01
Agents can't open bank accounts
A stablecoin wallet can be provisioned by code in milliseconds and governed by the business behind the agent.
Agent treasury
Live
$48,213.07
- research-agent-07weather.data · per request−$0.0021
- travel-conciergeHotel deposit · Lisbon−$184.00
- gpu-brokerCompute · 12 GPU-min−$0.48
- content-agentLicensing fee received+$3.20
Daily policy limit$620 / $1,000
Agents will pay in
stablecoins
The payments layer for the agent economy. Wallets, budgets and instant settlement in USD stablecoins.
Trusted by teams building the agent economy
Lumen AINorthwindParallaxKestrelQuanta LabsHelix
Volume processed
$2.4B
Agent payment volume settled on Ovanta
Transactions
310M+
Agent-initiated payments to date
Agents
18,000+
Autonomous agents holding wallets
Reach
140+
Countries, with zero FX friction
Our thesis
The internet has a new customer. It can't use a credit card.
Payment rails were built for humans: business hours, chargebacks, card numbers and settlement in days. Agents operate at machine speed, in machine-sized amounts, across every border at once. Stablecoins are the first money native to the internet, and the natural currency of software.
02
Micropayments finally work
Cards cost ~30¢ plus a percentage. Stablecoin transfers cost fractions of a cent, so agents pay for exactly what they use.
03
Money that is programmable
Budgets, allowlists and escrow live inside the money itself, enforced by code rather than month-end reconciliation.
04
Instant, final, always on
Agents don't sleep and neither should settlement. Sub-second finality, 24/7, with no batch windows.
05
Global by default
A digital dollar works the same everywhere. No correspondent banks, no FX spreads, no borders.
06
Fully reserved, transparent
Regulated, dollar-backed stablecoins redeem 1:1 and are auditable on-chain.
Rails compared
Built for people vs. built for software
| Feature | Cards | Wires / ACH | Ovanta |
|---|---|---|---|
| Settlement time | 1–3 days | 1–5 days | Under 1 second |
| Cost of a $0.01 payment | $0.30+ | Not viable | $0.00002 |
| Availability | Batch settlement | Business hours | 24/7/365 |
| Held natively by an agent | No | No | Yes |
| Programmable spend rules | Limited | No | Per agent |
| Cross-border | 1–3% FX fees | Correspondent banks | Same dollar, everywhere |
| Chargeback risk | High | Medium | Final settlement |
The platform
Everything an agent needs to transact safely
Agent Wallets
A USDC wallet per agent, task or user with one call. MPC key security, no seed phrases.
Spend Policies
Daily caps, merchant allowlists and human approval above a threshold, enforced before signing.
Nanopayments
Pay-per-request down to $0.0001 over HTTP 402. Monetize APIs and content for agent traffic.
Fiat On / Off Ramps
Fund treasuries from a bank and sweep earnings back in 40+ currencies.
Ledger & Audit
Every payment tagged with the task, agent and principal behind it. Export or query live.
Multi-chain Routing
Ethereum, Base, Solana, Arbitrum, Polygon and Avalanche, routed to the cheapest rail.
For developers
Give your agent a wallet in five lines
Works with MCP tools, function calling and HTTP 402 out of the box.
- 1Create a wallet
Each agent gets its own address and balance.
- 2Attach a policy
Budgets, merchants and approval rules.
- 3Let it pay
Agents pay and get paid, with a full audit trail.
agent.tsagent.py
import { Ovanta } from "@ovanta/sdk";
const ovanta = new Ovanta({ apiKey: process.env.OVANTA_KEY });
// 1. Provision a wallet for this agent
const wallet = await ovanta.wallets.create({
agentId: "research-agent-07",
currency: "USDC",
});
// 2. Guardrails, enforced before signing
await wallet.policies.set({
dailyLimit: 50_00, // $50.00
perTxMax: 5_00, // $5.00
requireApprovalAbove: 25_00,
});
// 3. Pay for a resource, per request
const res = await wallet.fetch("https://api.data.xyz/v1/prices");
// → 402 handled · paid $0.0021 · settled in 0.38sUse cases
What agents are buying today
API & data
Pay-per-call APIs
Fractions of a cent per request for search, market data and inference. No accounts, no plans.
92%lower cost than card metering
Commerce
Agentic checkout
Shopping and travel agents buy on a user's behalf, within budgets set once.
3.1×higher completion vs. handoffs
Compute
Machine-to-machine
Agents rent GPUs and storage from other agents, settling by the second.
1.2MM2M settlements per day
Publishers
Pay-per-crawl
Publishers charge AI crawlers per page instead of blocking them.
$4.7Mpaid to publishers to date
The opportunity
A multi-trillion dollar shift, already underway
As agents take on more of the internet's work, a growing share of commerce will be initiated by software and settled in digital dollars.
58×growth 2025–2030
$5.8Tprojected by 2030
Illustrative Ovanta research estimate.
SOC 2 Type II
Independently audited controls.
MPC custody
No single point of key compromise.
Regulated partners
Licensed transmission and reserves.
Real-time screening
Sanctions checks on every transfer.
Give your agents money
they can actually use.
Join 1,200+ teams building on Ovanta.