{
 "updated": "2026-11-02",
 "about": "AI 原生支付图谱：每家公司的估值、收入、融资和关键数据，每个数字附出处（src）。layer 对应 layers.json 的 code。keyrock_named = Keyrock 原图点名的项目；protocols = 支持或参与的 agent 支付协议；rail = 主要走的轨道（卡 / 稳定币 / 银行转账 / 混合）。",
 "companies": [
  {
   "name": "Amazon Buy for Me",
   "layer": "a5",
   "url": "https://www.aboutamazon.com/news/retail/amazon-shopping-app-buy-for-me-brands",
   "hq": "西雅图",
   "founded": 2025,
   "founded_month": "2025-04",
   "desc": "Amazon 购物 App 内的 AI 代购，替用户在其他品牌官网下单",
   "key_data": [
    {
     "k": "测试范围",
     "v": "2025-04 起在美国部分 iOS / Android 用户中 beta 测试，品牌与商品有限",
     "date": "2025-04",
     "src": "https://www.aboutamazon.com/news/retail/amazon-shopping-app-buy-for-me-brands"
    }
   ],
   "product_line_of": "Amazon",
   "public": true,
   "rail": "卡",
   "note": "2026-01 仍是 beta；Forbes 与 RetailDetail 报道部分未与 Amazon 合作的品牌被未经同意列出、收到缺货商品订单，品牌不满（https://www.forbes.com/sites/johnkoetsier/2026/01/07/amazon-agentic-hypocrisy-agents-for-me-but-not-for-thee/ ，https://www.retaildetail.eu/news/general/brands-furious-about-ai-tool-that-places-products-on-amazon-without-permission/ ）。没查到用量、交易额数字，也没查到支持哪些 agent 支付协议。"
  },
  {
   "name": "ChatGPT Instant Checkout",
   "layer": "a5",
   "url": "https://openai.com/index/buy-it-in-chatgpt/",
   "hq": "旧金山",
   "founded": 2025,
   "founded_month": "2025-09",
   "desc": "ChatGPT 内直接下单付款的结账功能，基于 ACP，已被 OpenAI 收缩",
   "key_data": [
    {
     "k": "Instant Checkout 上线到下线",
     "v": "2025-09-29 上线，2026-03-04 前后下线，约 5 个月",
     "date": "2026-03",
     "src": "https://forkast.news/openai-built-in-chat-checkout-for-ai-commerce-five-months-later-it-walked-away/"
    }
   ],
   "customers": [
    "Etsy",
    "Glossier",
    "SKIMS",
    "Target",
    "Sephora",
    "Best Buy",
    "Wayfair"
   ],
   "product_line_of": "OpenAI",
   "protocols": [
    "ACP"
   ],
   "rail": "卡",
   "note": "现状：原生 Instant Checkout 已收缩。OpenAI 3 月 24 日对 CNBC 称初版结账灵活度不够，改为让商家用自己的结账、OpenAI 聚焦商品发现（来源 https://www.retail-week.com/technology/chatgpt-rolls-back-instant-checkout-and-launches-visual-shopping-upgrades/7050844.article ，Modern Retail https://www.modernretail.co/technology/what-went-wrong-with-chatgpts-instant-checkout/ ）；Nuvei 引述 OpenAI 发言人称结账转入 apps（https://www.nuvei.com:8443/posts/openai-tried-to-checkout-it-couldnt ）。ACP 协议本身保留，Target、Sephora、Best Buy、Wayfair 已接扩展后的 ACP，Shopify 商家经 Shopify Catalog 接入。另有一篇博客称 2026-07 Instant Checkout「正式可用」（laioutr.com），未找到一手来源佐证，不采信。没查到 Instant Checkout 的交易量或收入数字。"
  },
  {
   "name": "Google Agentic Checkout（AI Mode / Gemini）",
   "layer": "a5",
   "url": "https://developers.google.com/merchant/ucp",
   "hq": "山景城",
   "founded": 2025,
   "founded_month": "2025-11",
   "desc": "AI Mode 和 Gemini 里的「Buy for me」代购结账，经 Google Pay 付款",
   "key_data": [
    {
     "k": "UCP 与 Universal Cart 扩展",
     "v": "2026-05 Google Marketing Live 宣布 Universal Cart 支持 Nike、Sephora、Target、Walmart、Wayfair 及 Shopify 商家，Affirm 和 Klarna 的先买后付接入 Google Pay",
     "date": "2026-05",
     "src": "https://searchengineland.com/google-expands-universal-commerce-protocol-and-launches-new-agentic-shopping-tools-478113"
    }
   ],
   "customers": [
    "Wayfair",
    "Chewy",
    "Quince",
    "Shopify 商家",
    "Walmart",
    "Target",
    "Nike",
    "Sephora"
   ],
   "product_line_of": "Google",
   "public": true,
   "protocols": [
    "AP2",
    "UCP"
   ],
   "rail": "卡",
   "note": "2025-11-13 前后在美国上线 agentic checkout：用户设好商品、尺码、最高价，降价时点「Buy for me」，经 Google Pay 在商家站完成购买（来源 https://au.lifehacker.com/ai/116552/news/google-is-rolling-out-agentic-checkout-to-make-your-purchases-for-you ）。2026-01 NRF 上 Google 发布 UCP，让 AI Mode 与 Gemini 内直接结账（https://www.digitaltoday.co.kr/en/view/907/google-universal-commerce-protocol-ai-agent-commerce-expansion ）。没查到交易笔数或金额。UCP 协议本身可能归 p3 层，这里放的是 Google 的购买界面。"
  },
  {
   "name": "Microsoft Copilot Checkout",
   "layer": "a5",
   "url": "https://www.microsoft.com/en-us/microsoft-copilot",
   "hq": "雷德蒙德",
   "founded": 2026,
   "founded_month": "2026-01",
   "desc": "Copilot 对话内直接购买，商家仍是记录商户，PayPal、Stripe、Shopify 提供支付与商家接入",
   "key_data": [
    {
     "k": "接入商户",
     "v": "超过 50 万商户，已进入 Copilot 手机 App（美国）",
     "date": "2026-04",
     "src": "https://tech.yahoo.com/ai/copilot/articles/copilot-mobile-app-just-got-135202521.html"
    },
    {
     "k": "Copilot 月活",
     "v": "超过 1 亿",
     "date": "2026-01",
     "src": "https://www.axios.com/2026/01/08/microsoft-ai-copilot-checkout"
    }
   ],
   "customers": [
    "PayPal",
    "Shopify",
    "Stripe",
    "Etsy",
    "Urban Outfitters",
    "Anthropologie",
    "Ashley Furniture"
   ],
   "product_line_of": "Microsoft",
   "public": true,
   "rail": "卡",
   "note": "2026-01-08 在 NRF 发布，先在美国 Copilot.com 上线（https://www.pcmag.com/news/copilot-checkout-lets-you-buy-products-without-leaving-microsofts-chatbot ）。Shopify 商家在 opt-out 窗口后自动加入。没查到成交笔数或金额，也没查到支持哪些 agent 支付协议。"
  },
  {
   "name": "Olas",
   "layer": "a5",
   "url": "https://olas.network/",
   "hq": "伦敦",
   "founded": 2021,
   "desc": "Pearl：用户自持、自充值的 agent 应用商店，agent 在链上自主交易",
   "total_raised": "累计融资约 $14M（聚合站估算）",
   "funding": [
    {
     "date": "2025-02",
     "round": "核心贡献方融资",
     "amount": "$13.8M",
     "lead": "1kx",
     "src": "https://siliconangle.com/2025/02/05/olas-raises-13-8m-launch-decentralized-app-store-ai-agents/"
    }
   ],
   "customers": [
    "Polymarket（Polystrat 交易 agent 运行于其上）"
   ],
   "rail": "稳定币",
   "note": "主体是 Valory（Olas 核心贡献方），Olas 前身 Autonolas，2021 年起。总部城市出自聚合站 AIFI Map，未核对一手。2025-02 同轮跟投：Tioga Capital、Sigil Fund、Zee Prime Capital、Spaceship DAO。Pearl 用户用卡或钱包给 agent 充值，agent 自己跑预测市场交易（https://x.com/autonolas/status/2034600862656741522 ）。分层提示：它是自主交易 agent 框架，不是替人下单购物的助手，放 a5 偏勉强。没查到收入、估值和一手的交易笔数。"
  },
  {
   "name": "Perplexity",
   "layer": "a5",
   "url": "https://www.perplexity.ai/shopping",
   "hq": "旧金山",
   "founded": 2022,
   "desc": "AI 搜索的 agent 购物与结账，经 PayPal / Venmo 的 Instant Buy 在对话内买",
   "valuation": {
    "v": "$20B",
    "date": "2025-09",
    "kind": "投后估值，The Information 报道；2026-08 报道 Nvidia 在谈按 $30B 以上估值入股，未交割",
    "src": "https://markets.businessinsider.com/news/stocks/nvidia-eyes-perplexity-investment-at-30b-valuation-to-deepen-ai-ambitions-1036486582"
   },
   "revenue": {
    "v": "$750M+",
    "date": "2026-08",
    "kind": "年化收入，The Information 报道",
    "src": "https://www.fastcompany.com/91600914/maybe-we-were-wrong-about-perplexity"
   },
   "total_raised": "累计融资约 $1.7B（媒体报道）",
   "funding": [
    {
     "date": "2025-09",
     "round": "E 轮延续",
     "amount": "$200M",
     "post": "投后 $20B",
     "src": "https://www.arabnews.pk/offbeat/perplexity-finalizes-20-billion-valuation-round-the-information-reports-2614869"
    }
   ],
   "key_data": [
    {
     "k": "Instant Buy 覆盖商户",
     "v": "5,000+ 商户",
     "date": "2025-11",
     "src": "https://www.pymnts.com/news/artificial-intelligence/2025/paypal-and-perplexity-debut-instant-buy-ahead-of-black-friday-shopping/"
    }
   ],
   "customers": [
    "PayPal",
    "Venmo",
    "Firmly",
    "Abercrombie & Fitch",
    "Fabletics",
    "Ashley Furniture",
    "Newegg"
   ],
   "rail": "混合",
   "note": "2024-11 上线 Buy with Pro，2025-11 与 PayPal 推出面向所有美国用户的免费 Instant Buy，PayPal 商家为记录商户（https://www.emarketer.com/content/perplexity-agentic-shopping-relaunch-paypal-black-friday ）。成立年份 2022 来自常识，本次未找到来源，月份没查。部分聚合站称 2026-01 还有一轮 $525M、估值 $20.46B（DefiLlama），未找到一手出处，未采用。收入增长主要来自 2026-02 推出的 Perplexity Computer，不单指购物。"
  },
  {
   "name": "Virtuals Protocol",
   "layer": "a5",
   "url": "https://whitepaper.virtuals.io/",
   "hq": "新加坡",
   "founded": 2024,
   "desc": "Agent Commerce Protocol：让 agent 之间链上雇佣、付款、验收，用 aGDP 衡量",
   "total_raised": "累计融资约 $16M（种子轮；仅有聚合页出处）",
   "funding": [
    {
     "date": "2024",
     "round": "种子轮",
     "amount": "$16M",
     "lead": "DeFiance Capital、Beam",
     "src": "https://www.coinbase.com/en-gb/price/solana-virtual-protocol-yr9y"
    }
   ],
   "key_data": [
    {
     "k": "已部署 agent / 自报 Agentic GDP",
     "v": "1.8 万+ agent；aGDP $479M（项目自报）",
     "date": "2026-02",
     "src": "https://blockeden.xyz/blog/2026/05/09/virtuals-protocol-ai-economic-os-agdp-agent-platform/"
    },
    {
     "k": "累计协议收入",
     "v": "超过 $39.5M",
     "date": "2026-02",
     "src": "https://blockeden.xyz/blog/2026/05/09/virtuals-protocol-ai-economic-os-agdp-agent-platform/"
    }
   ],
   "keyrock_named": true,
   "protocols": [
    "ACP"
   ],
   "rail": "稳定币",
   "note": "这里的 ACP 指 Virtuals 自家的 Agent Commerce Protocol（EIP-8183，请求、协商、交易、验收四阶段），不是 OpenAI 与 Stripe 的 ACP（https://forkast.news/the-machine-as-buyer-virtuals-acp-and-the-evaluator-problem/ ）。2026-07-14 起 peaqOS 机器可通过 ACP 雇 agent。前身是 2021 年的游戏公会 PathDAO，2024-01 转向 AI agent，2024-10 在 Base 上线（BlockEden）。总部和融资信息只找到聚合页，没找到一手公告，总部城市未核实。分层提示：主业是 agent 间协议加代币化平台，和「替人类用户花钱」只部分重合，可能更适合放 p3。"
  },
  {
   "name": "Amberflo",
   "layer": "b9",
   "url": "https://www.amberflo.io",
   "hq": "帕洛阿尔托",
   "founded": 2020,
   "desc": "AI 用量计量与成本归因，把 token 消耗转成客户账单和积分",
   "total_raised": "累计融资约 $20M（种子 + A 轮）",
   "funding": [
    {
     "date": "2020-12",
     "round": "种子轮",
     "amount": "$5M",
     "lead": "Homebrew",
     "src": "https://www.businesswire.com/news/home/20230117005374/en/5372336/"
    },
    {
     "date": "2023-01",
     "round": "A 轮",
     "amount": "$15M",
     "lead": "Norwest Venture Partners",
     "src": "https://www.businesswire.com/news/home/20230117005374/en/5372336/"
    }
   ],
   "customers": [
    "LaunchDarkly",
    "Firebolt"
   ],
   "note": "收入、估值都没公开；A 轮之后没查到新融资。2025 年起把产品改叫 AI 治理与变现平台（成本归因、FinOps + 账单），偏内部成本管理，面向 AI 公司的计费占一半。"
  },
  {
   "name": "Autumn",
   "layer": "b9",
   "url": "https://useautumn.com",
   "hq": "伦敦",
   "founded": 2025,
   "desc": "Stripe 之上的开源计费层，管理积分、用量计价和功能权限",
   "total_raised": "累计融资约 $7.7M（聚合站估算：YC Pre-seed $0.5M + 种子轮）",
   "funding": [
    {
     "date": "2025-12",
     "round": "种子轮",
     "amount": "$7M",
     "lead": "Greylock、Peak XV 等参投（领投方未核实）",
     "src": "https://www.caplight.com/company/useautumn"
    }
   ],
   "key_data": [
    {
     "k": "已接入应用",
     "v": "400+（前四个月）",
     "date": "2025-08",
     "src": "https://www.orangecollective.vc/memos/autumn"
    }
   ],
   "note": "YC S25 批次。融资数字只找到聚合站（Caplight），kind 为聚合站估算，公司官方公告没找到。总部：YC 页面与媒体写伦敦，PitchBook 类站点写旧金山，这里取伦敦。收入、估值都没公开。"
  },
  {
   "name": "Chargebee",
   "layer": "b9",
   "url": "https://www.chargebee.com/billing/agentic/",
   "hq": "旧金山",
   "founded": 2011,
   "desc": "订阅计费系统新增 token、积分、结果计价和 MCP 计费",
   "valuation": {
    "v": "$3.5B",
    "date": "2022-02",
    "kind": "H 轮估值，聚合站估算",
    "src": "https://inc42.com/company/chargebee/funding/"
   },
   "total_raised": "累计融资约 $468M（聚合站估算）",
   "funding": [
    {
     "date": "2022-02",
     "round": "H 轮",
     "amount": "$250M",
     "lead": "未核实",
     "post": "估值 $3.5B（聚合站）",
     "src": "https://inc42.com/company/chargebee/funding/"
    }
   ],
   "key_data": [
    {
     "k": "客户数",
     "v": "6,500+",
     "date": "2026-10",
     "src": "https://www.saastr.com/saastr-ai-app-of-the-week-chargebee-the-billing-system-behind-how-gorgias-coderabbit-lambda-and-zapier-price-ai/"
    },
    {
     "k": "MCP 服务器连接团队数",
     "v": "近 400",
     "date": "2026-10",
     "src": "https://www.saastr.com/saastr-ai-app-of-the-week-chargebee-the-billing-system-behind-how-gorgias-coderabbit-lambda-and-zapier-price-ai/"
    }
   ],
   "customers": [
    "CodeRabbit",
    "Gorgias",
    "Lambda",
    "Zapier"
   ],
   "note": "老牌订阅计费公司，2026 年把 AI 计费做成主打（积分 / 动作 / 结果统一价目表，MCP beta 2026-05）。成立年份来自常识与 SaaStr 的「14 年以上」，没有官网 About 一手页核对；总部美印两地。收入没公开。"
  },
  {
   "name": "Creem",
   "layer": "b9",
   "url": "https://www.creem.io",
   "hq": "塔林",
   "founded": 2024,
   "desc": "面向 AI 原生小团队的 MoR 计费，支持用量、积分和预付钱包",
   "revenue": {
    "v": "€2M+",
    "date": "2026-09",
    "kind": "ARR，公司自报",
    "src": "https://www.startup.eu/investments/creem-5-m-seed-09-2026"
   },
   "total_raised": "累计融资约 €6.8M（Dealroom 口径，其他报道写 €7M）",
   "funding": [
    {
     "date": "2025-08",
     "round": "Pre-seed",
     "amount": "€1.8M",
     "lead": "Practica Capital、Antler",
     "src": "https://en.ain.ua/2025/08/26/creem-raises-eur18m/"
    },
    {
     "date": "2026-09",
     "round": "种子轮",
     "amount": "€5M",
     "lead": "Inovo VC",
     "src": "https://www.therecursive.com/tallinn-based-creem-raises-eur5m-to-build-billing-infrastructure-for-ai-native-companies/"
    }
   ],
   "note": "估值没公开。成立年份按报道里团队从 2024-10 的 1 人起步推断，没有官方成立年月，需要的话再核。主业是 Merchant of Record + 计费，Creem 2.0 让客户自己的 AI agent 通过 MCP 操作账单。"
  },
  {
   "name": "Flexprice",
   "layer": "b9",
   "url": "https://flexprice.io",
   "hq": "新德里",
   "founded": 2024,
   "desc": "开源计费基础设施，处理 token、算力和结果计价及积分",
   "total_raised": "累计融资约 $2M（两轮相加）",
   "funding": [
    {
     "date": "2025-07",
     "round": "天使/Pre-seed",
     "amount": "$500K",
     "lead": "TDV Partners",
     "src": "https://profiles.crustdata.com/company/flexprice"
    },
    {
     "date": "2026-05",
     "round": "种子轮",
     "amount": "$1.5M",
     "lead": "Shastra VC、Anupam Mittal 联合领投",
     "src": "https://www.moneycontrol.com/news/business/startup/flexprice-raises-1-5-million-from-tdv-ventures-anupam-mittal-and-shastra-vc-13931206.html"
    }
   ],
   "key_data": [
    {
     "k": "每月处理用量事件",
     "v": "200 亿+",
     "date": "2026-05",
     "src": "https://www.finsmes.com/2026/06/flexprice-raises-1-5m-in-seed-funding.html"
    }
   ],
   "note": "收入、估值都没公开。总部各媒体写法不一（新德里 / 班加罗尔 / 旧金山有团队），这里按 Moneycontrol 写新德里。月份未查到。"
  },
  {
   "name": "Lago",
   "layer": "b9",
   "url": "https://www.getlago.com",
   "hq": "Paris / San Francisco",
   "founded": 2021,
   "desc": "开源的按用量计费与账单系统，AI 公司拿来按 token 收费",
   "total_raised": "累计融资 $22M",
   "funding": [
    {
     "date": "2024-03",
     "round": "A 轮",
     "amount": "$15M",
     "lead": "FirstMark",
     "src": "https://sifted.eu/articles/open-source-billing-startup-lago-news"
    }
   ],
   "key_data": [],
   "customers": [
    "Mistral",
    "Together AI"
   ],
   "note": "社区版 AGPLv3。没找到 2025–2026 新融资。"
  },
  {
   "name": "m3ter",
   "layer": "b9",
   "url": "https://www.m3ter.com",
   "hq": "伦敦",
   "founded": 2020,
   "desc": "为 AI 公司做高并发用量计量与定价，支持用量和结果计价",
   "total_raised": "累计融资约 $31.5M（种子 + A 轮相加）",
