TL;DR: FluxA is the first AI agent co-wallet, letting AI agents spend, receive, and pay with user assets through intent-based authorization. LI.FI is now live inside FluxA, enabling agents and users to bridge assets from any chain directly into their Agent Wallet - so agents can access liquidity wherever it lives, without requiring users to manually manage cross-chain transfers.

Crypto has a new kind of user.

It's not a person sitting at a desk, carefully reviewing a bridge confirmation before signing. It's an AI agent, autonomous, fast, operating across dozens of apps simultaneously — and it needs to move money the same way it moves everything else: with intent, within guardrails, and without friction.

FluxA was built for exactly this user.

The Co-Wallet Primitive

FluxA is the first AI agent co-wallet. Where traditional wallets are built for humans, FluxA is built for a world where humans delegate financial tasks to agents, and where agents need to act within clearly defined scope, not with unlimited access.

The core mechanic is Intent Pay. An AI agent generates a payment intent. The user signs it. FluxA's financial system executes it, ensuring the spend stays within the approved amount, the approved asset, and the approved purpose. The agent gets to act. The user stays in control.

The product stack extends into every layer of agent-native commerce:

• AI Agent Wallets: dedicated wallets for agents to hold and spend user-authorized funds

• Agent Cards: one-time-use stablecoin-backed cards, enabling instant spending anywhere cards are accepted with no residual exposure

• Payment Links: x402-standard links agents can generate to request or collect funds programmatically

• Open Deferred Payments (ODP) : infrastructure for high-frequency agent micropayments at scale

• MCP/API monetization: enabling agents to pay for tools, APIs, and services directly, without human intervention at the payment step

The result is a full financial primitive layer for AI: programmable spending authority, without sacrificing user sovereignty.

The Funding Problem

Here's the infrastructure challenge that doesn't get enough attention in the agentic economy conversation.

AI agents are increasingly being asked to interact with tools, services, and APIs across different ecosystems, and those ecosystems span multiple chains. An agent that needs to pay for a service on Arbitrum while the user holds USDC on Base, or access liquidity on Ethereum while funds are sitting on BNB Chain, hits a wall. Either the user has to manually bridge first, or the agent can't execute.

Neither is acceptable for infrastructure that's supposed to reduce friction, not introduce new forms of it.

The same problem shows up at the wallet funding level. A developer building an agent application needs to fund that agent's wallet, but they can't control which chain their users hold assets on. Without cross-chain infrastructure, every unsupported chain is a user they lose before the agent ever runs.

LI.FI Inside FluxA

LI.FI is now live inside FluxA. Users can bridge assets from any supported chain directly into their FluxA Agent Wallet in a single transaction, LI.FI's aggregation and orchestration layer handling bridge selection, swap execution, and settlement invisibly in the background.

This integration works across three distinct layers of the FluxA stack:

Wallet funding. Users can deposit into their Agent Wallet from whatever chain they're already on. No manual bridging required, no separate step before the agent can start working. The wallet gets funded; the agent gets access.

Payment routing. When agents need to transact across ecosystems — paying for APIs, accessing tools, executing cross-chain payments, LI.FI's liquidity aggregation layer ensures the best available route is used. Agents don't need to know where liquidity comes from. They just need it to work.

Developer access. Developers building on FluxA inherit multi-chain compatibility from day one. An agent application built on FluxA can be funded from any chain LI.FI supports, which means the developer's addressable user base isn't limited by chain fragmentation.

Building the Agentic Economy's Financial Layer

FluxA and LI.FI are both early infrastructure bets on the same macro shift: that AI agents will become meaningful economic actors, and that the financial stack powering them needs to be built now, before the demand fully arrives.

FluxA provides the authorization and intent layer - the mechanism by which agents get bounded spending authority without full wallet access, and the payment primitives (Agent Cards, Payment Links, ODP) that make agent commerce actually work. LI.FI provides the universal liquidity layer, the orchestration infrastructure that ensures agents and developers can access assets across a fragmented multi-chain world without the fragmentation becoming their problem.

Together, the two protocols are reducing the last major source of friction for developers building financially capable AI agents: not what the agent can do, but whether it can actually access the funds it needs, wherever those funds happen to live.

Start Building

FluxA is live at fluxapay.xyz. If you're building AI agent infrastructure, or integrating payments into agent workflows: the co-wallet primitive is ready.

LI.FI powers cross-chain execution for 1000+ applications across 60+ chains. Explore the docs and start integrating at LI.FI.