Coinbase is pushing agentic commerce forward with Payments MCP, a new tool that lets AI agents create wallets, access onramps, and make stablecoin payments via the x402 protocol without human setup.
Developed by the Coinbase Developer Platform, Payments MCP allows AI agents to interact directly with the crypto economy through simple prompts.
It supports wallet creation, sign-in with just an email, stablecoin transactions, and fiat-to-crypto onramps.
Users can configure agents, set spend limits, and manage transactions through a local desktop interface built for speed and security.
The tool also includes the x402 Bazaar Explorer and guest checkout in supported regions, requiring no developer setup or API keys.
Built on the Model Context Protocol (MCP), the integration lets AI models safely access external tools and services.
It expands on Coinbase’s earlier work with x402, an open web-native payment protocol that revives the long-unused “402 Payment Required” HTTP status code to enable instant stablecoin payments, and comes ahead of an x402 Foundation initiative led by Coinbase and Cloudflare.
By linking AI systems with blockchain infrastructure, Coinbase aims to make agentic commerce more practical, allowing AI agents to participate in real-world transactions.
The company says Payments MCP is among the first tools that let popular language models such as Claude Desktop, Claude Code, Codex, Gemini, and Cherry Studio access wallets, onramps, and payments without an API key. Support for additional models is expected soon.
Coinbase said Payments MCP bridges AI and decentralised finance by enabling agents to pay for compute, access paywalled data, tip creators, and manage lightweight business operations through x402.
Users can set spending limits and permissions to maintain control and security while experimenting with autonomous payments.
Developers can explore Payments MCP through Coinbase’s GitHub page, with documentation available on its developer portal.
Coinbase plans to expand agentic commerce capabilities with additional integrations, developer tools, and LLM support.
Featured image: Edited by Fintech News Singapore, based on image by thanyakij-12 via Freepik
