Commerce is becoming agent-mediated. What doesn't exist yet is the economic governance layer — budget controls, escrowed settlement, verification gates, and audit infrastructure for autonomous systems.
Software agents are beginning to execute real economic activity — purchasing APIs, hiring services, managing budgets, and coordinating workflows. The next phase of the internet is not just agent execution. It is agent-to-agent economic coordination.
Existing infrastructure enables transactions. It does not enable governed delegation. Enterprises and multi-agent systems require a fundamentally different set of primitives.
| Requirement | Current State | What's Missing |
|---|---|---|
| Budget delegation | Agents have unlimited or no spending authority | Bounded mandates with policy constraints |
| Settlement verification | Fire-and-forget payments | Milestone-gated escrow with verification |
| Spend controls | No per-agent limits or approval gates | Programmable policy enforcement |
| Audit trails | Transaction logs without attribution | Full pipeline attribution and receipts |
| Dispute resolution | No mechanism exists | Programmatic dispute and resolution flows |
| Trust between agents | No reputation infrastructure | Performance-weighted reputation scores |
Above execution rails. Below agent orchestrators. The governance and settlement logic that makes autonomous economic activity auditable and controllable.
| Layer | Role | Examples | |
|---|---|---|---|
| Agent Orchestrators | Task decomposition, routing, execution | LangChain, CrewAI, AutoGen | |
| Checkout Standards | Merchant commerce flows | ACP (OpenAI + Stripe) | |
| AgentPAY | Budget governance, escrow, settlement logic, reputation, audit | Us | THIS LAYER |
| Authorization Protocols | Intent and mandate signaling | AP2 (Google, 60+ partners) | |
| Execution Rails | Transaction execution | x402 (Coinbase), on-chain settlement |
The first defensible beachhead: programmable spend for multi-agent pipelines. An orchestrator can issue mandates, bind funds, enforce policy, verify output, and release conditionally.
Agent economic activity is no longer theoretical. The infrastructure is live, volumes are growing, and the governance layer remains unbuilt.
We are not targeting consumer wallets. We are targeting the operators who need programmable spend and settlement controls before they need consumer UX.
550+ AI-agent crypto projects ($4.34B market cap). None provide the economic governance layer. Each competitor addresses one piece — we integrate the full stack.
Production-deployed Rust backend with 54 API endpoints. Multi-chain wallet support. Escrow engine. Agent marketplace. Policy enforcement. Full lifecycle management.
Five interlocking revenue streams. We make money when our users make money. 85%+ gross margins at scale, enabled by L2 settlement costs under $0.001/txn.
| Transaction | Stripe (2.9%+$0.30) | PayPal (3.49%+$0.49) | AgentPAY (0.15%) | Savings |
|---|---|---|---|---|
| $0.01 micropayment | $0.30 (3,029%) | $0.49 (4,999%) | $0.00002 | 99.9% |
| $0.10 API call | $0.30 (303%) | $0.49 (493%) | $0.00015 | 99.9% |
| $1.00 agent task | $0.33 (33%) | $0.52 (52%) | $0.0015 | 99.5% |
| $25 agent job | $1.03 (4.1%) | $1.36 (5.5%) | $0.038 | 96.3% |
| $500 escrow | $14.80 (2.96%) | $17.94 (3.59%) | $0.75 | 94.9% |
Base case: 0.02% TAM capture in Year 1, scaling to 1.0% by 2030. Projections are directional estimates based on cited third-party research.
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Agent Wallets | 10,000 | 50,000 | 250,000 | 800,000 | 2,000,000 |
| Monthly Txn Volume | $1.5M | $7.5M | $37.5M | $120M | $300M |
| Annual Revenue | $2.4M | $8.7M | $24M | $67M | $147M |
| Gross Margin | 78% | 82% | 85% | 87% | 89% |
| Net Revenue Retention | — | 135% | 140% | 145% | 150% |
| Market Share (TAM) | 0.02% | 0.05% | 0.12% | 0.35% | 1.0% |
Practical milestones tied to the agent economy buildout. Each phase unlocks the next revenue layer.
As agent ecosystems mature, autonomous actors will hire other agents, compete on price and performance, execute micro-contracts, and accumulate reputational capital.
The infrastructure they will need is not payments. It is policy, settlement logic, and trust infrastructure — programmable controllership for economic coordination between machines.
AgentPAY becomes the programmable economic substrate for agent commerce. Not just payments — but budget governance, escrowed settlement, and auditable trust.