Live | notable | rain.xyz |
| Skyfire | KYAPay, Agentic Wallet, Buy for Me | Agent wallets funded by card, ACH or USDC; issues tokenized card credentials and know-your-agent (KYA) tokens. | KYAPay launched June 26, 2025; VIC pilot partner | notable | businesswire.com |
| Slash | Slash MCP + Twin agent | Business banking whose MCP server lets outside agents create cards, set limits and send ACH payments. | Slash MCP launched March 2026; $100M Series C at $1.4B valuation (April 2026) | notable | crossmint.com |
| Catena Labs | AI-native financial institution; Agent Commerce Kit (ACK) | Circle co-founder's startup building a regulated bank for agents, plus open ACK identity and payment patterns. | $18M seed May 2025; $30M Series A May 20, 2026; seeking licenses | emerging | fortune.com |
| lobster.cashCrossmint | lobster.cash agent payments | Lets OpenClaw agents pay with users' existing Mastercard cards via Agent Pay and Verifiable Intent. | Mastercard integration announced April 16, 2026 | emerging | prnewswire.com |
| MoonAgents CardMoonPay | MoonAgents virtual Mastercard debit | Virtual Mastercard debit card for agents, spending directly from an onchain stablecoin balance (Baanx and Monavate). | Live | emerging | moonpay.com |
| Natural | Wallets, Vaults, Pay (13-product agent payments stack) | FDIC-insured agent wallets and payments today; agent cards, credit lines and billing are on the roadmap. | $30M Series A July 2026; $100M credit facility August 19, 2026 | emerging | finextra.com |
| Nekuda | Secure Agent Wallet + Agentic Mandates SDK | Stores user card credentials for agents and captures spending mandates that the payment stack can verify. | $5M round led by Madrona, May 2025 (Visa and Amex Ventures); VIC pilot partner | emerging | businesswire.com |
| Prava | Prava SDK + Prava Pay | One-time tokenized Visa cards locked to an approved merchant and price, with passkey approval. | Integrated Visa Intelligent Commerce (US); founded 2025 | emerging | prava.space |
| Proxy | Virtual cards for AI agents | Funded single- or multi-use virtual cards that agents use for checkout, with spend limits and visibility. | Founded 2024 (San Francisco) | emerging | platform.tracxn.com |
Banks, core-banking vendors and treasury or finance platforms that deploy AI agents internally or expose money movement to outside agents under bank-grade controls.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| BNY | Eliza 2.0 / digital employees | Model-agnostic enterprise AI platform running agentic 'digital employees' inside payments and operations teams. | About 140 digital employees and 220 AI solutions in production (1Q26) | leader | bny.com |
| Fiserv | agentOS + agent marketplace | Governed operating system for running bank agents across Fiserv's core, payments and card-processing platforms. | Launched May 14, 2026; general availability expected August 2026 | leader | globenewswire.com |
| J.P. Morgan PaymentsJPMorgan Chase | Agentic commerce payments (with Mirakl Nexus) | Tokenization, fraud and processing so merchants can accept checkouts from AI agents at enterprise scale. | Mirakl agreement March 10, 2026; bank plans longer-running autonomous internal agents in 2026 | leader | jpmorgan.com |
| Kyriba | TAI (Trusted Agentic AI) | Treasury agent with least-privilege tools and human approvals; arranges USDC payments via Circle and fund investments. | Commercially available; Circle and Morgan Money integrations April 28, 2026 | leader | kyriba.com |
| Oracle | Fusion Payments Agent, Cash Processing Agent | Embedded ERP agents that manage early pay, virtual cards and bank exchanges, and automate cash application. | Live in Fusion Financials (26A) | leader | oracle.com |
| Santander | Agentic payments (issuing) + Getnet agent acceptance | Ran Europe's first live end-to-end agent payment; Getnet accepts payments that agents start. | Mastercard Agent Pay live test March 2, 2026; Visa LatAm pilots March 12, 2026; Getnet June 9, 2026 | leader | santander.com |
