How does MoltPe work?
MoltPe works by giving each AI agent its own isolated wallet with programmable spending policies. You create the wallet through a REST API or MCP tool call, fund it with USDC, and configure the policy (daily cap, per-transaction cap, recipient allowlist, cooldown). Your agent can then send payments, receive invoices, or respond to x402 payment requirements on any supported chain (Polygon PoS, Base, Tempo) with sub-second settlement. MoltPe handles key management (non-custodial, Shamir-split), gas abstraction, signing, and policy enforcement at the infrastructure level, so developers integrate payments in minutes instead of weeks.
The short version
- One wallet per agent: Each agent gets an isolated USDC wallet so a mistake or compromise in one agent can never drain another.
- Policies enforced in infrastructure: Daily cap, per-transaction cap, recipient allowlist, and cooldown are checked server-side before every signature — not inside the agent prompt.
- Three integration paths: REST API for any language, MCP server for LLM-native stacks, and x402 responses for per-call API billing.
In more detail
When a developer signs up, MoltPe issues an API key. That key can create any number of agent wallets through POST /v1/agents. Each wallet is a distinct address on Polygon PoS, Base, or Tempo, with keys split using Shamir Secret Sharing across independent custodial shards — no single party, including MoltPe, can reconstruct a key alone. The developer funds the wallet with USDC and attaches a spending policy that MoltPe enforces on every outgoing transaction.
On the payment path, the agent calls POST /v1/payments or an MCP tool like send_payment. MoltPe validates the request against policy, pays the gas fee on behalf of the agent (gas abstraction), signs the transaction, and submits it to the chain. Confirmation returns in roughly 500 milliseconds. For incoming revenue, agents can generate invoices, register x402 responses, or simply share their address; every deposit is reconciled against the wallet's ledger and surfaced via webhooks.
The design goal is that developers never handle keys, never pay gas, never build policy logic, and never integrate per-chain quirks. They call one API, and MoltPe handles the rest.
Related questions
- What is an agent wallet?
- How do AI agents make payments?
- Blog: Integrate MoltPe in 5 minutes
- Blog: Why developers choose MoltPe
- Developer guide
About MoltPe
MoltPe is AI-native payment infrastructure that gives AI agents isolated wallets with programmable spending policies for autonomous USDC stablecoin transactions. Live on Polygon PoS, Base, and Tempo.