XDC Network just built a marketplace where AI agents can spend money on their own. The platform, called XDC AI, lets autonomous agents discover, buy, and pay for digital services and APIs using USDC, with built-in guardrails to keep things from going sideways.
The launch happened on July 29 in New York City, featuring a live demo by co-founder Atul Khekade. The audience included banks, tech firms, and venture capitalists.
How XDC AI actually works
XDC AI gives agents smart wallets with compliance features baked in, including spending caps and temporary access keys. The platform uses gasless USDC settlements, meaning agents don’t need to hold native gas tokens to execute transactions.
Underpinning all of this is Coinbase’s x402 open payment standard, which has already processed over 100 million transactions since launching in 2025. The x402 Foundation was established in April 2026 to build regulatory scaffolding around the protocol.
The XDC Network itself runs as an EVM-compatible Layer-1 blockchain with roughly 2,000 transactions per second and 2-second finality.
The Bridge partnership and fiat rails
XDC Network is collaborating with Bridge, a company affiliated with Stripe, to build infrastructure for regulated stablecoin and fiat transactions. The partnership focuses on programmable financial identities and seamless fiat-to-stablecoin conversions.
By the end of the year, XDC AI plans to integrate additional services like research tools and travel booking for autonomous agents. The ElizaOS AI agent framework is also getting an XDC plugin, which would allow developers building on that open-source platform to tap into the XDC AI marketplace directly.
Why agentic commerce matters for investors
Market analysts predict that autonomous AI transactions could facilitate trillions of dollars in activity by 2030.