   "funding": [
    {
     "date": "2022-02",
     "round": "种子轮",
     "amount": "$17.5M",
     "lead": "Union Square Ventures、Insight Partners、Kindred Capital",
     "src": "https://thenextweb.com/news/salesforce-acquires-m3ter-consumption-billing-agentforce"
    },
    {
     "date": "2023-04",
     "round": "A 轮",
     "amount": "$14M",
     "lead": "Notion Capital",
     "src": "https://www.m3ter.com/blog/m3ter-proud-to-announce-14-million-series-a-funding"
    }
   ],
   "owner": "2026-06-08 宣布被 Salesforce 收购（金额未披露），2026-07-01 完成，并入 Agentforce Revenue Management",
   "note": "收入、估值都没公开。成立年份据 TNW 报道（2020，创始人 Griffin Parry、John Griffin）。已并入 Salesforce，之后不再是独立公司。 收购出处：https://www.salesforce.com/news/stories/salesforce-signs-definitive-agreement-to-acquire-m3ter/"
  },
  {
   "name": "Metronome",
   "layer": "b9",
   "url": "https://metronome.com",
   "hq": "San Francisco",
   "founded": 2019,
   "desc": "实时用量计量与计费平台，AI 公司按 token / 用量收费的底座，现属 Stripe",
   "valuation": {
    "v": "~$1B",
    "date": "2026-01",
    "kind": "收购价（报道）",
    "src": "https://www.digitaltoday.co.kr/en/view/3969/tech-insight-stripes-metronome-acquisition-shows-pitfalls-of-software-architecture"
   },
   "total_raised": "累计融资约 $128M（被 Stripe 收购前）",
   "funding": [
    {
     "date": "2026-01",
     "round": "被 Stripe 收购（交割）",
     "amount": "~$1B（报道）",
     "lead": "Stripe",
     "post": "",
     "src": "https://www.thisweekinfintech.com/p/stripe-acquires-usage-based-billing-software-startup-metronome-for-reported-1b"
    }
   ],
   "key_data": [],
   "customers": [
    "Anthropic",
    "NVIDIA",
    "OpenAI"
   ],
   "owner": "被 Stripe 收购，2025-12 宣布、2026-01 交割，约 $10 亿（报道）",
   "note": "和原图 Paid 同属「计量 / 商业化」方向，但更偏通用用量计费。收购价是媒体报道，官方未披露。"
  },
  {
   "name": "OpenMeter",
   "layer": "b9",
   "url": "https://openmeter.io",
   "hq": "旧金山",
   "founded": 2023,
   "desc": "开源实时用量计量，按 LLM token、API 调用向 AI 公司的客户计费",
   "total_raised": "累计融资约 $3M（公司口径）",
   "funding": [
    {
     "date": "2024-03",
     "round": "种子轮",
     "amount": "$3M",
     "lead": "Y Combinator、Haystack、Sunflower Capital（官方稿未标明领投）",
     "src": "https://openmeter.io/blog/ai-monetization"
    }
   ],
   "owner": "2025-09-03 被 Kong 收购（金额未披露），并入 Kong Konnect，2026-02 发布 Konnect Metering and Billing",
   "note": "收入、估值都没公开。核心代码仍开源（Apache 2.0）。已并入 Kong，之后不再是独立公司。 收购出处：https://siliconangle.com/2025/09/03/kong-acquires-openmeter-power-api-ai-monetization/"
  },
  {
   "name": "Orb",
   "layer": "b9",
   "url": "https://www.withorb.com",
   "hq": "San Francisco",
   "founded": 2021,
   "desc": "按用量计费的账单基础设施，AI 公司按 token / 调用收费常用",
   "valuation": {
    "v": "$335M",
    "date": "2026-06",
    "kind": "收购价（现金）",
    "src": "https://www.fintechfutures.com/m-a/adyen-to-acquire-orb-for-335m"
   },
   "total_raised": "累计融资 $44M",
   "funding": [
    {
     "date": "2024-09",
     "round": "B 轮",
     "amount": "$25M",
     "lead": "Mayfield",
     "src": "https://techcrunch.com/2024/09/17/orb-builds-billing-infrastructure-so-businesses-dont-have-to/"
    },
    {
     "date": "2026-06",
     "round": "被 Adyen 收购",
     "amount": "$335M 现金",
     "lead": "Adyen",
     "post": "",
     "src": "https://seedtable.com/exits/orb"
    }
   ],
   "key_data": [],
   "customers": [
    "Vercel",
    "Glean",
    "Replit",
    "Supabase"
   ],
   "owner": "被 Adyen 收购，2026-06 宣布，预计 2026-07-01 交割，$335M 现金",
   "note": "宣布日期各家写 6-11 / 6-14 / 7-09，以 Adyen 新闻稿 6-11 为准；交割未见确认。与已收的 Metronome（被 Stripe 收）是同一条线：支付巨头买 AI 计费。 名单里的估值 $335M 就是收购价；CB Insights 记累计融资 $49.2M，与已有 $44M 略有出入。"
  },
  {
   "name": "Paid",
   "layer": "b9",
   "url": "https://paid.ai",
   "hq": "London",
   "founded": 2025,
   "desc": "Outreach 创始人 Manny Medina 创办，帮 agent 公司按结果计量、定价和开账单",
   "valuation": {
    "v": "$100M+",
    "date": "2025-09",
    "kind": "报道（TechCrunch 引知情人士）",
    "src": "https://techcrunch.com/2025/09/28/paid-the-ai-agent-results-based-billing-startup-from-manny-medina-raises-huge-21m-seed/"
   },
   "total_raised": "累计融资 $33.3M",
   "funding": [
    {
     "date": "2025-03",
     "round": "Pre-seed",
     "amount": "€10M",
     "lead": "EQT Ventures、Sequoia",
     "src": "https://techcrunch.com/2025/09/28/paid-the-ai-agent-results-based-billing-startup-from-manny-medina-raises-huge-21m-seed/"
    },
    {
     "date": "2025-09",
     "round": "种子轮",
     "amount": "$21.6M",
     "lead": "Lightspeed",
     "post": "$100M+ 估值（报道）",
     "src": "https://techcrunch.com/2025/09/28/paid-the-ai-agent-results-based-billing-startup-from-manny-medina-raises-huge-21m-seed/"
    }
   ],
   "key_data": [],
   "note": "名字有歧义：此处是 paid.ai（Manny Medina 的结果计费公司），与文章「从计量与商业化切入、以结果为导向的计费」一致。没有公布收入和客户数。"
  },
  {
   "name": "Polar",
   "layer": "b9",
   "url": "https://polar.sh",
   "hq": "斯德哥尔摩",
   "founded": 2022,
   "desc": "开源 MoR 平台，按 OpenAI、Anthropic token 消耗做用量计费",
   "total_raised": "累计融资约 $10M（种子轮，另有早期投资方 Abstract、Mischief，金额未披露）",
   "funding": [
    {
     "date": "2025-06",
     "round": "种子轮",
     "amount": "$10M",
     "lead": "Accel",
     "src": "https://www.accel.com/news/our-investment-in-polar-the-future-of-global-payments-for-ai-native-developers"
    }
   ],
   "key_data": [
    {
     "k": "使用开发者",
     "v": "数千",
     "date": "2025-06",
     "src": "https://buy.polar.sh/blog/polar-seed-announcement"
    }
   ],
   "note": "收入、估值都没公开。v1.0 于 2024-09 发布。"
  },
  {
   "name": "Revenium",
   "layer": "b9",
   "url": "https://www.revenium.ai",
   "hq": "赫恩登（弗吉尼亚）",
   "desc": "AI 经济系统：按模型、agent 记录成本，并转成发票或内部分摊",
   "total_raised": "累计融资约 $13.5M（本轮，公司口径）",
   "funding": [
    {
     "date": "2025-11",
     "round": "种子轮",
     "amount": "$13.5M",
     "lead": "Two Bear Capital",
     "src": "https://www.revenium.ai/post/revenium-closes-13-5-million-seed-round-funding"
    }
   ],
   "note": "补充公司。收入、估值、成立年份都没查到。偏 AI 成本与 ROI 可视化，计费是其中一块（用量转发票）；Tracxn 另列一笔 $11.9M 种子，没找到一手出处，不采用。"
  },
  {
   "name": "Schematic",
   "layer": "b9",
   "url": "https://schematichq.com",
   "hq": "博尔德",
   "founded": 2023,
   "desc": "运行时权益与限额控制，让 AI 公司把积分和用量上限同步到 Stripe",
   "total_raised": "累计融资约 $12M（公司口径，种子轮后超 $12M）",
   "funding": [
    {
     "date": "2026-04",
     "round": "种子轮",
     "amount": "$6.5M",
     "lead": "S3 Ventures",
     "src": "https://www.s3vc.com/news-and-insights/exclusive-schematic-raises-65m-to-help-companies-update-their-pricing-faster-and-easier-in-the-ai-era"
    }
   ],
   "customers": [
    "Plotly",
    "Automox",
    "Sema4.ai",
    "Zep"
   ],
   "note": "收入、估值都没公开。产品是权益（entitlements）与定价包装层，不出账单，账单走 Stripe（2026-04 上架 Stripe App），和纯计费系统有区别。"
  },
  {
   "name": "Sequence",
   "layer": "b9",
   "url": "https://www.sequencehq.com",
   "hq": "伦敦",
   "founded": 2021,
   "desc": "AI 驱动的 B2B 计费与收入自动化，处理用量阶梯与合同条款",
   "total_raised": "累计融资约 $38M（公司口径）",
   "funding": [
    {
     "date": "2022-09",
     "round": "种子轮",
     "amount": "约 $18.9M",
     "lead": "a16z",
     "src": "https://parsers.vc/startup/sequencehq.com/"
    },
    {
     "date": "2025-12",
     "round": "A 轮",
     "amount": "$20M",
     "lead": "645 Ventures",
     "src": "https://www.sequencehq.com/blog/sequence-announces-series-a"
    }
   ],
   "key_data": [
    {
     "k": "客户数",
     "v": "100+",
     "date": "2025-12",
     "src": "https://www.sequencehq.com/blog/sequence-announces-series-a"
    }
   ],
   "customers": [
    "Cognition",
    "Legora",
    "Bridge",
    "incident.io",
    "Runway",
    "MoonPay"
   ],
   "owner": "2026-10-14 Intuit 宣布签约收购（官方未披露金额；The Times 经 Tech.eu 报道约 $2 亿），尚未交割",
   "note": "收入没公开，仅自报 ARR 增长 10 倍。成立年份各处写法不一（2021 / 2022），这里取 Tech.eu 的 2021。偏 B2B 报价到收款，不是按 token 的计量层，但客户里 AI 公司多。种子轮金额来自聚合站。 收购出处：https://investors.intuit.com/news-events/press-releases/detail/1327/intuit-to-acquire-ai-native-revenue-management-platform-sequence ；金额报道：https://tech.eu/2026/10/16/a16z-backed-uk-fintech-sequence-sold-to-intuit-in-reported-200m-deal/"
  },
  {
   "name": "Solvimon",
   "layer": "b9",
   "url": "https://www.solvimon.com",
   "hq": "乌得勒支",
   "founded": 2022,
   "desc": "端到端计费，2026 年推 AI 版，支持积分、token 与 MCP 配置",
   "total_raised": "累计融资约 €9M（公司口径）",
   "funding": [
    {
     "date": "2023-11",
     "round": "种子轮",
     "amount": "€9M",
     "lead": "Northzone",
     "src": "https://www.solvimon.com/blog/our-9-million-seed-round-led-by-northzone"
    }
   ],
   "note": "补充公司。收入、估值都没公开；种子轮后没查到新融资。成立年份据 PitchBook 摘要，月份没查到。创始人是前 Adyen 高管。2026-03 发布 Solvimon for AI，2026-04 推无头版（CLI、MCP、Skills），见其官方博客。"
  },
  {
   "name": "Stigg",
   "layer": "b9",
   "url": "https://www.stigg.io",
   "founded": 2021,
   "desc": "定价与权限层：管理额度、AI 积分和用量计量，接在现有账单系统前面",
   "total_raised": "累计融资约 $24M",
   "funding": [
    {
     "date": "2024-12",
     "round": "A 轮",
     "amount": "$17.5M",
     "lead": "Red Dot Capital Partners",
     "src": "https://www.stigg.io/blog-posts/the-billing-monolith-is-dead-announcing-stiggs-17-5m-series-a-funding-to-build-the-future-of-monetization"
    }
   ],
   "key_data": [],
   "customers": [
    "Miro",
    "Webflow",
    "AI21 Labs",
    "PagerDuty"
   ],
   "note": "2026-08 有聚合站称收购了 Received.ai，未核一手。"
  },
  {
   "name": "Zuora",
   "layer": "b9",
   "url": "https://www.zuora.com/ai/",
   "hq": "硅谷（福斯特城）",
   "founded": 2007,
   "desc": "2026-05 推出 AI Monetization Suite，管 token、积分、结果计价",
   "valuation": {
    "v": "$1.7B",
    "date": "2024-10",
    "kind": "私有化交易价（Silver Lake 与 GIC）",
    "src": "https://www.gic.com.sg/newsroom/all/zuora-enters-into-definitive-agreement-silver-lake-gic/"
   },
   "total_raised": "累计融资未披露（2018 年 IPO，2025-02 私有化）",
   "key_data": [
    {
     "k": "Gartner 定期计费魔力象限",
     "v": "Leader（最高执行能力）",
     "date": "2026-08",
     "src": "https://www.zuora.com/resource/persona/ceo/"
    }
   ],
   "owner": "2025-02 被 Silver Lake 与 GIC 以 $17 亿私有化（已退市）",
   "note": "老牌 quote-to-cash 公司，新增 AI Pricing Simulator 和 AI Monetization Suite（2026-05-28 发布，来源 ERP Today）。成立年份来自常识，未在官网核对。 AI 套件出处：https://erp.today/zuora-ai-monetization-suite-pricing-billing-revenue-recognition/"
  },
  {
   "name": "Akamai Agentic Security Framework",
   "layer": "g4",
   "url": "https://www.nasdaq.com/press-release/akamai-unveils-agentic-security-framework-power-trusted-ai-driven-interactions-and",
   "hq": "马萨诸塞州剑桥",
   "founded": 2026,
   "founded_month": "2026-06",
   "desc": "边缘侧 Know Your Agent 框架，把 agent 绑定到授权真人，实时放行或拦截",
   "customers": [
    "Visa",
    "Skyfire",
    "Experian"
   ],
   "product_line_of": "Akamai",
   "public": true,
   "protocols": [
    "Visa TAP"
   ],
   "rail": "卡",
   "note": "补充公司（任务清单外）。2026-06-15 发布六支柱框架；与 Visa Trusted Agent Protocol 集成，与 Skyfire、Experian 合作 KYA。没查到接入规模数据。"
  },
  {
   "name": "American Express Agentic Commerce（ACE）",
   "layer": "g4",
   "url": "https://www.americanexpress.com/en-us/company/agentic-commerce/",
   "hq": "纽约",
   "founded": 2026,
   "founded_month": "2026-04",
   "desc": "ACE 开发者套件：agent 注册、意图认证、令牌化凭证；配 Agent 购买保障",
   "product_line_of": "American Express",
   "public": true,
   "rail": "卡",
   "note": "2026-04-14 发布 ACE 开发者套件（五项服务：Identify / Activate / Contextualize / Fulfill / Enhance）和 Agent Purchase Protection。当时保障条款还没定稿、五项服务里有两项仍在开发。2026-10 另发布意图认证技术框架（The Fintech Times 报道）。接入商户数、交易笔数都没公开。 参考来源：https://www.nasdaq.com/press-release/american-express-debuts-agentic-commerce-experiences-acetm-developer-kit-and；https://thefintechtimes.com/amex-publishes-intent-authentication-framework-for-ai-agent-payments/"
  },
  {
   "name": "Baselayer",
   "layer": "g4",
   "url": "https://baselayer.com/",
   "hq": "旧金山",
   "founded": 2023,
   "founded_month": "2023-02",
   "desc": "KYB 起家，2026-09 推出 Agentic Identity Suite：认 agent、代表谁、能做什么",
   "total_raised": "累计融资约 $40M（CEO 口径，Dealroom 转述）",
   "funding": [
    {
     "date": "2026-09",
     "round": "A 轮",
     "amount": "$35M",
     "lead": "M13",
     "src": "https://www.fintechfutures.com/ai-in-fintech/baselayer-35m-series-a-funding-round"
    }
   ],
   "key_data": [
    {
     "k": "使用其 KYB 的金融机构数",
     "v": "2000+（约占美国 20%）",
     "date": "2026-09",
     "src": "https://dealroom.co/news/155407-baselayer-raises-35m-series-a-to-bring-identity-checks-to-ai-agents/"
    }
   ],
   "customers": [
    "Grasshopper",
    "Paysafe",
    "Nuvei",
    "FIS"
   ],
   "rail": "混合",
   "note": "跟投：Torch Capital、Picus Ventures、Afore Capital、Socure 的 Matt Thompson。公司自称收入已达「八位数」（CEO 口径，无具体数字）。Dealroom 对总部写法不一（旧金山 / 纽约），公司 Brand Facts 页写旧金山。估值未披露。主业是 KYB，agent 身份是新产品线。"
  },
  {
   "name": "Basis Theory",
   "layer": "g4",
   "url": "https://basistheory.com",
   "hq": "San Francisco",
   "founded": 2020,
   "desc": "合规的支付数据保险库，让 agent 安全存取卡信息完成下单",
   "total_raised": "累计融资约 $50M",
   "funding": [
    {
     "date": "2025-10",
     "round": "B 轮",
     "amount": "$33M",
     "lead": "Costanoa",
     "src": "https://www.digitalcommerce360.com/2025/10/16/basis-theory-raises-33-million-to-build-ai-driven-payments-for-commerce/"
    }
   ],
   "key_data": [
    {
     "k": "Agentic Commerce Consortium 成员",
     "v": "20+ 家",
     "date": "2025-10",
     "src": "https://www.digitalcommerce360.com/2025/10/16/basis-theory-raises-33-million-to-build-ai-driven-payments-for-commerce/"
    }
   ],
   "customers": [],
   "note": "牵头 Agentic Commerce Consortium。总部城市请再核（公司在旧金山和其他地有团队）。"
  },
  {
   "name": "Beltic",
   "layer": "g4",
   "url": "https://www.beltic.com/",
   "hq": "旧金山",
   "desc": "KYA 基础设施：验证 agent 身份、所属方和授权，供金融机构和平台放行 agent 交易",
   "total_raised": "累计融资约 $8.8M（公司口径）",
   "funding": [
    {
     "date": "2026-09",
     "round": "种子轮",
     "amount": "$7.3M",
     "lead": "Norwest",
     "src": "https://www.finsmes.com/2026/09/beltic-raises-7-3m-in-seed-funding.html"
    },
    {
     "date": "2025",
     "round": "Pre-seed",
     "amount": "$1.5M",
     "lead": "Collide Capital",
     "src": "https://www.tipranks.com/news/private-companies/beltic-raises-8-8m-to-build-verification-infrastructure-for-autonomous-ai-agents"
    }
   ],
   "rail": "混合",
   "note": "2026-09 出隐身期。跟投：Restive Ventures、Oxford Seed Fund、Latitud、Positive Ventures。报道称此前已开发约 18 个月，具体成立年月没查到。Pre-seed 具体月份未核实（Brazil Journal 称约一年前）。估值、收入、客户名都没公开（只说有设计合作方）。"
  },
  {
   "name": "Forter",
   "layer": "g4",
   "url": "https://www.forter.com/",
   "hq": "纽约",
   "founded": 2013,
   "desc": "Agentic Commerce 反欺诈：接入 Skyfire KYA 令牌，判断 agent 下单是否可信",
