AgentaOS is a stablecoin account that settles to your bank. Unlock a real EU IBAN via Monerium, accept stablecoins (USDC, EURC, EURe, USDT, DAI, ETH) from anywhere, cash out to your bank in EUR via SEPA. Self-custodial, biometric-controlled. Built for businesses invoicing clients, freelancers getting paid abroad, cross-border remittance, and developers building agent-paid APIs via x402. 160+ countries.

Merchants Stripe refuses (Western Balkans, Georgia, Armenia, Moldova, 160+ countries). Freelancers invoicing international clients without a registered company. Cross-border diaspora workers sending money home. Crypto-native sellers who need proper invoicing. Developers accepting AI agent payments via x402.

How do my clients pay?

Three ways. Customers with cards pay through a standard checkout. Crypto-native customers pay with stablecoins from their wallet. AI agents pay via API. All three settle instantly. You withdraw EUR to your bank via virtual bank account.

Your funds are backed 1:1 by EUR and USD in regulated reserves. Self-custodial. You hold your own keys. The key security model is peer-reviewed. No single party ever holds your full private key.

What countries are supported?

160+ countries can open an account and get a virtual bank account. 36+ countries for EUR bank transfers. Accept stablecoin payments from customers worldwide. AI agents pay via API from anywhere.

How do AI agents work with AgentaOS?

Two ways. AI agents can pay you by completing checkouts and paying invoices via API. And you can hire AI agents by creating sub-accounts with spending limits and guardrails to handle payments and operations on your behalf.

EU-regulated banking · You own your funds

Get paid in stablecoins. Withdraw to your bank.

Up to 5x cheaper than card processors. Real EU IBAN. 160+ countries.

Open account → Talk to the founder

Use cases

Get paid online. Bill clients. Hold both currencies.

on stablecoin payments · zero chargebacks

Sell online, anywhere.

One checkout link. Customers pay how they want. Settles to your wallet, not a custodian. 160+ countries supported.

24h

first invoice paid (avg)

Invoice in EUR + USD.

Send the invoice. Client pays via bank, card, or stablecoin. EUR lands in your real EU IBAN. No SWIFT, no wire fees.

FX markup · SEPA Instant

Hold USD and EUR.

Multi-currency wallet with real EU IBAN. Cash out via SEPA Instant in under 60 seconds. 0.5% payout fee, free deposits.

How it works

Create. Accept. Withdraw in 30 seconds.

30s to open in your name

Create your account

Self-custodial passkey wallet. You own the keys. Nobody can freeze it.

3 payment methods, one checkout

Accept payments

Stablecoins, cards, SEPA. Plus AI agents and automations via x402 + MPP. Same checkout.

30s to your bank account

Withdraw to bank

SEPA Instant. EUR lands in your bank. Free.

Our pricing

Pick how to get paid.

Onboarding in 2 weeks

Card payments

4.5%

on card payment processed

Visa, Mastercard, Apple Pay, Google Pay. Funds settle as stablecoins to your wallet.

Recommended Onboard now · self-serve

Stablecoin payments

0%1.0%

Launch discount
stablecoin received

Inbound: Customer pays any stablecoin or ETH on Base. Funds settle to your USD or EUR balance. Gasless for the buyer. Free until June 30, 2026; then 1.0%.

Agent-payable: Same checkout is x402-native. AI agents can pay it autonomously, no rework.

Onboarding in 2 weeks

Bank transfers

0%0.5%

Launch discount
EUR off-ramp

How it works: Get a real EU IBAN (vIBAN) in your company name. Included, no annual fee. Buyers pay your invoices via SEPA bank transfer (free, no card fees). EUR off-ramp is free until June 30, 2026; then 0.5% on every conversion to fiat via SEPA Instant. KYC + KYB required.

Accept your first payment →

Volume pricing or white-glove onboarding? Talk to the founder →

Plus everything else, included.

Stablecoin account (you own it)Biometric-secured. We never hold your funds. Nothing to freeze.

0.5% AUM custody feeIncluded

Real EU IBAN (vIBAN in your name)Banking rail via Monerium. Receive EUR via SEPA from any European bank.

