---
title: "Coinflow"
slug: "coinflow"
status: "active"
last_checked: "2026-07-05"
categories:
  - "money"
---

# Coinflow

Coinflow is stablecoin-based payments infrastructure that lets merchants accept and settle payments instantly, including payments initiated by AI agents via x402.

- Status: active
- URL: https://www.coinflow.cash/
- Last checked: 2026-07-05
- Freshness: 1 days
- Founded: 2022
- Funding: Raised a $25M Series A in October 2025 led by Pantera Capital, with Coinbase Ventures, CMT Digital, Jump Capital, Reciprocal Ventures, Digital Currency Group, and Draper Dragon participating.

- Aliases: Coinflow Labs

## Editorial

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.

## Offerings

### Money

- Offering status: live
- What you get: 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.
- Acquisition: sales_led
- Geographies: not published
- Pricing: not published
- Pricing URL: not published
- API: yes
- SDK: yes
- MCP: not published
- Standards: x402

| Field | Value |
| --- | --- |
| offering_type | rail |
| custody_model | custodial |
| partner_bank | not published |
| fdic_passthrough | not published |
| rails | USDC, Visa, Mastercard, ACH, SEPA, Interac |
| 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. |

## Sources

- https://www.coinflow.cash/
- https://docs.coinflow.cash/
- https://www.mastercard.com/us/en/news-and-trends/press/2026/june/mastercard-launches-agent-pay-for-machines.html
- https://fortune.com/crypto/2025/10/08/stablecoin-coinflow-startup-funding-round-pantera-stripe-payments/