   "valuation": {
    "v": "$3B",
    "date": "2021-05",
    "kind": "F 轮投后估值（券商研报转述）",
    "src": "https://needham.bluematrix.com/docs/pdf/2cdbf596-feea-4d9c-8082-c025ec2ce4bb.pdf"
   },
   "total_raised": "累计融资约 $525M（聚合站估算）",
   "funding": [
    {
     "date": "2021-05",
     "round": "F 轮",
     "amount": "$300M",
     "lead": "Tiger Global",
     "post": "投后 $3B",
     "src": "https://needham.bluematrix.com/docs/pdf/2cdbf596-feea-4d9c-8082-c025ec2ce4bb.pdf"
    }
   ],
   "key_data": [
    {
     "k": "Forter 网络上的 agent 订单增长",
     "v": "自 2026-08 起增长超 4 倍",
     "date": "2026-10",
     "src": "https://thepaypers.com/fraud-and-fincrime/news/skyfire-and-forter-partner-to-verify-ai-agents-at-checkout"
    }
   ],
   "customers": [
    "Skyfire",
    "Jomashop"
   ],
   "rail": "卡",
   "note": "2026-10-19 宣布接入 Skyfire KYA 协议数据，Jomashop 为试点商户。聚合站 Caplight 称 2026-10-13 推出 Agentic Commerce Engine（未找到一手发布页，仅供线索）。累计融资为聚合站数字。总部：Needham 研报写纽约，PitchBook 登记办公室在特拉维夫。"
  },
  {
   "name": "HUMAN Security AgenticTrust",
   "layer": "g4",
   "url": "https://www.humansecurity.com/newsroom/first-adaptive-trust-layer-for-agentic-ai-era/",
   "hq": "纽约",
   "founded": 2025,
   "founded_month": "2025-07",
   "desc": "AgenticTrust：识别、验证并按意图管控 AI agent 在站点和 App 上的行为",
   "total_raised": "累计融资未披露（本次未核实）",
   "key_data": [
    {
     "k": "agent 流量增长",
     "v": "2025 前三季度增长 1300%",
     "date": "2025-12",
     "src": "https://www.humansecurity.com/learn/blog/the-year-we-made-trust-adaptive/"
    }
   ],
   "customers": [
    "Amazon Bedrock AgentCore",
    "Riskified"
   ],
   "product_line_of": "HUMAN Security",
   "rail": "混合",
   "note": "founded/fm 填的是 AgenticTrust 发布（2025-07-30，属 HUMAN Sightline）。2025-12 支持 Bedrock AgentCore 浏览器的密码学验证；2026-05 与 Riskified 结盟。偏 agent 流量识别与管控，不直接处理支付。公司成立年份和融资本次未核实。 参考来源：https://www.humansecurity.com/newsroom/human-delivers-cryptographic-verification-amazon-bedrock-agentcore-browser/；https://ir.riskified.com/"
  },
  {
   "name": "Mastercard Agent Pay",
   "layer": "g4",
   "url": "https://www.mastercard.com",
   "hq": "Purchase, NY",
   "desc": "Mastercard 的 agent 支付框架：agent 专用代币、意图校验和给发卡行的信任评分",
   "total_raised": null,
   "funding": [],
   "key_data": [
    {
     "k": "推出",
     "v": "2025-04-29",
     "date": "2025-04",
     "src": "https://rigorrank.com/profiles/MASTERCARD-AGENT-PAY"
    },
    {
     "k": "新增 agent 交易信任 / 情报服务",
     "v": "美国测试中",
     "date": "2026-09",
     "src": "https://investingnews.com/mastercard-advances-agentic-commerce-with-new-trust-and-intelligence-services/"
    }
   ],
   "owner": "Mastercard 的产品线",
   "product_line_of": "Mastercard",
   "keyrock_named": true,
   "note": "已在美国（Citi、U.S. Bank 持卡人）、澳洲、新西兰、欧洲（桑坦德）完成首批交易；没有公布交易规模。"
  },
  {
   "name": "Persona",
   "layer": "g4",
   "url": "https://withpersona.com/lp/know-your-agent",
   "hq": "旧金山",
   "desc": "用真人 KYC/KYB 支撑 KYA：验证 agent 背后的人和企业",
   "valuation": {
    "v": "$2B",
    "date": "2025-04",
    "kind": "D 轮投后估值，公司自报",
    "src": "https://withpersona.com/blog/series-d"
   },
   "total_raised": "累计融资约 $417.5M（聚合站估算）",
   "funding": [
    {
     "date": "2025-04",
     "round": "D 轮",
     "amount": "$200M",
     "lead": "Founders Fund、Ribbit Capital",
     "post": "投后 $2B",
     "src": "https://withpersona.com/blog/series-d"
    }
   ],
   "rail": "混合",
   "note": "agent 相关产品是 KYA 落地页（2026-07 在线）：不验证 agent 本身，而是验证 agent 背后的个人和企业。没查到专门的 agent 支付产品，也没有 agent 交易规模数据。成立年份本次未核实。累计融资是聚合站数字（Parsers VC）。"
  },
  {
   "name": "Prove Verified Agent",
   "layer": "g4",
   "url": "https://www.prove.com/blog/prove-verified-agent-secure-agentic-commerce",
   "hq": "纽约",
   "founded": 2025,
   "founded_month": "2025-10",
   "desc": "把已验证身份、意图、支付凭证和同意用密码学绑成 agent 交易证据链",
   "total_raised": "累计融资未披露",
   "product_line_of": "Prove",
   "rail": "混合",
   "note": "2025-10-23 发布 Prove Verified Agent；2026 年成立 Executive Advisory Board 讨论 agent 交易责任（Biometric Update）。公司成立年份、融资、估值本次未核实。没查到 agent 交易规模数据。 参考来源：https://finovate.com/proves-new-verified-agent-solution-brings-trust-and-verification-for-autonomous-agents/；https://www.biometricupdate.com/202606/identity-sector-moves-to-close-trust-gap-in-agentic-commerce"
  },
  {
   "name": "Riskified",
   "layer": "g4",
   "url": "https://ir.riskified.com/news-releases/news-release-details/riskified-launches-agent-identity-risk-intelligence-know-who",
   "hq": "纽约",
   "founded": 2026,
   "founded_month": "2026-10",
   "desc": "Agent Identity Risk Intelligence：识别下单的 AI 私人助理并对应真实消费者，给风险信号",
   "customers": [
    "HUMAN Security"
   ],
   "product_line_of": "Riskified",
   "public": true,
   "rail": "卡",
   "note": "founded/fm 填的是 agent 身份产品发布（2026-10-08）；此前 2026-03 推出 AI Agent Intelligence（面向商户自有 AI 购物助手，支持 MCP、A2A、REST），2026-05 与 HUMAN 结盟。纽约证券交易所上市（RSKD）。总部写法以新闻稿发稿地为准，公司注册办公室可能在特拉维夫，未核实。没查到 agent 订单规模数据。 参考来源：https://ir.riskified.com/news-releases/news-release-details/riskified-announces-expansion-ai-agent-intelligence-secure"
  },
  {
   "name": "Shufti",
   "layer": "g4",
   "url": "https://shuftipro.com/ai-agent-verification/",
   "hq": "伦敦",
   "founded": 2026,
   "founded_month": "2026-10",
   "desc": "Know Your Agent：一次流程里验 agent、确认真人授权、检查权限",
   "total_raised": "累计融资未披露",
   "product_line_of": "Shufti",
   "rail": "混合",
   "note": "2026-10-28 发布 KYA（founded/fm 填的是产品发布年月，不是公司成立时间）。公司本身是老牌身份验证厂商，成立年份和融资本次未核实。称已支持 Meta Muse、GrokBot、OpenAI Dots 等 agent。没查到 agent 支付交易规模数据。 参考来源：https://shuftipro.com/press-release/shufti-launches-know-your-agent-to-verify-ai-agents/；https://idtechwire.com/shufti-launches-know-your-agent-to-tie-ai-agent-actions-to-verified-owners/"
  },
  {
   "name": "Signifyd",
   "layer": "g4",
   "url": "https://www.signifyd.com/blog/agentic-commerce/",
   "hq": "圣何塞",
   "desc": "商户反欺诈里加入 agentic buying 信号，区分 agent 协助 / 代执行 / 原生三类订单",
   "total_raised": "累计融资未披露（本次未核实）",
   "key_data": [
    {
     "k": "网络内数字身份",
     "v": "9.5 亿+",
     "date": "2026-09",
     "src": "https://www.linkedin.com/posts/signifyd_commerce-runs-on-our-decisions-activity-7511092585721950208-Jgjc"
    }
   ],
   "rail": "卡",
   "note": "2026 冬季版本发布「Agentic Buying」，夏季 Spark 版本更新 agentic commerce 方案（官方 LinkedIn 帖）。以反欺诈担保为主业，agent 是其中一块。融资、估值、成立年份本次未核实。没查到 agent 订单规模数据。 参考来源：https://www.linkedin.com/posts/signifyd_signifyd-summer-spark-release-activity-7492973225618984960-oS-Y；https://www.linkedin.com/posts/rramanand_signifyd-product-updates-and-innovations-activity-7427087792804986880-wc_x"
  },
  {
   "name": "Skyfire",
   "layer": "g4",
   "url": "https://skyfire.xyz",
   "hq": "San Francisco",
   "founded": 2022,
   "desc": "给 agent 发可验证身份和支付令牌（KYAPay），让商家识别并向 agent 收款",
   "total_raised": "公开累计融资 $9.5M",
   "funding": [
    {
     "date": "2024-08",
     "round": "种子轮（Circle、Ripple、Gemini 等参投）",
     "amount": "$8.5M",
     "src": "https://www.theblock.co/post/322742/coinbase-ventures-and-a16zs-csx-bring-skyfires-total-funding-raised-to-9-5-million"
    },
    {
     "date": "2024-10",
     "round": "战略投资",
     "amount": "$1M",
     "lead": "Coinbase Ventures、a16z CSX",
     "src": "https://www.theblock.co/post/322742/coinbase-ventures-and-a16zs-csx-bring-skyfires-total-funding-raised-to-9-5-million"
    }
   ],
   "key_data": [
    {
     "k": "Visa Intelligent Commerce 沙盒伙伴",
     "v": "是（代 Consumer Reports 下单）",
     "date": "2025-12",
     "src": "https://www.linkedin.com/posts/jack-forestell_visa-and-partnershavecompleted-hundreds-activity-7408934472672432128-Cu0k"
    }
   ],
   "customers": [
    "Consumer Reports"
   ],
   "note": "没有公布交易量、收入或 2025 年后的新融资；Okta Ventures 已投（金额未披露）。KYAPay 已提交 IETF 草案。种子轮领投方报道不一，以「累计 $9.5M」为准。"
  },
  {
   "name": "t54 Labs",
   "layer": "g4",
   "url": "https://www.t54.ai/",
   "hq": "旧金山",
   "founded": 2025,
   "founded_month": "2025-01",
   "desc": "agent 信任层：KYA 身份、实时风控、信用额度；开源 x402-secure",
   "total_raised": "累计融资约 $5M（公司口径）",
   "funding": [
    {
     "date": "2026-02",
     "round": "种子轮",
     "amount": "$5M",
     "lead": "Anagram、PL Capital、Franklin Templeton",
     "src": "https://www.t54.ai/blog/t54-labs-raises-5m-seed-round"
    }
   ],
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "战略投资方：Ripple、Virtuals Ventures、Blockchain Coinvestors、ABCDE。成立月份来自 The Block 报道经 Digital Today 转述（2025 年 1 月）。平台跑在 XRP Ledger、Solana、Base。估值、收入、客户均未公开。"
  },
  {
   "name": "Trulioo Know Your Agent",
   "layer": "g4",
   "url": "https://www.trulioo.com/products/kya-verification",
   "hq": "温哥华",
   "founded": 2025,
   "founded_month": "2025-08",
   "desc": "KYA：核验 agent 开发方，签发 Digital Agent Passport 并持续监控",
   "total_raised": "累计融资未披露",
   "customers": [
    "Worldpay"
   ],
   "product_line_of": "Trulioo",
   "protocols": [
    "AP2"
   ],
   "rail": "混合",
   "note": "founded/fm 填的是 KYA 对外合作发布时间（2025-08 与 Worldpay 合作）；2025-12 加入 Google AP2。产品页还提到 Agent Controls（面向发卡行、收单行）。公司总部城市来自 Finovate 写「加拿大公司」，城市按温哥华填，未在本次来源中逐字核实。成立年份、融资、估值未核实。 参考来源：https://www.worldpay.com/en-CA/press-releases/worldpay-and-trulioo-collaborate-embed-trust-agentic-commerce；https://finovate.com/trulioo-joins-googles-agent-payments-protocol-ap2-to-secure-agent-led-payments/"
  },
  {
   "name": "Visa Intelligent Commerce",
   "layer": "g4",
   "url": "https://corporate.visa.com/en/products/intelligent-commerce.html",
   "hq": "San Francisco",
   "desc": "Visa 的 agent 支付产品线：给 agent 发代币化卡凭证、限额和身份校验",
   "total_raised": null,
   "funding": [],
   "key_data": [
    {
     "k": "已完成的 agent 发起交易",
     "v": "数百笔",
     "date": "2025-12",
     "src": "https://visa.gcs-web.com/node/21961"
    },
    {
     "k": "合作伙伴",
     "v": "100+",
     "date": "2025-12",
     "src": "https://www.linkedin.com/posts/jack-forestell_visa-and-partnershavecompleted-hundreds-activity-7408934472672432128-Cu0k"
    },
    {
     "k": "欧洲上线真实交易的发卡机构",
     "v": "30+",
     "date": "2026-07",
     "src": "https://www.visaeurope.ch/de_CH/uber-visa/newsroom/press-releases.3457336.html"
    }
   ],
   "owner": "Visa 的产品线",
   "product_line_of": "Visa",
   "keyrock_named": true,
   "note": "卡组织只公布「首笔 / 数百笔」级别的数字，没有规模交易量。"
  },
  {
   "name": "Visa Trusted Agent Protocol",
   "layer": "g4",
   "url": "https://developer.visa.com/capabilities/trusted-agent-protocol/overview",
   "hq": "旧金山",
   "founded": 2025,
   "founded_month": "2025-10",
   "desc": "Visa 与 Cloudflare 的 agent 身份验证标准，商户据签名识别获批 agent",
   "key_data": [
    {
     "k": "发布与早期反馈方",
     "v": "与 Cloudflare 共同开发；Adyen、Ant International、Checkout.com、Coinbase、Microsoft、Shopify、Stripe、Worldpay 等提供反馈",
     "date": "2025-10",
     "src": "https://ua.review.visa.com/en_UA/about-visa/newsroom/press-releases/prl-17102025.html"
    },
    {
     "k": "与 Coinbase 合作保证与 x402 互通",
     "v": "Visa 新闻稿提及",
     "date": "2025-10",
     "src": "https://www.visaeurope.ch/de_CH/uber-visa/newsroom/press-releases.3410639.html"
    }
   ],
   "customers": [
    "Cloudflare",
    "Adyen",
    "Coinbase",
    "Microsoft",
    "Shopify",
    "Stripe",
    "Worldpay"
   ],
   "product_line_of": "Visa",
   "public": true,
   "protocols": [
    "Visa TAP",
    "x402"
   ],
   "rail": "卡",
   "note": "分层提醒：TAP 做的是验证“请求方是不是获批 agent”（基于 RFC 9421 消息签名），更接近 g4（授权、身份与风控）而不是 p3 付款协议。Visa 已有 Intelligent Commerce 卡片，TAP 是同一家的另一条线，是否单列请你们定。没查到 TAP 的商户接入数或使用量。"
  },
  {
   "name": "Vouched",
   "layer": "g4",
   "url": "https://www.vouched.id/",
   "hq": "西雅图",
   "desc": "KYA 套件 + KnowThat.ai agent 信誉目录，给 agent 做身份与持续监控",
   "total_raised": "累计融资约 $23M（按两轮相加）",
   "funding": [
    {
     "date": "2025-09",
     "round": "A 轮",
     "amount": "$17M",
     "lead": "Spring Rock Ventures（BHG VC 跟投）",
     "src": "https://www.vouched.id/learn/vouched-announces-17-million-series-a-to-accelerate-expansion-building-on-know-your-agent-kya-suite-success-2"
    },
    {
     "date": "2023",
     "round": "早期轮",
     "amount": "$6.3M",
     "lead": "Spring Rock Ventures、BHG VC",
     "src": "https://www.biometricupdate.com/202509/vouched-raises-17m-to-meet-the-moment-with-ai-agent-verification-kya-tools"
    }
   ],
   "rail": "混合",
   "note": "KnowThat.ai 于 2025-05 上线。成立年份本次没有一手来源核实，所以没填。估值未披露；有第三方博客称 ARR 超 $10M，但不是一手来源，未采用。主业是人和 agent 的身份验证，不直接处理支付。"
  },
  {
   "name": "Agentcard",
   "layer": "k6",
   "url": "https://agentcard.sh",
   "hq": "旧金山",
   "founded": 2026,
   "desc": "给 agent 发一次性 Visa 虚拟卡，另有卡金库替应用代为完成结账",
   "total_raised": "累计融资未披露",
   "key_data": [
    {
     "k": "结账完成率（公司自报）",
     "v": "99%",
     "date": "2026-08",
     "src": "https://www.ycombinator.com/launches/TCO-agentcard-cards-for-ai-agents"
    }
   ],
   "rail": "卡",
   "note": "YC 2026 夏季批，创始人 Karen Serfaty、Felipe Abello。融资只有聚合站 Tracxn 的 $50 万种子轮，未采用。成立月份没查到。没有查到官方客户名单。YC 发布帖 https://www.ycombinator.com/launches/Qx6-agentcard-debit-cards-for-ai-agents"
  },
  {
   "name": "Brex",
   "layer": "k6",
   "url": "https://www.brex.com",
   "hq": "旧金山",
   "founded": 2017,
   "desc": "公司卡可给 agent 发带限额与商户规则的虚拟卡，实时授权拦截超限消费",
   "total_raised": "累计融资未在所查来源中汇总",
   "owner": "2026-04 被 Capital One 收购（$51.5 亿，约 $25.6 亿现金加约 1070 万股），2026-01-22 宣布",
   "note": "没查到专门命名的 agent 产品，agent 用的是普通 Brex 虚拟卡与支出限额。收购宣布稿 https://www.brex.com/journal/brex-and-capital-one-join-forces ，完成公告 https://www.nasdaq.com/articles/capital-one-completes-brex-buyout-boosts-digital-payments-strategy 。agent 数据只见于一条领英帖：Brex 上 agent 交易同比约增 7 倍，发卡给 agent 的公司数约翻倍（https://www.linkedin.com/posts/smarwaha_ai-artificialintelligence-futureofwork-activity-7486102865065762816-EjNq），未找到 Brex 官方原文，所以没放进 data。2022 年那一行是估值而非融资额，仅作线索。"
  },
  {
   "name": "Highnote Agentic Commerce",
   "layer": "k6",
   "url": "https://highnote.com/solutions/agentic-commerce",
   "hq": "旧金山",
   "founded": 2026,
   "founded_month": "2026-05",
   "desc": "基于 Visa Intelligent Commerce，给 AI 付款发令牌化虚拟卡，授权时强制执行支出规则",
   "revenue": {
    "v": "$8100 万",
    "date": "2024-12",
    "kind": "年化总收入，公司自报，Forbes 转述，母公司",
    "src": "https://www.forbes.com/sites/stephenpastis/2025/01/21/fintech-payments-startup-highnote-hits-750-million-plus-valuation/"
   },
   "total_raised": "累计融资超 $1.4 亿（Finovate）",
   "funding": [
    {
     "date": "2025-01",
     "round": "B 轮",
     "amount": "$90M",
     "lead": "Adams Street Partners",
     "post": "投后超 $7.5 亿（Forbes 引知情人士）",
     "src": "https://www.forbes.com/sites/stephenpastis/2025/01/21/fintech-payments-startup-highnote-hits-750-million-plus-valuation/"
