Embedded Agent Wallets: Secure Agentic Payments Infrastructure for Commerce

As the world increasingly relies on AI agents, AI agent companies have a massive opportunity to unlock new revenue streams by allowing their agents to access any marketplace, and ultimately, let users purchase & sell goods and services directly through them. However, traditional financial rails weren't built for agentic commerce and pose critical security issues when AI agents store sensitive data like credit and debit cards.

Embedded agent wallets are a key piece of payments infrastructure needed for AI agent companies to enable their AI agents to transact and move money in the most secure way. In this article, we'll dive into embedded agent wallets and explore how AI agent companies can benefit from implementing stablecoins.

What are Embedded Agent Wallets?

Embedded agent wallets are wallets that are statically linked and permanently connected to AI agents. These wallets are built on stablecoin infrastructure which means payments and transactions have lower fees (as low as 0.1% per transaction), faster settlements (minutes instead of days), are globally accessible, programmable with smart contracts and more.

Embedded agent wallet providers like Crossmint offer wallet APIs specifically designed for AI agents, focusing on three core principles:

1. Ease of Use: Simple APIs that integrate seamlessly with all the main agent frameworks
2. Regulatory Compliance: Non-custodial architecture that eliminates custody risk for agent platforms
3. Security: Protect against key leakage and unwanted actions through a combination of smart contract guardrails and Hardware-based security through TEEs

They can be implemented in a few lines of code on the client or server-side and are built to be seamlessly integrated into the AI agent interfaces so users can have a more intuitive, uninterrupted user experience.

For example, here's how you can create embedded agent wallets in a few lines of code:

// Our agent, "agentOne", is getting set up to navigate the online world
const agentWallet = await fetch('https://staging.crossmint.com/api/v1-alpha2/wallets', {
  method: "POST",
  body:{
    "type": "evm-smart-wallet",
    "config": {
      "signer": {
        "type": "evm-keypair",
        // agentOne's public key
        "address": env.agentPublicKey
       }
    }
  }
})

Embedded Agent Wallets for AI Agent Companies

For AI agent companies that want a full stack solution to handle wallets, onramps, compliance, tokenization and more, Crossmint's Agentic Finance platform is an all-in-one toolkit for moving money securely and turning AI agents into economic actors:

1. Embedded Agent Wallets: Non-custodial wallets with programmable guardrails that enable agents to manage assets securely, maintain accountability through auditable transaction records, and operate within configured spending limits.
2. World Store: An API service giving agents access to all of Amazon and Shopify inventory, flights, and more. Over 1 billion SKUs of real-world goods and services, with support for payments using major tokens across 40+ chains.
3. Credentials: Tools to authorize agents to act on users' behalf securely. Allow third parties to verify affiliations of the agent's owner like being an accredited investor, over 18, nationality and more.
4. GOAT SDK: An open-source library offering 250+ onchain actions across 40+ blockchains, allowing agents to send stablecoins, swap tokens, and create DeFi positions with MIT license and support for major frameworks.

If you’re an AI agent company and want to learn more, reach out to us here!