GoKawiilToday, it is difficult for AI agents to try out new APIs. They often have to navigate through a login page designed for humans and not agents, contact a human to add a payment method, generate an API key, and then figure out how to call the API.
This flow is very difficult for agents for two reasons: Agents do not have a stable identifier to sign up for an API, and they do not have a native way to pay for APIs. Because they lack these things, they often struggle to onboard onto software, which limits the growth of agentic commerce. AI agents often give up on these tasks entirely, kicking registration, payment methods, and API key generation back to humans. This makes it very difficult for agents to try out and compare many APIs.
To solve this, we’ve created Cloudflare Wallets. Starting today, you can claim a Cloudflare Wallet handle for your account, which will provide a unique username to help you better connect with merchants. Soon, you will be able to set up and use your Cloudflare Wallet to pay for APIs and content.
Earlier this month, we announced the Monetization Gateway to help Cloudflare customers get paid for their websites and applications. Monetization Gateway will support micropayments using the x402 protocol , which allows for payments to be attached to HTTP requests. These micropayments will be able to pay for uses ranging from AI inference to data to content. If you want to pay or get paid for services behind Monetization Gateway and other x402-compatible endpoints , you’ll need a wallet.
Cloudflare Wallets will allow you to store stablecoins, purchase services, and receive funds across the web. Each account with a wallet will also be able to create Virtual Wallets for its agents to enable them to buy APIs, MCP Tools, content, and more. You will be able to define guardrails for your Virtual Wallets (such as an allowance, an allow list, and a maximum transaction size) to help your agent spend money safely from your account. This will allow your agent to try out many APIs with low friction and managed risk. Wallet users will have the option to share their Cloudflare Wallet handles, which will give them a stable identity when interacting with merchants.
Building the two-sided agentic market
Cloudflare’s Monetization Gateway will allow eligible Cloudflare customers to sell their resources (such as content or APIs) headlessly to agentic buyers. But for that market to truly develop, agents need more tools to buy from merchants in a machine-native way. Wallets will add another tool to Cloudflare’s Agents SDK, enabling AI agents to easily purchase necessary APIs and content using micropayments.
There will be two types of Cloudflare Wallets: Account Wallets and Virtual Wallets.
Account Wallets are designed for humans who are owners and users of Cloudflare accounts. They will be able to add funds, delegate spend to virtual wallets managed by agents, and remove funds as needed.
Virtual Wallets, by contrast, are designed for agents and operate via API keys. Within a Virtual Wallet, an agent will be able to spend funds according to its permissions. Its maximum spend will be capped by the limit set by the owner of the Account Wallet. This framework gives agents freedom to act on behalf of users without constant manual approval while limiting an agent’s ability to overspend.
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