OwlTing Group has introduced OwlPay Agent Wallet, a self-custody digital wallet tailored for AI agents to conduct stablecoin transactions under user authorization.
This wallet enables users to instruct an AI assistant to carry out stablecoin payments or cross-border transfers without manual intervention. Instructions like directing an agent to complete an online purchase or send USDC to a recipient in another country are executed autonomously within the limits of pre-defined user permissions.
Regulatory Framework and Custody Structure
According to the official press release, OwlPay Agent Wallet operates as a self-custody solution. Private keys and credentials are generated and stored locally on the user’s device. It supports multiple blockchain ecosystems, including Ethereum, Stellar, and Solana, aligning with the custody model employed by OwlPay Wallet Pro, the company’s existing consumer-facing digital wallet.
The underlying infrastructure leverages OwlTing’s established regulatory framework, which includes Money Transmitter Licences across 40 US states and a Visa Direct integration enabling eligible US debit cardholders to fund USDC transactions. This compliance foundation is central to the product’s design, ensuring that AI agents operate within regulated boundaries from inception.
Initially, agents can create wallet addresses, send stablecoins, check balances, and review transaction history. Account setup, wallet generation, and identity verification are completed through a unified onboarding process.
Product Roadmap and Ecosystem Positioning
OwlTing plans to enhance the wallet’s functionality in the coming months, subject to regulatory approval and technical readiness. Upcoming features include the ability to purchase and cash out stablecoins via eligible US debit cards, a cross-chain bridge, an address book for named recipients, and expanded blockchain support.
The launch concludes what OwlTing describes as a three-layer infrastructure for agentic commerce. The first layer, OwlPay Stablecoin Checkout, supports x402, an open payment standard originally introduced by Coinbase and now maintained by the Linux Foundation, enabling AI agents to initiate web-native payments. The second layer connects mainstream consumers to stablecoin transactions through Visa Direct. The third layer, now live, provides AI agents with a dedicated, self-custody wallet operating under user authorization.
According to research by McKinsey & Company cited by the company, agentic commerce could represent between USD 3 trillion and USD 5 trillion in global consumer commerce by 2030. Traditional payment infrastructure was not designed with autonomous software agents in mind, a gap OwlTing aims to fill through its regulated, wallet-based approach. By routing transactions through the same compliance and settlement infrastructure serving its existing enterprise and consumer customers, the company intends to serve as a payment infrastructure for AI-driven commerce.
