Payments MCP connects MCP-compatible agents to Coinbase onramps, wallets, and blockchain rails via prompt, enabling flows without API keys or developer setup. The company says supported environments include systems such as ChatGPT and Claude via MCP tooling.

Coinbase positions the release as a step beyond its Agentkit, noting that Payments MCP works wherever MCP tools are supported and adds sign-in with email and one-time passwords.

The protocol is intended to give agents controlled “financial autonomy,” such as paying for cloud services, retrieving paywalled data, tipping creators, or running basic operations without human intervention. Stablecoins are used to enable transfers.

Coinbase frames the launch as the first instance of an LLM gaining direct access to the crypto economy and to web-native payment standards like x402, which embeds pay-per-use stablecoin payments into HTTP requests via the “402 Payment Required” code.

An MCP functions like an app layer for an AI agent, expanding capabilities such as payments, search, or file storage. By exposing payments as a tool, agents can hold a wallet, access onramps, and transact from the same interface used to plan tasks.

Payments MCP is available for developers to test, with tutorials to follow. Coinbase says additional LLMs and protocols are planned as it builds tools for agentic commerce.

Decentralized finance (DeFi) backers see x402 as a bridge between agents and web APIs; Coinbase calls x402 an open protocol for stablecoin payments over HTTP without subscriptions or manual checkout flows. The company links the standard to pay-per-use access for APIs and content, and services.

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