XDC Says AI Agents Could Upend Invoices and Card Payments

An estimated $390 billion in stablecoin payments took place in 2025, according to McKinsey and Artemis. But inside this market, AI agents are creating an interesting kind of payment activity.

Research shows that agents completed more than 176 million on-chain transactions worth over $73 million between May 2025 and April 2026. But most of them were very small transactions.

The median x402 payment was between $0.01 and $0.10, while 76% of transactions fell below the $0.30 fixed-fee threshold for card payments. USDC accounted for 98.6% of settlements.

Although the transaction amounts are small, the frequency of AI agentic payments is staggering - 173 million.

Software can buy data, compute and other services hundreds or thousands of times without the human behaviors that define conventional commerce. For example, opening an account, entering card details, approving an invoice or waiting until the next banking day.

XDC Network believes this offers an early glimpse of how more payments could work in future.

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