How Payments MCP Works
This release coincides with Coinbase’s broader push through the upcoming x402 Foundation, created in partnership with Cloudflare. Together, these initiatives aim to create a future where AI models can transact and participate in commerce on the same rails humans use. The system leverages the Model Context Protocol (MCP), which safely connects AI models to external tools and services. For Payments MCP, that means giving agents direct access to wallets, stablecoins, and the ability to complete transactions—all through natural language commands.
Announcing Payments MCP, the easiest way for AI agents to get onchain via x402. 🚀
It lets LLM models like Claude, Gemini, and ChatGPT gain access to onchain tools like wallets, onramp, and payments with no API key required. 🧵 pic.twitter.com/MSnIaecx0O
— Coinbase Developer Platform🛡️ (@CoinbaseDev) October 22, 2025
Payments MCP is designed to be user-friendly and secure. Agents can create wallets and sign in with just an email, eliminating complex setup. Users can also customize agent behavior through an intuitive interface and set spending limits, as well as manage transactions without touching code. The x402 Bazaar Explorer lets agents discover APIs and services they can pay for, while built-in onramps and guest checkout support fast, frictionless transactions. The system runs locally on desktops, enhancing speed and security.
With Payments MCP, users can:
→ Create and sign in to wallets with just an email
→ Customize and transact through a simple interface
→ Discover APIs and services your agent can use with x402 Bazaar
→ Use built-in onramps and guest checkout
→ Runs locally for speed and…— Coinbase Developer Platform🛡️ (@CoinbaseDev) October 22, 2025
A real-world example of this model is AI paying for cloud compute services or data subscriptions autonomously. Instead of a human manually buying compute hours or accessing paywalled datasets, an agent could handle the transaction in seconds. This approach aligns with a recent Gartner report, which predicts that by 2026, over 30% of IT tasks could be performed autonomously by AI agents. This highlights the growing demand for autonomous digital operations.
More About Coinbase
Coinbase announced a special collaboration with lolEsports to celebrate 15 years of the League of Legends World Championship. Highlighting the dedication of fans who have spent seasons climbing ranks, grinding through matches, and watching legends rise, Coinbase is joining the festivities to honor the iconic esports event.
You’ve spent the season climbing, grinding, and watching legends rise.
So for the @LeagueofLegends World Championship, we’ve teamed up with @lolEsports to celebrate 15 years of Worlds.
Get ready. pic.twitter.com/wuW1JSrFaL
— Coinbase 🛡️ (@coinbase) October 22, 2025
This partnership brings together the worlds of gaming and crypto, offering fans new ways to engage with their favorite players and the global esports community.