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Competitive landscape (Sep 2026)

A. Real financial instruments for agents (cards, bank accounts, IBAN/ACH)

Name URL Real cards? Real bank / IBAN-ACH? Crypto? Retail? Difference vs us
Natural natural.com via partners FDIC fiat wallets, US ACH only No No, B2B/dev, $30M A Closest on substance. Custodial, US-only, no IBAN/SEPA, no user-owned keys
Catena Labs catena.com not primary custodial deposits, seeking NY trust charter Yes, stablecoin-first No, B2B private access Business agents; custodial
Mercury mercury.com Yes, "agent cards" US business checking, ACH/wire No No, B2B startups Only mainstream player shipping named agent cards, but businesses only, US only
Payman paymanai.com executes on your rails routes over your existing accounts No No, B2B SDK/MCP Issues nothing of its own
Ramp / Brex ramp.com corp cards + Policy Agent corporate accounts No No Spend management on company cards
Signets signets.ai delegated virtual cards delegated US bank accounts No No, B2B2C Custodial, delegated to users' agents
Lithic lithic.com agentic virtual cards No No dev infra Embed-only
Marqeta marqeta.com MCP card issuance No No dev infra You build on top
Stripe Issuing stripe.com "Issuing for agents" No No dev infra Needs Stripe business account
Highnote highnote.com virtual + physical US financial accounts No dev infra B2B embed
Extend paywithextend.com virtual credit cards + AI toolkit No No dev infra Anchored to corporate card
Slash slash.com Visa business charge cards via MCP business deposits No B2B Not retail
Column / Increase / Unit / Synctera — Yes (API) Yes (chartered / partner banks) No dev infra Raw BaaS, someone must build the product
Nekuda nekuda.ai injects your saved cards No No B2B dev Payment proxy / WebMCP, issues nothing

B. Crypto / protocol / agent-wallet players

Name URL What Custody Retail? Difference vs us
PayBox (MoonPay) paybox.sh wallet + cards + credential vault, pay via Claude/ChatGPT Non-custodial Yes Closest retail analog. No IBAN, no bank account
Agentcard agentcard.sh card vault + prepaid Visa issuance widget for apps (YC) Custodial B2B2C Cards only, no bank, no crypto
AgentWallet agentwallet.ai wallet + virtual card + MCP/AP2/x402/ACP, WhatsApp Custodial Dev-first Dev/protocol-heavy, no IBAN
Skyfire skyfire.xyz agent identity + USDC credentials Custodial Dev No cards/bank
Coinbase x402 / AgentKit / Bazaar cdp.coinbase.com protocol + SDK + marketplace Custodial MPC Dev USDC only
Circle for Agents circle.com agent accounts, USDC Custodial Dev USDC only
Privy privy.io embedded agentic wallets w/ policies Non-custodial Dev Crypto only
Crossmint crossmint.com agent wallets, virtual cards, payouts Custodial Dev B2B
Nevermined nevermined.io delegated spend, metering, x402/MCP/A2A Custodial Dev Merchant monetization
PayAI payai.network x402 facilitator + policy (Solana) Non-custodial Dev Narrow
BotWallet botwallet.co open-source agent wallet MCP, virtual cards Non-custodial Dev+user Crypto only
MoltPe moltpe.com USDC wallet + x402 + MPP + MCP Non-custodial Dev USDC only
Fewsats / Lightning Labs L402 fewsats.com Lightning pay-per-call mixed Dev Bitcoin only
Stripe ACP / PayPal Agent Toolkit / Adyen Agentic — merchant-side agentic checkout Custodial Merchant Acceptance, not a consumer wallet
Visa Intelligent Commerce / Mastercard Agent Pay — network tokenization for agent buys Custodial Enterprise Infra sliver
Cloudflare x402 / Google AP2 — protocol/edge n/a Dev Standards only

Our wedge

  1. Nobody offers real Visa card + real IBAN/ACH/SEPA account + non-custodial keys + retail onboarding in one place. Every rival is either custodial B2B infra (Natural, Mercury, Lithic, Marqeta, Unit) or crypto/x402 rails (Coinbase, Circle, MoltPe, BotWallet).
  2. Retail without an app: agent on demand in WhatsApp/Telegram/Signal. Only PayBox and AgentWallet are near this; neither has a bank account.
  3. Cross-border corridors on real rails (EUR/USD + stablecoins, seconds): US-only ACH players can't follow.
  4. Power-user door: one MCP prompt gives Hermes/OpenClaw/Claude the same card, account and wallet. Same product, two audiences.
  5. User holds keys, still gets fiat banking: the combination competitors treat as mutually exclusive.

Sources: vendor sites/snippets Sep 2026; Catena domain and some retail claims rest on marketing copy, verify before quoting publicly.