Explainer · TIER_B
What is an agent wallet?
A spending envelope a machine can use, with policy, not a seed phrase pasted into a prompt.
zFinia published 7 September 2026
An agent wallet is a credential and policy surface that lets software spend under constraints: asset, network, counterparties, per-payment cap, total cap, kill switch.
Visa Intelligent Commerce wraps this as a tokenized card with user instructions. x402 payers wrap it as a wallet that can sign exact payments. MPP wraps it as credentials that can settle in cards or stablecoins.
If a system requires a human to paste a seed phrase into a chat, it is not a production agent wallet. It is an incident waiting to happen.