for individuals & businesses who sell across borders
The first AI-native stablecoin wallet.
Cut costs 5x. Grow revenue up to 20%.
Accept payments from global customers and AI agents.
🏆 x402 Hackathon Winner · 🇪🇺 Built in EU · Virtual bank accounts
One wallet
Cut costs. Reach more buyers. Funds settle in seconds.
Up to 5x cheaper.
1.00–1.75% per transaction. No upfront fees. Stripe charges 2.8–5.6% plus $0.30 per transaction. One wallet replaces checkout + invoicing + bank + accountant.
Reach buyers your checkout can’t.
2.9B people online without cards. 741M crypto wallet holders. Stripe serves 46 countries. There are 195. Open a EUR/USD account in 30 seconds.
AI agents become your customers.
Same checkout, new buyer type. AI agents pay invoices and trigger transactions via API. A new revenue stream your competitors can’t capture yet.
See it in action
From signup to first payment in 30 seconds.
Accept payments. Funds settle in seconds.
Create checkout links in seconds. Customers pay with cards, wallets, or bank transfer. You get EUR in your account. Auto invoices included.
Virtual bank account. Withdraw to your bank.
Get a virtual bank account from a licensed EU e-money institution. Withdraw EUR to your local bank. Your accountant sees EUR only.
AI agents pay you too.
Same checkout, new buyer type. AI agents complete purchases via API. Set guardrails for spending limits and approved vendors.
How it works
Your customer clicks pay. Funds settle in seconds.
Customer chooses how to pay
Digital wallet or bank transfer. One checkout for humans and AI alike.
One tap to pay. Settled in under 1 second.
1.00–1.75% vs 2.8–5.6% on cards. Banks take 1–3 days. Funds settle in seconds.
Why switch
One wallet replaces four tools.
Powered by MiCA-regulated stablecoins from Circle (EURC/USDC). Bank settlement via Monerium (licensed EU EMI).
| Feature | Stripe + bank + invoicing tool | AgentaOS |
|---|---|---|
| Tools needed | 3-4 tools that don’t talk to each other | One stablecoin wallet |
| Fees | 2.8-5.6% (card network + Stripe + fixed fee) | 1.00–1.75% per transaction. No upfront fees |
| Buyer types | Card holders only (46 countries) | Cards, wallets, bank transfer, AI agents (160+ countries) |
| Settlement | 1-3 business days | Under 1 second |
| Bank settlement | Separate bank account needed | Virtual bank account + withdrawal built in |
| Invoicing & accounting | Separate tools. 8-12 hrs/month reconciling | Built in. Auto-generated. Tax-ready export |
| Fund control | Custodial. They can freeze your funds | Non-custodial. Your keys, your funds |
| Regulation | Traditional banking / PSP license | Non-custodial; MiCA-regulated stablecoins |
Real founders
They switched. Here's what happened.
"We sell online courses to non-profits in Africa. No payment processor would touch it. We set up AgentaOS, got paid the same week, opened a virtual bank account, and withdrew EUR to our Macedonian bank via SEPA."
Education company
Skopje, North Macedonia. Online courses.
"My Estonian company invoices in EUR. My Swiss client pays in ETH. AgentaOS generates the invoice, the client pays from Switzerland, and I get EUR in my virtual bank account. My accountant never sees crypto."
Panche I., founder
Tallinn, Estonia.
AI-native
Set up by talking to your AI.
Works with Claude Code or Amp · REST API · CLI · MCP server
Pricing
Free to start. Scale when you're ready.
Start now
Set up in 30 seconds. Cut costs from day one.
- 1.00–1.75%. Pay when paid
- Checkout links, auto invoicing, EUR/USD account
- Virtual bank account + withdrawal to your bank
- Accept cards, wallets, and AI agent payments
- REST API, CLI, and MCP server
- Non-custodial. Your keys, your funds
No lock-in. Paid plans for higher volume.
Enterprise
Scale your business with dedicated support.
- Volume-based pricing
- Custom guardrail policies
- Priority support & SLA
- Multi-user access controls
- Compliance & audit reports
- White-glove onboarding
Frequently asked questions.
The first AI-native stablecoin wallet for individuals and businesses. Cut payment costs by 5x. Grow revenue by up to 20% by reaching global customers, crypto-native buyers, and AI agents. One wallet with checkout, auto invoicing, and bank settlement. 160+ countries. Open in 30 seconds.
Individuals and businesses who sell online. Founders in regions Stripe doesn’t serve (Balkans, Africa, Latin America, Middle East). Freelancers overpaying on card fees. Crypto-native sellers who need proper invoicing with EUR, VAT, and exchange rates. Anyone who wants one wallet instead of four tools. 160+ countries supported.
Three ways. Customers with cards pay through a standard checkout. Crypto-native customers pay with stablecoins from their wallet. AI agents pay via API. All three settle instantly to your wallet. You withdraw EUR to your bank via virtual bank account anytime.
Your funds are backed 1:1 by EUR and USD in regulated reserves. Non-custodial. You hold your own keys. The key security model is peer-reviewed. No single party ever holds your full private key.
EUR settlement: 160+ countries can get a virtual bank account through our regulated e-money partner. 36+ countries for EUR bank transfers. This includes the Western Balkans; North Macedonia, Serbia, Albania, Montenegro, Bosnia, and Kosovo. Payments: Accept stablecoin payments from customers worldwide. AI agents: Pay via checkout API from anywhere.
Two ways. First, AI agents can pay you: they complete checkouts, pay invoices, and trigger payments via your API. That's a new revenue stream from AI buyers. Second, you can hire AI agents: create sub-accounts with spending limits and guardrails, and let them handle payments, reconciliation, and operations on your behalf.
The first AI-native stablecoin wallet. Cut costs 5x. Grow revenue up to 20%.
One wallet for checkout, invoicing, and bank settlement. Global customers, crypto-native buyers, and AI agents. 160+ countries. Open in 30 seconds.