Agent economy map
First the eight steps an agent payment passes through, then the projects on each step. Click a step to jump to that layer; every profile records only facts traceable to a public source.
- 012
Identity
Who the agent is and who it acts for
› - 021
Mandate
How much it may spend, and on what
› - 032
Wallet
Which account pays and who signs
› - 043
Protocol
How quote, payment and proof are exchanged
› - 051
Risk
Sanctions, AML and policy checks before settlement
› - 060
Network
Which rail clears the money
› - 070
Settlement asset
What asset settles the payment
› - 080
Merchant
How the seller receives and reconciles
Identity & authorization
2KYA, Agent ID and credential systems: who is paying and which entity is accountable
Skyfire
L2 · 67Skyfire positions itself as the 'Agent Trust Stack', providing AI agents with verified identity (KYA) and payment credentials (Agentic Wallet) across the open internet, covering the full agentic customer journey from access to login to checkout. Its core offerings include the KYA identity token and an agentic commerce wallet, claiming partnerships with major credit card networks and security/identity providers (e.g., Experian, Akamai, DataDome, Okta, Auth0, Mastercard, Visa) to enable reliable agent operations across more than 60% of the web.
Verified 2026-09-05
Sumsub
L2 · 65Sumsub is a compliance provider offering AML screening, transaction monitoring and user verification, and on 2026-01-29 it launched AI Agent Verification, which binds agent activity to a verified human. Its sanctions list coverage, transaction rule actions, webhook results and data retention periods are publicly documented. Agent binding has no public API fields, and whether funds can be stopped before settlement depends on how the client integrates.
Verified 2026-10-02
Mandates & limits
1Mandates, spending caps and policy engines that enforce boundaries outside the agent
Catena Labs
Insufficient evidenceCatena Labs offers accounts that support x402 payments and publishes updates on its blog about ACK v2, the open source Agent Commerce Kit under the MIT license; Catena Trust Bank, N.A. (In Organization) has received conditional preliminary OCC approval. ACK sets concrete rules for binding an agent to its owner and for verifiable receipts, while Catena's descriptions of policy evaluation, limits and ledger records come from blog posts. ACK assigns KYC, KYB and AML checks to the Payment Service, and no public statement on counterparty sanctions screening by Catena was found.
Verified 2026-10-02
Agent wallets
2Wallets and accounts that hold assets and sign for agents
Skyfire
L2 · 67Skyfire positions itself as the 'Agent Trust Stack', providing AI agents with verified identity (KYA) and payment credentials (Agentic Wallet) across the open internet, covering the full agentic customer journey from access to login to checkout. Its core offerings include the KYA identity token and an agentic commerce wallet, claiming partnerships with major credit card networks and security/identity providers (e.g., Experian, Akamai, DataDome, Okta, Auth0, Mastercard, Visa) to enable reliable agent operations across more than 60% of the web.
Verified 2026-09-05
Catena Labs
Insufficient evidenceCatena Labs offers accounts that support x402 payments and publishes updates on its blog about ACK v2, the open source Agent Commerce Kit under the MIT license; Catena Trust Bank, N.A. (In Organization) has received conditional preliminary OCC approval. ACK sets concrete rules for binding an agent to its owner and for verifiable receipts, while Catena's descriptions of policy evaluation, limits and ledger records come from blog posts. ACK assigns KYC, KYB and AML checks to the Payment Service, and no public statement on counterparty sanctions screening by Catena was found.
Verified 2026-10-02
Payment protocols
3Standards for how agents discover price and initiate payment
Agentic Commerce Protocol (ACP)
Not gradedACP (Agentic Commerce Protocol) is an agent checkout protocol maintained by OpenAI and Stripe, open source under Apache 2.0, with the latest stable version dated 2026-04-17 and support for REST and MCP. The spec defines the checkout API, delegated payment tokens bound to an allowance and expiry, and risk signals passed with each request. Block decisions are left to merchants and their payment service providers, and the spec has no sanctions, KYC or AML screening clause and no agent identity field.
Verified 2026-10-02
Coinbase x402
Not gradedx402 is a payment protocol that carries payment requirements, signed authorizations and settlement results in HTTP headers; its repo is maintained by the x402 Foundation under Apache 2.0. The spec defines the payment request, the settlement response and a per-payment cap, and identifies payers only by wallet address. Sanctions and AML screening and risk-based blocking are not in the spec and are left to each facilitator.
Verified 2026-10-02
Google AP2 · Agent Payments Protocol
Not gradedAP2 (Agentic Payment Protocol) is an agent payment protocol launched by Google Cloud in September 2025; the current spec is v0.2 and expresses user authorization through Checkout Mandates and Payment Mandates carried as SD-JWTs. The spec sets concrete rules for authorization constraints, when payment credentials may be released, dispute evidence and selective disclosure. Sanctions and risk-list screening of counterparties and registration of the accountable entity behind an agent are not in the spec and are left to participants such as the Credential Provider, Network and Merchant, or to the Commerce Protocol layer.
Verified 2026-10-02
Compliance & risk
1AML, sanctions screening, firewall, audit and accountability before settlement
Sumsub
L2 · 65Sumsub is a compliance provider offering AML screening, transaction monitoring and user verification, and on 2026-01-29 it launched AI Agent Verification, which binds agent activity to a verified human. Its sanctions list coverage, transaction rule actions, webhook results and data retention periods are publicly documented. Agent binding has no public API fields, and whether funds can be stopped before settlement depends on how the client integrates.
Verified 2026-10-02
06Payment networks
No profiles yet
Payment networks
No profiles yetSettlement networks and clearing rails carrying agent payments
07Stablecoin settlement
No profiles yet
Stablecoin settlement
No profiles yetStablecoins used as settlement assets and their issuers
08Merchant tools
No profiles yet
Merchant tools
No profiles yetTools that let merchants accept and reconcile agent payments
Beyond the path · ecosystem
Agent marketplaces
No profiles yet
Agent marketplaces
No profiles yetMachine-to-machine markets for data, compute, models
Bank & incumbent pilots
No profiles yet
Bank & incumbent pilots
No profiles yetAgent-payment pilots by banks, card networks and PSPs
Regulators & working groups
No profiles yet
Regulators & working groups
No profiles yetRegulators and standards bodies shaping the rules
Other infrastructure
No profiles yet
Other infrastructure
No profiles yetVerified infrastructure profiles not yet assigned to a specific layer
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