Coinflow
Coinflow is stablecoin-based payments infrastructure that lets merchants accept and settle payments instantly, including payments initiated by AI agents via x402.
Merchants get payment acceptance and instant USDC settlement across cards, ACH, SEPA, and crypto, plus participation in the x402 open standard and Mastercard's Agent Pay for Machines initiative so they can accept payments initiated by AI agents.
- Offering type
- rail
- Custody model
- custodial
- Partner bank
- not published
- FDIC passthrough
- not published
- Rails
- USDCVisaMastercardACHSEPAInterac
- Spend controls
- not published
- Fees
- not published
- Who can open
- Merchants and platforms (marketplaces, gaming, remittance, fintech, e-commerce, payroll); not a consumer or agent-held wallet product.
- Integration
- API, SDK
- Pricing
- not published
Our take
Coinflow is a merchant-side payments processor, not an agent-facing wallet or spend-control product. It earns a place here as a listed supporter of Mastercard's Agent Pay for Machines initiative and a participant in the x402 Foundation, meaning merchants using Coinflow can accept instant stablecoin payments from AI agents. Buyers looking for a wallet or card that an agent itself holds and spends from should look elsewhere in this registry.