“Managing spend for 5 agents is a settings page.
Managing spend for 500 agents is an operations problem.”
The agent economy isn't coming. It's here. Budget allocation, per-agent rules, instant revocation, real-time monitoring — this is infrastructure, not a feature.
Private key lives in .env file
One breach = wallet drained. No limits, no recovery.
Agent holds a credential string
Compromised credential can only spend within your preset limits. Not your keys, not your wallet.
x402 needs agents to have their own wallets
Key management per-agent. Fund each one separately. One gets compromised, it's gone.
One wallet rides any x402 rail
Credential delegates from your wallet. Agent pays any x402-enabled API — no owned wallet needed.
Managing 100 agents is a spreadsheet
Which agent spent what? Who has access? No visibility, no control at scale.
Mission Control — fleet management built in
Every agent, every limit, every transaction in one dashboard. Revoke any agent instantly.
Custodial service holds your keys
Trust a third party. Hope they don't get hacked or go offline.
Non-custodial. You keep your keys.
Limits enforced by smart contract. We can't move your money. The chain enforces the rules.
Agents need ETH for gas
Fund two tokens per agent. Monitor two balances. Agent stops when gas runs out mid-task.
Agent only needs USDC
Our relayer covers gas. One token, zero headaches. $0.005 per transaction.
Sending to 0x4eB1b8Dd6eccBE4fE...
Off by one character = funds gone forever. Every payment is a risk.
Send to alice.pay
Human-readable .pay names on-chain. Agents paying agents — readable, verifiable, permanent.
HTTP 402 has been dormant for 30 years. x402 brings it back: API returns a price → agent pays USDC → gets access. No accounts, no API keys, no billing cycles. Stripe launched it. Coinbase built for it. The standards war is happening now.
x402 tells agents how to pay. It doesn't tell you who controls how much they spend. PaySpawn is the wallet layer — the fleet credential that lets any agent ride any x402 rail, within your limits, without owning a single private key.
“x402 is the payment rail. PaySpawn is the wallet your agent uses to ride it.”
Your agent hits a 402 API → PaySpawn handles the payment automatically, within your spending limits
POST /api/x402 → payment settled, access grantedGate your own services behind x402 — PaySpawn is the full facilitator stack
/api/x402/verify + /api/x402/settleEach agent gets its own credential with its own daily limit, all delegating from one wallet you already have. No new wallets, no new keys, no new risk.
Any wallet. MetaMask, Coinbase, Smart Wallet. Your keys never leave your device.
One per agent — each with independent daily limits. 3 agents or 300, same flow.
Paste the credential string. Agent calls our API or SDK to pay any x402 API, on-chain, within your limits.
Credential string in env. SDK call to pay. Agent sends USDC to any wallet, .pay name, or x402 API — on-chain in ~2 seconds. No private keys. No ETH. No complexity.
import { PaySpawn } from '@payspawn/sdk' const ps = new PaySpawn( process.env.PAYSPAWN_CREDENTIAL ) // pay a .pay name await ps.pay('alice.pay', 5.00) // call any x402 API — payment handled automatically await ps.fetch('https://api.example.com/data')
When agent-to-agent commerce becomes real — and it's coming fast — hex addresses aren't an identity layer. .pay names are. Registered on-chain on Base. Resolved anywhere PaySpawn is accepted.
alice.pay sends to research-bot.pay. On-chain. Verifiable. No typos, no hex, no fear.
Full x402 facilitator. Pay any x402-enabled API or gate your own services — all with on-chain spending limits. The payment standard the agent economy is converging on.
Mission Control dashboard — create, monitor, and revoke any agent credential from one place. Built for operators running agents at scale.
Your keys never leave your wallet. We can't access your funds. Limits enforced by smart contract, not our servers.
Human-readable on-chain names. Agent-to-agent payments without hex addresses. The identity layer for the agent economy.
Agents only need USDC. Our relayer covers gas. One token, zero ETH headaches.
