Posts in Payments.
Four Pillars' 131-page x402 report models annual agent payment volume reaching as high as $1.9T by 2028, with roughly 96% of it landing in purchases an agent makes without a human approving anything. Solana already handles about 70% of x402 protocol volume, so the report's headline scenario is running today on rails that shipped this year, from Pay.sh to Ramp's 70,000 business wallets.
The Solana Foundation shipped payment channels, a primitive that lets an AI agent authorize a spending cap once and settle the real amount in a single onchain transaction. In testing, 100,000 wallets pushed more than 1 million payments per second through a payment channel proxy at an estimated $0.000000000776 per payment, and Alibaba Cloud is live with it at launch.
Rain has launched the Agentic Payments Alliance, a coalition of more than two dozen founding members including Visa, Mastercard, Solana, Circle, and Fiserv, to set shared standards for how AI agents make payments on a user's behalf. The group operates as a collective working group rather than a Rain-owned project, with early work covering agent identity, authorization, fraud detection, and regulatory advocacy ahead of a market McKinsey projects at $3 trillion to $5 trillion by 2030.
MoneyGram Ramps is now live on Solana, giving developers one API for moving USDC in and out of cash across more than 170 countries and territories. Nearly 500,000 MoneyGram retail locations back the network, and Rift is the first Solana wallet to ship the integration.
MoonPay has launched PayBox, a non-custodial payment vault that lets Claude and ChatGPT users trade on Solana and pay merchants through plain conversation. Wallet keys are split across hardware-isolated enclaves using MPC from Sodot, so the agent can propose a transaction but a passkey is still required to sign it.
Ramp has opened Stablecoin Accounts and stablecoin Bill Pay to all 70,000+ of its business customers, with Solana among the seven supported networks. Businesses can hold USDC or USDT, pay vendors from that balance, and settle in seconds rather than the three to five days a SWIFT wire takes.
