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Laso Finance is a payment API that lets AI agents spend cryptocurrency. Using the x402 protocol, agents can programmatically order USA and international prepaid cards, gift cards, and send USD/EUR/GBP to debit cards with USDC on Base or Solana. Agents can also open real banking rails for their account: a US bank account that converts incoming dollars into USDC, and payouts that send USDC back out as dollars to someone’s bank account. An agent drives the whole setup itself, including reading back its own routing and account numbers and sending a bank payment over x402. The only step reserved for a human is identity verification. And with a Laso-managed wallet, an agent can settle x402 challenges anywhere on the open web, not only on Laso’s own endpoints. No signup or subscription. Agents pay per request with crypto, and the x402 protocol settles the payment and proves which wallet paid in a single handshake. Endpoints that read an agent’s own data use a short-lived bearer token the agent mints for free; see authentication.

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The vocabulary

These five words appear throughout the docs and always mean the same thing.
  • Wallet — the agent’s key. It signs to prove who the agent is, and it holds the crypto the agent spends. Either the agent brings its own self-custody wallet, or Laso holds one for it (a Laso-managed wallet).
  • Balance — the USDC the wallet can spend, held on Base or Solana. This is the only money in the system, and every price in these docs is USDC quoted in dollars.
  • Pay-per-call — how Laso charges. There is no signup and no plan. The agent calls an endpoint, the endpoint answers 402 Payment Required with a price, the agent pays that price in USDC, and the call goes through. That handshake is the x402 protocol, and the agent’s x402 client performs it automatically.
  • Credentials — the id_token and refresh_token returned by /auth. The id_token is a bearer token for the endpoints that read the agent’s own data, such as /get-card-data. It expires after about an hour, and the refresh_token buys a new one for free. See authentication.
  • Card — a prepaid card spent at a merchant. The USA and international cards are non-reloadable: each is loaded once with a fixed amount out of the balance. The reloadable card draws on the account holder’s balance with the card issuer and can be topped up and spent again. A payout is the other direction: USDC leaves the balance and arrives as dollars on someone’s debit card or in their bank account.
Laso settles in USDC on Base and Solana, but the agent never has to think in tokens. Amounts are requested in dollars, cards are denominated in dollars, and payouts arrive in dollars. The chain is the plumbing.

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What it takes to start

Fund the wallet with at least $5 in USDC and the agent can order its first card. Nothing else is required up front, and there is nothing to cancel later.

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Next

Give your agent spending power

Set up a wallet, fund it, authenticate, and order the first card.