| SAP | Joule Cash & Treasury Assistant + agents | Joule agents for cash positioning, treasury financing, bank relationships and payment risk inside SAP. | Published May 2026 | leader | sap.com |
| Anchorage Digital | Agentic Banking | Federally chartered crypto bank enforcing corporate spend policy and KYA before agents settle in stablecoins or fiat. | Launched with Google Cloud partnership (2026) | notable | anchorage.com |
| Brex | Agents on Brex (agent platform) | Finance agents that apply company expense policy to review spend, audit transactions and handle accounting. | Agent platform announced March 2026 | notable | brex.com |
| Citi | Mastercard Agent Pay issuer; agentic instant payments research | Among the first issuers whose cardholders were enabled for Mastercard Agent Pay agent purchases. | Enabled 2025 | notable | mastercard.com |
| Goldman Sachs | Claude-based autonomous agents | Deploying Anthropic Claude agents to automate core accounting, compliance and operational finance work. | Reported February 2026 | notable | thecudaily.com |
| HSBC | EPAA APAC agentic payments working group | Founding member of an Asia-Pacific industry group setting liability, identity and fraud standards for agent payments. | Group launched July 2026 | notable | fintechnews.sg |
| Modern Treasury | Modern Treasury AI (agent + workspace) | Auditable payment-operations agent working across bank, ERP and processor data; acts only when approved. | Announced May 1, 2025 (early access) | notable | moderntreasury.com |
| nCino | Digital Partners + Mortgage MCP | Role-based banking agents, plus MCP access so lenders' own agents can act within nCino's permissions. | Mortgage MCP released August 7, 2026 | notable | investor.ncino.com |
| Temenos | Temenos AI Agents / FCM AI Agent for Instant Payments | Agents and copilots embedded in core banking, plus a financial-crime agent screening instant payments. | Launched May 7, 2026 | notable | temenos.com |
| Lead Bank | Agentic finance framework / Know Your Agent program | Sponsor bank proposing a federal 'Authorized Financial Agent' category and a model bank KYA program. | Framework published September 2026 | emerging | lead.bank |
| Nilus | Agent Fabric (60 pre-built treasury agents) | Library of treasury agents chained into workflows for cash positioning, payments and close, with approval gates. | Live | emerging | nilus.com |
| Payman AI | Paygents / Paygent Central | AI banking agents for community banks that check balances, pay bills and move money, with policy checks. | Pivoted to community banks; Citizens State Bank deal May 2026; ICBA ThinkTECH | emerging | paymanai.com |
| Trovata | Trovata AI 2.0 Agents | MCP-based treasury agents that run on schedules for cash reporting, variance explanations and anomaly alerts. | Announced March 20, 2026 | emerging | trovata.io |
The money networks that actually move value when an agent pays: stablecoins, payment-focused blockchains, card-network stablecoin settlement and real-time bank rails.
| Company | Product | What it does | Status | Tier | Source |
|---|---|---|---|---|---|
| ArcCircle | Arc Layer 1 blockchain | EVM L1 using USDC as gas, built for markets, payments and agentic activity. | mainnet September 16, 2026; validators incl. BlackRock, DTCC, Visa, Standard Chartered | leader | circle.com |
| BaseCoinbase | Base L2 | Coinbase's Ethereum L2; main settlement network for x402 agent payments. | live; 100M+ cumulative x402 agentic payments | leader | chainalysis.com |
| BridgeStripe | Stablecoin orchestration & Open Issuance | Stripe's stablecoin infrastructure; powers branded stablecoins like Phantom CASH and MetaMask mUSD. | acquired by Stripe ($1.1B, 2024); OCC conditional trust charter February 2026 | leader | coindesk.com |
| EthereumEthereum Foundation | Ethereum mainnet | Largest stablecoin settlement base, holding roughly $170B of stablecoins. | live | leader | bitcoinfoundation.org |
