May 17, 2026
We're partnering with 2-3 agent builders companies to bring real payment and working capital rails to autonomous software.
Autonomous agents are about to become the largest new buyer cohort the internet has seen. Within a few years, agents will spend more on APIs, compute, and third-party services than most mid-market companies do today.
The payment infrastructure underneath them is ready.
The problem
Every dollar an agent spends right now is prefunded. There is no underwriting model for an autonomous agent. No credit bureau scores a LangChain workflow. No merchant can assess the default risk of an agent calling its API at 3 a.m. So operators do the only thing they can: they wire cash to every vendor in advance and let it sit there.
For a serious agent operator, this kills 60-70% of working capital. It's a tax on building.
The other half of the problem is at the transaction layer. Card networks have an effective floor of roughly 30 cents — below that, interchange and processing eat the payment. Agents transact in fractions of a cent constantly. Cards simply do not work for this.
What Floe does
Floe is live today. Two products, one stack:
1. Payments abstraction layer. A developer connects a card. In return, they get x402 stablecoin rails with programmable spend controls — per-agent limits, per-merchant rules, time windows, hard caps, kill switches. The developer's experience is a clean API. They never interact with crypto, never manage a wallet, never explain anything to their finance team.
2. Working capital lines. Underwritten by a reputation graph we build on every transaction every agent and wallet on Floe makes. Behavioral underwriting for software, not credit scores for humans. Good agents earn credit. Bad ones don't. This is the primitive that lets the prefunding model die.
The Early Access Program
We're opening a small Early Access Program for agent builder platforms.
We're taking 2-3 partners. The shape can flex: a joint proof-of-concept, a native integration into your platform, or offering Floe to your developer community as the recommended payments layer for agents they ship.
What you get:
Direct engineering partnership with the Floe team
Co-designed integration tailored to your developer surface
Preferred economics for the partnership window
Joint go-to-market and co-marketing
First access to new primitives, including the credit underwriting graph
What we're looking for: platforms whose developers are actively building agents that need to transact, and a leadership team that sees payments as core infrastructure rather than a feature to bolt on later.
If that's you, apply below. We'll close applications once we've selected our cohort.