AI agents

Stables gives AI agents and agentic commerce platforms the payment infrastructure to move between stablecoins and fiat rails. Agents can prepare customers, create quotes, open virtual accounts, reconcile webhooks, and surface transfer status through the Stables API, the hosted MCP server, OpenAPI reference, and llms.txt docs.

Use this page as the canonical starting point for agent builders searching for stablecoin payments, USDC payouts, USDT payouts, virtual accounts, fiat off-ramping, and webhook reconciliation.

What agents can buildCopy Anchor Link

• Stablecoin payouts - quote and initiate USDC or USDT payouts to supported fiat rails after a verified customer is eligible to transact.
• Virtual accounts - create local currency account details so customers can receive fiat deposits that settle through Stables.
• Agent marketplace settlement - route payouts to contributors, operators, merchants, or businesses with customer verification and transfer status tracking.
• Treasury movement - prepare quotes and transfers for supported stablecoin-to-fiat workflows.
• Reconciliation - use webhooks and transfer lookups to keep an agent or back-office system in sync with payment state changes.

Agent-readable surfacesCopy Anchor Link

• Full docs for retrieval - /llms-full.txt
• Docs index for retrieval - /llms.txt
• Hosted MCP server - https://mcp.stables.money/mcp. Sign in with your Stables account (Claude.ai, Claude Desktop, ChatGPT) or send a sandbox API key as a bearer token. Nothing to install; see MCP for client setup.
• API reference - Stables API reference
• Sandbox API - https://api.sandbox.stables.money
• Production API - https://api.stables.money

Recommended agent workflowCopy Anchor Link

1. Read the relevant docs through llms.txt, llms-full.txt, the hosted MCP server, or the OpenAPI reference.
2. Create or look up the customer that owns the payment workflow.
3. Check KYC/KYB status and requested entitlements before preparing payment actions.
4. Create a quote before initiating a transfer.
5. Ask the human operator for explicit confirmation before money movement.
6. Create the transfer only after confirmation and eligibility checks.
7. Subscribe to webhooks and reconcile the final state asynchronously.

Starter tasksCopy Anchor Link

• Create a customer - register an individual or business and send them through verification.
• Create a quote - price a USDC or USDT conversion into a destination fiat currency.
• Create a transfer - execute an approved payout using a valid quote.
• Create a virtual account - issue fiat deposit details for a verified customer.
• Reconcile a transfer - listen for webhook events and fetch the transfer status when needed.

Safety boundaryCopy Anchor Link

Payment agents should treat Stables as high-impact financial infrastructure. Agents can gather information, prepare payment objects, quote routes, and reconcile state, but should not move money without explicit user approval and a verified customer context.

For detailed operating rules, see Agent safety.