Agent payments · USDC and card

Let AI agents pay for you, and pay you.

Give Claude or Cursor a wallet with limits you set, so it can pay for tools, APIs and people. Put a price on your own tool or API, and get paid by agents in USDC and by people by card.

Get started free

Free to sign up. Pay, get paid, or both, from one account.

Limits checked on every payment Agents and people pay one listing One balance

Your assistantExample

Check these 40 delivery postcodes before I book the courier.

A postcode lookup API charges $0.001 a call, so 40 comes to $0.04. Paying from your Vybe wallet.

All 40 are valid. 2 are outside the courier’s zone.

Approve this payment?

$0.04

40 postcode lookups · USDC

DeclineApprove

Your sales today

An agent · USDC+$0.02

A person · card+$15.00

Claude, Cursor and Claude CodeUSDC from a fraction of a centCard for people at checkout

The problem

Agents can do the work. Money is where they get stuck.

Payments were built for a person at a checkout. An agent buying a 2 cent API call, or selling one, has nowhere to go.

Your agent stops at every paywall

A paid tool or API wants a sign-up, a card and a key. The agent waits for you, and the task stalls until you're back.

A card in an agent has no ceiling

Paste a card into an agent and the only limit is your bank's. Nothing outside the chat decides when it has spent enough.

Your API can't charge an agent

Agents skip sign-up forms and monthly plans. If paying you needs an account, they move on to a tool that takes payment per call.

How it works

One account to pay and to get paid.

Use one side or both. Your @name, your wallet and your sales all sit in the same place.

When your agent pays

Connect your assistant

In Claude, add the Vybe connector and sign in. In Cursor or Claude Code, paste one config block.

Set its limits

Pick a maximum per payment and a daily cap. Name the sellers it may pay, if you want a shortlist.

Approve and it pays

Each payment shows who, what and how much. Approve with your PIN and it settles in seconds.

When you get paid

Put a price on it

List your API, tool or service in Collect with a price per call or per job. No API yet? Buildr builds one for you.

Agents and people pay

Agents pay in USDC, over HTTP 402 or through Vybe Pay. People open your link and pay by card or crypto.

It lands in one balance

Every sale shows up in your Vybe balance as it happens, with a webhook so your app knows it's paid.

Get started free

Paying: you stay in control

Limits your agent can’t talk its way past.

Vybe checks every payment against your rules on our servers. The agent never sees the settings, so no prompt can raise your cap.

Maximum per payment

Anything bigger is refused before you're even asked.

Daily cap

Once it's reached, payments stop until the next day.

Seller shortlist

Limit an agent to the sellers you name. Everyone else is refused.

Trusted sellers

Trust a seller once and top up an agent pool. Small payments to them go through without a tap, inside your caps.

End date and revoke

Give a key an expiry date, or revoke it. The next payment fails.

PIN on every Approve

Approving needs your Vybe PIN, so a borrowed phone can't say yes.

Try it: move the limits and watch what your agent can pay.

Max per payment $5Daily cap $25Trust @postcodesSmall payments to this seller come out of your agent pool without a tap.

2 paid without a tap, 2 waiting for you, 3 refused. At most $0.50 of your $25 cap.

Your agent’s dayExample

40 postcode lookups@postcodes · Paid from your agent pool$0.04
Read a web page@pagereader · Waits for you to Approve$0.02
Company lookup API@leadsdata · Waits for you to Approve$0.40
40 postcode lookups@postcodes · Paid from your agent pool$0.04
Logo design invoice@studio_ana · Refused: over your per-payment max$12
Dinner split with a friend@kemi · Refused: over your per-payment max$25
Scrape 10,000 pages@bulkscrape · Refused: over your per-payment max$60

Getting paid

One listing. Agents and people both pay it.

Set your price once. Agents pay it in USDC from their own wallets, people pay it by card or crypto, and every sale lands in the same balance.

Charge per call

Price a call at a fraction of a cent. Agents pay it in USDC, at a size no card fee allows.

HTTP 402 for agents

Wrap a route with express-vybe-402. Unpaid calls get a 402, the agent pays and retries. x402 clients work too.

Card or crypto for people

Turn on card checkout and people pay the same listing through Stripe from $0.50, or in crypto.

Links, Checkout and invoices

Send a payment link, start a Checkout session from your app, or let your agent invoice another agent.

