Monetize your AI tools with HTTP 402 payments and MCP wallet integration. Enable autonomous agent payments without human intervention using our open source agentic commerce infrastructure.
Integrating Latinum Agent Commerce Stack takes less than 1 minute. No SDK required — just add HTTP 402 to your API:
curl -X POST https://latinum.ai/api/facilitator \
-H "Content-Type: application/json" \
-d '{
"chain": "solana",
"signedTransactionB64": "BASE64_ENCODED_TRANSACTION_HERE",
"expectedRecipient": "YOUR_SOLANA_PUBLIC_KEY",
"expectedAmountLamports": "PRICE_IN_LAMPORTS"
}'
The HTTP 402 Payment Required API response can return:
{
"allowed": false,
"error": "💳 Payment required: 50 Lamports to YOUR_SOLANA_ADDRESS"
}{
"allowed": true,
"txid": "3qU1...abcXYZ"
}AI agents send base64-encoded signed transactions through our agentic commerce protocol along with the expected recipient and amount. Your backend defines the blockchain, recipient wallet address, and price. The facilitator verifies transactions meet these conditions for secure agent payments.
Signed transactions are generated by the Latinum MCP Wallet — enabling true autonomous payments for AI developers.
It initiates a request to a paid API using standard MCP protocols.
The API returns a `402 Payment Required` with payment instructions for the agent.
The agent sends USDC with a signed transaction.
The API verifies and approves the payment, allowing your code to proceed.
Latinum built an open-source Agent Commerce Stack made of two main components:
This is the API developers call to validate transactions and grant access to tools.
This MCP wallet can be installed in popular agents like Cursor, Windsurf, and Claude. It enables agents to pay for services and send or receive money.
In 2024, AI tools enabled agents to search the web, read PDFs, and run code. By early 2025, these tools were standardized under the MCP protocol. Thousands of developers are using them to automate workflows.
MCP tools can read/write emails and trigger workflows from real-time events. Tools like Cursor and Lovable now support integrations with Vercel and Supabase, while aggregators such as Composio and Jentic continue expanding the ecosystem.
However, most SaaS providers still require human signup, subscriptions, and manual API key handling. This is unmanageable when agents interact with 10+ services. Agents must be able to access and pay for services autonomously.
In 2025, we saw tools emerge for flight search, hotel booking, and one-click product purchasing. In 2026, we expect personal agents to manage research subscriptions, calendars, rentals, travel, groceries, and more.
To start integrating payments into your AI tool, you simply need a call to a facilitator API:
❌ If the signed transaction signed_b64_payload is not provided or is invalid, the API returns an HTTP 402 with instructions for the agent to pay using an MCP wallet.
✅ If the request is valid and matches the expected amount and recipient wallet, the payment is verified and the API returns true, allowing your code to proceed.
Agents can pay for requests via an MCP wallet, which also protects funds from prompt injection, phishing, or impersonation. Latinum includes identity verification and a reputation system.
The facilitator can also issue NFT-powered subscriptions, stored directly in the agent's wallet.
Agent Commerce Stack supports both fiat and stablecoins. While humans will keep using cards, agents prefer fast, low-cost, programmable payments — stablecoins are ideal.
Agents transact using stablecoins behind the scenes, while Latinum bridges traditional payments to agent-native rails.
We believe AI agents will fundamentally change society. Below are our hypotheses that guide our vision and product roadmap.
Insights and learnings to implement agentic commerce, HTTP 402 payments, and MCP wallet integration for AI developers building autonomous payment systems.
We're a team with the technical experience to build agentic commerce infrastructure and the go-to-market expertise to help AI developers monetize autonomous agent payments.
Chief Executive Officer
Former European Go To Market lead at Plaid, with experience in monetizing developer solutions and capturing demand in infrastructure markets.
Chief Technology Officer
Former AI Engineer at Amazon. With experience on training LLM for Alexa, a precursor of agentic commerce.
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