    }
   ],
   "product_line_of": "Highnote",
   "rail": "卡",
   "note": "母公司成立于 2020 年（Forbes）。Agentic Commerce 能力 2026-05-26 前后发布（Finovate：https://finovate.com/highnote-teams-up-with-visa-to-launch-agentic-commerce-capabilities/）。首批用例偏 B2B 应付与采购，没有公开客户名单。Visa Intelligent Commerce 不在我们的协议列表里，proto 留空。"
  },
  {
   "name": "Lithic",
   "layer": "k6",
   "url": "https://www.lithic.com",
   "hq": "纽约",
   "founded": 2014,
   "desc": "发卡 API：给开发者发虚拟卡与实体卡，可做 agent 专用受控虚拟卡",
   "valuation": {
    "v": "$800M",
    "date": "2021-07",
    "kind": "报道（Bloomberg，C 轮）",
    "src": "https://www.bloomberg.com/news/articles/2021-07-28/payments-startup-lithic-valued-at-800-million-with-stripes-bet"
   },
   "total_raised": "累计融资约 $110M（Crunchbase 口径）",
   "funding": [
    {
     "date": "2021-05",
     "round": "B 轮",
     "amount": "$43M",
     "lead": "未核实",
     "src": "https://news.crunchbase.com/briefing/briefing-7-29-21/"
    },
    {
     "date": "2021-07",
     "round": "C 轮",
     "amount": "$60M",
     "lead": "Stripes",
     "post": "~$800M",
     "src": "https://www.bloomberg.com/news/articles/2021-07-28/payments-startup-lithic-valued-at-800-million-with-stripes-bet"
    }
   ],
   "key_data": [
    {
     "k": "年处理交易额",
     "v": "超 $10 亿",
     "date": "2026-02",
     "src": "https://www.iheart.com/podcast/1333-not-another-podcast-320880948/episode/building-in-the-unsexy-how-bo-324637616/"
    }
   ],
   "customers": [
    "Mercury",
    "Novo",
    "Parker"
   ],
   "note": "最近一轮仍是 2021 年；由 Privacy.com 转型而来；agent 虚拟卡属开发者生态里的用法（如 sardis-cards 等第三方集成），Lithic 官方有 agentic commerce 相关发言，未见独立 agent 产品线数字"
  },
  {
   "name": "Marqeta MCP Server",
   "layer": "k6",
   "url": "https://www.marqeta.com/platform/mcp-server",
   "hq": "奥克兰",
   "founded": 2025,
   "founded_month": "2025-10",
   "desc": "MCP 服务器让 agent 按需发虚拟卡、设支出与频次限制、发起争议、查交易",
   "key_data": [
    {
     "k": "年支付额（母公司，CEO 口述）",
     "v": "接近 $4000 亿",
     "date": "2025-11",
     "src": "https://fintechtakes.com/p/the-future-of-issuing-with-marqetas-ceo"
    }
   ],
   "product_line_of": "Marqeta",
   "public": true,
   "rail": "卡",
   "note": "产品发布博文 https://www.marqeta.com/blog/bringing-agentic-payments-to-life-with-marqetas-mcp-server （2025-10）。母公司成立于 2010 年（成立年份来自记忆，本次没有找到网页出处）；奥克兰总部同样未在本次来源中核对。没查到 agent 接入商户数或交易笔数。"
  },
  {
   "name": "Mercury Agent Cards",
   "layer": "k6",
   "url": "https://mercury.com",
   "hq": "旧金山",
   "founded": 2026,
   "founded_month": "2026-08",
   "desc": "人工创建、agent 自主使用的虚拟卡，预算、商户、类别由企业设定，agent 无法自行提额",
   "valuation": {
    "v": "$52 亿",
    "date": "2026-05",
    "kind": "D 轮投后估值，媒体报道",
    "src": "https://news.crunchbase.com/venture/fintech-funding-digital-banking-startup-mercury-lands-200m/"
   },
   "revenue": {
    "v": "$6.5 亿",
    "date": "2025-09",
    "kind": "年化收入，公司自报（Q3 末）",
    "src": "https://finance.yahoo.com/news/exclusive-mercury-valued-3-5-124714168.html"
   },
   "key_data": [
    {
     "k": "平台用户（创业者）",
     "v": "30 万+",
     "date": "2026-08",
     "src": "https://www.pymnts.com/dashboard-post/news/artificial-intelligence/2026/ai-agents-just-got-their-own-company-credit-cards/"
    }
   ],
   "product_line_of": "Mercury",
   "rail": "卡",
   "note": "2026-08-11 随 Mercury Spend 发布，新闻稿 https://www.morningstar.com/news/business-wire/20260811063202/mercury-launches-spend-with-agent-cards-and-intelligent-budgets-for-the-ai-era 。官方文档另有 Vault API 可让 agent 取卡号 https://docs.mercury.com/changelog/vault-api-retrieve-agent-card-credentials 。D 轮 $2 亿由 TCV 领投；母公司成立于 2017。估值与收入为母公司数字，不是产品线数字。"
  },
  {
   "name": "Oobit Agent Cards",
   "layer": "k6",
   "url": "https://oobit.com",
   "hq": "新加坡",
   "founded": 2026,
   "founded_month": "2026-04",
   "desc": "用 USDT 余额直接刷 Visa 的 agent 企业卡，一 agent 一卡，按类别与单笔设上限",
   "total_raised": "累计融资未披露（A 轮 $25M 为已知最近一轮）",
   "funding": [
    {
     "date": "2024-02",
     "round": "A 轮",
     "amount": "$25M",
     "lead": "Tether、Anatoly Yakovenko、CMCC Global、468 Capital",
     "src": "https://sg.finance.yahoo.com/news/singapores-oobit-gets-25-mln-140002671.html"
    }
   ],
   "product_line_of": "Oobit",
   "rail": "稳定币",
   "note": "产品发布于 2026-04-30（The Block：https://www.theblock.co/news/business/2026-04-30-tether-oobit-ai-agents-visa-corporate-expense-card-399583），仅限通过 KYB 的首批企业，名单没有公开。母公司 Oobit 成立于 2017 年，2024 年 Reuters 报道时总部为新加坡，2025 年底报道其进入美国市场。估值、收入没查到。"
  },
  {
   "name": "Privacy.com",
   "layer": "k6",
   "url": "https://www.privacy.com/ai",
   "hq": "纽约",
   "founded": 2014,
   "desc": "一次性虚拟卡，提供 CLI 和 MCP，给 AI 智能体设商户锁和限额",
   "valuation": {
    "v": "约 $800M",
    "date": "2021-07",
    "kind": "Lithic C 轮估值，Bloomberg 引知情人士",
    "src": "https://www.bloomberg.com/news/articles/2021-07-28/payments-startup-lithic-valued-at-800-million-with-stripes-bet"
   },
   "total_raised": "母公司 Lithic 累计融资超 $110M（公司口径，Lithic 博客）",
   "funding": [
    {
     "date": "2021-05",
     "round": "B 轮（Lithic）",
     "amount": "$43M",
     "lead": "Bessemer Venture Partners",
     "src": "https://www.businesswire.com/news/home/20210520005197/en/Privacy.com-Announces-%2443M-Series-B-led-by-Bessemer-Venture-Partners-Launches-Card-Issuing-Platform-and-Developer-Tools-as-Lithic"
    },
    {
     "date": "2021-07",
     "round": "C 轮（Lithic）",
     "amount": "$60M",
     "lead": "Stripes",
     "post": "估值约 $800M（据知情人士）",
     "src": "https://www.bloomberg.com/news/articles/2021-07-28/payments-startup-lithic-valued-at-800-million-with-stripes-bet"
    }
   ],
   "key_data": [
    {
     "k": "累计发出虚拟卡号",
     "v": "超过 1,000 万",
     "date": "2022-03",
     "src": "https://www.lithic.com/blog/cfo"
    }
   ],
   "owner": "2021 年起为 Lithic（原名 Privacy.com 母公司）旗下子公司，品牌继续对消费者运营",
   "note": "关系：Privacy.com 2014 年上线；2021-05 公司改名 Lithic，转做卡片发行平台和开发者 API，Privacy.com 作为面向消费者的品牌继续运营（Lithic 博客：https://www.lithic.com/blog/cfo ）。上面的融资和估值都是 Lithic 层面的，不是 Privacy.com 单独数字。Privacy.com 页面还声明没有把 AI 用在用户的卡片数据上（https://www.privacy.com/ai ）。Lithic 自己也主打智能体支付（https://www.lithic.com/grow/agentic-payments ）。Privacy.com 单独的收入、用户数没公开。"
  },
  {
   "name": "Rain",
   "layer": "k6",
   "url": "https://www.rain.xyz",
   "hq": "纽约",
   "founded": 2021,
   "desc": "稳定币发卡平台，Agent Control Layer 在发卡与转账前强制执行 agent 的消费规则",
   "valuation": {
    "v": "$19.5 亿",
    "date": "2026-01",
    "kind": "C 轮投后估值，公司新闻稿",
    "src": "https://lesechos-comfi.lesechos.fr/press-release/rain-etr-rain-raises-250m-series-c-to-scale-stablecoin-powered-payments-infrastructure-for-global-enterprises-fVh48pRGFi7"
   },
   "total_raised": "累计融资超 $3.38 亿（公司口径）",
   "funding": [
    {
     "date": "2026-01",
     "round": "C 轮",
     "amount": "$250M",
     "lead": "ICONIQ",
     "post": "投后 $19.5 亿",
     "src": "https://lesechos-comfi.lesechos.fr/press-release/rain-etr-rain-raises-250m-series-c-to-scale-stablecoin-powered-payments-infrastructure-for-global-enterprises-fVh48pRGFi7"
    }
   ],
   "key_data": [
    {
     "k": "2025 年年化交易额",
     "v": "$20 亿",
     "date": "2025",
     "src": "https://www.forbes.com/companies/rain/?list=fintech50"
    },
    {
     "k": "客户数",
     "v": "166",
     "date": "2025-12",
     "src": "https://www.forbes.com/companies/rain/?list=fintech50"
    }
   ],
   "customers": [
    "Sponge"
   ],
   "rail": "稳定币",
   "note": "Agent Control Layer 2026-06-09 发布（PRNewswire 稿转载于 https://www.advfn.com/stock-market/stock-news/98703255/rain-releases-agent-control-layer-bringing-progra ）。交易所资讯站有「近 200 亿美元估值」的说法，与官方 $19.5 亿不符，疑为数字错位，未采用。收入未公开。主业是通用稳定币发卡，agent 控制层是 2026 年新加的一层。"
  },
  {
   "name": "Ramp Agent Cards",
   "layer": "k6",
   "url": "https://docs.ramp.com/developer-api/v1/agent-cards",
   "hq": "纽约",
   "founded": 2026,
   "founded_month": "2026-03",
   "desc": "为外部 agent 现铸单次使用卡号，限一个商户和金额，受 Ramp 资金池政策约束",
   "valuation": {
    "v": "约 $600 亿",
    "date": "2026-10",
    "kind": "报道的投前估值，Bloomberg 经 Yahoo Finance 转述，约 $18.5 亿新一轮",
    "src": "https://finance.yahoo.com/technology/articles/ramp-reported-60b-round-shows-112220686.html"
   },
   "revenue": {
    "v": "$15 亿+",
    "date": "2026-06",
    "kind": "年化收入，Bloomberg 报道，母公司",
    "src": "https://finance.yahoo.com/technology/articles/ramp-reported-60b-round-shows-112220686.html"
   },
   "key_data": [
    {
     "k": "服务企业数",
     "v": "7 万",
     "date": "2026-06",
     "src": "https://finance.yahoo.com/technology/articles/ramp-reported-60b-round-shows-112220686.html"
    }
   ],
   "customers": [
    "Claude Desktop",
    "ChatGPT",
    "Perplexity"
   ],
   "product_line_of": "Ramp",
   "rail": "卡",
   "note": "官方文档写明卡号 12 小时或首次授权后失效，可经 MCP 连接器或 Ramp CLI 使用（客户栏是支持的 agent 运行时，不是客户）。发布时间 2026-03 来自 BlockBeats 2026-03-11 快讯与 Opus Research 3-20 文章，未找到 Ramp 官方发布日帖。2026-06 融资 $7.5 亿、估值 $440 亿，10 月报道新一轮约 $600 亿，后者未交割确认。估值与收入为母公司数字。"
  },
  {
   "name": "Slash MCP / Twin",
   "layer": "k6",
   "url": "https://www.slash.com/blog/now-live-connect-your-ai-agent-to-slash",
   "hq": "旧金山",
   "founded": 2026,
   "founded_month": "2026-03",
   "desc": "MCP 让 agent 建虚拟卡、付款，所有动资金的动作需人工批准；另有内置 AI 助手 Twin",
   "valuation": {
    "v": "$14 亿",
    "date": "2026-04",
    "kind": "C 轮投后估值，公司新闻稿",
    "src": "https://www.businesswire.com/news/home/20260415566517/en/Slash-Achieves-Unicorn-Status-Following-%24100m-Series-C-Fundraise"
   },
   "revenue": {
    "v": "$2.5 亿+",
    "date": "2025",
    "kind": "年化收入，公司自报（母公司）",
    "src": "https://www.businesswire.com/news/home/20260415566517/en/Slash-Achieves-Unicorn-Status-Following-%24100m-Series-C-Fundraise"
   },
   "total_raised": "累计融资超 $1.6 亿（公司口径）",
   "funding": [
    {
     "date": "2026-04",
     "round": "C 轮",
     "amount": "$100M",
     "lead": "Ribbit Capital（Khosla Ventures、Goodwater 共同领投）",
     "post": "投后 $14 亿",
     "src": "https://www.businesswire.com/news/home/20260415566517/en/Slash-Achieves-Unicorn-Status-Following-%24100m-Series-C-Fundraise"
    }
   ],
   "key_data": [
    {
     "k": "年化支付额",
     "v": "$300 亿+",
     "date": "2026-04",
     "src": "https://thepaypers.com/fintech/news/slash-financial-raises-usd-100-mln-series-c-launches-ai-financial-agent"
    },
    {
     "k": "服务企业数",
     "v": "5000+",
     "date": "2026-04",
     "src": "https://thepaypers.com/fintech/news/slash-financial-raises-usd-100-mln-series-c-launches-ai-financial-agent"
    }
   ],
   "product_line_of": "Slash",
   "rail": "混合",
   "note": "母公司 Slash Financial 成立于 2021 年。MCP 接入 2026-03-10 上线，Twin 助手 2026-04-15 上线。Slash 的 agent 能力偏「你的 agent 管你的公司账户」，不是专门给第三方 agent 发卡，放 k6 稍勉强。"
  },
  {
   "name": "Adyen Agentic",
   "layer": "m7",
   "url": "https://www.adyen.com/en_GB/press-and-media/adyen-agentic",
   "hq": "阿姆斯特丹",
   "founded": 2026,
   "founded_month": "2026-06",
   "desc": "三层 API（Feed、Cart、Payments），企业商家一次接入即可在多个对话式 AI 平台结账",
   "customers": [
    "American Express",
    "Mastercard",
    "Salesforce",
    "Visa",
    "ESW",
    "Scheels",
    "Sézane",
    "SharkNinja",
    "Meta AI checkout（兼容）"
   ],
   "product_line_of": "Adyen",
   "public": true,
   "rail": "混合",
   "note": "2026-06-16 发布，美国企业商家限量开放，之后全球扩展（https://thepaypers.com/payments/news/adyen-launches-adyen-agentic-as-an-integration-layer-for-agentic-commerce ）。首日兼容 Meta 的 AI checkout（https://thefinancialtechnologyreport.com/adyen-launches-agentic-suite-to-connect-enterprise-merchants-with-ai-platforms/ ）。没查到具体支持的协议名单和 agent 交易量。"
  },
  {
   "name": "Affirm Agentic Commerce（AP2 / UCP / Stripe SPT）",
   "layer": "m7",
   "url": "https://investors.affirm.com/news-releases/news-release-details/affirm-extends-collaboration-google-supporter-agent-payments",
   "hq": "旧金山",
   "founded": 2025,
   "founded_month": "2025-10",
   "desc": "先买后付接入 Google AP2、UCP 和 Stripe 令牌，让 agent 结账时可选分期",
   "customers": [
    "Google",
    "Stripe"
   ],
   "product_line_of": "Affirm",
   "public": true,
   "protocols": [
    "AP2",
    "UCP"
   ],
   "rail": "混合",
   "note": "2025-10-09 宣布支持 Google AP2（https://www.nasdaq.com/press-release/affirm-extends-collaboration-google-supporter-agent-payments-protocol-ap2-2025-10-09 ）；2026-03 扩展 Stripe 合作支持 Shared Payment Tokens，每笔交易实时承保（https://thepaypers.com/payments/news/affirm-expands-stripe-collaboration-to-facilitate-agentic-commerce-payments ）；2026-05 先买后付接入 Google Pay。是支付方式提供方，不做独立的 agent 结账产品。没查到 agent 渠道成交量。"
  },
  {
   "name": "AgentBay",
   "layer": "m7",
   "url": "https://nordic9.com/companies/agentbay/",
   "hq": "伦敦",
   "founded": 2026,
   "desc": "面向 ACP 商家的 AI agent 零点击结账，为每次购买生成单次虚拟卡并做风险验证",
   "total_raised": "累计融资未披露",
   "funding": [
    {
     "date": "2026-07",
     "round": "Pre-seed",
     "amount": "未披露",
     "lead": "Moonfire Ventures",
     "src": "https://nordic9.com/news/agentbay-closed-a-pre-seed-funding-round-led/"
    }
   ],
   "protocols": [
    "ACP"
   ],
   "rail": "卡",
   "note": "创始人 Mounir Mouawad、Nipun Jasuja，团队来自 Portia AI；2026-07-21 Nordic9 报道 pre-seed，金额写 N/A，还在找 CTO。产品描述（虚拟卡、购买保护）来自聚合站 Tracxn（https://tracxn.com:443/d/companies/agentbay/__PJiokPaQMj8D5OVYU9oYaf_rKWAryYtr7XjniD-_Llk ），官网没找到。成立年份 2026 同出自 Tracxn。ACP 的主要出口 Instant Checkout 已收缩，其产品是否转向未核。网上还有多个同名 AgentBay 项目（SaaS 交易市场、MCP 市场），与此公司无关。资料很少。"
  },
  {
   "name": "Checkout.com Agentic Commerce",
   "layer": "m7",
   "url": "https://www.checkout.com/fr-fr/newsroom/checkout-com-sallie-a-openai-pour-deployer-acp-et-renforcer-le-commerce-agentique",
   "hq": "伦敦",
   "founded": 2025,
   "founded_month": "2025-11",
   "desc": "采用 OpenAI ACP，让企业商家的卡支付能接入 ChatGPT 等 AI 平台结账",
   "customers": [
    "OpenAI",
    "Visa",
    "Mastercard",
    "Google"
   ],
   "product_line_of": "Checkout.com",
   "protocols": [
    "ACP"
   ],
   "rail": "卡",
   "note": "2025-11-25 宣布采用 ACP，配套已验证接入、身份管理和反欺诈工具（见 url）；一财称其与 OpenAI、Visa、Mastercard、Google 共建 token 化与 AI 认证标准（https://www.yicaiglobal.com/news/checkoutcom-pushes-ai-payment-standards-as-chinese-sellers-expand-overseas ）。Checkout.com 为 2012 年成立的老牌私有支付商，融资、估值本次未核。ACP 的主要出口 Instant Checkout 已于 2026-03 收缩，这条产品线的实际交易量没查到。"
  },
  {
   "name": "Firmly",
   "layer": "m7",
   "url": "https://firmly.ai/",
   "hq": "西雅图",
   "founded": 2020,
   "desc": "Buy Now 与 Firmly Connect：无代码把商家接入各类 agent 和购物渠道，统一协议",
   "total_raised": "累计融资约 $5.2M（截至 2025-03，GeekWire）；A 轮领投方 2026-05 CEO 称已签，金额未披露",
   "funding": [
    {
     "date": "2025-03",
