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Creating the wallet is the easy part. The part that actually kills conversion: getting money out of the bank an onchain (without getting mogged by fees), paying gas, and finishing one real transaction.

@GetOnramper says up to half of fiat-to-crypto swaps still fail after KYC. who already said yes and then bounced.

1Shot teamed up with @circle to fix this.
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Arc just cut the cost of bringing USDC in. Standard CCTP transfers of USDC to and from Arc are now free (gas still applies), and Fast Transfers in are 75% off.

The 1Shot wallet has Circle CCTP built in, so your users move USDC to Arc without leaving your app. No bridge UI.
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Replying to @1shotapi
How the wallet handles crosschain USDC: 1shotapi.com/docs
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Wallets with budgets... 🤔
Circle CEO Jeremy Allaire: over 99% of agent payments on x402 already settle in $USDC.

Nearly 2,800 endpoints are listed in Circle's Agent Marketplace.

He's building the stack so AI agents can get paid, pay others, and carry identity with them. Wallets with budgets, discovery, ons of a cent.

By Q1 2027, he says an agent built on Arc can be found, hired, paid and trusted for the work it does.

"The defaults for how agents act in the economy are being set right now, and we intend to be the default."

FT @circle @jerallaire
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EIP-7710 is an excellent base for an authority system for financial agents

Agents get scoped delegations rather than full control of your funds
Settlement is converging fast. Circle says 99%+ of x402 agent payments settle in USDC.

So the open question in agent payments isn't the rail. It's authority: who lets the agent spend, how much, and with which sellers.

That's the layer I'm watching next.
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Try a stablecoin wallet with no seed phrase.

Create a 1Shot wallet with Face ID, Touch ID or your device PIN, then add USDC with Circle Onramp.

This is what your users see when you embed it.
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Smart accounts are more important than ever, and the next wave is ones users never notice, created with a passkey inside the app with no seed phrase or gas token.
One new Safe every 3.4 seconds.

→ 2.32M new Safes in Q3
→ 65.7M Safe smart accounts in total
→ $44.75B moved through them, up 14%
→ $57.64B held

Full Q3 report ↓
safefoundation.org/reports/q3-2026
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Optionality to pay with anything only matters if the user already has a wallet.

The 1Shot embedded passkey wallet lets you ensure every user has one.
Relay is live on Elysium.

Apps building on @Enter_Elysium can accept payment from every supported chain, in whatever a user holds, and settle into HYPE, USDC or any supported Elysium asset.
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1Shot wallet was built for USDC:

1. Agents can integrate it into a site by themselves with no need to wait for a dev account or API key.
2. Built-in onramping to USDC from Circle
3. Agents can spend from user accounts using non-custodial delegations
Over 99% of x402 agent payments settle in USDC, with nearly 2,800 endpoints listed in Circle's Agent Marketplace.

In our Q3 earnings livestream, @jerallaire shared how Circle is building infrastructure for the agentic economy.
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Nothing to sign up for. Just embed it.

No developer account. No API key. No per-MAU bill. No onramp business account.

Your users get passkey sign-in, gas paid in stablecoins, Circle Onramp with no fees, and CCTP to the chain you need.
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Replying to @1shotapi
Start here: 1shotapi.com
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Set it up once. USDC arrives on schedule.

With Circle Onramp in the 1Shot wallet, users connect a bank and pick a recurring deposit. USDC lands 1-to-1 in a wallet they own, with no action after setup.

Free to embed. No onramp business account or KYB of your own.
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Replying to @1shotapi
Recurring deposits docs: 1shotapi.com/docs/embedded-…
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But you can vibe code WITH @USDC
You can't vibe code @USDC
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x402 made it easy for agents to pay. The debate now is spending control.

With 1Shot delegated wallets, the user approves a capped USDC budget once. The agent can hand sub-agents smaller slices, never bigger ones, and never gets the keys. Revoke any time.
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Replying to @1shotapi
How ERC-7710/7715 delegations give an agent bounded, revocable authority: 1shotapi.com/docs
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Straight up the easiest (also free) way to get mainstream agents (like Muse, Dot, Claude, etc) in a state where they can leverage x402 resources:

1. Have your agent embed 1Shot wallet in a webpage for you, open it up and use the @circle onramp to get some USDC on @arc.
2. Generate an ERC20 Periodic budget delegation from your Arc USDC balance and paste that into your agent context
3. Agent pulls in USDC funds when it needs them and uses those funds to call x402 endpoints.
B.AI describes five underlying components that together form its framework for the agent economy, and each one answers a different problem.

The x402 payment protocol solves payment friction. Agents can settle high frequency micro deductions in the background raditional account. The 8004 identity protocol solves trust between machines by issuing verifiable on chain identities and accumulating traceable credit evaluations. The Agent Wallet solves fund management, giving each agent its own digital treasury to receive, store and settle assets.

The MCP Server handles communication, translating on chain code into language that large models can understand and act on. Skills cover execution, as modular packages that let agents carry out tasks such as DeFi interactions and on chain tracking.

Demand is already visible. The report cites Chainalysis data that, as of September, AI agent payments on Base through x402 passed 138 million transactions, and 87% of individual amounts were under 10 cents, mostly for model inference, data APIs and code audits.

The five pieces map to payment, identity, funds, communication and execution, and connect upward to B.AI's multi model scheduling. That covers an agent's full path from thinking to acting to settling.

@justinsuntron @BAI_AGI #TRONEcoStar
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One of the things that has to happen before agents move money is they have to get the money first.

1Shot wallet is designed to be shared between an agent and their owner.

1. Human onramps into USDC on @arc w/ zero fee
2. Human hands a delegation to the agent
3. Agent runs gas abstracted transactions against 1Shots permissionless relayer fully autonomously.
Everyone's asking which rail wins agentic payments: stablecoins or cards.

Wrong question.

When an agent pays, moving the money is the easy part. The hard part is everything that has to happen before it moves. 🧵
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