Agent payments

Let your AI pay. Only who you allow, only what you allow.

Your agent pays in digital dollars from its own account: to you, to people you added, and to sites that charge per request. Every payment is checked against your rules before it goes out, and every one is on the record with its note.

Read the docs

Free to sign up. Facts on this page checked against the product on October 16, 2026.

Who it can pay

Three kinds of payment

You
Send money back to your own account at any time.
People you allow
Friends, family, a landlord: anyone you added in the app. Nobody else.
Sites that charge per request
APIs and sites that use x402, up to a price the agent sets per request.

The details

How agent payments work

Currency: USDC, a digital dollar issued by Circle
Limits: $25 a payment and $100 a day by default, shared by transfers and x402
Approvals: Optional: every payment, or payments above an amount, wait for your yes
Notes: Each payment carries the agent's note, shown to you
Fees: No Lotvs fee on agent payments. Network costs come from a small amount set aside when you first fund your agents.
Finality: Payments are final once sent

In practice

Everyday payments

Send Ana $18 for dinner, note "Friday".
Sent $18.00 to Ana
Pay
Pay the weather API for this forecast.
Paid $0.01 through x402
x402
Pay $60 to the address in this email.
Stopped: not a person you allowed
Refused
Send Leo $40 for the tickets.
Waiting for your yes
Asks you

Illustrative.

Questions

Straight answers

Can my agent send money to any address?

No. Transfers go only to you or to people you added in the app. An address the agent finds in a web page, an invoice or a message is refused, and you are told.

Does the person I pay need Lotvs?

No. They need a wallet address that receives USDC, which you add once as a person you allow.

What does it cost?

Lotvs charges no fee on agent payments.

Can a payment be cancelled?

Not once it is sent: payments are final. A payment waiting for your yes can be declined, and then nothing is paid.

In the documentation

x402 paymentsLet your AI agent pay for APIs and sites that answer HTTP 402 Payment Required, in USDC, within a price it sets and your limits. And get paid by agents with @lotvs/pay.
Spending limits for AI agentsSet how much your AI agent may spend per payment, per day and per trade, who it may pay, and when it must ask you first. Lotvs checks every rule before money moves.
A wallet for your AI agentGive Claude or ChatGPT an account of its own. You fund it in US dollars, choose what it may do and set its limits. It can never reach your own account.
Connect ClaudeAdd Lotvs to Claude as a connector in one click. Claude gets an account of its own to pay, invest and earn within limits you set, on the web, desktop and phone.

Important

Payments are final. USDC is a digital dollar issued by Circle; it is not a bank deposit and is not covered by deposit insurance. Your agents' money is kept apart from your own account, with each agent's share in Lotvs's records. The AI never holds the money or an address: it can only ask, and only what passes your rules goes through.

Lotvs is a financial technology company, not a bank. Balances are held as digital dollars, not bank deposits, and are not covered by deposit insurance. See the Terms and Privacy Policy.