Agent wallets hold stablecoins. The rest of the economy runs on dollars and euros. A procurement agent can hold 50,000 USDC on Base, but the office supply vendor accepts wire transfers. A customer pays in euros via bank transfer, but the agent fleet needs USDC to operate. Connecting these two systems is the last piece of the stack.
Oris bridges agent wallets to traditional finance through fiat on-ramps, fiat off-ramps, cross-chain transfers, and direct integration with Visa, Mastercard, and emerging agentic payment protocols.
Fiat On-Ramp: Dollars In, Stablecoins Out
The on-ramp converts fiat currency into stablecoins and deposits them into an agent wallet. Two funding methods are supported.
Bank transfer (ACH/SEPA). The enterprise initiates a transfer from its corporate bank account to a Circle or partner custodian account. The funds settle in 1 to 3 business days. Upon settlement, the equivalent amount of USDC or EURC is minted and sent to the designated agent wallet address. This method carries zero transaction fees beyond standard bank transfer costs.
Card payment. For faster funding, enterprises can use a corporate debit or credit card to purchase USDC directly. Funds arrive in the agent wallet within minutes. Card payments carry a 1.5% to 2.5% processing fee, making them suitable for urgent top-ups rather than regular funding.
Once stablecoins arrive in the agent wallet, the agent can transact immediately. The on-ramp is a one-time funding step. The agent operates entirely in stablecoins from that point forward.
Fiat Off-Ramp: Stablecoins Out, Dollars In
The off-ramp converts stablecoins back to fiat and deposits them into a corporate bank account. An agent that collects revenue in USDC can trigger an off-ramp to sweep funds back to the enterprise treasury.
The process works in three steps. The agent (or a treasury policy) initiates a redemption request. The stablecoins are burned or transferred to the redemption partner. The equivalent fiat amount is wired to the enterprise's registered bank account within 1 to 2 business days.
Off-ramp triggers can be automated. A policy can define a balance threshold: when the agent wallet exceeds $10,000 USDC, sweep $8,000 to the corporate bank account and retain $2,000 as operating balance.
Supported Payment Protocols
Agent-to-agent and agent-to-service payments use a growing set of specialized protocols. Each protocol serves a distinct use case. Oris integrates with all of them through a unified API layer.
| Protocol | Type | What It Does |
|---|---|---|
| x402 | HTTP-native | Attaches stablecoin payment to HTTP requests. Agent pays per API call via the 402 Payment Required header. |
| Direct Transfer | On-chain | Standard ERC-20 or SPL token transfer between two wallet addresses on the same chain. |
| ACP (Agent Commerce Protocol) | Agent-to-agent | Structured negotiation and payment between two agents. Includes service discovery, price agreement, and escrow settlement. |
| MCP (Model Context Protocol) | Tool integration | Enables LLM agents to call external tools. Oris exposes wallet and payment functions as MCP tools. |
| UCP (Universal Checkout Protocol) | Merchant checkout | Standardized checkout flow for agents purchasing from merchant platforms. Handles cart, payment, and confirmation. |
| Visa TAP (Token Authorization Protocol) | Card network | Enables agents to initiate payments through Visa's agentic commerce framework using tokenized card credentials. |
| MC Agentic Commerce | Card network | Mastercard's agent payment protocol. Allows agents to transact at any Mastercard-accepting merchant with delegated authority. |
| Solana Pay | Point-of-sale | QR-based or deep-link payment on Solana. Sub-second finality. Zero fees for USDC transfers. |
| CCTP (Cross-Chain Transfer Protocol) | Bridge | Circle's native USDC bridge. Burns USDC on the source chain and mints on the destination chain. No wrapped tokens. |
Cross-Chain Transfers via CCTP
An agent holds USDC on Base. The counterparty requires payment on Ethereum. Bridging between chains has historically required third-party bridges with liquidity pools, slippage risk, and security vulnerabilities. Circle's Cross-Chain Transfer Protocol (CCTP) eliminates these problems.
CCTP works through a burn-and-mint mechanism. The agent burns USDC on the source chain (Base). Circle's attestation service verifies the burn. The equivalent amount of native USDC is minted on the destination chain (Ethereum). No wrapped tokens. No liquidity pools. No slippage.
Step 1
Agent initiates cross-chain transfer via Oris API. Specifies amount, source chain, destination chain.
Step 2
USDC is burned on the source chain. The burn transaction is recorded on-chain.
Step 3
Circle attestation service confirms the burn. Generates a signed attestation.
Step 4
Native USDC is minted on the destination chain and deposited into the target wallet. Total time: 2 to 15 minutes.
Oris abstracts this entire flow into a single API call. The agent specifies the amount, source chain, and destination chain. The platform handles burn initiation, attestation polling, and mint confirmation. The agent receives a callback when the funds are available on the destination chain.
Visa and Mastercard Agentic Commerce
Both major card networks launched agentic commerce frameworks in 2025. These protocols let authorized agents transact at the 100+ million merchant locations that accept Visa and Mastercard worldwide.
Visa Token Authorization Protocol (TAP). Visa TAP issues tokenized card credentials to agents. The enterprise registers an agent with Visa through a partner bank. Visa issues a token linked to the corporate card account. The agent uses this token to initiate transactions. Visa's network authorizes the payment through its standard rails. The merchant receives a standard card payment. The enterprise sees the charge on its corporate card statement.
Mastercard Agentic Commerce. Mastercard's framework follows a similar model with additional identity verification. Each agent receives a delegated authority token from the corporate account. The token carries spending limits and merchant category restrictions. The agent presents the token at checkout. Mastercard's network validates the delegation chain and processes the payment.
Both protocols solve a critical gap. They let agents pay at traditional merchants without requiring the merchant to accept stablecoins. The agent operates in its stablecoin-native environment. The card network handles the translation to traditional payment rails.
The x402 Protocol
The x402 protocol attaches stablecoin payments directly to HTTP requests. When an agent calls a paid API, the server returns a 402 Payment Required response with a payment specification. The agent constructs a stablecoin transaction, attaches the payment proof to the request header, and resends the request. The server verifies the payment on-chain and returns the API response.
This protocol eliminates API keys, subscription plans, and invoicing for machine-to-machine commerce. Each request carries its own payment. Usage-based pricing becomes native to the protocol layer. An agent pays exactly for what it consumes, per request, with no monthly commitment and no billing cycle.
The Complete Bridge
Agents operate in stablecoins. The bridge to traditional finance makes that balance usable everywhere. Fiat on-ramps fund agent wallets from corporate bank accounts. Fiat off-ramps sweep revenue back to the treasury. CCTP moves USDC across chains without wrapped tokens. Visa and Mastercard protocols unlock 100 million merchant endpoints. The x402 protocol enables pay-per-request API commerce.
The result is an agent that can hold USDC on Base, pay a vendor via Mastercard, call a paid API via x402, transfer funds to Ethereum via CCTP, and sweep profits back to a corporate bank account. Every step is programmatic. Every step is auditable. Every step connects the on-chain world to the financial system that enterprises already use.
Build the bridge between your agent wallets and traditional finance at useoris.xyz.
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