Exodus launches XO Cash on Solana for AI Visa payments

Exodus launched XO Cash on Solana on Friday, introducing a stablecoin and software development kit designed to let AI agents make Visa payments and access paid services without directly controlling private keys.

The toolkit was developed with MoonPay and includes agent-linked wallets, virtual debit cards routed to Visa payment rails, and integration with Exodus Pay. Exodus users can fund agent wallets from their Exodus Pay balances while maintaining custody of their private keys. Stablecoin support and developer documentation were posted at XOCash.com on Thursday.

Developers can create individual wallets for AI agents and set transaction controls such as per-agent spending limits, daily caps and merchant-level restrictions. Virtual debit cards issued through the SDK let agents interact with traditional merchant systems while settlement occurs onchain using stablecoins like USD Coin and Tether.

Exodus described XO Cash transactions as fee-free and optimized for high-frequency automated payments. At merchant checkout, payments are routed through infrastructure provided by Monavate and MoonPay and converted into stablecoins for onchain settlement.

The SDK is built to let agents initiate payments without exposing private keys or API keys. Users keep custody of their keys and grant agent wallets and payment permissions through the toolkit, according to the company.

Companies across crypto and payments have introduced similar rails for autonomous agents. In March, a bank rolled out an “agentic banking” service to provide AI agents with traditional and crypto payment access under preset controls. Visa released a command-line tool to enable same-day payments by agents without revealing API credentials. A payments protocol backed by Stripe focused on automated onchain transactions, and Amazon Web Services integrated a payments protocol to allow agents to settle USDC payments on Base and Solana.

Industry shifts toward automated, AI-driven operations have coincided with workforce changes at several firms. One major exchange announced a reduction of about 14% of its workforce while another payments company reported cuts of roughly 40% as they reorganize and increase the use of AI tools.

Exodus positioned XO Cash as a developer-focused toolkit for enabling automated purchases, access to paid APIs and subscriptions while enforcing user-set custody and spending limits. Technical documentation and the XOCash stablecoin token are available at XOCash.com.