{"id":52583,"date":"2025-10-23T09:56:51","date_gmt":"2025-10-23T02:56:51","guid":{"rendered":"https:\/\/hbbgroup.net\/coinbase-links-ai-to-crypto-payments-with-new-protocol-for-autonomous-transactions\/"},"modified":"2025-10-23T09:56:51","modified_gmt":"2025-10-23T02:56:51","slug":"coinbase-links-ai-to-crypto-payments-with-new-protocol-for-autonomous-transactions","status":"publish","type":"post","link":"https:\/\/hbbgroup.net\/vi\/coinbase-links-ai-to-crypto-payments-with-new-protocol-for-autonomous-transactions\/","title":{"rendered":"Coinbase Links AI to Crypto Payments With New Protocol for Autonomous Transactions"},"content":{"rendered":"<div>\n<div>\n<h4 color=\"#333\">In brief<\/h4>\n<ul>\n<li>Coinbase\u2019s new MCP tool lets AI agents hold wallets and send stablecoin payments.<\/li>\n<li>Payments MCP builds on Coinbase\u2019s x402 protocol for machine-to-machine crypto transfers.<\/li>\n<li>Built-in wallet limits and compliance checks aim to keep AI spending safe and traceable.<\/li>\n<\/ul>\n<\/div>\n<p>Coinbase is linking artificial intelligence directly to crypto payments with a new system built on the <a href=\"https:\/\/www.coinbase.com\/developer-platform\/discover\/launches\/payments-mcp\" target=\"_blank\" rel=\"noopener\">Model Context Protocol<\/a> that lets <a href=\"https:\/\/decrypt.co\/resources\/what-are-ai-agents-how-autonomous-programs-are-transforming-cryptocurrency\" target=\"_blank\" rel=\"noopener\">AI agents<\/a> hold wallets, send stablecoin payments, and interact with online services.<\/p>\n<p>The launch of Payments MCP connects AI to on-chain value transfer at scale, giving machines the ability to transact autonomously through a standardized protocol.<\/p>\n<p>Payments MCP builds on x402, Coinbase\u2019s open payment standard based on the long-unused \u201cHTTP 402: Payment Required\u201d code. It works with Anthropic\u2019s Claude (Desktop and Code), Google\u2019s <a href=\"https:\/\/decrypt.co\/336878\/google-boosts-gemini-ai-capabilities-latest-salvo-against-chatgpt\" target=\"_blank\" rel=\"noopener\">Gemini<\/a>, OpenAI\u2019s <a href=\"https:\/\/decrypt.co\/320481\/openai-codex-agents-closer-downsizing-dev-team\" target=\"_blank\" rel=\"noopener\">Codex<\/a>, and Cherry Studio, allowing <a href=\"https:\/\/decrypt.co\/308690\/how-developers-are-solving-ais-financial-limitations-with-blockchain\" target=\"_blank\" rel=\"noopener\">agents<\/a> to create wallets, onramp funds, and send stablecoin payments directly from a prompt.<\/p>\n<p>\u201cCrypto is uniquely suited to machines,\u201d Erik Reppel, Coinbase\u2019s head of engineering for its developer platform, told <i>Decrypt<\/i>. \u201cIt is the only open, digital-native standard for payment that any program can use.\u201d<\/p>\n<h2 color=\"#333\"><strong>The Origins of x402<\/strong><\/h2>\n<p>Reppel said the naming of <a href=\"https:\/\/www.coinbase.com\/developer-platform\/products\/x402\" target=\"_blank\" rel=\"noopener\">x402<\/a> was intentional and rooted in a long-running effort to build an internet-native payment standard.<\/p>\n<p>\u201cPeople have been trying to create an internet-native payment standard since the \u201990s,\u201d he said. \u201cMarc Andreessen and the team at Netscape explored it while navigating credit card systems and trying to build true internet payments.\u201d<\/p>\n<p>When HTTPS arrived, Reppel explained, people finally felt safe sending credit cards online, and payments modernized. Still, a standard has yet to emerge. Every merchant handles card data differently; the forms look similar, but the processes between computers are always unique.<\/p>\n<p>\u201cAI agents are just smarter programs, and they work best with programmatic interfaces instead of human-optimized systems,\u201d Reppel said. \u201cNow, with AI agents needing to exchange value programmatically, we finally have the tailwinds to make an open standard possible\u2014a technology ten times better and more accessible than before.\u201d<\/p>\n<h2 color=\"#333\"><strong>Experimenting with Agentic Commerce<\/strong><\/h2>\n<p>Coinbase says Payments MCP makes it simple for users to experiment with AI-driven transactions without writing code.