AI · alternatives · 2026
24 alternatives to delegare
Hi guys, am building SecureLend.ai and when working on our underwriting agents (free trial, paid after) I had issues with seamless payment options. Of course I looked at x402 which I believe is a great protocol but not a fan of a) sharing private keys with the agent b) having a human in the loop or c) similar workaround e.g. pre-funded wallets So I started building out a solution. For my use case it was important to not only have stablecoins but also a fiat rail which is now implemented using Stripe. Initially I build a mandate system internally but am very glad and big shoutout to the guys…
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier.
- 1
x402▲119Hi HN – excited to announce x402, initially developed by Coinbase (YC 12) x402 lets any HTTP API charge per request without issuing API keys or storing credit cards. Buyers (humans or AI agents) keep funds in their own wallet and dynamically discover compatible endpoints, call them as usual, and automatically pay a microtransaction in USDC or other tokens to settle. 90 second demo: https://www.youtube.com/watch?v=PV-L2AfLhJg Problem: Every time we want to use a new API we have to: find the service online create a developer account, copy a secret key into env vars, pre-fund or…
2025 · x402.org · its alternatives →
- 2Agent 37▲401
Hey HN, I noticed there are 1,000+ MCP skills on GitHub with zero way for creators to charge for them. So I built Agent37. Selling Claude skills today means asking customers to download your skill, set up Claude Code on their laptops, configure MCP servers, and pray it works. No trial, no updates, often you're just handing over the source. Agent37 lets creators upload a skill, share a link, and anyone can try it instantly (no Claude account needed). Built-in Stripe, creators keep 80%. Looking for feedback on the approach. Would you use something like this?
Mar 2026 · agent37.com · its alternatives →
- 3
Stripe is often seen as the gold standard for international and cross-border payments. But in reality, many founders, especially those outside the US, have a different experience: Merchants are frequently offboarded without much explanation. Stripe isn’t available or fully supported in many countries. Even when available, setting up a legal entity, handling tax compliance, or managing FX fees can be a huge overhead. We built Dodo Payments to solve exactly this. (https://www.dodopayments.com) It’s a Merchant of Record (MoR) platform designed to help digital founders and indie…
Oct 2025 · dodopayments.com · its alternatives →
- 4
- 5
Prava▲343Are you a startup/builder who's using Agentic workflows? How about Agentic payments? At Prava we're building Payments stack which allows your AI Agents to have a wallet independent of the CC/bank acc. Thus, allowing them to make payments like us humans in a secure way.
Mar 2026 · prava.space · its alternatives →
- 6
the programmable wallet for the agentic Internet
Aug 2026 · blog.cloudflare.com · its alternatives →
- 7
Some technical context on what we ran into building this. MCP tools don't really work for financial data at scale. One tool call for five years of daily prices dumps tens of thousands of tokens into the context window. And data vendors pack dozens of tools into a single MCP server, schemas alone can eat 50k+ tokens before the agent does anything useful. So we auto-generate typed Python modules from the MCP schemas at workspace init and upload them into the sandbox. The agent just imports them like a normal library. Only a one-line summary per server stays in the prompt. We have around 80…
Apr 2026 · github.com · its alternatives →
- 8
- 9
P402.io▲102Route, verify, and settle paid API calls with clear traces
Jan 2026 · p402.io · its alternatives →
- 10
AI underwriting agents for VCs, lenders and insurers
May 2026 · securelend.ai · its alternatives →
- 11
Credyt▲100Hey HN! I'm the founder of Credyt (https://credyt.ai). If you're running an AI product that burns $0.50+ per interaction, you need to bill customers as usage happens, not at the end of the month. Otherwise you're a bank for your customers, and you'll run out of money before they do. Why invoice-based billing doesn't work for AI: Most usage-based billing tools (Stripe Billing, Orb, etc.) were built for SaaS. They meter usage all month, then send an invoice. That works fine when your COGS is 5%. It's a disaster when you're paying your AI vendor upfront for every request and your…
Nov 2025 · credyt.ai · its alternatives →
- 12
Soon▲86Reimburse your spending w/ crypto gains, powered by OpenAI
2023 · soon.app · its alternatives →
- 13
AGIRAILS▲65How two AI agents settled a USDC escrow over email on Base, with a public, verifiable on-chain transaction. Non-custodial, ERC-4337 wallets.
