agentwallet.md

35 programmable wallets, MCP servers, and payment rails for AI agents. Open directory, no paid listings.

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Agent-readable 35 productsUpdated 2026-04-28 No paid listings
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Category
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250K+
Daily active on-chain agents
$70M
AI.com sale price (2026)
400%
YoY agent growth
ERC-4337
The standard behind it all

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Kuberna Labs
by (open source on GitHub)
Infra OSS
Kubernetes-native infrastructure platform for deploying, scaling, and managing AI agent workloads in containerized environments.
TypeScript ⭐ 39 Free
Coinbase Agentic Wallet Skills
by (open source on GitHub)
Sdk OSS
Agent skills for crypto wallet operations enabling AI agents to authenticate, send USDC, trade tokens, and more using the awal CLI.
JavaScript ⭐ 100 Free

Agent Wallet Infrastructure

Give your AI agent a wallet. These are purpose-built for agents — MPC keys, delegated signing, spending controls, no private key exposure.

Coinbase AgentKit
by Coinbase · Open Source
WalletMCPOSS
The most popular open-source agent wallet framework. MPC key management, no private key exposure. Built-in actions: transfer, swap, deploy tokens, mint NFTs. Also works as MCP server.
LangChain / Vercel AI SDKMulti-chain (Base, ETH, Polygon, Arbitrum)Free
MetaMask Smart Accounts
by ConsenSys · ERC-4337 + ERC-7710
WalletDelegation
Smart account toolkit with delegated transactions for AI agents. Agents get scoped, revocable permissions — signing key stays on the user's device. CoinFello OpenClaw skill enables MetaMask agent transactions.
ERC-4337 Smart AccountsERC-7710 DelegationsSnaps extensible
Circle Programmable Wallets
by Circle · USDC-native
Wallet
MPC-based wallet infrastructure. USDC-native, gas station (sponsored gas), smart contract platform. Enterprise-grade for agents that need to hold and move stablecoins.
MPC key shardingGas sponsorshipMulti-chain
Skyfire
by Skyfire
WalletPayment
Payment infrastructure purpose-built for AI agent transactions. USDC settlement, usage-based micropayments, agent-to-agent payments. API-first.
USDC settlementMicropaymentsAgent-to-agent
Crossmint
by Crossmint
Wallet
Agent wallet infrastructure with built-in identity and compliance. Custodial + non-custodial wallets, fiat on-ramp, multi-chain, KYC-ready.
Fiat on-rampKYC-readyNFT minting API
Payman AI
by Payman
WalletPayment
AI agent payment platform with built-in wallet and task marketplace. Spending controls, task-based payments, human-in-the-loop approval.
Spending controlsTask marketplaceHuman-in-the-loop
Privy Server Wallets
by Privy
SDKWallet
Embedded wallet SDK with server-side wallets — no UI needed, ideal for headless AI agents. Cross-chain, fiat on-ramp, policy engine for spending rules.
Server wallets (headless)Policy engineCross-chain
Turnkey
by Turnkey
SDKWallet
Cryptographic key infrastructure with policy-based signing. TEE-based secure enclaves. Sub-organization model lets each agent have its own isolated wallet with custom policies.
TEE secure enclavesPolicy engineAPI-first
Safe (Gnosis Safe)
by Safe Ecosystem Foundation · Most TVL in smart accounts
WalletMulti-sigOSS
Multi-sig and modular smart account platform. Modules and guards enable programmable agent logic. Most total value locked of any smart account platform.
Multi-sigModular (Safe{Core})Highest TVL
Cobo Agentic Wallet
by Cobo · 80+ chains
WalletMPC
AI agent wallet with Pact guardrails — structured agreements defining what an agent can do, under which rules, and when authority ends. MPC key splitting ensures no single party can move funds. Integrates with LangChain, OpenAI Agents SDK, Claude MCP, Agno, and CrewAI.
Pact guardrails80+ chainsMPC security
Human.tech Agentic WaaP
by Human.tech · Wallet as a Protocol
Wallet2PC
Wallet-as-a-Protocol with cryptographically-enforced human oversight. Two-party computation splits keys between user device and secure enclave. Agents trade and manage portfolios within user-defined limits, with high-risk actions routed for one-tap Telegram approval. No API key required.
2PC custodyTelegram approvalNo API key needed

