Crypto payments company Exodus launched XO Cash, a Solana-based stablecoin designed to give AI agents controlled access to digital payments, aiming to help autonomous software spend, route and manage funds without taking custody of users’ private keys.
Developed with MoonPay, XO Cash is paired with AgentKit, a developer toolkit that allows builders to issue dedicated wallets to AI agents through a single API call, the company announced on Friday.
Exodus gives AI agents guardrails for spending
The company said XO Cash is designed to keep users in control of their assets while giving AI agents limited authority to transact, with agent wallets drawing from a user’s Exodus Pay balance while private keys remain with the user, who decides where, when and how each agent can spend.
Those controls include daily spending limits, per-transaction caps, approved merchants and rate limits that can be adjusted over time.
Exodus is positioning the system as infrastructure for a future in which AI agents may handle purchases, subscriptions, renewals and service payments on behalf of users without being given unrestricted access to their money.
Exodus CEO and co-founder JP Richardson said agents need payment tools but should not be required to manage private keys, adding that XO Cash lets a user hand an agent a wallet without handing over control of the keys.
Debit cards extend XO Cash beyond crypto rails
Exodus said every agent wallet can also issue its own debit card through infrastructure connected to Exodus Pay, MoonPay and Monavate, allowing AI agents to transact with merchants that accept Visa.
The same rules applied to the agent wallet would automatically govern card payments, meaning users can still limit where, how often and how much an agent is allowed to spend.
XO Cash also supports automatic conversion into USDC or USDT during payments, giving agents more flexibility across stablecoin networks without requiring users to manage each conversion manually.
Agent commerce starts drawing bigger players
XO Cash arrives as major technology and payments companies begin turning agent payments from a future concept into live infrastructure.
Amazon Web Services recently introduced AgentCore Payments for Amazon Bedrock in partnership with Coinbase and Stripe, allowing AI agents to pay for web content, APIs, MCP servers and other agents under enterprise controls. Coinbase said the system uses its x402 payment layer and wallet infrastructure, with USDC settlement supported on Base and Solana.
Cloudflare has added similar support through its Agents SDK, which allows AI agents to buy digital resources programmatically using x402 and other machine-payment protocols.
Together, those launches show how agent payments are moving from theory into live infrastructure, with crypto firms, cloud providers and payment companies competing to define how autonomous software safely spends online.