     "round": "累计（至当时）",
     "amount": "$5.2M",
     "src": "https://www.geekwire.com/2025/perplexity-partners-with-seattle-startup-firmly-to-boost-shopping-features-within-ai-search-app/"
    }
   ],
   "key_data": [
    {
     "k": "可连通商户",
     "v": "约 1,100 万商户（CEO 在播客自述）",
     "date": "2026-05",
     "src": "https://podcasts.apple.com/us/podcast/startup-spotlight-kumar-senthil-firmly-ceo-a/id1703919637?i=1000766144122"
    }
   ],
   "customers": [
    "Perplexity",
    "Aurus",
    "Mastercard Start Path"
   ],
   "rail": "卡",
   "note": "成立年份依据 GeekWire「五年前由三位前三星高管创办」推算，月份没查到。投资方包括 FJ Labs、BGV、Ark Invest、Rapid Ventures（来自 CHINAZ 转述 GeekWire 的中文报道，未见英文原文逐一列出）。2025-11-05 发布 Buy Now 平台，2026-03-24 发布 Firmly Connect（https://www.globenewswire.com/fr/news-release/2026/03/24/3261349/0/en/Firmly-Launches-Firmly-Connect-the-First-Agentic-Commerce-Platform-that-Allows-Merchants-to-Directly-Connect-to-Any-Agent-or-Agentic-Marketing-Channel-Without-Deploying-Any-Code.html ）。A 轮正式公告没查到。"
  },
  {
   "name": "Henry Labs",
   "layer": "m7",
   "url": "https://www.henrylabs.ai/",
   "hq": "纽约",
   "founded": 2024,
   "desc": "嵌入式结账 SDK，让 agent 与应用一键下单，并接 Visa 流程",
   "total_raised": "累计融资未披露",
   "customers": [
    "Visa",
    "nekuda",
    "Price.com",
    "Wildfire Systems"
   ],
   "rail": "卡",
   "note": "没找到一手融资公告。PitchBook 聚合页显示 2025 年 Series 1 约 $7M「进行中」，投资方 Chingona Ventures、Cohen Circle、Core Innovation Capital、FGV Capital、Shirlawn Capital，只能当线索，未采用为融资数据（https://pitchbook.com:8443/profiles/company/721423-18 ）。Taisu Ventures 称其为让 agent 代用户一键结账的中间层（https://www.taisu.io/portfolio/henry/ ）。2025-12 与 Visa、nekuda 做出真实用户的 agent 结账（https://www.linkedin.com/posts/barakbr_visa-and-partners-complete-secure-ai-transactions-activity-7407490888228315136-L8Ya ）。注意不要和同名的 Henry AI（商业地产 AI，2026-07 融 $16.5M A 轮）混淆。成立月份没查到。"
  },
  {
   "name": "Klarna Agentic Product Protocol",
   "layer": "m7",
   "url": "https://www.klarna.com/international/press/introducing-klarnas-agentic-product-protocol/",
   "hq": "斯德哥尔摩",
   "founded": 2025,
   "founded_month": "2025-12",
   "desc": "开放商品数据标准供 agent 检索商品，并接入 Google UCP、AP2 与 Stripe 令牌做先买后付",
   "key_data": [
    {
     "k": "Agentic Product Protocol 商品数据",
     "v": "1 亿+ 商品、4 亿价格、12 个市场",
     "date": "2025-12",
     "src": "https://www.klarna.com/international/press/klarna-lanserar-oppen-standard-for-agentisk-ai-handel/"
    }
   ],
   "customers": [
    "Google",
    "Stripe"
   ],
   "product_line_of": "Klarna",
   "public": true,
   "protocols": [
    "AP2",
    "UCP"
   ],
   "rail": "混合",
   "note": "2025-12 发布 Agentic Product Protocol；2026-02-02 加入 Google UCP（https://www.nasdaq.com/press-release/klarna-backs-googles-universal-commerce-protocol-ucp-enable-agentic-commerce-across ）；2026-03 支持 Stripe Shared Payment Tokens（https://www.pymnts.com/digital-payments/2026/klarna-and-stripe-prepare-flexible-payments-for-ai-agents/ ）。2026-05 Klarna 先买后付接入 Google Pay（Search Engine Land）。没查到 agent 渠道的成交量。"
  },
  {
   "name": "PayPal Agentic Commerce Services",
   "layer": "m7",
   "url": "https://newsroom.paypal-corp.com/2025-10-28-PayPal-Launches-Agentic-Commerce-Services-to-Power-AI-Driven-Shopping",
   "desc": "PayPal 的产品线：Agent Ready 让现有商家接 AI 渠道订单，Store Sync 把商品目录给 agent",
   "total_raised": null,
   "funding": [],
   "key_data": [],
   "customers": [
    "Perplexity"
   ],
   "owner": "PayPal 产品线",
   "product_line_of": "PayPal",
   "note": "2025-10-28 发布；Agent Ready 预计 2026 年初上线。另有 Agent Toolkit / 远程 MCP 服务器。PayPal 2026-01 收购 Cymbio 的说法只见于第三方博客，未核实。"
  },
  {
   "name": "Rye",
   "layer": "m7",
   "url": "https://rye.com",
   "hq": "San Francisco",
   "founded": 2021,
   "desc": "通用结账 API：agent 和应用可在任意网店直接下单",
   "total_raised": "累计融资约 $15M–17M",
   "funding": [
    {
     "date": "2022-10",
     "round": "种子轮",
     "amount": "$14M",
     "lead": "a16z crypto",
     "src": "https://dealroom.co/companies/rye/"
    }
   ],
   "key_data": [],
   "customers": [],
   "note": "累计数各聚合站不一致（Caplight $15.17M，StartupHub $17M）。没找到 A 轮。"
  },
  {
   "name": "Salesforce Agentforce Commerce",
   "layer": "m7",
   "url": "https://www.salesforce.com/news/stories/google-universal-commerce-protocol-support-announcement/",
   "hq": "旧金山",
   "founded": 2025,
   "founded_month": "2025-11",
   "desc": "Commerce Cloud 内的购物 agent，并原生支持 UCP，商品与结账接入 ChatGPT、Gemini、AI Mode",
   "customers": [
    "Pandora",
    "Pacsun",
    "Google",
    "OpenAI（ChatGPT）"
   ],
   "product_line_of": "Salesforce",
   "public": true,
   "protocols": [
    "UCP"
   ],
   "rail": "混合",
   "note": "2025-11 发布 Agentforce Commerce（https://www.mi-3.com.au/24-11-2025/salesforce-unveils-agentforce-commerce-navigate-ai-driven-retail-landscape ）；2026-01-13 宣布原生支持 Google UCP（见 url）；2026-07-06 Shopper Agent、Buyer Agent、Merchant Agent 正式可用，对 ChatGPT、Google 搜索和 Gemini 的原生集成称将在随后数月上线（https://www.salesforce.com/ap/news/press-releases/2026/07/06/as-ai-agents-transform-commerce-salesforce-unleashes-its-biggest-agentforce-commerce-release-yet/ ）。商家保持记录商户。没查到 agent 渠道的成交数据。"
  },
  {
   "name": "Shopify Agentic Storefronts",
   "layer": "m7",
   "url": "https://www.shopify.com/news/winter-26-edition-agentic-storefronts",
   "hq": "渥太华",
   "founded": 2025,
   "founded_month": "2025-12",
   "desc": "商家后台一键把商品目录和结账同步到 ChatGPT、Perplexity、Copilot",
   "customers": [
    "ChatGPT",
    "Perplexity",
    "Microsoft Copilot",
    "Google AI Mode（UCP）"
   ],
   "product_line_of": "Shopify",
   "public": true,
   "protocols": [
    "UCP",
    "ACP"
   ],
   "rail": "卡",
   "note": "2025-12-10 随 Winter 26 Edition 发布，商家可分别开关各 AI 平台，下单进入 Shopify 结账并保留归因（https://www.pymnts.com/news/artificial-intelligence/2025/shopify-brings-merchant-catalogs-to-chatgpt-perplexity-and-copilot/ ）。Shopify 是 Google UCP 的共同设计方之一（https://www.digitaltoday.co.kr/en/view/907/google-universal-commerce-protocol-ai-agent-commerce-expansion ），Shopify 目录经 Shopify Catalog 接入 OpenAI ACP（https://www.retail-week.com/technology/chatgpt-rolls-back-instant-checkout-and-launches-visual-shopping-upgrades/7050844.article ）。没查到经 Agentic Storefronts 成交的订单数或金额。"
  },
  {
   "name": "Stripe（Agentic Commerce / ACP）",
   "layer": "m7",
   "url": "https://stripe.com",
   "hq": "San Francisco / Dublin",
   "founded": 2010,
   "desc": "Stripe 的 agent 商务产品线：和 OpenAI 共推 ACP 协议、Agentic Commerce Suite、向 agent 收款",
   "total_raised": null,
   "funding": [],
   "key_data": [
    {
     "k": "结账页升级 WebMCP 的商家",
     "v": "780 万",
     "date": "2026-09",
     "src": "https://x.com/jeff_weinstein/status/2102444357508902978"
    },
    {
     "k": "ACP 协议发布（与 OpenAI）",
     "v": "2025-09-29",
     "date": "2025-09",
     "src": "https://x.com/stripe/status/1972712679128052136"
    },
    {
     "k": "2025 全年支付总额",
     "v": "$1.9 万亿",
     "date": "2026-02",
     "src": "https://stripe.com/newsroom/news/stripe-2025-update"
    }
   ],
   "owner": "Stripe 的产品线（Stripe 另收购 Metronome、Privy、Bridge，并宣布收购 OpenRouter）",
   "product_line_of": "Stripe",
   "keyrock_named": true,
   "note": "Stripe 没有公布 agent 交易额。估值和支付总额是 Stripe 全公司的。ChatGPT Instant Checkout 2026-03 被报道收缩，ACP 协议仍在推进。 卡片上不显示金额：这是母公司整体的数字，不是这条产品线自己的。Stripe 公司估值 $159B（员工股要约）。"
  },
  {
   "name": "Trustap",
   "layer": "m7",
   "url": "https://www.trustap.com/blogs/trustap-raises-10-million-to-become-the-trusted-infrastructure-layer-for-agentic-commerce",
   "hq": "都柏林",
   "founded": 2017,
   "desc": "Trustap Index：把市场与电商商品变成 agent 可发现、可成交的目录，托管式付款",
   "total_raised": "累计融资未披露（$10M 是公司迄今最大一轮）",
   "funding": [
    {
     "date": "2026-06",
     "round": "融资",
     "amount": "$10M",
     "lead": "Aperture Capital",
     "src": "https://www.trustap.com/blogs/trustap-raises-10-million-to-become-the-trusted-infrastructure-layer-for-agentic-commerce"
    }
   ],
   "key_data": [
    {
     "k": "累计处理支付",
     "v": "数亿美元（公司自述）",
     "date": "2026-06",
     "src": "https://www.finsmes.com/2026/06/trustap-raises-10m-in-funding.html"
    }
   ],
   "customers": [
    "TX Ventures（投资方）"
   ],
   "rail": "银行转账",
   "note": "老牌托管支付公司（2017 年成立，Cork 与都柏林办公室，Silicon Republic），2026 年转向 agent 方向。Trustap Index 在 2026-06 时仍是「年内上线、开放候补名单」，上线状态本次没核（https://www.siliconrepublic.com/start-ups/cork-based-trustap-raises-10m-ahead-of-new-product-launch-ai-index-shopping ）。人类逐笔确认后才放款。估值没公开。"
  },
  {
   "name": "Anyway",
   "layer": "n8",
   "url": "https://anyway.sh",
   "hq": "新加坡",
   "desc": "MoR 计费加结果与用量计价，同时给 agent 发钱包按次付费",
   "total_raised": "累计融资约数百万美元（公司口径）",
   "funding": [
    {
     "date": "2026-03",
     "round": "早期（金额未披露）",
     "amount": "数百万美元",
     "lead": "Sky9 Capital",
     "src": "https://anyway.sh/zh/agents"
    }
   ],
   "note": "金额、轮次细节、成立年份、收入、估值都没查到；融资月份取自 PitchBook 聚合页（2026-03），公司官网只写「数百万美元」。业务横跨两块：开发者收款（MoR、订阅、税务）和 agent 钱包按次付费（接近 n8 按次付费网关），放 b9 是因为任务指定，主业归属可再判。"
  },
  {
   "name": "Cloudflare（Pay per Crawl / x402）",
   "layer": "n8",
   "url": "https://blog.cloudflare.com/x402/",
   "hq": "旧金山",
   "founded": 2025,
   "founded_month": "2025-09",
   "desc": "Pay per Crawl 向爬虫按次收费；与 Coinbase 发起 x402 基金会；Monetization Gateway 上线",
   "key_data": [
    {
     "k": "每天向 bot 返回的 HTTP 402",
     "v": "超 10 亿次",
     "date": "2025-09",
     "src": "https://blog.cloudflare.com/de-de/x402/"
    }
   ],
   "customers": [
    "Coinbase",
    "Stripe",
    "AWS",
    "Circle"
   ],
   "product_line_of": "Cloudflare",
   "public": true,
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "founded/fm 填的是 x402 基金会发起时间（2025-09-22）。Pay per Crawl 以 HTTP 402 加 Web Bot Auth 验证爬虫，开放内测。2026-04 x402 基金会并入 Linux Foundation，成员含 Cloudflare、Stripe、AWS、Coinbase、Circle、Solana Foundation 等（incrypted 转述）。2026-07-01 发布 Monetization Gateway，用 x402 以稳定币向访问网页、API、MCP 工具的 agent 收费（thirdweb 博客转述），Cloudflare 官方博客称美国卖家可申请封闭测试。付款方 / 收款方规模未披露。 参考来源：https://developers.cloudflare.com/ai-crawl-control/features/pay-per-crawl/use-pay-per-crawl-as-ai-owner/crawl-pages/index.md；https://incrypted.com/en/coinbases-ai-payments-protocol-has-received-support-from-the-linux-foundation/；https://blog.thirdweb.com/cloudflares-stablecoin-gateway-how-x402-and-ai-agents-are-creating-a-new-payment-layer-for-the-web/"
  },
  {
   "name": "Lava",
   "layer": "n8",
   "url": "https://www.lava.so",
   "hq": "New York",
   "founded": 2025,
   "desc": "给 agent 的统一钱包：充值一次，跨模型、工具和商家按用量扣费",
   "total_raised": "累计融资 $5.8M",
   "funding": [
    {
     "date": "2025-08",
     "round": "种子轮",
     "amount": "$5.8M",
     "lead": "Lerer Hippeau",
     "src": "https://www.gunder.com/en/news-insights/client-news/payment-platform-lava-announces-dollar5m-seed-financing-led-by-lerer-hippeau"
    }
   ],
   "key_data": [],
   "customers": [],
   "note": "总部城市未见一手来源，需再核。"
  },
  {
   "name": "Monid",
   "layer": "n8",
   "url": "https://monid.ai/",
   "hq": "旧金山",
   "founded": 2026,
   "desc": "「agent 工具版 OpenRouter」：一个余额、1700+ 接口，agent 运行时发现并按次付费",
   "total_raised": "累计融资约 $9.8M（媒体报道）",
   "funding": [
    {
     "date": "2026-10",
     "round": "种子轮",
     "amount": "$7.7M",
     "lead": "Long Journey Ventures",
     "src": "https://forkast.news/monids-7-7m-seed-signals-the-first-dedicated-infrastructure-raise-for-agent-commerce/"
    },
    {
     "date": "2026-09",
     "round": "Pre-seed",
     "amount": "$2.1M",
     "lead": "1984 Ventures",
     "src": "https://forkast.news/monids-7-7m-seed-signals-the-first-dedicated-infrastructure-raise-for-agent-commerce/"
    }
   ],
   "key_data": [
    {
     "k": "agent 交易笔数",
     "v": "400 万+（公司自报）",
     "date": "2026-10",
     "src": "https://forkast.news/monids-7-7m-seed-signals-the-first-dedicated-infrastructure-raise-for-agent-commerce/"
    },
    {
     "k": "可调用接口",
     "v": "1700+ 个，来自 55+ 提供方",
     "date": "2026-10",
     "src": "https://forkast.news/monids-7-7m-seed-signals-the-first-dedicated-infrastructure-raise-for-agent-commerce/"
    }
   ],
   "rail": "混合",
   "note": "跟投：Madrona、Essence VC、Pioneer Fund。每次调用约 $0.0013 加 10% 平台费，失败调用不收费；核心引擎 MIT 开源，2026-04 上线。Pre-seed 的投资方「1984 Ventures」为媒体称其为既有投资人，是否为领投未确认。成立月份没查到（聚合站称 2026 年）。LinkedIn 帖称目录后来扩到约 2500 个接口。收入、估值未披露。"
  },
  {
   "name": "Nevermined",
   "layer": "n8",
   "url": "https://nevermined.io/",
   "hq": "楚格",
   "founded": 2022,
   "desc": "AI agent 计量与结算：按次 / 积分收费，经 x402 用稳定币或卡付款",
   "total_raised": "累计融资约 $7M（聚合站估算）",
   "funding": [
    {
     "date": "2025-01",
     "round": "种子轮",
     "amount": "$4M",
     "lead": "Generative Ventures",
     "src": "https://www.cbinsights.com/company/nevermined/financials"
    }
   ],
   "customers": [
    "Exa",
    "Mastercard Start Path"
   ],
   "protocols": [
    "x402",
    "Mastercard Agent Pay"
   ],
   "rail": "混合",
   "note": "成立年份各聚合站不一致：CB Insights 的详情页写 2022，融资页写 2020，取 2022；月份没查到。2026-04 接入 Visa Intelligent Commerce 与 x402 的 agent 卡支付（WorkAtAI 博客转述）；2026-06 为 Mastercard Agent Pay for Machines 合作方之一（投资方 Polymorphic Capital 的 LinkedIn 帖）；2026-09 入选 Mastercard Start Path（CB Insights）。融资数字的一手公告（GlobeNewswire 2025-01-09）本次未直接打开，写的是聚合站数字。估值、收入未披露。"
  },
  {
   "name": "Sapiom",
   "layer": "n8",
   "url": "https://www.sapiom.ai",
   "hq": "San Francisco",
   "founded": 2025,
   "desc": "让 agent 按用量调用付费 API：代管密钥、设消费上限，并做成本路由",
   "valuation": {
    "v": "~$300M",
    "date": "2026-08",
    "kind": "聚合站估算（Caplight / ARR Club，A 轮）",
    "src": "https://www.caplight.com/company/sapiom"
   },
   "total_raised": "累计融资约 $50M",
   "funding": [
    {
     "date": "2026-02",
     "round": "种子轮",
     "amount": "$15.75M",
     "lead": "Accel",
     "src": "https://siliconangle.com/2026/02/06/sapiom-reels-15-75m-equip-ai-agents-payment-features/"
    },
    {
     "date": "2026-08",
     "round": "A 轮",
     "amount": "$35M",
     "lead": "Dragonfly",
     "src": "https://theaiinsider.tech/2026/08/18/sapiom-secures-35m-series-a-to-power-the-next-trillion-ai-agents/"
    }
   ],
   "key_data": [
    {
     "k": "客户数",
     "v": "数千家",
     "date": "2026-08",
     "src": "https://www.semafor.com/article/08/05/2026/startup-sapiom-routes-clients-ai-to-lowest-cost-tokens"
    }
   ],
   "customers": [],
   "note": "Anthropic、Coinbase Ventures、Okta Ventures 投了两轮。成立约 11 个月就到 A 轮。A 轮同时发布 Router / Agent Studio / Runtime，定位从支付扩到 agent 成本控制。未公布估值。"
  },
  {
   "name": "Supertab",
   "layer": "n8",
   "url": "https://www.supertab.co/",
   "hq": "纽约",