No API? Use Buildr

Describe a tool in plain English. Buildr builds it, hosts it and lists it on the marketplace with your price.

Know the moment it's paid

A payment.paid webhook fires on every sale, whether the buyer was an agent or a person.

Charge agents per callExpress

import { requireVybePayment } from "express-vybe-402";

// Agents get HTTP 402 until they pay for this route.
app.get(
  "/v1/insights",
  requireVybePayment({
    username: "you",
    offeringId: "svc_9fQ2Kd",
  }),
  (req, res) => res.json(buildInsights()),
);

Unpaid calls never reach your handler. People can pay the same listing at its /r/ link.

Get started free

Why not just use a card?

Cards were built for people at a till.

Agents make lots of small payments, to sellers they’ve never met, with nobody watching.

CardsVybe

A limit your agent can't change Only your bank's card limit Per payment and per day, checked by Vybe

Payments of a few cents Card fees make them impractical From a fraction of a cent, in USDC

Asks before paying someone new No Yes, until you trust them

Stop one agent Cancel the card everywhere Revoke that agent's key

Get paid by an agent It needs an account and a card form It pays your listing and retries

Get paid by people too A separate merchant account Card or crypto on the same listing

Get started free

Crypto and card

USDC where agents need it. Card where people expect it.

You don’t pick one. Agents pay in USDC, people pick card or crypto, and the seller sees every payment as a sale.

How agents pay

USDC

A 2 cent call costs 2 cents. Payments settle in seconds on Base, Ethereum or BNB Chain, and you see them in dollars.

How people pay

Card

Sellers switch on card checkout once. People pay through Stripe from $0.50, for the same listing an agent buys.

Coming soon

Bank

Add US dollars from your bank account, and cash out to it.

Live on Vybe

Sellers already getting paid by agents.

Every tool below is live on the Vybe marketplace and priced per use. Your agent can pay for them today.

APIs that charge per call

Data, search and scanning APIs priced through Vybe.

People, by @name

Send to a friend or a freelancer. Confirm the person and the amount.

Invoices from other agents

Another agent sends a link. Yours pays it after you Approve.

For teams

One wallet for your team’s agents.

Give each agent its own key with its own limits. Revoke one without touching the rest, and see which key made every payment.

Get started free

For apps

Take payments inside your own product.

Start a hosted Checkout session from your server and send people to it. They pay by card or crypto, and a webhook tells your app when it’s done.

Questions

What people ask before they pay, or get paid, with Vybe.

Can my agent spend more than I allow?

No. Vybe checks your per-payment maximum and daily cap on its own servers before every payment. Anything over is refused, whatever the agent was told in the chat.

Which assistants can pay?

Claude on the web and desktop, where you sign in and never paste a key. Cursor and Claude Code work with one config block. Any MCP client that can send a key works too.

What can my agent pay for?

Tools on the Vybe marketplace, APIs that charge through Vybe, people by @name and invoices from other agents. It can't pay checkouts on other websites yet.

Do I have to approve every payment?

By default, yes. If you trust a seller and turn on auto-settle, small payments to them come out of your agent pool without a tap, still inside your caps. Free trials and calls from a bundle you already bought never need a tap.

How do I get paid by agents?

Create a listing in Collect and wrap your route with express-vybe-402, or call the Collect API. Agents get an HTTP 402, pay in USDC and retry. If you don't have an API, Buildr builds and hosts a tool for you.

Can people pay me by card?

Yes. Turn on card checkout and people pay the same listing through Stripe, from $0.50. Agents pay it in USDC. Both land in your Vybe balance as sales.

What does it cost?

Signing up is free, with no setup or monthly fee. Vybe takes a small platform fee on payments, and card payments also carry Stripe's fee. Buildr tools follow your Buildr plan.

How do I add money?

Today you add USDC or USDT to your Vybe wallet from MetaMask, on Base, Ethereum or BNB Chain. Adding US dollars from a bank is coming soon.

Is Vybe a bank or a crypto exchange?

Neither. Vybe is software. Your wallet is self-custody with email recovery, so there's no seed phrase to write down. Card payments go through Stripe.

Want the long version? Read how paying works or how collecting works.

Your move

Let your AI pay. Let agents pay you.

Free to sign up. Your agent can’t spend a cent until you add money and set its limits, and your first listing takes a few minutes.

Already have an account? Open your wallet