> ## Documentation Index
> Fetch the complete documentation index at: https://docs.privy.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Spend from an agent wallet

> Let agents pay for APIs with x402 and MPP, send stablecoins, pay out to bank accounts, and spend with cards

An agent spends from the same stablecoin balance across every rail. The wallet's [policies](https://docs.privy.io/agent-wallets/control) apply to each one.

## Agent payments

[x402](https://x402.org) and [MPP](https://mpp.dev) are HTTP-native payment protocols. When a resource requires payment, the server responds with `402 Payment Required`. Privy's clients sign a payment with the agent's wallet and retry the request automatically.

This lets agents pay per request for APIs, data feeds, and content, with no checkout flow and no API keys.

> [card] [x402](https://docs.privy.io/recipes/agent-integrations/x402.md)
>
> Pay with `useX402Fetch` in React or `createX402Client` in Node.js.

> [card] [MPP](https://docs.privy.io/recipes/agent-integrations/mpp.md)
>
> Pay with the `mppx` client and a Privy-backed account.

## Cards

For merchants that don't accept stablecoins, your app can issue Visa debit cards that spend just-in-time from the wallet's stablecoin balance. Funds are never preloaded onto the card. Each purchase pulls stablecoins from the wallet at authorization.

Card issuing is powered by [Bridge](https://bridge.xyz) and [Stripe Issuing](https://docs.stripe.com/issuing/bridge-stablecoin-cards). Prebuilt components cover cardholder onboarding, KYC, disclosures, and card management in React and React Native.

> [card] [Cards overview](https://docs.privy.io/financial-flows/cards/overview.md)
>
> Compare prebuilt components and the API integration.

> [card] [Prebuilt components](https://docs.privy.io/financial-flows/cards/pre-built-components/overview.md)
>
> Embed card onboarding and management UI.

## Send stablecoins

Agents can send stablecoins to other agents, merchants, or wallets onchain, on any chain the wallet supports.

> [card] [Wallet actions](https://docs.privy.io/wallets/actions/overview.md#available-actions)
>
> See the actions Privy wallets support for moving stablecoins.

## Bank payouts

Agents can pay out to bank accounts over ACH, same-day ACH, wire, SEPA, and more. Privy sends the stablecoins onchain and [Bridge](https://bridge.xyz) settles the fiat to the destination account, all as one [wallet action](https://docs.privy.io/wallets/actions/overview.md).

Register destination bank accounts ahead of time so the agent can only pay out to approved accounts.

> [card] [Fiat payouts](https://docs.privy.io/financial-flows/transfers/fiat-payouts/overview.md)
>
> Convert stablecoins to fiat and settle to a bank account.

> [card] [Register a bank account](https://docs.privy.io/financial-flows/transfers/fiat-payouts/register-bank-account.md)
>
> Save the bank accounts a payout can settle to.