Locus
Locus is a YC Fall 2025 (F25) company. Team of 2.
About Locus
Summary
Locus builds payment infrastructure for AI agents, letting developers and businesses give their agents access to paid APIs, data, and services with defined spending limits. Platforms connect once to a pool of nearly 4,000 tools through a single integration and contract, replacing the process of negotiating, contracting, and billing with each vendor individually. Every transaction is traceable and reconcilable with existing financial systems.
Business model
Base cost per API call plus a platform-set markup, billed through a pre-funded credit pool
Go-to-market
Developer and platform teams building AI agent products adopt Locus through a self-serve npm integration, with larger platform deals handled via a direct sales conversation.
From the Y Combinator listing
Payment infrastructure for AI agents
We make your agents pay. As agents evolve from tools into dependable, autonomous actors, they’ll need the ability to execute open-ended workflows end-to-end. This inevitably means payments: accessing paywalled data, transacting for services or with other specialist agents. But autonomy requires guardrails. Businesses and developers will need a way to ensure their agents only spend how much and on what they’re supposed to. The machine economy is coming, and Locus (YC F25) is building the connector businesses will need to participate. We connect agents securely to funds, letting you define permissions and limits for every transaction. Each payment is traceable, auditable, and fully reconcilable with your existing financial stack.
Facts
- B2B / B2B -> Engineering, Product and Design
- 2
- Active
- Early
Founders (2)
- Eliot Lee
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