Budgeting platform Orla has introduced a new feature allowing AI agents to spend from dedicated stablecoin wallets, where the deposit represents the maximum possible loss. The update also enables Orla invoices to accept payments from other users' agents via the x402 payment-required standard.

SINGAPORE, August 10, 2026 — Orla (orla.finance), a budgeting application designed for funds held across banks, exchanges, and cryptocurrency wallets, has announced the launch of agent payments. An AI agent connected to Orla can now maintain its own stablecoin wallet and pay for services within spending limits established by its owner. In the reverse direction, any Orla invoice or pay link denominated in USDC can accept payments from another person's agent through x402, the web's payment-required standard, which uses HTTP status code 402 to signal that a resource requires payment before access is granted.

The launch arrives as major payment and crypto infrastructure providers — including Coinbase, Stripe, and Visa — race to equip autonomous AI agents with transactional capabilities, a segment increasingly seen as a precondition for agents to independently book services, purchase data, or settle micro-transactions without human intervention at each step.

The agent wallet is designed around what Orla identifies as the first question owners ask: what is the maximum this could cost? Each agent receives its own address on Base, Ethereum, and Tron. Base is a Layer-2 scaling network built on Ethereum developed by Coinbase. Owners fund these wallets with USDC or USDT on Base and Ethereum, or USDT on Tron — the two largest stablecoins by market capitalization. The deposit constitutes the agent's full budget. Because nothing backs the balance beyond the deposit itself, no software bug, prompt injection, or operational error can result in spending beyond the funded amount. Outbound transfers are restricted to addresses the owner's space already trusts, subject to a daily cap.

Payments that fall outside these predefined limits are not automatically rejected. Instead, they convert into approval requests. The owner reviews the recipient and amount, then either signs or rejects the transaction. Once signed, the payment is dispatched from the same wallet balance. The system sends the owner a notification for every payment the agent executes autonomously. Orla's reporting interface displays agent spending in two separate columns that are intentionally never combined: transactions the machine decided on independently, and transactions a person manually signed — a separation designed to support auditability as agents take on larger financial roles.

The same release transforms Orla documents into payment endpoints accessible to machines. An invoice or pay link priced in USDC on Base or Ethereum serves a human visitor with a payment page and a machine with a price quote at the same URL. The paying agent receives a receipt in under one second, and the document is marked as paid once the transfer is confirmed on-chain. The payee receives the full amount stated on the document; network gas fees are covered by Orla. Accepting machine payments requires no additional configuration for sellers — the capability is included in Orla's paid plans and applies to any document already priced in USDC.

"Before you let software spend money, you should be able to say what the worst case costs," said Anton Butser, founder of Orla. "With an agent wallet, that number is the deposit. Not a policy or a promise. A balance. And every payment the agent makes lands in the owner's books, marked as the machine's decision, permanently separate from anything a person signed."

Agents connect to Orla either through an API key or as an MCP connector in clients such as Claude and ChatGPT. MCP (Model Context Protocol) is an open standard that allows AI assistants to interact with external tools and services. Every newly created agent begins in observation mode, in which all proposed actions await human acceptance before execution.

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About Orla: Orla is a budgeting application for individuals whose assets span banks, exchanges, and cryptocurrency wallets simultaneously. The platform provides a unified balance view, category-based budgets, invoicing and pay links, and a year-end capital gains report generated from a single ledger. All connections are read-only, and users' private wallet keys never leave the browser. Orla is a product of Digital Flow PTE. LTD., based in Singapore, and is available in English, Spanish, Portuguese, and Russian at orla.finance.

Media contact: support@orla.finance