Revoke any credential on-chain immediately. Compromise is always bounded. One click, immediate effect.
Pay to .eth or .base.eth names directly. Works alongside the full Ethereum name ecosystem.
$0.005 per transaction. No monthly costs. Agents just need USDC.
There are now a dozen products claiming to solve agent payments. Most solve wallets — where money lives. PaySpawn solves control — how it moves. These are different problems.
Custodial wallet-as-a-service. They manage keys on your behalf via secure enclaves.
Custodial — Privy holds the keys. Software-enforced limits. If their servers go down, your controls go with them. Enterprise pricing ($5K+/mo).
Financial infrastructure for agents. Bank accounts + crypto. x402 support. MCP integration. Fund once, agents spend autonomously.
Built on Privy — same custodial model, same server dependency. Software spending limits. No on-chain enforcement. No fleet provisioning or counterparty whitelists.
Agents create and own their own wallets. Full autonomy — agents hold their own keys and sign their own transactions.
The agent IS the wallet owner. No delegation, no spending limits, no revocation. A compromised agent has full control of its funds with nothing to stop it.
Hardware-backed key management via Trusted Execution Environments. Sub-100ms signing. Multi-chain. Policy engine with granular controls.
Software-enforced policies — enforcement lives in their TEE servers. No on-chain limits. Enterprise-grade complexity and pricing. Clients include Polymarket, Axiom.
Wallet-native delegation with spending constraints baked into MetaMask. Set limits directly inside the wallet UI.
Enforcement lives in the MetaMask client. Switch wallets = controls gone. Only works if the agent uses MetaMask. No fleet management, no batch provisioning.
Fiat-to-crypto onramp and swap rails for agents. x402 compatible. npm install CLI. Agents can fund wallets and execute swaps.
Payment rails only — no spending limits, no caps, no revocation. Gets money IN, but nothing controls how it goes OUT. Complementary to PaySpawn, not competing.
Programmable multisig wallet with spending limit modules. On-chain rules enforced by the Safe contract. Industry standard for DAO treasuries.
Requires migrating to a Safe wallet. Complex multisig setup. Not designed for AI agent delegation. No fleet provisioning. High setup friction — days, not minutes.
| Feature | PaySpawn On-Chain Control | Privy | Sponge | Coinbase AgentKit | Turnkey | MetaMask ERC-7710 | MoonPay Agents |
|---|---|---|---|---|---|---|---|
Non-Custodial You keep your keys. No one holds funds on your behalf. | |||||||
No New Wallet Required Works with MetaMask, Coinbase, Ledger — whatever you already have. | |||||||
On-Chain Enforcement Limits enforced by smart contract, not a server or software. | partial | ||||||
Works With Any Wallet Wallet-agnostic — the limit travels with the credential, not the wallet. | |||||||
Fleet Provisioning Batch-create credentials for unlimited agents in a single transaction. | |||||||
Counterparty Whitelist Agent can ONLY pay specific contract addresses. Enforced by math. | |||||||
x402 Auto-Pay Native x402 protocol support — ps.fetch() pays automatically within limits. | |||||||
Signed Receipts Cryptographic payment proof for agent-to-agent trust verification. | |||||||
Open Source Contract and SDK fully open source and verifiable on Basescan. | |||||||
Free + 5-Min Setup No enterprise sales call. No monthly fee. npm install and go. |
The others solve wallets and key management. PaySpawn solves the layer above — what the agent is allowed to do with the money it can access. That's a different problem.
MoonPay gets money in.
Sponge lets agents spend it.
Coinbase gives agents their own wallet.
PaySpawn controls how it moves — and the math enforces it.
These aren't competitors. They're different layers of the same stack. PaySpawn is the control layer. It works on top of all of them.
Flat fee per transaction. No percentage. No monthly costs.
Fee is additive — recipient gets the full amount. We cover gas.
One wallet. Unlimited agents. x402 native. $0.005 flat per tx.