   "founded": 2010,
   "desc": "Supertab Connect：识别爬虫和 agent，按 RSL 授权计量收费并聚合结算",
   "total_raised": "累计融资约 $22.6M（聚合站估算）",
   "owner": "前身为 LaterPay（CB Insights 称已更名为 Supertab）",
   "rail": "混合",
   "note": "成立年份和总部来自 CB Insights（聚合站）。支持 RSL 1.0 开放授权标准，兼容 Fastly、Cloudflare、CloudFront 等 CDN。融资数字没找到一手公告。客户名、交易规模、估值未披露。 参考来源：https://www.cbinsights.com/company/laterpay；https://www.supertab.co/about"
  },
  {
   "name": "TollBit",
   "layer": "n8",
   "url": "https://tollbit.com/",
   "hq": "纽约",
   "founded": 2023,
   "desc": "出版商给 AI 爬虫和 agent 设收费闸，按次授权内容并实时结算",
   "total_raised": "累计融资约 $31M（公司口径加总）",
   "funding": [
    {
     "date": "2024-10",
     "round": "A 轮",
     "amount": "$24M",
     "lead": "Lightspeed",
     "src": "https://tollbit.com/blog/series-a/"
    },
    {
     "date": "2024-03",
     "round": "种子轮",
     "amount": "近 $7M",
     "lead": "Sunflower Capital",
     "src": "https://tollbit.com/blog/series-a/"
    }
   ],
   "key_data": [
    {
     "k": "接入出版商",
     "v": "1400+",
     "date": "2025-08",
     "src": "https://podscan.fm/podcasts/this-week-in-startups/episodes/is-chalkai-the-next-databricks-tollbits-bot-paywall-for-ai-agents-e2167"
    }
   ],
   "customers": [
    "Penske Media",
    "TIME",
    "Mumsnet",
    "ADWEEK"
   ],
   "note": "A 轮另有 Section 32、Jeff Dean 等跟投。接入数来自播客节目介绍（CEO 口述）。成立年份来自 PitchBook。总部城市未在本次来源逐字核实，按纽约填。A 轮后没查到新融资；估值、收入未披露。"
  },
  {
   "name": "AEON",
   "layer": "p3",
   "url": "https://aeon.xyz",
   "hq": "香港",
   "desc": "面向 agent 的结算层，并在 BNB Chain 上推出 x402 Facilitator",
   "total_raised": "累计融资 $800 万（种子前轮）",
   "funding": [
    {
     "date": "2026-05",
     "round": "种子前轮",
     "amount": "$800 万",
     "lead": "YZi Labs（原 Binance Labs）",
     "src": "https://www.digitaltoday.co.kr/cn/view/57948/aeon-raises-8-million-in-pre-seed-round-for-ai-agent-payment-settlement-layer"
    }
   ],
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "补充收录：2026-05 同期推出 AI 支付产品与 BNB Chain 上的 x402 Facilitator。融资出处为 digitaltoday 转引 The Block，另有 IDG Capital、HashKey Capital 等跟投。成立年月、官网域名（aeon.xyz 为推测，未核对）、用量均没查到，请复核后再用。"
  },
  {
   "name": "Circle（Nanopayments / Arc）",
   "layer": "p3",
   "url": "https://www.circle.com",
   "desc": "Circle 的产品线：用 USDC 做 agent 微支付，链下签名、在 Arc 链上批量结算",
   "total_raised": null,
   "funding": [],
   "key_data": [
    {
     "k": "最小单笔",
     "v": "$0.000001 USDC",
     "date": "2026-05",
     "src": "https://www.crowdfundinsider.com/?p=278131"
    }
   ],
   "customers": [],
   "owner": "Circle（上市公司）产品线",
   "product_line_of": "Circle",
   "keyrock_named": true,
   "note": "Nanopayments 基于 Circle Gateway 和 x402，2026-05 时还在 Arc 测试网。和已收的 Coinbase x402 是同一阵营。"
  },
  {
   "name": "Coinbase x402",
   "layer": "p3",
   "url": "https://www.x402.org",
   "hq": "San Francisco",
   "desc": "Coinbase 发起的开放协议，用 HTTP 402 让 agent 用稳定币按次付费，无需账号和 key",
   "total_raised": null,
   "funding": [],
   "key_data": [
    {
     "k": "累计交易笔数 / 金额",
     "v": "2.05 亿笔 / $5,300 万",
     "date": "2026-08",
     "src": "https://x.com/CoinbaseDev/status/2093012598073811247"
    },
    {
     "k": "近 30 天交易",
     "v": "7,541 万笔 / $2,424 万",
     "date": "2026-08",
     "src": "https://www.x402.org/"
    },
    {
     "k": "近 30 天「agent」交易（Coinbase 口径）",
     "v": "3,000 万笔+",
     "date": "2026-09",
     "src": "https://x.com/CoinbaseDev/status/2097365568856924666"
    }
   ],
   "owner": "Coinbase 的协议（治理已报道移交 Linux Foundation）",
   "product_line_of": "Coinbase",
   "keyrock_named": true,
   "note": "笔数里有大量刷量和 meme 币铸造；Artemis 的「真实交易」日图 2026-01 起跌到每天 10 万笔以下；Coinbase 自己的几个口径互相对不上。平均每笔约 $0.3。"
  },
  {
   "name": "Corbits（Faremeter）",
   "layer": "p3",
   "url": "https://corbits.dev",
   "hq": "纽约",
   "desc": "开源 Faremeter 框架 + Corbits facilitator，支持 x402 与 MPP，Solana 深度集成",
   "key_data": [
    {
     "k": "Corbits 托管 facilitator 被 SKALE 官方食谱文档收录",
     "v": "facilitator.corbits.dev",
     "date": "2026-10",
     "src": "https://docs.skale.space/cookbook/facilitators/using-corbits"
    }
   ],
   "protocols": [
    "x402",
    "MPP"
   ],
   "rail": "稳定币",
   "note": "融资、估值、收入、成立年月均没查到（找到的只有项目介绍与文档）；Solana Compass 页称其还做 AgentOps 治理平台。资料很少，是否收录请你们判断。"
  },
  {
   "name": "Google AP2",
   "layer": "p3",
   "url": "https://ap2-protocol.org/",
   "hq": "山景城",
   "founded": 2025,
   "desc": "Google 产品线：Agent Payments Protocol，开放协议，用签名授权让 agent 完成支付",
   "total_raised": null,
   "funding": [],
   "key_data": [
    {
     "k": "发布时间",
     "v": "2025 年 9 月 16 日发布，作为 A2A 与 MCP 的扩展",
     "date": "2025-09",
     "src": "https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol"
    },
    {
     "k": "合作方数量",
     "v": "Google 称与 60 多家机构合作，含 Adyen、American Express、Coinbase、Mastercard、PayPal、Salesforce、ServiceNow 等",
     "date": "2025-09",
     "src": "https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol"
    },
    {
     "k": "机制",
     "v": "用 Intent Mandate 与 Cart Mandate 两类加密签名授权，证明用户授权、商户可验真、出错可追责；支持银行卡、稳定币、实时银行转账",
     "date": "2025-09",
     "src": "https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol"
    },
    {
     "k": "开源热度",
     "v": "GitHub 仓库 Apache-2.0 协议，约 3.3k star、519 fork(抓取时数字)",
     "date": "2026-10",
     "src": "https://github.com/google-agentic-commerce/AP2"
    }
   ],
   "owner": "Google 产品线",
   "product_line_of": "Google",
   "keyrock_named": true,
   "note": "和图谱里同组的 Stripe ACP、Coinbase x402 重叠；Google 还联合 Coinbase 等做了 A2A x402 扩展，说明和 x402 是互通而非对立；没公布交易量。"
  },
  {
   "name": "Machine Payments Protocol（MPP）",
   "layer": "p3",
   "url": "https://mpp.dev",
   "hq": "旧金山",
   "founded": 2026,
   "founded_month": "2026-03",
   "desc": "Stripe 与 Tempo 共同撰写的 agent 付款开放标准，支持稳定币、卡等多种方式",
   "key_data": [
    {
     "k": "随 Tempo 主网发布的支付目录",
     "v": "100 多家接入服务商（含 Anthropic、OpenAI、Shopify、Alchemy、Dune）",
     "date": "2026-03",
     "src": "https://www.theblock.co/news/ecosystems/2026-03-18-tempo-mainnet-goes-live-with-machine-payments-protocol-for-agents-394131"
    },
    {
     "k": "Visa 把 MPP 扩展到卡支付，Lightspark 扩展到闪电网络",
     "v": "首批扩展方",
     "date": "2026-03",
     "src": "https://tech.yahoo.com/ai/deals/articles/stripe-backed-tempo-network-launches-164303072.html"
    },
    {
     "k": "Solana Payment Channels 同时支持 x402 与 MPP",
     "v": "见 Solana 条目",
     "date": "2026-09",
     "src": "https://coinmarketcap.com/academy/en/article/solana-payment-channels-1m-payments-per-second"
    }
   ],
   "customers": [
    "Visa",
    "Lightspark",
    "Alchemy",
    "Anthropic",
    "OpenAI",
    "Shopify"
   ],
   "product_line_of": "Stripe",
   "keyrock_named": true,
   "protocols": [
    "MPP"
   ],
   "rail": "混合",
   "note": "协议本身不融资。联合发起方 Tempo 2025-10 募 $5 亿 A 轮、估值 $50 亿（The Block），Tempo 已有卡片，这里不重复。mpp.dev 页面列出可用 MPP 的服务含 Anthropic、OpenAI、Parallel、fal.ai。官网总部取 Stripe 所在地，仅作参考。"
  },
  {
   "name": "Meridian",
   "layer": "p3",
   "url": "https://docs.mrdn.finance",
   "founded": 2025,
   "desc": "基于 Base 的 x402 facilitator，含收款钱包架构与 Circle 纳米支付网关",
   "key_data": [
    {
     "k": "链上结算量（第三方链上统计，仅 Base）",
     "v": "自 2026-01 约 $188 万，累计 83,868 笔",
     "date": "2026-10",
     "src": "https://x402-list.com/facilitators/mrdn"
    }
   ],
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "融资、团队、总部没查到；成立年份只见聚合站写 2025，月份没查到。链上数字来自 x402-list.com 的第三方链上统计，kind 为第三方估算。另发了 MRDN 代币（FDV 数据来自 RootData，不算公司估值）。体量很小，资料少，是否收录请你们判断。"
  },
  {
   "name": "Merit Systems",
   "layer": "p3",
   "url": "https://merit.systems",
   "founded": 2024,
   "desc": "x402 / MPP 协议维护方，做 agent 按次付费的发现与支付",
   "total_raised": "累计融资 $10M（种子轮）",
   "funding": [
    {
     "date": "2025-01",
     "round": "种子轮",
     "amount": "$10M",
     "lead": "a16z crypto、Blockchain Capital",
     "src": "https://www.merit.systems/blog/fundraise"
    }
   ],
   "key_data": [
    {
     "k": "x402 支付笔数",
     "v": "1,350 万笔",
     "date": "2026-07",
     "src": "https://merit.systems/authors/sam-ragsdale"
    }
   ],
   "note": "成立年份取 Gate 资料；1,350 万笔为 Merit 月报对整个 x402 生态的统计，不是 Merit 自己的交易量；创立时做开源贡献者资助，后转向 agent 支付"
  },
  {
   "name": "PayAI",
   "layer": "p3",
   "url": "https://payai.network",
   "founded": 2025,
   "desc": "Solana 优先的多链 x402 facilitator，附 Bazaar 发现和 Echo 测试商户",
   "total_raised": "累计融资约 $500 万（种子轮，聚合站说法）",
   "funding": [
    {
     "date": "2025-05",
     "round": "种子轮",
     "amount": "$500 万",
     "lead": "Borderless Capital",
     "src": "https://vcpedia.com/startups/4622"
    }
   ],
   "key_data": [
    {
     "k": "Blockrun 的 ClawRouter 经 PayAI 在 Solana 结算",
     "v": "63 天 26,860 笔、160 个付款 agent、合计 $1,825",
     "date": "2026-05",
     "src": "https://blog.payai.network/zero-to-27-000-how-clawrouter-settled-1-825-on-solana-in-63-days-with-payai/"
    }
   ],
   "customers": [
    "Blockrun（ClawRouter）"
   ],
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "融资数字仅来自聚合站 VC 百科（kind 即聚合站估算），没找到 Borderless Capital 或 PayAI 公告原文，建议复核。另发了 PAYAI 代币，无估值数字。总部、创始人、成立月份没查到。"
  },
  {
   "name": "thirdweb",
   "layer": "p3",
   "url": "https://portal.thirdweb.com/x402",
   "founded": 2021,
   "desc": "x402 客户端与 facilitator，支持 170+ 条 EVM 链，并提供 agent 付款 MCP",
   "total_raised": "累计融资约 $2900 万（聚合站）",
   "funding": [
    {
     "date": "2021-12",
     "round": "种子轮",
     "amount": "$500 万",
     "lead": "Founders Inc.",
     "src": "https://profiles.crustdata.com/company/thirdweb"
    },
    {
     "date": "2022-08",
     "round": "A 轮",
     "amount": "$2400 万",
     "lead": "Haun Ventures",
     "post": "估值约 $1.6 亿（聚合站）",
     "src": "https://www.openalmanac.org/w/founders-inc/thirdweb"
    }
   ],
   "key_data": [
    {
     "k": "x402 支持范围",
     "v": "170+ 条 EVM 链；提供 fetchWithPayment 的 MCP 服务供 agent 付费调用",
     "date": "2026-10",
     "src": "https://portal.thirdweb.com/x402"
    }
   ],
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "融资全部来自聚合站（Crustdata、OpenAlmanac），没找到 thirdweb 公告原文；2022 年之后没查到新轮次。thirdweb 的主业是 Web3 开发平台，x402 是其中一块产品线，不是专门为 agent 支付成立的公司。收入、x402 用量没查到。总部没核对。"
  },
  {
   "name": "Universal Commerce Protocol（UCP）",
   "layer": "p3",
   "url": "https://ucp.dev",
   "hq": "山景城",
   "founded": 2026,
   "founded_month": "2026-01",
   "desc": "Google 与 Shopify 共同开发的 agent 商品发现到结账开放标准",
   "key_data": [
    {
     "k": "发布与背书方",
     "v": "2026-01-11 NRF 大会发布，Shopify 联合开发；Etsy、Wayfair、Target、Walmart 等参与共同开发，另有 Adyen、Amex、Mastercard、Stripe、Visa 等背书",
     "date": "2026-01",
     "src": "https://ucp.dev"
    },
    {
     "k": "Tech Council 成员",
     "v": "60 多家（Forkast 报道）",
     "date": "2026-07",
     "src": "https://forkast.news/googles-ucp-wants-to-own-the-checkout-layer-for-agent-commerce-and-the-gatekeeping-comes-free/"
    }
   ],
   "customers": [
    "Shopify",
    "Etsy",
    "Wayfair",
    "Target",
    "Walmart",
    "Amazon",
    "Microsoft",
    "Meta"
   ],
   "product_line_of": "Google",
   "protocols": [
    "UCP",
    "AP2"
   ],
   "rail": "混合",
   "note": "分层提醒：UCP 管的是商品目录、购物车、结账、订单，付款授权靠 AP2；更像 m7（商户侧 Agent 结账）而不是 p3 协议 / facilitator。可以留 p3 作“协议”，也可改放 m7。协议无融资数字。总部取 Google 所在地，仅作参考。ucp.dev 的共同开发方清单比早期媒体报道长（含 Amazon、Microsoft、Meta 等），以官网当前为准。"
  },
  {
   "name": "Bridge",
   "layer": "r2",
   "url": "https://www.bridge.xyz",
   "hq": "圣安东尼奥",
   "founded": 2022,
   "desc": "Stripe 旗下稳定币编排与发行层，Stripe 的 agent 稳定币支付栈一环",
   "valuation": {
    "v": "$11 亿（收购价）",
    "date": "2025-02",
    "kind": "被 Stripe 收购成交价，CNBC 报道",
    "src": "https://www.cnbc.com/2025/02/04/stripe-closes-1point1-billion-bridge-deal-prepares-for-stablecoin-push-.html"
   },
   "total_raised": "累计融资约 $58M（媒体报道；另有聚合站写 $48.4M，口径不一）",
   "funding": [
    {
     "date": "2024",
     "round": "A 轮",
     "amount": "$40M",
     "lead": "Sequoia",
     "post": "约 $2 亿估值（聚合站估算）",
     "src": "https://seedtable.com/exits/bridge"
    }
   ],
   "key_data": [
    {
     "k": "Stripe 稳定币栈拆分",
     "v": "Tempo（链）+ Privy（钱包）+ Bridge（编排 / 发行）+ Stripe（出入金、卡、付款）",
     "date": "2026-05",
     "src": "https://www.forrester.com/blogs/stripe-sessions-2026-stripe-is-rearchitecting-payments-for-an-agentic-ai-economy/"
    }
   ],
   "owner": "2025-02-04 被 Stripe 收购（$11 亿，当时 Stripe 最大一笔收购）",
   "product_line_of": "Stripe",
   "keyrock_named": true,
   "rail": "稳定币",
   "note": "Bridge 自己没有单独的 agent 产品页，agent 属性来自它并入 Stripe 的稳定币栈（Forrester 对 Sessions 2026 的分析）。A 轮时间只按聚合站写到年份（2024），本轮未找到一手公告，建议复核。fm 未查到。"
  },
  {
   "name": "BVNK",
   "layer": "r2",
   "url": "https://www.bvnk.com",
   "hq": "伦敦",
   "founded": 2021,
   "desc": "法币与稳定币出入金 / 结算，Mastercard 称其为 Agent Pay for Machines 合作方",
   "valuation": {
    "v": "最高 $18 亿",
    "date": "2026-08",
    "kind": "Mastercard 收购对价（含 $3 亿或有对价），Reuters 与 The Block 均报道",
    "src": "https://www.reuters.com/business/mastercard-buy-stablecoin-infra-firm-bvnk-up-18-billion-2026-03-17/"
   },
   "funding": [
    {
     "date": "2024-12",
     "round": "B 轮",
     "amount": "$50M",
     "lead": "Haun Ventures",
     "post": "约 $7.5 亿（媒体报道；Dealroom 写 $5.5 亿，口径不一）",
     "src": "https://cryptovalleyjournal.com/hot-topics/news/mastercard-closes-bvnk-acquisition-worth-up-to-usd-18-billion/"
    }
   ],
   "key_data": [
    {
     "k": "年处理稳定币支付量（公司自报，2025 年底口径）",
     "v": "约 $300 亿；覆盖 130 多个国家",
     "date": "2025-12",
     "src": "https://cryptovalleyjournal.com/hot-topics/news/mastercard-closes-bvnk-acquisition-worth-up-to-usd-18-billion/"
    }
   ],
   "customers": [
    "Worldpay",
    "Deel",
    "Rapyd",
    "Flywire",
    "dLocal"
   ],
   "owner": "2026-08-03 被 Mastercard 收购完成（最高 $18 亿：$15 亿现金 + $3 亿业绩对价）",
   "product_line_of": "Mastercard",
   "rail": "稳定币",
   "note": "A 轮 $4000 万（2022-05，Tiger Global 领投，估值 $3.4 亿）只见于 CoinMarketCap 投稿文章，未找到一手公告，未写入 funding。收购完成日 2026-08-03 来自 Crypto Valley Journal 引 Mastercard 声明。2025-11 Coinbase 曾谈约 $20 亿收购未成（Dealroom）。BVNK 的 agent 属性来自 Mastercard 6 月发布 Agent Pay for Machines 时列其为合作方（仅 CMC 投稿，未找到 Mastercard 原稿）；自家没有 agent 专门产品页。"
  },
  {
   "name": "deBridge",
   "layer": "r2",
   "url": "https://debridge.com",
   "founded": 2021,
   "desc": "跨链意图执行；开源 deBridge MCP 让 agent 用自然语言跨链兑换、路由",
   "key_data": [
    {
     "k": "推出 deBridge MCP（开源，供 Claude、Cursor 等 agent 调用）",
     "v": "首个开源跨链执行 MCP（公司说法）",
     "date": "2026-02",
     "src": "https://debridge.com/learn/blog/introducing-debridge-mcp-universal-api-for-ai-agents/"
    },
    {
     "k": "TRON 接入 deBridge MCP",
