By integrating its proprietary OwlPay Checkout solutions, OwlTing aims to deliver the critical merchant-side infrastructure, enabling businesses to accept and process payments initiated by AI agents. As AI evolves from passive chatbots to active agents capable of executing complex tasks, the digital economy requires a unified financial layer. While the x402 standard provides AI agents with the capability to “send” payments, the current market lacks a compliant, standardized method for real-world businesses to “receive” them. OwlTing addresses this gap with OwlPay Checkout solutions, which is designed to verify AI-initiated requests and settle funds instantly in regulated digital currencies or fiat currencies within a rigorous compliance framework.
In simple terms, while x402 provides the “digital wallet” for AI agents, OwlTing is building the “digital cash register” for merchants. Without this operational bridge, Agentic Commerce cannot scale. “The promise of Agentic Commerce depends on the ability to close the loop between a digital instruction and a physical transaction,” said Darren Wang, Founder and CEO at OwlTing Group. “While x402 provides the universal language for agents to initiate value transfer, OwlPay provides the compliant checkout and settlement layer that businesses require. We are turning AI purchasing power into recognized revenue for merchants.”
“The vision of x402 is to create a web where value moves as freely as information,” added Dan Kim, Vice President of Business Development at Coinbase. “For this ecosystem to grow, it is critical that open standards connect with real-world business infrastructure. We are excited to see builders like OwlTing adopting these standards to help extend the utility of AI agents from simple browsing to future transactions.” Over the past year, AI-driven traffic to retail websites in the United States surged by over 4,700%. McKinsey estimates that the transition toward Agentic Commerce could represent up to US$1 trillion in the U.S. B2C retail sector by 2030, with a global opportunity reaching US$3 to 5 trillion as automated shopping and payment flows become part of everyday life.
To capture this volume, trust and compliance are critical. OwlTing is positioned with a mature regulatory footprint, holding Money Transmitter Licenses (MTLs) in 39 U.S. states, a VASP license in Europe, and an Electronic Payment Intermediary Service Provider (Banking API) license in Japan, while actively pursuing additional licenses in Hong Kong, Singapore, and key Latin American markets. This disciplined approach aims to provide trusted rails for merchants as AI-driven commerce scales globally.
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