Cloudflare Gives AI Agents an Identity and a Wallet

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Cloudflare's new tools for AI agents are revolutionizing the way businesses interact with online transactions, but what does this mean for the future of commerce?

TL;DR
• Cloudflare introduces new tools for AI agents to give businesses confidence in online transactions.
• The tools include a stable ID and a virtual wallet for agents.
• This will enable agentic commerce and make online transactions more secure.

Summary
Cloudflare launches Wallets and cloudflare.pay to give AI agents a stable identity and a secure payment channel, enabling agent‑driven commerce with clear accountability.
• Agents receive unique web addresses linking them to human owners, allowing merchants to verify source.
• Account Wallets hold stablecoins and issue Virtual Wallets with spending caps, approved merchant lists, and transaction limits.
• Guardrails are built into the system, ensuring agents cannot exceed user‑defined thresholds.
• The Monetization Gateway completes the two‑sided payment market, supporting both agent and merchant interactions.
• Full wallet access, including on‑ramping and off‑ramping funds, will roll out in the coming months.

Cloudflare’s new identity and payment infrastructure addresses the gap left by legacy bot‑detection tools, which were designed for search crawlers rather than commerce‑oriented agents. By assigning a unique, stable ID to each agent, businesses can distinguish legitimate, human‑authorized requests from malicious actors, reducing the need for blanket security measures that hinder legitimate traffic.

The Wallet system introduces a central balance that can hold stablecoins, from which users can allocate Virtual Wallets to individual agents. These Virtual Wallets come with pre‑set guardrails—spending caps, merchant whitelists, and maximum transaction sizes—ensuring that agents operate within safe, predictable parameters. This design promotes responsible use of AI in commerce, allowing companies to scale agent interactions while maintaining control over financial exposure.

With the Monetization Gateway, Cloudflare completes the agentic payment loop, enabling merchants to accept payments from agents with confidence in the identity and limits of the payer. The rollout of full wallet functionality, including fund management and Virtual Wallet issuance, is scheduled for the near future, positioning Cloudflare as a foundational platform for secure, accountable agent‑driven transactions.

As we move forward in the digital age, it's essential to consider the implications of agentic commerce and how it will shape the future of online transactions.