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Vybe Collect · Sales deck
Agents can spend. Sellers still can’t get paid.
Collect is money in (humans + agents). Pay is P2P. Wallet holds it. HTTP 402 catalogs settle into the same `@you` balance — web is the desk, mobile is daily money.
vybe.finance/collect · Confidential
01 · The gap
Spend rails shipped. Payout rails didn’t.
What agents get today
- Wallets & virtual spend caps (Cloudflare, CDP, Reap…)
- x402 / MPP protocols to attach payment to HTTP
- Ability to try APIs and book services headlessly
What freelancers still face
- Prices buried in DMs and PDFs agents can’t parse
- Merchant accounts & card KYC for “just get paid”
- A second crypto dashboard if they accept USDC at all
Result: the agent abandons checkout. The sale never happens.
02 · Thesis
Every agent wallet needs a place for money to land.
Collect is that place for individuals and API sellers—not another spend wallet, not Cloudflare Monetization Gateway for Workers. A toggle on your service page. Or middleware on your route.
- Collect
- Money in · humans + agents
- Pay
- P2P by @username
- Wallet
- Hold · later approve
- Surfaces
- Web desk · mobile daily
03 · Product
Three pillars. Collect is the wedge.
- CollectPublish /s/@you · toggle Collect · humans and agents pay in
- PayP2P by @username — confirm, send, no address homework
- WalletOne balance. Agent spend approval (Monzo-style) is next
Live protocol: vybe-agent-collect v0.1 · PAYMENT-REQUIRED / PAYMENT-SIGNATURE · txHash settle · npm express-vybe-402
04 · Who buys
Two ICPs. One rail.
Freelancers & specialists
Designers, auditors, coaches, studios—anyone selling timed work. They already want `@username` pay links. Collect makes them agent-payable in five minutes.
API / product teams
Gate `/v1/*` with express-vybe-402. Callers hit 402, pay USDC, retry. Optional webhooks for fulfillment. Not a card checkout form for a homepage—pay-per-call for agents and scripts.
05 · Market
Agentic commerce is leaving the lab.
McKinsey-range outlooks put US agentic commerce near $0.9–1T by ~2030. Spend infrastructure is crowded; merchant collect for individuals is not.
06 · Why now
The spend side just standardized.
- x402 — Linux Foundation–backed; tens of millions of monthly machine payments in USDC (mostly Base).
- Cloudflare Wallets — handles claimed; Virtual Wallets for agent spend caps.
- Card & neobank accelerators — Reap, issuer MPP, Visa agentic research: everyone funds the buyer.
- Missing piece — freelancers still aren’t a machine- readable merchant. That’s Collect.
07 · Unit economics
Software margins on payment GMV.
150 bps on Collect / payment requests when fees are live
Invoices under $50 face amount are fee-waived by default
No merchant account, no monthly Collect fee, ~5 min setup
express-vybe-402 gates routes; same USDC settle + balance
Same fee model as Vybe payment requests—Collect doesn’t invent a second pricing stack. Optional Business plan for higher limits / branding.
08 · Profitability model
At 1.5% take rate, GMV compounds cleanly.
Annualized Collect GMVPlatform fee @ 1.5%Stage
$1M$15KEarly freelancer + API GMV
$10M$150KRegional seed of Collect sellers
$100M$1.5MCategory foothold across stable rails
Illustrative—not a forecast. High gross margin: settlement verify + ledger on existing Vybe stack; no card acquiring float.
09 · Positioning
We don’t compete with wallets. We complete them.
Spend credentials for agents
Collect: where that spend lands for sellersGet paid if you’re already on Cloudflare
Get paid if you’re a freelancer with @youHuman card checkout on websites
HTTP 402 for agents + humans on one balance10 · What’s live
Shipped—not a whitepaper.
- Codeless Collect toggle on published service pages
- Agent catalog + 402 intents with x402 headers and facilitator settle
- Human fallback at /r/… into the same payment request
- Business credentials, HMAC webhooks, Activity → Agents
- Public npm package
express-vybe-402 - Product + claim CTA at vybe.finance/collect
11 · The ask
Be the default get-paid rail when agents shop.
Design partners: seed freelancers, API sellers, and spend wallets that need a merchant destination. Co-demo: agent pays → Collect settles → balance moves.
Sources on market slides are third-party estimates; product fees are configurable. © Vybe