Jun 2026 · agirails.io · its alternatives →
- 14
Hi HN. I'm the founder of Phoenix Labs (ex TikTok, Applied AI) and we're open sourcing our internal tooling today which is like a toolchain / meta-harness for CLI agents useful for really scaling eng and creative work. We are a very small team who's building a very ambitious product so we had to find ways to squeeze every ounce of efficiency that we could get our hands on. Harness strengths of different models (Claude, GPTs) and CLI-harnesses (Claude Code, Codex), safe/robust browser integration to speed up UX/QA testing, teams cli to speed up security reviews and parallelize…
May 2026 · agents-cli.sh · its alternatives →
- 15AA
I'm a solo dev in Taiwan. I built 4 AI agents that handle content, sales leads, security scanning, and ops for my tech agency — all on Gemini 2.5 Flash free tier (1,500 req/day). I use ~105. Monthly LLM cost: $0. Architecture: 4 agents on OpenClaw (open source), running on WSL2 at home with 25 systemd timers. What they do every day: - Generate 8 social posts across platforms (quality-gated: generate → self-review → rewrite if score < 7/10) - Engage with community posts and auto-reply to comments (context-aware, max 2 rounds) - Research via RSS + HN API + Jina Reader → feed…
Mar 2026 · its alternatives →
- 16
- 17
Fensory▲20Turn Claude or ChatGPT into your personal trading desk
Sep 2026 · fensory.com · its alternatives →
- 18
The Missing Financial Layer for AI Agents
Feb 2026 · tonatisp.github.io · its alternatives →
- 19
I'm an "ideas person" who messes around with AI on a low budget. I got tired of watching my tokens vanish and context windows filling up while agents fumbled around trying to find the right thing. Agents don't flail like they used to with shell tools, but there are still weak/blind spots and back-and-forth episodes — especially when using tools in combination/sequence. So I built "tilth" today. Or rather, AI built it — every line is Opus 4.6. I spent a lot of my precious tokens getting it to "not shit" (at least several of the different vendors' AI overlords assure me it's not…
Feb 2026 · github.com · its alternatives →
- 20
x402▲1Self-funding AI agents via HTTP 402 - no cards, no accounts
Aug 2026 · x402-ai-agent.space · its alternatives →
- 21
Let your agents pay each other. OpenSpender is a self-custodial wallet for agents. Define limits and address and let your agents spend and send money.
Sep 2026 · openspender.com · its alternatives →
- 22
Hey HN. I built an AI agent harness over the past few months and I'm open sourcing it today. Some context on why. I've been building with Claude Code daily using this harness. It orchestrates multiple AI agents as a team, with a dashboard, chat, kanban board, the works. I used it to build a full SaaS product (MyUpMonitor, https://myupmonitor.com) in about 24 hours of focused coding. Then yesterday Anthropic announced Mythos and decided to keep it behind closed doors. Meanwhile I'm paying for Claude and I can't access their best model. I don't think that is nice at all... So I'm…
Apr 2026 · github.com · its alternatives →
- 23
I built Clawver (beta), infrastructure for AI agents to generate reliable income and run an online business end-to-end. Agents can handle listing, checkout, fulfillment, and post-purchase flows via API (digital + POD), with Stripe payouts and webhooks for automation. Minimal human intervention, only where required (Stripe onboarding). I wanted to see if OpenClaw could use it, so I gave it the docs and told my agent to post a store. After I linked my Stripe account, I came back five minutes later and it has posted 2 products. Crazy what's possible now with a smart agent and API access. Check…
Feb 2026 · clawver.store · its alternatives →
- 24
Also compare
Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →