Every AI agent today can browse, code, and email. None of them can actually pay for anything without a human co-signing.
Here's the exact gap:
Agent → Stripe API → Which agent? Which task? Which budget?
The payment rails see an API key. They don't see agent identity. So you can't enforce per-agent budgets, audit spend, or revoke a rogue agent without revoking the human's credentials too.
This is being solved right now:
- Kontext CLI: credential broker for coding agents (70 HN points)
- Pomerium: zero-trust gateway extended for agents
- AgentMail (YC S25): email addresses as agent identity primitives
- Grantex: IETF draft for agent authorization without human consent flows
But the product layer is missing. AgentPay is building the payment control plane — MCP + Stripe + per-agent budgets + audit trails.
61 MCP servers. 61 npm packages. The tools are free. The middleware is where the value lives.
Try it: agentpay.so
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