This AI builds you a business, runs it, and settles payments in USDC

2 min readMake preferred on ShareShare this articleCopy linkX iconX (Twitter)LinkedInFacebookEmailMake preferred on The AI that builds your business. (Pexels/Pixabay)SummaryShowLocus Founder is an AI agent that builds and runs an internet business for you — from market research and website deployment to product sourcing, marketing, and payments — all triggered by a text message.It settles transactions in USDC via Pay With Locus, the company's non-custodial wallet infrastructure, meaning the AI agent can earn, hold, and spend money autonomously with human oversight built in.Text an idea. Get a business. That's what the Silicon Valley startup incubator Y Combinator's AI agent, Locus Founder, launched Monday. All a user has to do is send a business idea via iMessage, SMS, or Telegram, and the AI takes care of the rest, including researching the market using 40-plus paid data APIs and generating a brand identity. "The AI agent that earns you a dollar by running your business, just by texting it," the official blog post said. It also builds full-stack websites, sources products and runs outbound email and social media campaigns that involve generating short-form video ads and posting them on Meta, the blog post added. More importantly, it also handles the money. Locus Founder accepts payments in USDC, the world's second-largest dollar-pegged cryptocurrency, as well as card payments. This payment mechanism runs on Pay With Locus, a non-custodial wallet infrastructure built for AI agents to spend money safely, with built-in spending controls and auditability. Locus Founder settles payments in USDC, a dollar-pegged stablecoin, directly into a non-custodial wallet controlled by the agent, without a bank account or days of settlement. The agent earns, holds, and spends money in real time — and the infrastructure is built so humans can audit and control exactly what it does with that money. When a sale is made, Checkout With Locus, a Stripe-style payment SDK, settles the funds directly into the agent's Locus wallet. "Every Locus Founder user is a Pay With Locus user (credits run off our wallets), a Build With Locus deployment (sites deploy on BWL), and a consumer of our pay-per-use API suite. It's the first app anyone can pick up and use, sitting on top of all of our infrastructure," the post added. In other words, Locus isn't just an AI that texts users business updates. It is a vertically integrated system in which an AI agent can research, build, market, sell, and get paid entirely autonomously, with USDC as the financial layer connecting it all. The launch shows where AI agents are heading. Agentic systems are no longer just about bots that help users write emails or make payments. They are evolving into autonomous economic actors that can float new businesses, advertise, generate revenue and settle it in crypto. AI Disclaimer: Parts of this article were generated with the assistance from AI tools and reviewed by our editorial team to ensure accuracy and adherence to our standards. For more information, see CoinDesk's full AI Policy.Latest Crypto News 1BlackRock's new bitcoin income fund offers cash flow alongside BTC exposure1 hour ago2Mystery Polymarket trader turned $4 million into $9 million after Spain's shocking World Cup draw1 hour ago3BlackRock's new bitcoin ETF lets institutions earn from volatility. There's a catch.1 hour ago4Bitcoin buyers add over 250,000 BTC between $59,000 and $67,000 as accumulation returns2 hours ago5Bitcoin rallies after Japan rate increase with XLM, INJ, UNI advancing2 hours ago6Tether Gold now has a dedicated options market on Bybit7 hours ago7Live markets: SpaceX's $60 billion Cursor deal fuels pre-market rally7 hours ago8XRP gives back gains after 10% rally as traders take profit near $1.257 hours ago9Profit-taking across bitcoin, ether, solana as traders wait on the Iran signing8 hours ago10Bitcoin rises after Bank of Japan hikes interest rates to a 31-year high8 hours agoLatest Research CEX Volumes Drop to Lowest Since September 2024 as RWA Perps Hit Record HighCEX Volumes Drop to Lowest Since September 2024 as RWA Perps Hit Record HighIn May, combined exchange volumes fell 3.45% to $4.41T; the lowest since September 2024. RWA perpetual futures volumes rose 10.4% against the trend, hitting a new all-time high. In May, combined exchange volumes fell 3.45% to $4.41T; the lowest since September 2024. RWA perpetual futures volumes rose 10.4% against the trend, hitting a new all-time high. In May, combined exchange volumes fell 3.45% to $4.41T; the lowest since September 2024. RWA perpetual futures volumes rose 10.4% against the trend, hitting a new all-time high.

This AI builds you a business, runs it, and settles payments in USDC

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