     "v": "供开发者和 AI agent 跨链执行",
     "date": "2026-04",
     "src": "https://debridge.com/case-studies/tron-adds-debridge-mcp/"
    }
   ],
   "customers": [
    "TRON",
    "B.AI"
   ],
   "keyrock_named": true,
   "rail": "稳定币",
   "note": "融资：只见 2021-09 约 $550 万种子轮的说法，出处是交易所资讯站（HTX），按规则未收；累计融资未核实，估值、收入没查到。主业是跨链 / DeFi 交易执行，agent 支付属性偏弱（做的是 agent 的链上交易与路由，不是向商家付款），分层可能更接近“路由”而非“支付”。"
  },
  {
   "name": "Halliday",
   "layer": "r2",
   "url": "https://www.halliday.xyz",
   "hq": "San Francisco",
   "founded": 2022,
   "founded_month": "2022-04",
   "desc": "链上 agent 工作流协议和 Halliday Payments，让 agent 在链上安全付款",
   "total_raised": "累计融资 $26M",
   "funding": [
    {
     "date": "2025-03",
     "round": "A 轮",
     "amount": "$20M",
     "lead": "a16z crypto",
     "src": "https://www.theblock.co/post/346676/a16z-crypto-leads-20-million-series-a-for-workflow-protocol-developer-halliday"
    }
   ],
   "key_data": [],
   "customers": [
    "DeFi Kingdoms",
    "Ava Labs Core Wallet",
    "ApeChain"
   ],
   "note": "偏加密原生，和卡组织路线不同。"
  },
  {
   "name": "LayerZero",
   "layer": "r2",
   "url": "https://layerzero.network",
   "hq": "温哥华",
   "founded": 2021,
   "desc": "全链互操作协议，Value Transfer API 让 agent 在 170+ 链间路由资金",
   "valuation": {
    "v": "$30 亿",
    "date": "2023-04",
    "kind": "B 轮投后估值（The Block）",
    "src": "https://newsletter.theblockcrypto.com/post/224762/layerzero-series-b"
   },
   "total_raised": "A+B 轮共约 $2.55 亿；另 2025-04 a16z 额外 $5500 万买入并锁仓 ZRO 代币",
   "funding": [
    {
     "date": "2022-03",
     "round": "A 轮",
     "amount": "$1.35 亿",
     "lead": "a16z crypto、Sequoia、FTX Ventures 联合领投",
     "post": "投后 $10 亿",
     "src": "https://newsletter.theblockcrypto.com/post/224762/layerzero-series-b"
    },
    {
     "date": "2023-04",
     "round": "B 轮",
     "amount": "$1.2 亿",
     "lead": "无领投方（33 家投资人）",
     "post": "投后 $30 亿",
     "src": "https://newsletter.theblockcrypto.com/post/224762/layerzero-series-b"
    }
   ],
   "key_data": [
    {
     "k": "LayerZero Value Transfer API 被 Starchild 封装成 agent 技能",
     "v": "850+ 代币 / 170+ 条链",
     "date": "2026-07",
     "src": "https://iamstarchild.com/blog/posts/layerzero-on-starchild/index.html"
    },
    {
     "k": "LayerZero Labs 成为 x402 基金会 General 成员",
     "v": "Linux Foundation 成员名单",
     "date": "2026-07",
     "src": "https://fintech.garden/news/2026-07-16-linux-foundation-formally-launches-x402-foundation-as-40-member-coalition-aims-t/"
    }
   ],
   "keyrock_named": true,
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "种子轮 $600 万（2021-09）有多个来源但本轮未找到一手公告，未写入。估值是 2023 年旧数，没查到更新轮；收入没查到。agent 数据只有 Starchild 的博客（第三方，数字为其转述），没查到 LayerZero 自己公布的 agent 用量。"
  },
  {
   "name": "Mural",
   "layer": "r2",
   "url": "https://www.muralpay.com",
   "hq": "纽约",
   "founded": 2022,
   "desc": "合规账户与稳定币 / 法币出入金，给人和 agent 开受额度策略约束的账户",
   "total_raised": "累计融资 $2800 万",
   "funding": [
    {
     "date": "2026-10",
     "round": "A 轮",
     "amount": "$1500 万",
     "lead": "Tether",
     "src": "https://muralpay.com/blog/28-million-raised"
    }
   ],
   "key_data": [
    {
     "k": "自 2025 年推出 API 以来处理支付量",
     "v": "$21 亿，覆盖 128 个国家；2026 年至今接近 2025 全年的 6 倍",
     "date": "2026-10",
     "src": "https://muralpay.com/blog/28-million-raised"
    }
   ],
   "customers": [
    "Deel",
    "Opera",
    "Axexo"
   ],
   "rail": "混合",
   "note": "A 轮跟投：North Island Ventures 及老股东（Valor 报道另提到 Rappi 联合创始人 Sebastián Mejía、Wences Casares）。估值、收入没公开。创始人为前 Palantir 工程师。分层上也可放 w1（给 agent 开受监管账户），暂按你们给的 r2。"
  },
  {
   "name": "Zerohash",
   "layer": "r2",
   "url": "https://zerohash.com",
   "hq": "芝加哥",
   "founded": 2017,
   "desc": "Agentic Finance Suite：给 agent 做 KYA、持币、x402 转账和按用量流式结算",
   "valuation": {
    "v": "在谈 $15 亿以上",
    "date": "2026-05",
    "kind": "CoinDesk 报道，正在融资，未交割",
    "src": "https://www.coindesk.com:443/es/business/2026/05/19/zerohash-pursues-new-funding-at-more-than-usd1-5-billion-valuation-after-mastercard-drops-investment-plans"
   },
   "total_raised": "累计融资未汇总（仅核到 D-2 轮 $1.04 亿）",
   "funding": [
    {
     "date": "2025-09",
     "round": "D-2 轮",
     "amount": "$1.04 亿",
     "lead": "Interactive Brokers、Morgan Stanley",
     "post": "投后 $10 亿",
     "src": "https://www.coindesk.com:443/es/business/2026/05/19/zerohash-pursues-new-funding-at-more-than-usd1-5-billion-valuation-after-mastercard-drops-investment-plans"
    }
   ],
   "key_data": [
    {
     "k": "Agentic Finance Suite 覆盖",
     "v": "40+ 协议和链、100+ 资产、美国 51 个司法辖区",
     "date": "2026-07",
     "src": "https://www.globenewswire.com/fr/news-release/2026/07/30/3335908/0/en/zerohash-Launches-Agentic-Finance-Suite-to-Power-AI-Driven-Money-Movement.html"
    }
   ],
   "customers": [
    "Morgan Stanley",
    "Interactive Brokers",
    "Stripe",
    "BlackRock BUIDL 基金"
   ],
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "2025-10 传出 Mastercard 欲以近 $20 亿收购，Zerohash 未接受；2026 年 5 月 Mastercard 转买 BVNK 后放弃投资（CoinDesk）。目前仍独立。2026-07-30 同时加入 x402 基金会。Agentic Finance Suite 同时含 KYA 与权限委托，也可归 g4 / w1，暂放 r2。收入没公开。"
  },
  {
   "name": "Base",
   "layer": "s0",
   "url": "https://base.org",
   "hq": "旧金山",
   "founded": 2023,
   "desc": "Coinbase 的 L2，x402 agent 微支付目前最大的结算链",
   "key_data": [
    {
     "k": "Base 上 x402 累计支付笔数（Chainalysis）",
     "v": "超 1.38 亿笔，其中 87% 单笔在 0.01 美分到 10 美分之间",
     "date": "2026-10",
     "src": "https://www.paymentsjournal.com/agentic-commerce-transactions-on-x402-protocol-are-picking-up/amp/"
    },
    {
     "k": "Agent 钱包首次充值后 30 天内再充值比例",
     "v": "从 70.6% 升至 89.3%（2025Q3 → 2026Q2 首充钱包）",
     "date": "2026-10",
     "src": "https://coinmarketcap.com/community/articles/6acfd895c487575c4ddfa56f/"
    }
   ],
   "customers": [
    "Coinbase x402",
    "Bankr",
    "Base MCP"
   ],
   "product_line_of": "Coinbase",
   "keyrock_named": true,
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "Base 本身无融资、无估值（Coinbase 内部产品）。成立年份按 Base 主网公开上线（2023 年）写，本轮未找到一手页面核对月份，fm 省略。x402 份额口径不一：Push Chain 博客称 Base 约占 x402 量的 85-90%，但另有第三方（Artemis 数据，经 SolanaFloor 转引，来源为交易所资讯站，未收）称 2026-08 末一周 Solana 笔数反超 Base；TRM Labs 估计真正由 agent 发起的只占 0.6%-7.5%（二手转引，未找到 TRM 原文）。"
  },
  {
   "name": "Kite AI",
   "layer": "s0",
   "url": "https://gokite.ai",
   "hq": "San Francisco",
   "founded": 2022,
   "founded_month": "2022-02",
   "desc": "给 agent 支付做的 L1 区块链：agent 身份护照 + 稳定币结算 + agent 应用商店",
   "total_raised": "累计融资 $33M",
   "funding": [
    {
     "date": "2025-09",
     "round": "A 轮",
     "amount": "$18M",
     "lead": "PayPal Ventures、General Catalyst",
     "src": "https://newsroom.paypal-corp.com/2025-09-02-Kite-Raises-18M-in-Series-A-Funding-To-Enforce-Trust-in-the-Agentic-Web"
    }
   ],
   "key_data": [],
   "customers": [
    "PayPal",
    "Shopify"
   ],
   "note": "前身 Zettablock。客户栏是合作方（经 PayPal / Shopify 让商家被 agent 发现），不是付费客户。未披露估值。"
  },
  {
   "name": "Lightspark",
   "layer": "s0",
   "url": "https://www.lightspark.com",
   "hq": "洛杉矶",
   "founded": 2022,
   "desc": "Grid 账户支持 agent 受限委托收付，并给 MPP 加了闪电网络支付方式",
   "total_raised": "A 轮 $175M（仅核到这一轮）",
   "funding": [
    {
     "date": "2022-05",
     "round": "A 轮",
     "amount": "$175M",
     "lead": "a16z crypto、Coatue 等（Forge 列：a16z crypto、Coatue、Felix、Matrix、Paradigm、Ribbit、Thrive、Zeev）",
     "post": "投后 $848.77M（二级市场平台 Forge Global 数据，聚合站估算）",
     "src": "https://forgeglobal.com/lightspark_stock/"
    }
   ],
   "key_data": [
    {
     "k": "Agent API：agent 凭策略权限创建入金、动用客户内部账户",
     "v": "Grid API 已有 /agents/me 系列接口文档",
     "date": "2026-10",
     "src": "https://docs.lightspark.com/api-reference/agent-operations/create-an-agent-deposit"
    },
    {
     "k": "为 Tempo × Stripe 的 MPP 扩展比特币闪电网络支付",
     "v": "MPP 上线首批合作方之一",
     "date": "2026-03",
     "src": "https://tech.yahoo.com/ai/deals/articles/stripe-backed-tempo-network-launches-164303072.html"
    }
   ],
   "protocols": [
    "MPP"
   ],
   "rail": "混合",
   "note": "2026-04-28 发布 Grid Global Accounts（品牌美元账户 + agent 受限委托），出处为 Bitcoin Magazine 转引，未找到 Lightspark 公告原文，所以只引了官方文档。2023 年另有 B 轮的说法本轮未核实，累计融资不写总数。估值为 2022 年旧数，收入没查到。founded 2022（Forge 页 + 多源一致），月份未核。"
  },
  {
   "name": "NEAR",
   "layer": "s0",
   "url": "https://near.org",
   "founded": 2020,
   "desc": "NEAR Intents 给 x402 agent 跨链兑付，NEAR AI 做 agent 私密推理",
   "key_data": [
    {
     "k": "NEAR Intents × x402 官方示例：agent 付 Base USDC，自动经 Intents 换成 NEAR USDC",
     "v": "已有开源示例 PR",
     "date": "2026-10",
     "src": "https://github.com/x402-foundation/x402/pull/123"
    },
    {
     "k": "NEAR Foundation 加入 x402 基金会（General 成员）",
     "v": "Linux Foundation 公告成员名单",
     "date": "2026-07",
     "src": "https://fintech.garden/news/2026-07-16-linux-foundation-formally-launches-x402-foundation-as-40-member-coalition-aims-t/"
    }
   ],
   "keyrock_named": true,
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "NEAR 对 agent 支付的定位是跨链兑付 + 钱包 + 私密推理，不是单独的支付协议。Intents 累计量（$300 亿等）、MPP 经 Intents 结算等说法只见于交易所资讯站，未收。基金会无融资数字、无估值；成立月份、总部本轮未核对。"
  },
  {
   "name": "Solana",
   "layer": "s0",
   "url": "https://solana.com/x402",
   "hq": "瑞士楚格（Solana Foundation）",
   "founded": 2020,
   "desc": "Solana 基金会推 x402 与 MPP 支付通道，主打 agent 高频小额结算",
   "key_data": [
    {
     "k": "Solana 稳定币流通量",
     "v": "超 $150 亿",
     "date": "2026-08",
     "src": "https://solana.com/el/news/webinar-recap-agentic-payments"
    },
    {
     "k": "Payment Channels 测试吞吐（10 万钱包）",
     "v": "超 100 万笔/秒；Alibaba Cloud 为首个合作方",
     "date": "2026-09",
     "src": "https://coinmarketcap.com/academy/en/article/solana-payment-channels-1m-payments-per-second"
    },
    {
     "k": "与 Google Cloud 推出按用量付费产品 Pay.sh",
     "v": "基于 x402",
     "date": "2026-05",
     "src": "https://coinmarketcap.com/community/articles/69fa315180bb044b85ad18bc/"
    }
   ],
   "customers": [
    "Google Cloud（Pay.sh）",
    "Alibaba Cloud（Payment Channels）",
    "Coinbase（联合办 agentic payments 网络研讨会）"
   ],
   "keyrock_named": true,
   "protocols": [
    "x402",
    "MPP"
   ],
   "rail": "稳定币",
   "note": "Solana Foundation 是 x402 基金会 Premier 成员（Linux Foundation 公告，2026-07-14）。Solana 区块链主网 2020 年上线；Foundation 注册地、成立月份本轮未核对，fm 省略，hq 取自常识未核。Solana 在 x402 笔数上的份额各家统计口径差异大（有称反超 Base、有称约 6% 到 38% 间波动），都来自交易所资讯站转引，未收录具体份额。基金会不融资、无估值。"
  },
  {
   "name": "Stellar",
   "layer": "s0",
   "url": "https://stellar.org/blog/foundation-news/x402-on-stellar",
   "hq": "旧金山",
   "founded": 2014,
   "desc": "Stellar 上跑 x402：用 Soroban 授权，agent 以 USDC 按次付费",
   "key_data": [
    {
     "k": "x402 on Stellar 上线说明（含 OpenZeppelin Relayer x402 facilitator，主网/测试网均可用）",
     "v": "官方文档",
     "date": "2026-10",
     "src": "https://developers.stellar.org/docs/build/agentic-payments/x402"
    },
    {
     "k": "Stellar 发展基金会成为 x402 基金会 Premier 成员",
     "v": "与 Coinbase、Circle、Visa、Google、Stripe 等同级",
     "date": "2026-07",
     "src": "https://fintech.garden/news/2026-07-16-linux-foundation-formally-launches-x402-foundation-as-40-member-coalition-aims-t/"
    }
   ],
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "网络 2014 年上线、SDF 为非营利基金会，年份与总部取自常识，本轮未逐条核对。没查到 Stellar 上 x402 的交易笔数 / 金额数字。非营利，无融资、无估值。"
  },
  {
   "name": "Tempo",
   "layer": "s0",
   "url": "https://tempo.xyz",
   "founded": 2025,
   "desc": "Stripe 与 Paradigm 孵化的支付区块链，配套机器支付协议 MPP 给 agent 付款",
   "valuation": {
    "v": "~$5B",
    "date": "2025-10",
    "kind": "报道",
    "src": "https://www.theblock.co/post/375152/stripe-tempo-500-million-series-a-thrive"
   },
   "total_raised": "累计融资 $500M",
   "funding": [
    {
     "date": "2025-10",
     "round": "A 轮",
     "amount": "$500M",
     "lead": "Thrive Capital、Greenoaks",
     "post": "~$5B",
     "src": "https://www.theblock.co/post/375152/stripe-tempo-500-million-series-a-thrive"
    }
   ],
   "key_data": [
    {
     "k": "主网上线时接入的服务数",
     "v": "100+",
     "date": "2026-03",
     "src": "https://www.theblock.co/post/394131/tempo-mainnet-goes-live-with-machine-payments-protocol-for-agents"
    }
   ],
   "customers": [],
   "owner": "Stripe 与 Paradigm 孵化（未参与 A 轮）",
   "keyrock_named": true,
   "note": "主网和 MPP 于 2026-03-18 上线；MPP 由 Stripe 共同起草，Visa 扩到卡、Lightspark 扩到闪电网络。接入数另有「50+」说法。"
  },
  {
   "name": "Tether",
   "layer": "s0",
   "url": "https://tether.io",
   "founded": 2014,
   "desc": "USDT 发行方，领投 Mural、持股 Oobit，押注 agent 用稳定币付款",
   "key_data": [
    {
     "k": "领投 Mural 的 A 轮（Mural 称用于 agentic finance）",
     "v": "$1500 万",
     "date": "2026-10",
     "src": "https://muralpay.com/blog/28-million-raised"
    },
    {
     "k": "Tether 支持的钱包公司 Oobit 推出 Agent Cards：agent 直接花 USDT，经 Visa 受理",
     "v": "每个 agent 一张卡，带单笔 / 商户 / 类别限额",
     "date": "2026-05",
     "src": "https://www.digitaltoday.co.kr/en/view/52565/oobit-launches-visa-corporate-card-for-ai-agents-using-usdt"
    }
   ],
   "customers": [
    "Mural（领投）",
    "Oobit（投资）",
    "Plasma、Stable（Tether / Bitfinex 系公链，Tether CEO 为 Plasma 投资人及 Stable 顾问）"
   ],
   "rail": "稳定币",
   "note": "私有公司，按要求 plat、pub 不写。没有融资 / 估值 / 收入字段（发行方自身）。2014 年成立（Realcoin）取自常识，本轮未核。Tether 自己没发 agent 专门产品，动作都是投资与链上结算支持。x402 里 USDC 占绝大多数（二手转引 99%+），USDT 份额很低，没找到一手数字。"
  },
  {
   "name": "Alchemy（Agent Wallets / AgentCard）",
   "layer": "w1",
   "url": "https://www.alchemy.com",
   "hq": "旧金山",
   "founded": 2017,
   "desc": "区块链开发平台 Alchemy 的 agent 产品：agent 钱包、x402 自助付费、AgentCard 虚拟卡",
   "total_raised": null,
   "funding": [],
   "key_data": [
    {
     "k": "AgentCard 接入 Visa Intelligent Commerce",
     "v": "agent 拿 Visa 令牌付款，每张卡配专属邮箱和电话号",
     "date": "2026-06",
     "src": "https://www.coindesk.com/business/2026/06/18/alchemy-s-ai-driven-identity-and-payment-service-gains-access-to-visa-network"
    },
    {
     "k": "agent 用 x402 自助买算力和链上数据",
     "v": "USDC on Base，最低 $1 起充",
     "date": "2026-02",
     "src": "https://www.alchemy.com/zh-Hant/blog/ai-agents-can-now-sign-up-for-alchemy"
    },
    {
     "k": "CLI 内置 agent 钱包",
     "v": "限时、限权的委托签名，agent 不接触私钥",
     "date": "2026-05",
     "src": "https://www.alchemy.com/zh-Hans/blog/how-to-build-onchain-agents"
    }
   ],
   "product_line_of": "Alchemy",
   "note": "上 Brex 2026 秋季增速榜（第 21 名，榜上唯一的区块链公司）。Alchemy 母公司 2022 年估值 $10.2B，这里只写给 agent 的这条产品线。别和 Alchemy Pay 混淆。"
  },
  {
   "name": "Catena",
   "layer": "w1",
   "url": "https://catenalabs.com",
   "hq": "Boston",
