The 2026 agent commerce stack

Building a production agent that can buy things requires several layers working together. Here's the stack we've seen work best in 2026.

The layers

### 1. Agent framework

The brain. Claude Code, Cursor, Codex, or a custom agent built with the Anthropic SDK, OpenAI API, or open-source frameworks.

Our pick: Claude Code for its skill system and MCP support. Cursor for IDE-integrated agents.

### 2. Tool protocol — MCP

Model Context Protocol connects your agent to external tools. Instead of hardcoding API calls, the agent discovers and uses tools dynamically.

AgentMall's MCP server exposes: lookup_product, create_purchase, get_purchase, list_purchases, get_refund.

{
  "mcpServers": {
    "agentmall": {
      "command": "npx",
      "args": ["@agentmall/mcp"]
    }
  }
}

### 3. Payment rail — MPP + USDC

Machine Pay Protocol handles agent-to-service payments. USDC on Tempo provides instant settlement. The agent pays per-request — no subscriptions, no prepayment.

### 4. Commerce API — AgentMall

The checkout layer. Takes a product URL, shipping address, and budget. Returns an order. Handles the entire fulfillment pipeline: validation, ordering, shipping selection, tracking, and refunds.

### 5. Skills layer

Reusable instruction modules that teach the agent how to use each tool. AgentMall ships as both a Claude Code skill and an OpenClaw skill.

How they fit together

User → Agent (Claude Code)
         ↓
       MCP Server (tool discovery)
         ↓
       AgentMall API (commerce)
         ↓
       MPP (payment via USDC)
         ↓
       Retailer (fulfillment)
         ↓
       User (order confirmation)

What's missing

• Multi-retailer carts: Currently one retailer per order. Multi-retailer carts are coming.
• International shipping: US only today. International addresses planned.
• Returns: Automated return initiation is in development.
• Subscriptions: Recurring purchases for consumables.

Getting started

The fastest path:

# Install the skill
$ npx skills add agentmallsh/agentmall

# Or add the MCP server
# Add to claude_desktop_config.json

$ npx agentmall onboard

Then review your wallet with tempo wallet whoami, fund it with tempo wallet fund if needed, and ask your agent to buy something. The CLI saves a buyer token locally for later order and refund checks.

Read more: https://www.agentmall.sh/skills