An autonomous gatekeeper for agentic commerce. User-defined spending controls, fluid transactions that settle once, and AI-powered recovery when payments fail.
Create, authorise, and configure — the wallet handles everything else autonomously.
Walk through the three API calls
average order changes before checkout
reduction in re-authorisation fees
settlement optimisation latency
successful autonomous recovery rate
Customers set their own boundaries — the wallet enforces them on every transaction.
7 order changes, 1 settlement. The agentic wallet absorbs modifications and settles once.
User creates a wallet and connects their preferred payment method via Stripe, Braintree, or any PSP.
Order changes accumulate in the wallet. A single optimised settlement replaces multiple re-authorisations.
Failed payments trigger an autonomous agent that retries, notifies the customer, or adjusts the order.
Payment provider authorises the wallet for off-session merchant-initiated transactions.
Works with Stripe, Braintree, Adyen, or any payment service provider. The wallet abstraction lets merchants switch providers without changing a single line of agent code.
User-defined rules govern every transaction. Spending limits, approved categories, and merchant blocklists are enforced in real-time — no surprises, no overcharges.
Failed payments trigger an autonomous agent that retries with alternative methods, notifies the customer, or adjusts the order — before the failure becomes a chargeback.
One wallet, any commerce model. Same APIs, domain-specific optimisation.
Resolved 8 items from order history
Matched to Waitrose + Ocado catalogues
Wallet authorised for £120
Fluid transaction — modifications won't re-auth
Basket modified (change 3 of 7)
Swapped peanut butter → sunflower seed butter (allergy)
Added oat milk, recalculated total
No re-authorisation triggered — still within range
Settled once — £100.40 final
7 modifications absorbed into single settlement
Saved £1.20 in payment fees
1 settlement vs 7 traditional re-auths
{ "wallet_id": "wal_7kx9m2", "provider": "stripe", "basket_modifications": 7, "settlement": { "type": "fluid", "authorised": "GBP 120", "final_amount": "GBP 100.40", "settled_at": "2024-12-20T18:00:00Z" }, "fees": { "traditional": "GBP 1.40", "fluid": "GBP 0.20", "saved": "GBP 1.20" }}Clean, predictable interfaces for wallet management, authorisation, settlement, and recovery. Ship in minutes.
import Hyperfold from "hyperfold";
const hf = new Hyperfold({ apiKey: "hf_live_..." });
const wallet = await hf.payments.wallet.create({ user_id: "usr_abc123", label: "Weekly Groceries", provider: { name: "stripe", config: { payment_method: "pm_visa_4242", off_session: true, }, },});
console.log(wallet.id); // "wal_7kx9m2"console.log(wallet.status); // "created"Fluid transactions turn seven authorisations into one. The agentic wallet handles spending controls, settlement optimisation, and autonomous recovery — so your customers can keep changing their minds without costing you margins.