<\/p>\n<p>A built-in interface lets users create and fund wallets with only an email address\u2014no developer setup or API keys required. Through the x402 Bazaar Explorer, agents can browse APIs and services they can pay for directly inside the app. At the same time, an integrated onramp and guest checkout let them begin transacting almost instantly in supported regions.<\/p>\n<p>Users can also set spending limits and manage approvals through an easy configuration panel. For privacy and speed, the system runs locally. Coinbase describes it as a bridge between developer tools and mainstream use, making \u201cagentic commerce\u201d accessible beyond the coding crowd.<\/p>\n<p>The initial release integrates with Claude, Gemini, Codex, and Cherry Studio. ChatGPT isn&#8217;t included because the current transport method used by Payments MCP is incompatible with the streaming variant that OpenAI&#8217;s chat product currently uses; however, support is planned for the future.<\/p>\n<h2 color=\"#333\"><strong>Guardrails and compliance<\/strong><\/h2>\n<p>Each agent wallet has configurable funding limits, approval thresholds, and session caps.<\/p>\n<p>\u201cThe quality of safeguards depends on how programmable the money is,\u201d Reppel said. \u201cWith Payments MCP, you can set limits for your agent. They have dedicated funds you explicitly give them\u2014they don\u2019t have access to your main wallet. It\u2019s impossible for an agent to rack up a credit card bill you\u2019re responsible for.\u201d<\/p>\n<p>He added that developers can build rules engines on top of x402 to manage permissions. \u201cYou could, for example, let an agent spend up to ten cents freely, but require approval for anything higher. It\u2019s all about what the tools and technology allow developers to build in.\u201d<\/p>\n<p>Reppel said Coinbase\u2019s compliance framework mirrors its technical safeguards, with checks built into every layer of the system.<\/p>\n<p>\u201cCoinbase follows all relevant KYC regulations at the points where users enter or exit the system,\u201d he said. \u201cWe handle this under the hood so it doesn\u2019t affect the user experience. That\u2019s part of the value of using CDP tools\u2014we build as much compliance as possible directly into the products.\u201d<\/p>\n<h2 color=\"#333\"><strong>An open standard<\/strong><\/h2>\n<p>Coinbase and Cloudflare are backing the <a href=\"https:\/\/www.coinbase.com\/blog\/coinbase-and-cloudflare-will-launch-x402-foundation\" target=\"_blank\" rel=\"noopener\">x402 Foundation<\/a> to maintain the protocol as company-neutral infrastructure.<\/p>\n<p>\u201cCompanies want to build on open protocols that remain usable whether or not Coinbase exists in two years,\u201d Reppel said.<\/p>\n<p>Reppel predicts 2026 will be the &#8220;year of agentic payments,&#8221; where AI systems programmatically buy services like compute and data.<\/p>\n<p>\u201cMost people will not even know they are using crypto,\u201d he said. \u201cThey will see an AI balance go down five dollars, and the payment settles instantly with stablecoins behind the scenes.\u201d<\/p>\n<div>\n<h3>Generally Intelligent Newsletter<\/h3>\n<p>A weekly AI journey narrated by Gen, a generative AI model.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>In brief Coinbase\u2019s new MCP tool lets AI agents hold wallets and send stablecoin payments. Payments MCP builds on Coinbase\u2019s [&hellip;]<\/p>","protected":false},"author":5,"featured_media":52585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[220],"tags":[],"class_list":["post-52583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tien-dien-tu"],"acf":[],"_links":{"self":[{"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/posts\/52583","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/comments?post=52583"}],"version-history":[{"count":0,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/posts\/52583\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/media\/52585"}],"wp:attachment":[{"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/media?parent=52583"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/categories?post=52583"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/tags?post=52583"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}