Headline: Coinbase Empowers AI Agents with Access to Crypto Payments and Wallets Translation: Coinbase Empowers AI Agents with Access to Crypto Payments and Wallets

The largest cryptocurrency exchange in the United States, Coinbase, has officially introduced its Payments MCP system, which enables language models such as Claude from Anthropic and Gemini from Google to access cryptocurrency wallets, fiat gateways, and make payments.

This solution has been developed by the Coinbase Developer Platform team. The service provides AI agents with «the same on-chain financial tools that are available to humans—ranging from wallets and fiat gateways to payments in stablecoins.»

«We firmly believe that every agent deserves to have their own wallet,» the announcement states.

Dan Kim, vice president of business development at Coinbase, and Eric Reppel, head of engineering at the Coinbase Developer Platform, noted that cryptocurrency networks and stablecoins offer an ideal infrastructure for «agent-based commerce.»

«They operate at the speed of code, seamlessly integrate with APIs, and allow autonomous agents to function without human friction,» the developers wrote.

Payments MCP can be run locally on a computer, accessed with minimal user involvement, and customized for specific tasks of the agent.

Additional features include:

The functionality of Payments MCP has been tested on Claude Desktop, Claude Code, Codex, Gemini, and Cherry Studio, with support for other models planned for the future.

According to McKinsey, banks risk losing up to $170 billion in profits if they do not adapt their business models to the new trend of customers using artificial intelligence to manage their personal finances. This was reported by Bloomberg.

The report highlights that AI bots will lead individuals to keep less money in low-yield accounts.

«Imagine having an agent that says, ‘Hey, you could save $2,000 a year just by transferring your funds to another account.’ This reduces a significant amount of the inertia present in the current system,» explained Pradip Patiatth, a senior partner at McKinsey.

Experts indicate that consumers currently hold $23 trillion of the $70 trillion in accounts with nearly zero interest rates, while the remaining funds yield minimal returns.

As a reminder, in May, Coinbase unveiled a payment tool called x402 designed for online transactions. This tool facilitates the transfer of stablecoins through standard internet protocols and enables AI agents to conduct autonomous transactions.