Agent Payment Rails

How agents pay for things — from HTTP-native crypto payments to Visa card credentials. TradFi and crypto are converging here.

x402 Protocol
by Coinbase · Open Source
PaymentProtocolOSS
HTTP 402-based machine-to-machine payment protocol. Agent hits an API, gets a 402 response, pays in USDC, gets access. No auth tokens, no subscriptions — just pay per request.
HTTP-nativeUSDC settlementPay-per-request
Stripe Agent Toolkit
by Stripe · Open Source
PaymentSDKOSS
Official toolkit for AI agents to use Stripe APIs. Create payment links, send invoices, check balances, manage subscriptions. LangChain and Vercel AI SDK integration.
Payment linksInvoicingMetered billing
Visa Intelligent Commerce
by Visa
Payment
AI-ready payment credentials for agent commerce. Tokenized credentials let agents initiate card payments, negotiate with merchant AI. The TradFi bridge to agent economy.
Tokenized credentialsAgent-initiated paymentsAnnounced 2025
Mastercard Agent Pay
by Mastercard
Payment
Framework for AI agents to make payments on cardholder's behalf. Tokenized agent credentials, spending controls, biometric confirmation for high-value transactions.
Spending controlsBiometric confirmAnnounced 2025
Gnosis Pay
by Gnosis
PaymentWalletOSS
Self-custodial Visa debit card linked to a Safe smart account. On-chain wallet funds spendable via a real Visa card. Programmable spending rules via Safe modules.
Visa debitSafe-linkedSelf-custodial
PayPal Agent Checkout
by PayPal
Payment
Agent-to-merchant payment flow. AI agent commerce APIs for checkout, invoicing, and disbursement.
Agent commerce APIsAnnounced 2025

Standards & ERCs

The building blocks. Every agent wallet is built on these standards — account abstraction, delegation, session keys, modular accounts.

ERC-4337 — Account Abstraction
Standard
The foundational standard. Smart accounts with UserOperations, Bundlers, Paymasters. Enables gas sponsorship, batched transactions, and custom validation logic. Every agent wallet listed above uses this.
Status: FinalUsed by: everyone
EIP-7702 — EOA Smart Account Upgrade (Pectra)
Standard
Allows existing EOA wallets to temporarily act as smart accounts. Batch transactions, gas sponsorship, and delegated signing — without migrating to a new address. Included in Ethereum's Pectra upgrade.
Status: Included in PectraSupersedes EIP-3074
ERC-7710 — Delegation Framework
Standard
How agents get permission to act on your behalf. Scoped, revocable delegations with caveats and enforcers. Used by MetaMask Delegator and CoinFello.
Status: DraftUsed by: MetaMask, CoinFello
ERC-7715 — Session Key Permissions
Standard
wallet_grantPermissions RPC method. Agents request time-limited, action-scoped session keys. The user approves once, the agent operates autonomously within bounds.
Status: DraftSession key management
ERC-7579 — Modular Smart Accounts
Standard
Minimal interface for composable smart account modules. Install/uninstall capabilities like plugins. Adopted by Rhinestone, Biconomy, ZeroDev.
Status: DraftUsed by: Rhinestone, Biconomy, ZeroDev
ERC-6900 — Modular Account Standard
Standard
Plugin interface standard for modular smart accounts. More opinionated than 7579. Used by Alchemy's Modular Account.
Status: DraftUsed by: Alchemy
MPC-TSS — Threshold Signatures
Standard
Not an ERC but the cryptographic foundation. Key is split into shares — no single point of failure. Used by Coinbase, Circle, Fireblocks, Turnkey, Web3Auth for agent signing.
ProductionUsed by: most wallet infra

MCP Servers for Crypto

Connect your AI agent to on-chain data and wallet operations via Model Context Protocol. The standard integration layer.

Coinbase AgentKit MCP
MCPWalletOSS
AgentKit's MCP server mode. Wallet creation, transfers, token deployment, DeFi actions — all accessible via MCP protocol from Claude, Cursor, or any MCP client.
GOAT (Great Onchain Agent Toolkit)
MCPOSS
200+ DeFi tools via MCP. Swap, lend, bridge, stake — multi-chain. The largest collection of on-chain agent actions.
Alchemy MCP Server
MCPOSS
MCP server for Alchemy's blockchain APIs. Token balances, NFT data, transaction history, smart account operations.

On-Chain Agent Identity

Who is this agent? On-chain identity, attestation, and reputation for agent wallets. The unsolved frontier.

