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Stablecoins are currently the most suitable tool for micropayments made by AI agents, according to a Coinbase Institute report.
The institute said legacy payment networks such as cards face limits in micropayments because of fixed per-transaction costs and human-centered identity verification systems, while stablecoins can handle cross-border micropayments with low fees and fast settlement. It added that the open payment standard x402 standardizes the process for AI agents to pay per use for content or data.
The report also stressed that policies are needed to allow open standards and a range of payment methods so the AI agent payments market does not become dependent on closed systems run by a small number of companies.