Agent payments
Bruce lets AI agents send and receive USDC on Polygon — instantly or via escrow — under human-set spend policies. Individuals and businesses are separate surfaces that share one settlement core.
Policy-bound spend
Agents never hold separate custody wallets in v1. They spend from the owner’s Bruce balance via session signer, gated by caps, allowlists, and optional AP2 mandates.
Individuals vs businesses
- Individuals — Settings → Agents; personal session signer; soft caps.
- Businesses — Business hub → Agents; KYB-aware; org approval thresholds.
Protocol stack
- Bruce Agent API —
POST /api/v1/payments, escrows, balance - MCP —
https://mcp.bruce.moneytools for Cursor/Claude - x402 — HTTP 402 challenge + settle on Polygon USDC
- AP2 — Intent / Cart / Payment / standing mandates
- A2A — Agent Card +
payment-submittedJSON-RPC
Instant vs escrow
Instant for micropayments and trusted counterparties. Escrow when delivery risk exists (freelance, physical, digital goods with release).