€49/year at PaysoloIncluded

Creating products (catalog, SKUs, pricing)Build product catalogs with VAT-inclusive invoicing on every sale.

Custom build elsewhereIncluded

Auto invoicing & VAT on product salesCustomer fields, due dates, paid status from on-chain settlement.

0.4% per transactionIncluded

Sell to humans + AI buyersOne checkout serves both. AI agents pay via x402 + MPP. Zero rewrite when AI commerce ramps.

1% custodial feeIncluded

EUR SEPA in (deposits)Buyers pay your virtual EU IBAN via SEPA. KYC + KYB required.

€3 at PaysoloFree · SEPA Instant

Crypto payouts (on-chain)Withdraw to your own wallet on Base. You own the keys.

$5 to $30 per transfer · 3 to 5 daysFree · seconds on-chain

SupportDirect line to the team via shared channel

Same-day

No setup. No monthly. No minimum. Pay only when you get paid.

Live merchants

3 case studies. 3 continents. One platform.

Compliance SaaS. AI courses. Freelancers invoicing US clients.

“We run a cross-border eCommerce compliance platform. Our merchant customers pay for the platform directly in WETH or USDC at checkout, and we receive EURC settled to our wallet on Base. EUR off-ramp via SEPA is built in. Live since March.”

B2B SaaS founder EU · Cross-border eCommerce compliance

“We sell AI courses to non-profits across Africa. No card processor would touch it. With AgentaOS our buyers pay in USDT on Base, we receive funds to the wallet, and the virtual IBAN settles EUR to our Macedonian bank via SEPA.”

Education platform Skopje · AI courses for African NGOs

“I invoice US clients for design work. They pay in USDT on Base instead of fighting wire fees. AgentaOS converts to EUR, lands it in my account via SEPA. 1% all-in, no SWIFT.”

Freelance designer Invoicing US clients

Banking via Monerium (licensed EU EMI) · Stablecoins by Circle (MiCA-regulated) · Settlement on Base

Accept your first payment →

Frequently asked questions.

I don’t know crypto. Can I still use this?

Yes. You create a checkout link, customers pay, you withdraw EUR. Stablecoins happen behind the scenes. Your accountant sees EUR.

How do I get cash to my bank account?

Withdraw EUR via SEPA Instant. Under a minute. 0.5% payout fee. KYC + KYB onboarding takes 2 weeks. SEPA works across 36+ countries.

What if AgentaOS goes down or freezes my funds?

Your funds are yours. We never hold your keys. If AgentaOS disappears tomorrow, your wallet still works.

I’m in a country Stripe refuses. Will this work?

Yes. Stripe serves 46 countries. We support 160+. Balkans, Africa, Latin America, Middle East. If you can sell online, you can use AgentaOS.

How fast does money actually reach my bank?

Stablecoins settle in seconds. SEPA Instant to your bank: under a minute. 0.5% payout fee.

How much will each payment actually cost me?

Charged on receipt, depends on payment method: 1.0% on stablecoins (auto-conversion to USD or EUR included). 4.5% on card payments. 0% on SEPA inbound (deposits to your IBAN), 0.5% on SEPA payouts to your bank. KYC + KYB needed for SEPA. No setup fee, no monthly minimum.

What payment methods can my customers actually use?

Three rails: stablecoin, card, SEPA. Stablecoins: USDC, USDT, DAI, EURC, EURe. SEPA: 36+ countries pay your EU IBAN directly. Cards: Visa, Mastercard, Apple Pay, Google Pay.

Can I also receive payments in USD?

Yes. EUR and USD in the same wallet. EUR settles to your EU IBAN via SEPA. USD settles in stablecoins (USDC, USDT, DAI).

Your checkout is already ready for AI agents. See how it works →

Open your account in 30 seconds.

No setup. No monthly. No minimum. Pay only when you get paid.

Accept your first payment → Talk to founder

Or have your AI set it up

$ npx agentaos init read more →

Works with Claude Code, Cursor, and any MCP-compatible AI assistant.