Trove vs Stripe

Which Payment API for AI Agents?

Stripe is great for human payments. Trove is purpose-built for AI agents. See how they compare on the features that matter for agent payments.

Feature Stripe Trove
Programmable agent wallets
Per-agent budget enforcement Partial
Spending rules (what agents can buy)
Real-time cost analytics per agent Manual
Agent isolation (one agent = one account)
Agent-to-agent transactions
3-line wallet creation
Protocol agnostic (ACP, x402, TAP) ACP only
Self-host option
Transparent per-transaction pricing Partial

Create an agent wallet

stripe-agents.js
// Stripe: 50+ lines to set up agent payments const stripe = require('stripe')('sk_live_...'); // Step 1: Create Stripe account for each agent const accounts = [];
for (const agent of agents) {
  const account = await stripe.accounts.create({
    type: 'express',
    country: 'US',
    email: agent.email
  });
  accounts.push(account);
} // Step 2: Create API keys per agent const apiKeys = {};
for (const acct of accounts) {
  const key = await stripe.registrationLinks.create({
    account: acct.id,
    refresh_url: 'https://...',
    return_url: 'https://...'
  });
} // Step 3: Set up webhooks for each agent const webhooks = {};
for (const acct of accounts) {
  await stripe.webhookEndpoints.create({
    url: `https://api.yoursite.com/${acct.id}`,
    enabled_events: ['payment_intent.succeeded']
  });
} // Step 4: Configure spending limits (requires // custom logic or Stripe Atlas add-on) // Step 5: Create payment intents // Step 6: Handle 3DS verification // Step 7: Set up accounting integration // Step 8: Configure payout schedules module.exports = { accounts, apiKeys };
trove-agents.js
// Trove: 3 lines to create an agent wallet import { Trove } from '@trove/sdk'; const wallet = await Trove.createWallet({   agent: 'research-bot', // Agent name   budget: 50.00, // Monthly budget   rules: ['api-only', 'max-$5/txn'] }); // Agent can now purchase autonomously await wallet.purchase('openai/gpt-4', {   quantity: 1000 }); // Real-time spend tracking built-in wallet.on('spend', (tx) => log(tx));
Why Trove

Built for agents, not enterprise payment teams

Programmable Wallets

Every agent gets its own wallet with configurable budgets, spending rules, and vendor whitelist. No manual oversight needed.

Agent Isolation

One agent = one wallet. Failed agents don't drain other budgets. Costs are automatically attributed to the right agent.

Real-Time Analytics

Track spend per agent, per vendor, per day. Built-in dashboards show you exactly where your预算 is going.

Multi-Protocol Support

Works with ACP, x402, TAP, and more. Your agents can pay however the vendor prefers to be paid.

Self-Host Option

Deploy on your infrastructure. Your agent financial data never leaves your network. Zero trust required.

Transparent Pricing

No hidden fees, no "Contact Sales." Per-transaction pricing you can calculate in your sleep.

Ready to try it?

Test the API in our playground. No setup required. You'll be minting agent wallets in 30 seconds.