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Report Says Stablecoins Handle Most AI Agent Payments

A Keyrock report states AI agents completed $73 million in blockchain transactions over the past year. Traditional card networks face challenges processing payments below 30 cents, while stablecoin settlement costs fractions of a cent.

CoinDesk
1 source·May 24, 1:00 PM(5 days ago)·1m read
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Report Says Stablecoins Handle Most AI Agent PaymentsCoinDesk
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A report from Keyrock states that stablecoins on blockchain networks handled more than $73 million across 176 million transactions by AI agents between May 2025 and April 2026. The volumes remain small compared with traditional payment systems. 5 trillion annually.

Coinbase, Stripe, Google and Visa have introduced separate systems for machine-to-machine payments. Coinbase released the x402 protocol for direct USDC payments. Stripe launched the Machine Payments Protocol on its Tempo blockchain. Google introduced the AP2 system for delegated spending authorization. Visa extended its network with tokenized credentials for AI-driven commerce.

Seventy-six percent of the recorded agent transactions fell below the 30-cent fixed fee typical of card networks, with most payments between one and 10 cents. Settlement on blockchains such as Base and Tempo costs fractions of a cent. 6 percent, settle in USDC, the stablecoin issued by Circle.

GENIUS Act and the EU AI Act—are scheduled to take effect around mid-2026. None of the measures currently address liability or identity questions for autonomous machine transactions.

Key Facts

$73 million
total value settled by AI agents on blockchain in one year
176 million
blockchain transactions attributed to AI agents
98.6 percent
of machine payments settled in USDC
76 percent
of agent transactions below 30-cent card fee threshold

Story Timeline

2 events
  1. May 2025 – April 2026

    AI agents settled $73 million across 176 million blockchain transactions.

    1 sourceCoinDesk
  2. May 24, 2026

    Keyrock released report on AI agent payment infrastructure.

    1 sourceCoinDesk

Potential Impact

  1. 01

    Circle faces increased operational concentration as USDC handles nearly all agent payments.

  2. 02

    Card networks may see reduced volume in micropayment segments if blockchain settlement expands.

Transparency Panel

Sources cross-referenced1
Confidence score75%
Synthesized bySubstrate AI
Word count177 words
PublishedMay 24, 2026, 1:00 PM
Bias signals removed1 across 1 outlet
Signal Breakdown
Speculative 1

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