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Let the Agents Pay.

Wallet infrastructure for agents

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nekuda Agent Wallet

Wallet infrastructure that lets agents collect credit cards and pay anywhere with control and trust

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ACP Support

Native support for OpenAI's Agentic Commerce Protocol.

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Agentic Network Tokens

Support Visa and Mastercard agentic payments frameworks.

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No Compliance Burden

No PCI burden for agent developers—never touch sensitive data.

LEARN MORE ABOUT AGENTIC COMMERCE

What is
agentic commerce?
Agentic commerce
stack
Challenges
WORK BY THE NEKUDA TEAM 2026

A (Short) History of Payments

The First Charge Card
Diners Club launched the first charge card, allowing customers to dine without cash and pay later.
The Fresno Drop
Bank of America mass-mailed 60,000 credit cards in Fresno, California, testing the first revolving credit system. This became the foundation of Visa.
American Express Enters the Market
American Express introduced its first charge card.
The Magnetic Card Era Begins
IBM developed and standardized magnetic stripe technology, improving security and enabling faster transactions.
BankAmericard Rebrands as Visa
BankAmericard officially became Visa, marking the start of a more unified global payment network.
EMV Chip Cards Introduced
Europay, Mastercard, and Visa (EMV) introduced chip-based cards, reducing fraud and increasing security with PIN authentication.
Contactless & NFC Payments
The rise of tap-to-pay cards and NFC technology, invented by engineers Franz Amtmann and Philippe Maugars. Enabled faster and more secure transactions, paving the way for Apple Pay, Google Pay, and other digital wallets.
Stripe's API Revolution
Fintechs like Stripe introduced easy-to-use payment APIs, allowing businesses to integrate payments without dealing with banks directly.
The First Browser Agent
WebVoyager enabled AI agents to control browsers, navigate e-commerce sites and complete online purchases using multimodal understanding. A breakthrough in AI-driven payments.
The Agentic Commerce Protocol (ACP)
Co-developed by OpenAI and Stripe, ACP is an open standard that allows AI agents and merchants to transact directly via REST APIs.
CH 2026
Historic image of Diners Club, the first charge card from 1950
Historic image of the Fresno Drop - Bank of America's first credit card from 1958
Historic image of American Express's first charge card from 1958
Historic image of magnetic stripe card technology from the 1970s
Historic image of BankAmericard rebranding to Visa in 1976
Historic image of EMV chip cards introduction in the 1990s
Historic image of contactless payment technology from the 2000s
Historic image of Stripe's API payment revolution from the 2010s
Illustrative visual for ACP: OpenAI x Stripe open protocol for agentic commerce in 2026
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CA/US/TLV/ISR

2026. Let Your Agents Pay

Over 000 agents already using nekuda.ai for seamless transactions

Join agent builders and merchants bringing agentic commerce to life with secure payment rails.

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Nekuda VI

· Launched 2026 ·

We started nekuda out of genuine curiosity about AI's impact on payments. Early on, we experimented with agents for e-commerce, having them buy and select products for us. It quickly became clear how much friction is built into the internet's checkout — a system that assumes a human is always present.

We realized that AI agents will help us pay for things - and eventually even start paying by themselves - with growing autonomy. Over time, we became convinced that agent-driven transactions will be a major force in commerce. Yet current payment rails aren't built for it, which creates inherent friction.

We love writing, so we shared our thoughts on Substack. That's how we met our first customers—and eventually our seed investors: Madrona, Amex, Visa, and some amazing angels.

Our thesis
  • Agent-driven transactions will generate significant commerce volumes across the internet.
  • Current payment rails create friction for agent-driven transactions.

Our mission is to build new rails that support agents paying on behalf of users.

- Team nekuda