Lobster.cash Agent Card
Crossmint
Lobster.cash is an open payment standard for AI agents, built by Crossmint and powered by Solana, with partners such as Circle, Visa, Mastercard, Basis Theory and Stytch. It lets an agent obtain virtual cards (usable at any checkout that accepts credit cards), a bank-like account and stablecoin management. It announced the integration of Mastercard Agent Pay and the Verifiable Intent framework, which produces cryptographic, tamper-resistant records of the user's authorization for each transaction. It provides payment infrastructure across agent platforms such as OpenClaw, Claude Code, Devin, Hermes and Zo Computer. It is a B2B/developer service that moves and settles funds (account and cards), so it holds funds in transit.
Data & conditions
| Service type | Stablecoin infrastructure |
|---|---|
| Pricing model | Not disclosed |
| Card networks | Visa, Mastercard |
| Card types | virtual |
| Stablecoins | USDC |
| Customer type | Developers, Platforms, Fintech |
| Fund custody | Custodial (platform holds funds) |
| KYC | Light |
| Supported countries | US, EEA, APAC |
| Segment | B2B |
| MiCA / License status | Not disclosed |
Strengths
- Built by Crossmint with top-tier partners (Visa, Mastercard, Circle, Solana)
- Mastercard Agent Pay and Verifiable Intent integration (cryptographic proof of consent)
- Virtual cards usable at any card-accepting checkout
- Already integrated across several agent platforms (OpenClaw, Claude Code, Devin, Hermes)
- Light KYC: minimal identity verification.
Weaknesses
- Not accessible to end consumers: developer/agent infrastructure
- No publicly known payment license of its own (relies on partners)
- Very recent category (agentic payments), maturity still consolidating
- Pricing not publicly detailed
- Custodial: the platform holds your funds and can freeze or lose them.
Verdict
Score 3.6/5, solid profile. In its favour: built by Crossmint with top-tier partners (Visa, Mastercard, Circle, Solana). The trade-off to weigh: not accessible to end consumers: developer/agent infrastructure.
On the Sovereignty lens the score is 1.9/5 (weak): the strength is censorship resistance (3.0/5), while fund control (0.0/5) is the weak link.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Who is behind Lobster.cash?
It is built by Crossmint and powered by Solana, with partners including Visa, Mastercard, Circle, Basis Theory and Stytch.
Can an individual use it?
No: it is payment infrastructure aimed at developers and AI agents, not a consumer app.
Sources
- Official service page Partner Data verified on Jul 17, 2026
- crossmint.com Data verified on Jul 17, 2026
- theblock.co Data verified on Jul 17, 2026