   "founded": 2022,
   "founded_month": "2022-10",
   "desc": "Circle 联创 Sean Neville 创办，给 agent 开受监管的账户、额度和合规策略，要做「agent 的银行」",
   "total_raised": "累计融资约 $48M",
   "funding": [
    {
     "date": "2025",
     "round": "种子轮",
     "amount": "$18M",
     "lead": "a16z crypto",
     "src": "https://fortune.com/2026/05/20/catena-labs-series-a-sean-neville-ai-native-bank/"
    },
    {
     "date": "2026-05",
     "round": "A 轮",
     "amount": "$30M",
     "lead": "Acrew Capital、a16z crypto",
     "src": "https://fortune.com/2026/05/20/catena-labs-series-a-sean-neville-ai-native-bank/"
    }
   ],
   "key_data": [
    {
     "k": "OCC 全国信托银行牌照申请",
     "v": "已获受理",
     "date": "2026-05",
     "src": "https://www.pymnts.com/artificial-intelligence-2/2026/circle-co-founder-raises-30-million-for-agentic-driven-finance/"
    }
   ],
   "note": "公司全名 Catena Labs，与文章「成为 Agent 的银行」的描述一致。A 轮估值未披露。支付层 ACK-Pay 支持卡、ACH、电汇、稳定币和 x402。"
  },
  {
   "name": "Coinbase Agentic Wallets（AgentKit）",
   "layer": "w1",
   "url": "https://docs.cdp.coinbase.com/agentic-wallet/welcome",
   "founded": 2026,
   "founded_month": "2026-02",
   "desc": "给 AI agent 开链上钱包，可设额度与权限，经 x402 在 Base 上自主付款、交易",
   "key_data": [
    {
     "k": "x402 累计交易笔数",
     "v": "5000 万+",
     "date": "2026-02",
     "src": "https://www.theblock.co/news/business/2026-02-11-coinbase-rolls-out-ai-tool-to-give-any-agent-a-wallet-389524"
    },
    {
     "k": "x402 累计交易 / 金额 / 活跃 agent（第三方报告转述 Coinbase）",
     "v": "1.65 亿笔 / 约 $5000 万 / 约 6.9 万个",
     "date": "2026-04",
     "src": "https://vaaya.ai/reports/financial-infrastructure-for-ai-agents-2026.pdf"
    }
   ],
   "product_line_of": "Coinbase",
   "public": true,
   "keyrock_named": true,
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "AgentKit 2024-11 发布，Agentic Wallets 2026-02-11 发布。总部：Coinbase 为远程优先，没有单一总部城市，hq 省略。产品线本身没有单独的融资、估值、收入数字。"
  },
  {
   "name": "Crossmint",
   "layer": "w1",
   "url": "https://www.crossmint.com",
   "hq": "New York",
   "founded": 2022,
   "founded_month": "2022-02",
   "desc": "钱包、虚拟卡和稳定币支付一套 API，让 agent 能持币、刷卡、在链上和卡网络付款",
   "total_raised": "累计融资约 $23.6M+",
   "funding": [
    {
     "date": "2025-03",
     "round": "A 轮",
     "amount": "$23.6M",
     "lead": "Ribbit Capital",
     "src": "https://www.theblock.co/post/346863/ribbit-capital-leads-23-6-million-funding-round-for-enterprise-blockchain-platform-crossmint"
    }
   ],
   "key_data": [
    {
     "k": "使用的公司和开发者",
     "v": "4 万+",
     "date": "2025-03",
     "src": "https://www.theblock.co/post/346863/ribbit-capital-leads-23-6-million-funding-round-for-enterprise-blockchain-platform-crossmint"
    },
    {
     "k": "订阅收入同比",
     "v": "+1,100%",
     "date": "2025-03",
     "src": "https://www.theblock.co/post/346863/ribbit-capital-leads-23-6-million-funding-round-for-enterprise-blockchain-platform-crossmint"
    },
    {
     "k": "支持链数",
     "v": "40+",
     "date": "2025-03",
     "src": "https://www.theblock.co/post/346863/ribbit-capital-leads-23-6-million-funding-round-for-enterprise-blockchain-platform-crossmint"
    }
   ],
   "customers": [
    "Adidas",
    "Red Bull"
   ],
   "note": "2026-09 入选 Mastercard Start Path 首期 Agentic Commerce 计划（加速器，非股权融资）；agent 支付产品 lobster.cash 接入 Mastercard Agent Pay。公司没有公布 agent 交易量。"
  },
  {
   "name": "Fireblocks",
   "layer": "w1",
   "url": "https://www.fireblocks.com/products/agentic-payments",
   "founded": 2018,
   "desc": "Agentic Payments Suite：给 agent 的 MPC 钱包与委托权限，加托管的 x402 facilitator",
   "valuation": {
    "v": "$8B",
    "date": "2022-01",
    "kind": "E 轮投后估值，Globes 转述",
    "src": "https://en.globes.co.il/en/article-fireblocks-acquires-israeli-crypto-wallet-co-dynamic-1001524452"
   },
   "total_raised": "累计融资未在所查来源中汇总（最近一轮为 2022-01 的 E 轮）",
   "funding": [
    {
     "date": "2022-01",
     "round": "E 轮",
     "amount": "$550M",
     "post": "投后 $8B",
     "src": "https://en.globes.co.il/en/article-fireblocks-acquires-israeli-crypto-wallet-co-dynamic-1001524452"
    }
   ],
   "key_data": [
    {
     "k": "累计处理数字资产交易额",
     "v": "$14 万亿",
     "date": "2026-05",
     "src": "https://news.paymentrisk.org/fireblocks-introduces-agentic-payments-suite-to-facilitate-stablecoin-transactions/"
    },
    {
     "k": "支持区块链数",
     "v": "150+",
     "date": "2026-05",
     "src": "https://www.fireblocks.com/products/agentic-payments"
    }
   ],
   "protocols": [
    "x402"
   ],
   "rail": "稳定币",
   "note": "2026-05-19 发布 Agentic Payments Suite 并加入 x402 Foundation（https://www.digitaltoday.co.kr/en/view/57445/fireblocks-launches-ai-agent-payment-support-joins-x402-foundation）。2025-10 收购 Dynamic（约 $90M）。总部：创始团队以色列背景，纽约运营，来源未明确写出，hq 省略。产品同时覆盖商户收款（facilitator）和 agent 钱包，主层放 w1，也部分属 p3。"
  },
  {
   "name": "MoonPay",
   "layer": "w1",
   "url": "https://www.moonpay.com/newsroom/moonpay-agents",
   "founded": 2019,
   "desc": "MoonPay Agents（CLI 非托管钱包、法币入金）与开源的 Open Wallet Standard",
   "valuation": {
    "v": "$50 亿",
    "date": "2026-02",
    "kind": "媒体报道：ICE 在谈、拟按此估值融资，未交割",
    "src": "https://cointelegraph.com/news/moonpay-launches-agents-giving-ai-systems-wallets-and-onchain-cash-flow"
   },
   "key_data": [
    {
     "k": "Open Wallet Standard 贡献机构",
     "v": "15+ 家",
     "date": "2026-03",
     "src": "https://www.moonpay.com/newsroom/open-wallet-standard"
    }
   ],
   "customers": [
    "PayPal",
    "OKX",
    "Ripple",
    "Solana Foundation",
    "Ethereum Foundation",
    "Base",
    "Polygon",
    "LayerZero"
   ],
   "keyrock_named": true,
   "protocols": [
    "x402",
    "MPP"
   ],
   "rail": "稳定币",
   "note": "MoonPay Agents 2026-02-24 发布，Ledger 硬件签名 2026-03 接入，Open Wallet Standard 2026-03-23 发布（客户栏为 OWS 贡献方，不是付费客户）。融资历史与收入这轮没有查到一手来源。hq 与成立月份没核实，省略。"
  },
  {
   "name": "Natural",
   "layer": "w1",
   "url": "https://www.natural.com",
   "hq": "San Francisco",
   "founded": 2025,
   "desc": "给 agent 的支付全栈：让 agent 持有真钱、收付款，银行与稳定币混合结算",
   "valuation": {
    "v": "$150M",
    "date": "2026-05",
    "kind": "投后（Axios 报道融资在谈时的估值，A 轮 2026-07 宣布）",
    "src": "https://www.axios.com/pro/fintech-deals/2026/05/05/natural-ai-agent-payments-series-a"
   },
   "total_raised": "股权融资累计 $40M+（另有最多 $100M 信贷额度）",
   "funding": [
    {
     "date": "2025",
     "round": "种子轮",
     "amount": "$10M",
     "src": "https://www.fintechfutures.com/venture-capital-funding/natural-100m-credit-facility-upper90"
    },
    {
     "date": "2026-07",
     "round": "A 轮",
     "amount": "$30M",
     "lead": "Forerunner",
     "src": "https://www.natural.com/blog/natural-series-a"
    },
    {
     "date": "2026-08",
     "round": "信贷额度",
     "amount": "最多 $100M",
     "lead": "Upper90",
     "src": "https://www.fintechfutures.com/venture-capital-funding/natural-100m-credit-facility-upper90"
    }
   ],
   "key_data": [],
   "note": "A 轮距上线仅 193 天。投资方含 Brex、Mercury、Privy、Vercel、Notion 等。没有公布交易量或收入。"
  },
  {
   "name": "Naïve",
   "layer": "w1",
   "url": "https://www.usenaive.ai",
   "hq": "帕洛阿尔托",
   "founded": 2025,
   "desc": "一个 API 让 agent 注册公司、开虚拟卡、收付款，带预算与审批的治理层",
   "revenue": {
    "v": "低两位数百万美元",
    "date": "2026-08",
    "kind": "年化收入，公司自报，半年增长约 10 倍",
    "src": "https://siliconangle.com/2026/08/06/naive-bags-28-5m-funding-automate-creation-day-day-running-almost-business/"
   },
   "total_raised": "累计融资约 $30.5M–32M（各报道口径不一）",
   "funding": [
    {
     "date": "2026-08",
     "round": "A 轮",
     "amount": "$28.5M",
     "lead": "Nexus Venture Partners",
     "src": "https://techcrunch.com/2026/08/06/naive-raises-28-5m-to-automate-the-grunt-work-of-setting-up-and-running-a-company/"
    }
   ],
   "key_data": [
    {
     "k": "开发者客户数",
     "v": "3 万+",
     "date": "2026-08",
     "src": "https://techcrunch.com/2026/08/06/naive-raises-28-5m-to-automate-the-grunt-work-of-setting-up-and-running-a-company/"
    }
   ],
   "rail": "卡",
   "note": "YC 2025 春季批，创始人 Sean Dorje、Dennis Zax。官网域名 usenaive.ai 未打开核对。成立月份没查到。主业是「agent 开公司并运营」的整套运行时，支付只是其中一块（虚拟卡、Stripe 对接），放 w1 有点勉强，也可考虑放 a5。"
  },
  {
   "name": "Nekuda",
   "layer": "w1",
   "url": "https://nekuda.ai",
   "hq": "New York",
   "founded": 2024,
   "desc": "agent 支付基础设施：agent 钱包、SDK，记录用户授权 agent 买什么",
   "total_raised": "累计融资 $5M",
   "funding": [
    {
     "date": "2025-05",
     "round": "种子轮",
     "amount": "$5M",
     "lead": "Madrona（Amex Ventures、Visa Ventures 跟投）",
     "src": "https://www.businesswire.com/news/home/20250514808097/en"
    }
   ],
   "key_data": [],
   "customers": [],
   "note": "计划接入 Visa Intelligent Commerce。总部城市未见一手来源。"
  },
  {
   "name": "Openfort",
   "layer": "w1",
   "url": "https://www.openfort.io",
   "hq": "旧金山",
   "founded": 2022,
   "desc": "后端钱包（TEE 托管密钥）供 agent 签名，已有 x402 与 MPP 接入范例",
   "total_raised": "累计融资约 $3M（聚合站估算）",
   "funding": [
    {
     "date": "2023-05",
     "round": "种子轮（聚合站）",
     "amount": "$3M",
     "lead": "gCC、Maven 11（聚合站）",
     "src": "https://tracxn.com/d/companies/openfort/__thpECPgl1B9ibqQAi-yOZMavYxiEwAxotHhP5P5gPNs"
    }
   ],
   "protocols": [
    "x402",
    "MPP"
   ],
   "rail": "稳定币",
   "note": "没找到一手融资公告，只有 Tracxn、CB Insights 的 $3M 种子轮。协议支持有官方文档出处：MPP 范例 https://documentation.openfort.io/docs/recipes/mpp ，x402 签名器见 SKALE 文档 https://docs.skale.space/cookbook/agents/openfort-backend-wallet 。最初定位是链游钱包。"
  },
  {
   "name": "Payman",
   "layer": "w1",
   "url": "https://paymanai.com",
   "founded": 2024,
   "founded_month": "2024-04",
   "desc": "让 AI agent 收付款的平台，2026 年转向社区银行",
   "total_raised": "累计融资约 $12.6M–$14M",
   "funding": [],
   "key_data": [
    {
     "k": "累计融资（聚合站）",
     "v": "$12.57M",
     "date": "2026",
     "src": "https://www.cbinsights.com/company/payman-ai"
    }
   ],
   "customers": [],
   "note": "累计融资只有聚合站数字（CB Insights $12.57M；Caplight 写 $28.8M 含一笔 2026-05 轮，未核实）。投资方含 Visa、Coinbase Ventures。2026-05 入选 ICBA ThinkTECH 加速器（VentureBeat 报道）。"
  },
  {
   "name": "Privy",
   "layer": "w1",
   "url": "https://privy.io",
   "hq": "纽约",
   "founded": 2021,
   "desc": "嵌入式钱包与签名 API，给应用和 agent 一键开链上钱包",
   "valuation": {
    "v": "$230M",
    "date": "2025-03",
    "kind": "报道（PitchBook 数据，被收购前最近估值）",
    "src": "https://www.nasdaq.com/articles/stripe-acquires-startup-privy-expand-bitcoin-strategy"
   },
   "total_raised": "累计融资超 $40M",
   "funding": [
    {
     "date": "2022",
     "round": "种子轮",
     "amount": "$8.3M",
     "lead": "Sequoia Capital、BlueYard",
     "src": "https://www.theblock.co/post/347110/privy-raises-15-million-usd-round-led-by-ribbit-capital-investment-in-web3-wallet-infrastructure-heats-up"
    },
    {
     "date": "2023",
     "round": "A 轮",
     "amount": "$18M",
     "lead": "Paradigm",
     "src": "https://www.theblock.co/post/347110/privy-raises-15-million-usd-round-led-by-ribbit-capital-investment-in-web3-wallet-infrastructure-heats-up"
    },
    {
     "date": "2025-03",
     "round": "追加融资",
     "amount": "$15M",
     "lead": "Ribbit Capital",
     "src": "https://finance.yahoo.com/news/exclusive-crypto-wallet-infrastructure-company-133000630.html"
    }
   ],
   "key_data": [
    {
     "k": "账户数 / 开发团队",
     "v": "7,500 万+ 账户，1,000+ 团队",
     "date": "2025-06",
     "src": "https://www.siliconrepublic.com/business/stripe-privy-acquisition-crypto-wallet-infrastructure"
    }
   ],
   "customers": [
    "OpenSea",
    "Hyperliquid",
    "Farcaster",
    "Toku",
    "Blackbird"
   ],
   "owner": "被 Stripe 收购，2025-06-11，金额未公布",
   "note": "收购后作为独立产品继续运营"
  },
  {
   "name": "Safe",
   "layer": "w1",
   "url": "https://safe.global",
   "founded": 2018,
   "desc": "智能账户 / 多签，文档提供 agent 账户、额度、人工审批的搭建方式，agent 在 Gnosis 链上自动化",
   "revenue": {
    "v": "$10M+",
    "date": "2025",
    "kind": "年化收入，聚合站转述 Safe 联创 Lukas Schor，非一手",
    "src": "https://rigorrank.com/profiles/SAFE"
   },
   "total_raised": "累计融资约 $100M（聚合站，PitchBook）",
   "funding": [
    {
     "date": "2022-07",
     "round": "A 轮",
     "amount": "$100M",
     "lead": "1kx（据聚合站）",
     "src": "https://pitchbook.com/profiles/company/471207-70"
    }
   ],
   "key_data": [
    {
     "k": "2025 年处理交易额",
     "v": "$6000 亿",
     "date": "2025",
     "src": "https://rigorrank.com/profiles/SAFE"
    },
    {
     "k": "2025 年新增智能账户",
     "v": "1830 万",
     "date": "2025",
     "src": "https://rigorrank.com/profiles/SAFE"
    }
   ],
   "keyrock_named": true,
   "rail": "稳定币",
   "note": "没查到 Safe 官方披露的「agent 交易占比」。查到的只有 2024 年交易所资讯站转述 Olas 自主服务在 Gnosis 链 Safe 交易中占约 18%，来源不合规，未采用。收入与交易额来自聚合站转述，没找到一手原文。总部城市来源互相矛盾（CB Insights 写直布罗陀，运营主体为 Safe Ecosystem Foundation），hq 省略。Safe 的主业是通用智能账户，agent 是其中一条用法，没有单独的 agent 产品名。"
  },
  {
   "name": "Sponge",
   "layer": "w1",
   "url": "https://www.paysponge.com",
   "hq": "旧金山",
   "founded": 2026,
   "desc": "给 agent 银行账户、卡和加密钱包，并让商家上传 API 规格后直接向 agent 收费",
   "total_raised": "累计融资未披露",
   "customers": [
    "Rain（发卡合作方）"
   ],
   "rail": "混合",
   "note": "补充公司。YC 公司页 https://www.ycombinator.com/companies/sponge ，发布帖 https://www.ycombinator.com/launches/PTD-sponge-financial-infrastructure-for-the-agent-economy 。YC 批次来源写法不一（Winter 2026），融资只有聚合站 Tracxn 的 $50 万，未采用。Rain 官方稿称 Sponge 通过 Rain 发稳定币余额支持的虚拟 Visa 卡（https://thepaypers.com/crypto-web3-and-cbdc/news/rain-launches-agent-control-layer-for-agentic-payments）。Sponge Gateway 部分属 n8（按次付费网关）。"
  },
  {
   "name": "Turnkey",
   "layer": "w1",
   "url": "https://www.turnkey.com",
   "hq": "纽约",
   "founded": 2022,
   "desc": "钱包与密钥基础设施：非托管钱包、策略签名，可让 agent 受限地签交易",
   "total_raised": "累计融资超 $65M（公司口径）",
   "funding": [
    {
     "date": "2024-04",
     "round": "A 轮",
     "amount": "$15M",
     "lead": "未核实",
     "src": "https://sacra.com/c/turnkey/"
    },
    {
     "date": "2025-06",
     "round": "B 轮",
     "amount": "$30M",
     "lead": "报道不一（Sequoia / Bain Capital Crypto）",
     "src": "https://sacra.com/c/turnkey/"
    },
    {
     "date": "2026-05",
     "round": "战略投资",
     "amount": "$12.5M",
     "lead": "Archetype、Circle Ventures",
     "src": "https://www.turnkey.com/blog/turnkey-strategic-investment-crypto-verifiable-compute"
    }
   ],
   "key_data": [],
   "customers": [
    "Flutterwave",
    "World App（Tools for Humanity）",
    "Polymarket",
    "Anchorage Digital"
   ],
   "note": "B 轮领投方两个来源说法不同，未写死；成立年份取 PitchBook / Gate 的 2022；2026 年新一轮资金主要用于 Verifiable Cloud"
  }
 ]
}