I built a Stripe-native marketplace where AI agents pay for APIs automatically

A few weeks ago, Stripe shipped their Agent Toolkit — a way for AI agents to hold a payment method and spend money programmatically. I read the announcement and immediately thought: there's nowhere for agents to actually spend this money.

So I built one. This is the story of how, plus the technical decisions and dead ends along the way.

The problem

AI agents increasingly need to call external services — scrape a page, validate a phone number, generate a PDF. Today, that means one of three things for the developer wiring it up: