Agentic Commerce: Securing Autonomous AI Payments with x402

The AI economy

We've entered the era of "agentic commerce." Users are no longer just using AI to write emails; they're deploying autonomous agents to manage businesses, buy software subscriptions and restock physical offices. But legacy card networks are structurally incapable of handling AI agents — they require human biometrics or 2FA checks to authorise a transaction.

Enter the x402 protocol

To bridge this gap, Furlpay is proud to support the x402 Machine Payments Protocol, developed in collaboration with Stripe and Coinbase:

// Authorize an AI agent to execute payments under strict limits
const agentWallet = await Furlpay.agents.create({
  ownerAddress: userSafeAddress,
  spendingLimits: {
    daily: 100.00,        // maximum $100 per day
    perTransaction: 20.00 // maximum $20 per transaction
  },
  allowedMerchants: ["github.com", "openai.com", "vercel.com"]
});

Using x402, users delegate a sub-wallet to an AI agent. The agent signs micro-transactions on L2 networks using programmatic keys, but only within the limits set in the wallet contract. If the agent is compromised or goes rogue, it cannot spend beyond its daily allowance — bringing security and accountability to the machine economy.