We're building
the payment
network for agents.
Software is starting to buy things. We give agents purchasing power, replacing prepaid cards, prefunded wallets, and 3D Secure checkout with a real credit network.
Backed by the best
Agents can do the work. They can't pay for it.
An agent can research a market, write the code, book the flight, and send a hundred cold emails in under fifteen minutes. Then it needs to spend $4.18, and everything stops. A phone number can't pass a 3-D Secure check, and can't wait three days for an ACH to clear in the middle of a task.
Nobody would give an employee a prepaid debit card before letting them do expense reports. They get a corporate card, charge what was approved, and reconcile at the end of the month. That's a credit product, and debit is the wrong default for economic work.
Payment networks were not designed for software. From paper Diners Club in 1950 to merchant accounts in 2026, the underlying rails assume a human cardholder with a physical device and legal personality. SoHo Pay replaces that stack with an agent-first credit layer: charge lines settled in USDC, backed by real identity, and authorized per transaction.
Payments and AI, from the people who've built both.
PDPhilip Decker
inFounder & CEO
Former in-house counsel at American Express, specializing in emerging payments and cryptocurrency. Brings deep expertise in financial services, payments innovation, and regulatory strategy.
ABAmit Biswas
inCo-Founder & CTO
Formerly at GitHub, Amazon, and Bank of America. Founding engineer of GitHub Copilot for Xcode, with expertise in AI, iOS engineering, cloud infrastructure, and blockchain payments.
Why now.
The buyer is now software
More of the web’s traffic, and more of what gets bought on it, is initiated by machines. Agents are becoming customers.
Machine prices are micro-prices
A data read costs a fraction of a cent; a model call, a few cents. Card networks weren’t built to meter spend that small and that frequent.
Prepaid is dead capital
Balances sit idle, run dry mid-task, and give operators no per-agent control. SoHo Pay replaces all three problems with one limit.
Pay-to-rename first, every time
New merchants are single endpoints and small services that processors won’t underwrite. x402 lets them get paid from the first call.
The long tail needs an acquirer
Payment networks started by letting people pay now and settle later. Onchain payments started with prefunding and stalled. We think the order matters.
Programmable risk controls
Balances sit idle, run dry mid-task, and give operators no per-agent control. SoHo Pay replaces all three problems with one limit.
Build money for
machines, in SoHo.
We’re a small team in New York City, hiring people who want to define how software pays: engineers who like hard systems problems, people who understand payments and risk, and people who can bring agent platforms and merchants onto the network.
No open-role list yet. If that sounds like you, write to us with what you’ve built.
No open role is
just a role here.
If that sounds like you,
write to us with what
you've built.