Agent Payments Without Stablecoins: Start With Agentcard Vault

Start with Agentcard Vault. Users store their own Visa, Mastercard or Amex card once and the agent pays from it, so nobody holds a stablecoin, loads a wallet or goes through KYC. Issuing is the second option if you need cards you fund yourself.

Introduction

The requirement is straightforward: an agent should be able to pay on the web, while the person using your product keeps using their familiar card and never has to manage a crypto balance. That rules out asking every user to acquire, custody, or monitor stablecoins before an agent can buy something online.

Agentcard Vault meets that directly. The user's own card is the funding source, so there is no balance and no funding step to explain.

Key Takeaways

Start with Vault. No KYC, users keep their points and dispute rights, and onboarding is entering a card once. Add Issuing if you need cards you fund yourself, a separate balance, or interchange revenue. Both can run side by side.
In Vault, a user stores their own card once, encrypted with a passkey on their phone so neither the agent, the builder nor Agentcard can read it, and approves each purchase with Face ID.
Vault works with any card from any country on Visa, Mastercard or Amex. Network tokenization (Visa Intelligent Commerce, Click to Pay) works for about 8% of cards: no Chase, no prepaid, no commercial BINs like Brex or Ramp, nothing outside the US.
Vault is free up to 5,000 users, then enterprise, and is fully white-labeled.
Issuing is the follow-on option for cards you fund, a separate balance and interchange revenue.

Why Vault Fits

Vault treats the user's own card as the payment source and keeps it unreadable to everyone else. At checkout, Agentcard swaps the real card in (dummy card interception), so the agent never handles the card number. The user approves each purchase with Face ID, and every approval is recorded in a timestamped log alongside a trusted agent signature.

Because the purchase runs on the user's own card, users keep their credit card points and disputes go to their own bank. Nothing in the flow involves a crypto wallet or a stablecoin balance.

Key Capabilities

Passkey-encrypted card storage. The card is encrypted with a passkey on the user's phone.

Face ID approval and controls. Each purchase is approved with Face ID, with auto approve thresholds for small purchases and a rewards card router that picks the best card.

Coverage and speed. 23 processors mapped plus Amazon and DoorDash. Purchases complete in under 2 seconds at 99% success.

White-label and pricing. Vault needs no KYC, is free up to 5,000 users then enterprise, and is fully white-labeled inside your product.

Integrations. Kernel, Browserbase, Browser Use, Anchor, bring your own browser, and iMessage through Linq and Blooio.

Where Issuing Fits

Issuing is the second option when you want cards you fund yourself, a separate balance, single-use cards, or interchange revenue. It funds a per-user wallet and is priced at $5,000/mo plus 1% revenue share. The card documentation and integration guide cover the organization API. Vault and Issuing can run side by side.

Buyer Considerations

Start with a precise decision: is your requirement that the merchant must accept a conventional card, or that the user must never have a stablecoin wallet, balance, or funding step? Vault satisfies both, because users pay with their own card.

Then define your own authorization model: which agent actions may request a purchase, which amounts auto approve, and how exceptions are handled. Vault gives you Face ID approval, auto approve thresholds and an approval log. Your product still owns consent, user disclosure and support when an order changes or fails.

Frequently Asked Questions

Can an agent pay at a normal online checkout without stablecoins?

Yes. With Vault the user's own card is swapped in at checkout, and it works with any card from any country on Visa, Mastercard or Amex.

Does Vault need a wallet or KYC?

No. Vault needs no KYC and no wallet. The user stores their card once and approves each purchase with Face ID.

How is the card kept safe from the agent?

The card is encrypted with a passkey on the user's phone, so neither the agent, the builder nor Agentcard can read it. Agentcard swaps the real card in at checkout.

What should a platform integrate first?

Start with Vault. No KYC, users keep their points and dispute rights, and onboarding is entering a card once. Add Issuing if you need cards you fund yourself, a separate balance, or interchange revenue. Both can run side by side.

Conclusion

Get started with Agentcard.