Circle has integrated its Developer-Controlled Wallets with the x402 protocol, allowing AI agents to autonomously pay for API access using USDC.
Circle Internet Financial has unveiled a new integration that allows artificial intelligence agents to pay for online services autonomously. The development, announced on Sept. 12, combines the firm’s wallet infrastructure with a new payment protocol to facilitate automated transactions using USD Coin USDC $1.00 24h volatility: 0.0% Market cap: $71.30 B Vol. 24h: $7.51 B .
According to the company blog post, the system is built on Coinbase’s x402 protocol, an open standard that reactivates the long-dormant HTTP 402 “Payment Required” status code. This technology enables web services to request an on-chain payment before fulfilling a data request, opening up new possibilities for API monetization.
The new model allows an AI agent to complete a transaction without any human intervention. For example, an agent needing a wallet risk report from a paywalled API can automatically pay the small fee in USDC to receive the data, streamlining the entire process into one programmatic flow.
A New Model for Machine-to-Machine Commerce
This integration paves the way for new pay-per-use business models for developers and online platforms. Instead of relying on traditional subscriptions, services can now charge small amounts for individual API calls, making microtransactions a more viable option for monetizing digital resources.
The system utilizes Circle’s Developer-Controlled Wallets, which are managed through an API and secured with multi-party computation (MPC) technology to protect private keys. This allows the AI agent to manage funds and authorize payments without directly handling sensitive credentials.
To demonstrate the functionality, Circle developed a sample application using the Langchain framework and OpenAI’s GPT-4o mini model. In the demonstration, the agent successfully created a wallet, funded it using the testnet faucet, and paid for a risk profile report from a third-party service.
The fusion of AI agents with autonomous payment capabilities marks a significant step toward a more sophisticated machine-to-machine economy. This allows software to not only process information but also to participate in economic transactions, reflecting the company’s broader push to expand USDC adoption.
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