Exodus introduced XO Cash, a stablecoin designed to act as the default currency for autonomous AI agents executing automated payments on users' behalf.

Payments and custody model

Agents receive funds from an intermediary wallet funded through Exodus Pay, while the account holder retains custodial control over their private keys.

When interacting with standard Visa merchants, the system converts XO Cash into USDC or USDT at checkout using virtual debit cards, enabling payments through existing merchant rails.

Controls and limits

Each agent wallet can include programmable spend rules, enabling administrators to restrict operation according to predefined policies and risk tolerances.

• Daily spending caps can be applied to limit aggregate outflows for an agent.
• Per-transaction ceilings prevent single purchases from exceeding a configured threshold.
• Allowlists of merchants restrict transactions to approved vendors only.

A software development kit is available for integrators; documentation was published one day before the public announcement to assist developers with integration.

Infrastructure and fees

Monavate and MoonPay supply the payment infrastructure for card conversion and on-ramps, with MoonPay also participating as a co-developer of the stablecoin.

Exodus states that intra-network transfers are fee-free, while conversions and settlements that rely on partner rails follow the respective providers' processes.

Operational safeguards

Users keep custody of their private keys while agents operate under constrained permissions, preventing direct key access by third-party autonomous programs.