x402 lets AI agents pay per request, but idle balances still lack treasury policy controls

The article argues that AI agents spending via x402 need enterprise treasury management, since pre-funded wallets become working capital at scale. x402 processed over 75 million transactions in a recent 30-day period. The author notes payment stablecoins typically earn holders nothing, citing the GENIUS Act's ban on issuers paying yield. Yield.xyz's AgentKit, launched with x402 support in July 2026, lets agents access 3,300+ yield opportunities across 80+ networks, while wallets like Privy retain signing and policy control. McKinsey estimates agents could mediate $3–5 trillion in commerce by 2030.

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• x402
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