---
title: "Locus"
slug: "locus-natural-locus"
status: "active"
last_checked: "2026-07-05"
categories:
  - "money"
---

# Locus

Locus gives AI agents a USDC wallet on Base with spending limits and permissions that developers set and that are enforced on every transaction.

- Status: active
- URL: https://paywithlocus.com/
- Last checked: 2026-07-05
- Freshness: 1 days
- Founded: 2025
- Funding: not published

- Aliases: Natural Locus, Pay With Locus

## Editorial

Y Combinator Fall 2025 company, two-person team as of launch. Product is available through beta.paywithlocus.com, and the public site says Build with Locus, Checkout with Locus, and the API catalog are live on the beta.

## Offerings

### Money

- Offering status: beta
- What you get: Agents get a non-custodial smart wallet on Base funded with USDC, with developer-defined spending limits, per-transaction budgets, approval thresholds, and vendor allowlists enforced on every transaction, plus a checkout SDK that settles sale proceeds into the wallet and pay-per-use access to third-party APIs from the same balance.
- Acquisition: waitlist
- Geographies: not published
- Pricing: not published
- Pricing URL: not published
- API: yes
- SDK: yes
- MCP: not published
- Standards: not published

| Field | Value |
| --- | --- |
| offering_type | wallet |
| custody_model | self |
| partner_bank | not published |
| fdic_passthrough | not published |
| rails | USDC, Base |
| spend_controls | per-transaction budgets, spending limits, approval thresholds, vendor allowlists |
| fees | not published |
| who_can_open | Developers building AI agents, via beta sign-up |

Gotchas:
- Product access is through the beta site.
- No public fee schedule for wallet funding or settlement was found.

## Sources

- https://paywithlocus.com/
- https://www.ycombinator.com/companies/locus
- https://www.ycombinator.com/launches/Oj6-locus-payment-infrastructure-for-ai-agents
- https://www.ycombinator.com/launches/Qqk-locus-founder