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Agent economy map

Line viewProfiles

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.

  1. 012

    Identity

    Who the agent is and who it acts for

  2. 021

    Mandate

    How much it may spend, and on what

  3. 032

    Wallet

    Which account pays and who signs

  4. 043

    Protocol

    How quote, payment and proof are exchanged

  5. 051

    Risk

    Sanctions, AML and policy checks before settlement

  6. 060

    Network

    Which rail clears the money

  7. 070

    Settlement asset

    What asset settles the payment

  8. 080

    Merchant

    How the seller receives and reconciles

Rated grade and weighted scoreListed listed, not ratedInsufficient evidence summary, evidence or verification missingNot graded protocols and rails are not graded
01

Identity & authorization

2

KYA, Agent ID and credential systems: who is paying and which entity is accountable

Skyfire

L2 · 67

Skyfire 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.

KYAAgent walletPayment credential

Verified 2026-09-05

Sumsub

L2 · 65

Sumsub 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.

AI Agent Verification (agent-to-human binding)KYC/KYBAML monitoring

Verified 2026-10-02

02

Mandates & limits

1

Mandates, spending caps and policy engines that enforce boundaries outside the agent

Catena Labs

Insufficient evidence

Catena 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.

ACK-IDACK-PayPolicy engineUSD accounts

Verified 2026-10-02

03

Agent wallets

2

Wallets and accounts that hold assets and sign for agents

Skyfire

L2 · 67

Skyfire 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.

KYAAgent walletPayment credentialMain layer: Identity & authorization

Verified 2026-09-05

Catena Labs

Insufficient evidence

Catena 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.

ACK-IDACK-PayPolicy engineUSD accountsMain layer: Mandates & limits

Verified 2026-10-02

04

Payment protocols

3

Standards for how agents discover price and initiate payment

Agentic Commerce Protocol (ACP)

Not graded

ACP (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.

Live

Verified 2026-10-02

Coinbase x402

Not graded

x402 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.

Live

Verified 2026-10-02

Google AP2 · Agent Payments Protocol

Not graded

AP2 (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.

Live

Verified 2026-10-02

05

Compliance & risk

1

AML, sanctions screening, firewall, audit and accountability before settlement

Sumsub

L2 · 65

Sumsub 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.

AI Agent Verification (agent-to-human binding)KYC/KYBAML monitoringMain layer: Identity & authorization

Verified 2026-10-02

06

Payment networks

No profiles yet

Settlement networks and clearing rails carrying agent payments

07

Stablecoin settlement

No profiles yet

Stablecoins used as settlement assets and their issuers

08

Merchant tools

No profiles yet

Tools that let merchants accept and reconcile agent payments

Beyond the path · ecosystem

Agent marketplaces

No profiles yet

Machine-to-machine markets for data, compute, models

Bank & incumbent pilots

No profiles yet

Agent-payment pilots by banks, card networks and PSPs

Regulators & working groups

No profiles yet

Regulators and standards bodies shaping the rules

Other infrastructure

No profiles yet

Verified infrastructure profiles not yet assigned to a specific layer

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