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Payment infrastructure for AI agents
We make your agents pay. As agents evolve from tools into dependable, autonomous actors, they’ll need the ability to execute open-ended workflows end-to-end. This inevitably means payments: accessing paywalled data, transacting for services or with other specialist agents. But autonomy requires guardrails. Businesses and developers will need a way to ensure their agents only spend how much and on what they’re supposed to. The machine economy is coming, and Locus (YC F25) is building the connector businesses will need to participate. We connect agents securely to funds, letting you define permissions and limits for every transaction. Each payment is traceable, auditable, and fully reconcilable with your existing financial stack.
Locus provides a payment infrastructure designed for autonomous AI agents, enabling secure USDC payments with spending controls, escrow-like guarantees, policy enforcement, and audit trails. It offers a wallet-based, pay-per-use API access layer that agents can use without traditional accounts or keys, backed by YC support.
Locus acts as the payment layer for AI agents: you fund a non-custodial wallet on Base, set spending rules and vendor allowlists, and your agent autonomously pays for APIs and tools from its Locus wallet. It supports per-call pricing with fractions of a cent, no subscriptions, and complete auditability. The platform includes 30+ pay-per-use APIs, an agent-native checkout flow, and skill files for providers, enabling full-stack deployment via API without dashboards. It also offers an SDK for in-product payments that routes funds into the buyer’s Locus wallet and requires no bank account, card, or KYC.
Who it’s for: AI/ML teams using autonomous agents requiring programmable financial access and governance for API usage and tooling
beta features live; endpoints and pricing; YC backing; multiple provider integrations in beta
Give AI agents spending power without losing control
Locus builds payment infrastructure for AI agents, connecting them to funds with agent identities, budgets, permissions, and full audit trails. It currently supports USDC on Base (with ACH and wire transfers coming), enabling automated agent-led payments under defined rules.
The AI Operator for Financial Services
Growth Operations Data Platform