ENS (Ethereum Name Service)
IdentityOSS
Human-readable names for agent addresses. Text records for agent metadata, subdomains for sub-agents. The DNS of Ethereum.
Ethereum Attestation Service (EAS)
IdentityOSS
Schema-based on-chain attestations. Composable reputation — agents can build verifiable track records of their transactions and behavior.
Coinbase Verifications
Identity
KYC-backed on-chain attestations on Base. Verify the human behind an agent wallet — country, age — without exposing PII.
World ID (Worldcoin)
IdentityOSS
Proof-of-personhood. ZK proofs to verify "a real human controls this agent" without revealing who. Useful for distinguishing autonomous agents from human-operated ones.

Agent Wallet Comparison

Picking a wallet for your agent? Here's what matters: key management, chain support, and whether your agent can act autonomously.

Wallet Key Model Chains Agent Autonomy Best For
Coinbase AgentKit MPC Base, ETH, Polygon, Arbitrum Full Getting started fast
MetaMask Smart Accounts Smart Account + Delegation EVM chains Scoped User-delegated agent actions
Circle Wallets MPC Multi-chain Full USDC-heavy operations
Privy Server Wallets Server-side EVM + Solana Full Headless agents (no UI)
Turnkey TEE + Policy EVM chains Policy-bounded Enterprise with strict rules
Safe Multi-sig + Modules EVM chains Module-bounded High-value treasury
Skyfire Custodial (USDC) Multi-chain Full Agent micropayments
Crossmint MPC / Custodial Multi-chain Full Compliance-first agents
Payman AI Custodial Multi-chain Human-in-loop Task-based agent payments
Cobo Agentic Wallet MPC + Pact 80+ chains Pact-bounded Multi-chain with guardrails
Human.tech WaaP 2PC (device + enclave) Multi-chain Human-in-loop Cryptographic human oversight

Agent Autonomy: Full = agent can transact independently. Scoped = agent acts within delegated permissions. Human-in-loop = requires approval for transactions.

Guides & Comparisons

In-depth guides to help you choose the right infrastructure for your AI agent.

Best MPC Wallets for AI Agents (2026)
Comparison
Side-by-side comparison of Coinbase AgentKit, Circle, Cobo, and Privy. Chains, security, pricing, and integration — which MPC wallet fits your agent?
How AI Agents Make Payments: Crypto vs Fiat vs Hybrid
Guide
Complete guide to agent payment rails — x402, Skyfire, Stripe, Visa, Mastercard, and Gnosis Pay. When to use crypto, fiat, or hybrid approaches.

Frequently Asked Questions

Common questions about AI agent wallets, payment rails, and on-chain identity.

What is an AI agent wallet?
An AI agent wallet is a crypto wallet designed specifically for autonomous AI agents. Unlike traditional wallets controlled by humans, agent wallets use MPC key management, smart accounts with delegated permissions, or custodial APIs so that AI agents can hold, send, and receive cryptocurrency without exposing private keys.
What is the best wallet for getting started with AI agents?
Coinbase AgentKit is the most popular starting point. It's open-source, supports multiple chains (Base, Ethereum, Polygon, Arbitrum, Solana), and integrates with LangChain and Vercel AI SDK. It also works as an MCP server for Claude and other AI tools.
What is ERC-4337 and why does it matter for agent wallets?
ERC-4337 is the Account Abstraction standard on Ethereum. It enables smart accounts that support gas sponsorship, batched transactions, and custom validation logic. Most agent wallet infrastructure is built on top of ERC-4337 because it allows agents to operate autonomously with programmable rules.
How do AI agents make payments?
AI agents can make payments through crypto rails (x402 Protocol for HTTP-native USDC payments, Skyfire for micropayments), traditional payment rails (Stripe Agent Toolkit, Visa Intelligent Commerce, Mastercard Agent Pay), or hybrid approaches (Gnosis Pay links a Visa debit card to a Safe smart account).
What is the x402 protocol?
x402 is an open-source protocol by Coinbase that uses HTTP 402 status codes for machine-to-machine payments. When an agent hits an API, it receives a 402 response, pays in USDC, and gets access. No auth tokens or subscriptions needed — just pay per request.

List Your Agent Wallet

Building wallet infrastructure for AI agents? Submit it. We'll review, categorize, and list it in the directory.

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