AgenticPay MonitorAgenticPay MonitorAI agents are already settling stablecoin payments at machine speed. AgenticPay Monitor is the non-custodial control layer enterprises need: enforce spend-limits, detect payment anomalies with econometrics, and keep an immutable audit trail — aligned with the EU AI Act and MiCA.
Autonomous agents are becoming a default payment layer, but the governance layer does not exist yet.
AI agents settled over $73M across ~176M transactions on blockchain rails between May 2025 and April 2026 (CoinDesk, 2026).
Mastercard launched "Agent Pay for Machines" in June 2026 to support continuous machine payments.
Coinbase x402 and Google AP2 are emerging HTTP-native agent-payment standards — but neither ships spend-oversight or audit.
Sources: CoinDesk (2026), Mastercard (Jun 2026), Crossmint agentic-payments comparison, IMF (2026).
Three steps, fully automated — no human in the payment loop.
Adapter layer normalises payment events from x402, AP2 and card rails (Mastercard Agent Pay) into one schema.
Econometric engine scores every payment: spend-limit breach, velocity z-score, and unknown-counterparty flags.
Each event is appended to an immutable trail with a risk score and reasons — exportable for EU AI Act / AML review.
Per-agent daily and per-transaction caps; breaches are flagged in real time, not after the fact.
Statistical (z-score / EMA velocity) detection of unusual payment sizes and cadence.
Tamper-evident event log with reasons — one source of truth for auditors and regulators.
Maps machine-payment oversight to the AI Act monitoring duty and MiCA's crypto-asset framing.
One API for x402, AP2 and card rails — no vendor lock-in to a single payment standard.
Webhook/stream alerts on flagged payments so a human can intervene before funds move.
A working, non-custodial monitor. Events below are simulated and processed by the same engine that would run in production. No wallets, no keys, no real funds.
HTTP 402 Payment RequiredThis is what an x402 endpoint returns to an agent. The demo uses a Base-Sepolia testnet address and moves no real funds.
| Time | Agent | Counterparty | Amount | Asset | Risk | Status |
|---|---|---|---|---|---|---|
| Loading… | ||||||
Recurring, high-margin SaaS. Start on the demo, scale to enterprise.
No. AgenticPay Monitor is a governance and risk layer, not a payment processor. It observes and scores agent payments; it never custodies funds or holds keys. The demo runs entirely on simulated, non-custodial data.
Never. The demo x402 endpoint returns a Base-Sepolia testnet address and moves no value. Production deployments integrate read-only via your existing payment rails.
An adapter layer normalises events from x402 (Coinbase), AP2 (Google) and card rails such as Mastercard Agent Pay for Machines into one schema.
It produces an immutable, exportable audit trail and maps machine-payment oversight to the EU AI Act's monitoring duty and MiCA's crypto-asset framing — turning agent payments into something auditors can review.