Digital money and assets with XMTP

XMTP supports native integration of digital currencies and assets.

Users can send tokens securely in conversations, agents can manage transactions, and services can embed payments. As an open protocol, XMTP makes it straightforward to integrate digital assets into messaging experiences.

Key Takeaways

  • Seamless payments: Request, send and receive digital money directly in conversations without leaving your messaging app, group chat, or DMs
  • Secure by default: All payment messages benefit from XMTP's end-to-end encryption and MLS security standards
  • Agent-powered commerce: Enable AI agents to autonomously manage transactions and payments on behalf of users. Check out examples of agents innovating with payments on XMTP.
  • Open and composable: Integrate with any payment protocol, identity, or blockchain.

Messaging unlocks new possibilities for digital money

Messaging drives money because communication drives trust. Value follows trust.

XMTP's secure and decentralized messaging protocol creates natural contexts for payments, whether it’s sending money instantly to anyone, anywhere in the world, compensating creators for their time, or letting AI agents handle complex transactions on your behalf. By embedding digital currencies directly into conversations, XMTP eliminates the friction between communication and commerce.

XMTP is secure messaging with a native, global financial rail.

Here's how different platforms are leveraging XMTP to reimagine payments in messaging:

Peer-to-peer payments

Partner spotlight: World

Send money as easily as sending a message. XMTP enables direct peer-to-peer payments within conversations, making digital currency transfers feel native to the messaging experience.

With World integration, users can send payments to verified humans using World ID, ensuring secure, spam-free transactions between real people. No need to switch apps or copy wallet addresses—just chat and pay.

Key features

  • Pay anyone, anywhere in the world, without limits. The native USDC stablecoin integration allows anyone to pay anyone, anywhere, any amount. Try that on any other app.
  • Request, Send and receive directly in chat threads
  • Request group payments and see who’s paid and who hasn’t within the group
  • Powers payments for mini-app developers, letting users pay for items directly in apps with no platform take-rate.
  • Verify recipients with World ID proof of human
  • Transaction history embedded in conversational context
  • Works across any XMTP-enabled app

Agentic and programmatic payments

Partner spotlight: Base

The future of commerce is autonomous. XMTP enables AI agents to execute transactions, manage funds, and facilitate payments on behalf of users, all within secure, encrypted conversations.

On the Base App, agents can handle everything from subscription management to complex multi-party settlements. Users simply chat with their agent, and payments happen automatically.

Key features

  • AI agents that execute payments autonomously
  • Multi-agent coordination for complex financial workflows
  • Secure agent-to-agent communication and settlement
  • Smart automation of recurring payments and subscriptions

New business models for the attention economy

Beyond simple payments, XMTP enables entirely new economic models that put creators and users in control.

By making messaging programmable and natively connected to payment-rails, XMTP allows anyone to monetize their time, attention, and expertise. Users and creators can opt-in and set their own terms for access, communities can gate conversations based on membership, and professionals can ensure only serious inquiries reach their inbox. These aren't just spam filters—they're economic mechanisms that align incentives, reward valuable interactions, and create sustainable income streams for those who generate value through communication. The end users.

Pay-to-own

Partner spotlight: Zora

Transform your inbox into a valuable asset. With coin-gated messaging, creators and professionals can require payment or token ownership before accepting new conversations.

Pay-to-own allows people who pay for messaging to sell their ownership in the future and recoup the current value. This fundamentally changes the attention model from pay-to-reach (money gone forever) to pay-to-own (if someone’s attention becomes more valuable, you can get some or all of your money back if you ever want to sell your access and ownership).

Key features

  • Create revenue for creators to monetize their messaging
  • Set payment requirements to accept new messages
  • Gate conversations based on token ownership
  • Protect your time from spam and unwanted outreach
  • Create exclusive messaging channels for token holders
  • Automatic verification through on-chain credentials

Conversations drive commerce

XMTP transforms messaging into a complete financial platform. By combining end-to-end encryption, support for any chain, and open standards, XMTP makes it simple to build payment experiences that feel natural and work everywhere. Whether you're enabling peer-to-peer transfers, charging for people to reach you, creating token-gated communities, or building the next generation of mini-apps and AI commerce agents, XMTP provides the secure messaging foundation that makes digital money truly useful. As an open protocol, XMTP ensures these innovations work across any app, any identity, and any chain.

When you combine digital money with secure, programmable group chats, you unlock a surface area for developers that can facilitate peer-to-peer payments, agentic commerce, and new business models that weren't previously possible.

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