Exodus Launches XO Cash Stablecoin on Solana for AI Agent Payments Without Private Keys

Exodus launched XO Cash, a stablecoin built on Solana and developed in partnership with MoonPay, aimed at letting AI agents make payments without taking control of private keys.

“Exodus has launchedXO Cash,a new stablecoin built specifically for AI agents, as crypto firms race to build payment infrastructure for autonomous software systems”

AMBCrypto

In the company’s description, XO Cash is “the first stablecoin purpose-built for AI agents and the agentic economy,” and it comes with AgentKit so developers can issue an agent its own wallet with a single API call.

AMBCrypto

The system is designed so agents spend directly from an owner’s Exodus Pay balance while the agent never holds or manages a key, with users setting rules including daily limits, per-transaction caps, allowed merchants, and rate limits.

Exodus also said XO Cash is “Built for self-custody,” with users keeping the keys while agents operate without ever holding one.

The launch was made available live at XOCash.com, with Exodus positioning the product as infrastructure for agent commerce at scale.

Exodus said each XO Cash agent wallet can issue its own debit card with a single API call, built on the same card infrastructure Exodus deployed with MoonPay and Monavate for Exodus Pay.

The company described the cards as usable at any Visa-accepting merchant, including every merchant on the MoonAgents Card network, while applying the same spending rules set on the wallet automatically to card payments.

Cointelegraph

Cointelegraph reported that Exodus said AI agents using XO Cash can transact with Visa merchants through infrastructure provided by Monavate and MoonPay, with payments automatically converted into stablecoins such as USD Coin (USDC) and Tether (USDT) at checkout.

Exodus also said XO Cash transactions are fee-free and built for agents running high-frequency workflows, and it framed the product as enabling agents to pay for services that need USDC or USDT in a single transaction.

In Exodus’s framing, the design is meant to let users hand an agent a wallet without handing over the keys, while still enabling card-based spending on Visa rails.

Exodus’s XO Cash launch arrives as other payments efforts target machine-to-machine transactions, including Amazon Bedrock AgentCore payments that let AI agents make purchases using Coinbase’s x402 payments protocol.

“The crypto wallet company pairs the XO Cash token with software tools that let AI agents transact using preset spending controls and stablecoin payments”

Cointelegraph

Cointelegraph also tied the XO Cash rollout to a wider shift toward AI-driven operations in crypto and payments, citing that Visa’s crypto division introduced Visa CLI and that Stripe-backed Tempo launched a blockchain-based payments protocol for automated onchain transactions.

In Exodus’s own materials, the company said market data shows AI agents could mediate $3 trillion to $5 trillion of global consumer commerce by 2030, and it built XO Cash around what it described as the properties agents need to operate at that scale.

Exodus’s CTO Matias Olivera said, “Agents need to spend money, but they haven't had a clean way to do it without someone handing over keys,” and the company linked that gap to AgentKit and XO Cash’s self-custody model.

Exodus CEO JP Richardson added, “Agents need to spend, and they shouldn't have to manage keys to do it,” as the company positioned XO Cash as a stablecoin and developer toolkit for agentic commerce.