| Mastercard + BVNKMastercard | BVNK stablecoin infrastructure | Stablecoin payments infrastructure linking on-chain dollars to Mastercard's fiat rails. | acquired by Mastercard, up to $1.8B (closed August 3, 2026) | leader | bvnk.com |
| SolanaSolana Foundation | Solana + Agentic Payments (x402, MPP) | High-throughput chain supporting both x402 and MPP; record $17.3B stablecoin supply. | live; joined x402 Foundation April 2026 | leader | solana.com |
| TempoStripe & Paradigm | Tempo L1 + Machine Payments Protocol | Payments-first L1 with stablecoin gas, payment lanes and agentic micropayments. | mainnet March 18, 2026; partners incl. Visa, Mastercard, OpenAI, Anthropic | leader | coindesk.com |
| USDCCircle | USDC stablecoin | Second-largest stablecoin; Circle says it carries 98.8% of agent-driven transaction volume. | live; ~$74.2B supply (September 30, 2026) | leader | circle.com |
| USDTTether | USDT stablecoin | Largest stablecoin by supply, dominant in emerging-market and exchange flows. | live; ~$183.8B supply (September 30, 2026) | leader | stablecoinbeat.com |
| Visa stablecoin settlementVisa | Visa stablecoin settlement / Visa Stablecoin Platform | Issuers and acquirers settle with VisaNet in stablecoins across multiple chains. | $20B+ annualized run rate (September 8, 2026) | leader | stablecoininsider.org |
| Circle Payments NetworkCircle | CPN | Network connecting financial institutions to settle cross-border payments in stablecoins. | live since May 2025; $3.4B annualized volume (January 2026) | notable | investor.circle.com |
| FedNow & RTPFederal Reserve / The Clearing House | US instant payment rails | US 24/7 bank-to-bank instant rails; fiat alternative for agent payouts and treasury moves. | live; RTP 128M tx / $480B in Q1 2026 | notable | richmondfed.org |
| Global Dollar (USDG)Paxos | USDG / Global Dollar Network | Regulated stablecoin that shares reserve yield with partner platforms in its network. | live; fastest-growing top-10 stablecoin over 30 days to August 13, 2026 | notable | globaldollar.com |
| Lightning NetworkLightning Labs | Lightning Agent Tools / L402 | Bitcoin payment channels; Lightning Labs ships agent skills to pay and host L402 APIs. | Agent Tools released February 2026 | notable | lightning.engineering |
| PayPal USD (PYUSD)PayPal / Paxos | PYUSD | PayPal's dollar stablecoin, now available to users across 70 markets. | expanded to 70 markets March 17, 2026 | notable | newsroom.paypal-corp.com |
| PlasmaPlasma (Tether-backed) | Plasma L1 | Bitcoin-anchored EVM chain offering zero-fee USDT transfers. | mainnet beta September 25, 2025 | notable | eco.com |
| Ripple USD (RLUSD)Ripple | RLUSD | Ripple's enterprise stablecoin; usable by agents via x402 on the XRP Ledger. | live; ~$2.5B market cap (October 2026) | notable | finance.yahoo.com |
| Swift blockchain ledgerSwift | Shared ledger for tokenised deposits | Bank-run shared ledger enabling 24/7 cross-border tokenised-deposit payments. | ready for use July 9, 2026; 17 pilot banks | notable | swift.com |
| USA₮ (USAT)Tether / Anchorage Digital | USAT stablecoin | Tether's US-regulated dollar token, issued by Anchorage Digital Bank under the GENIUS framework. | launched January 27, 2026 on Ethereum; Celo added July 29, 2026 | notable | tether.io |
| Google Cloud Universal LedgerGoogle Cloud | GCUL | Google Cloud's payments blockchain, cited as an Arc and Tempo rival. | in development; launch status unverified | emerging | finextra.com |
| Kite AIKite | Kite Chain + Agent Passport | Agent-payments L1 on Avalanche with spend-limited Agent Passport wallets. | mainnet April 30, 2026; $35M raised (PayPal Ventures, General Catalyst) | emerging | globenewswire.com |
| NET DollarCloudflare | NET Dollar stablecoin | Planned USD-backed stablecoin for agent and pay-per-use internet transactions. | announced September 2025; site still says 'available soon' | emerging | netdollar.cloudflare.com |
| Stable | StableChain | USDT-native Layer 1 where fees are paid in USDT with sub-second finality. | mainnet (roadmap phase 1, Q3 2025) | emerging | stable.xyz |