AgentWallet — Payment risk layer for personal AI agents

Runs pre-payment and post-payment checks before your AI agent pays an x402 endpoint

Problem

Personal AI agents increasingly auto-pay APIs and x402 endpoints, but users lack a risk layer: they don't know if each payment is justified, whether a malicious endpoint is draining them, or if the service actually delivered. Existing payment policy tools target enterprises and are too heavy for personal agents.

Solution

A UI plus API: before an agent pays, a pre-check enforces user policies (per-transaction cap, daily total, allowlisted endpoints, risk score); after payment a post-check verifies delivery and triggers refunds or alerts. A dashboard shows every agent payment and endpoint reputation.

Users

Developers running personal AI agents, heavy LLM tool users, early adopters of x402 and paid APIs

MVP

A policy configuration UI (per-tx/daily limits, allow/block lists); an API agents call for pre-payment checks; post-payment result verification and alerts; a simple crowdsourced endpoint reputation list

Revenue

Monthly personal subscription; usage-based pricing for high-volume agent calls; endpoint reputation data as a premium add-on

Why now

x402 and agent auto-payments are exploding while personal-side risk control is nearly empty; giants focus on enterprise compliance, leaving a niche for an indie developer with a lightweight policy engine