Nekuda
Nekuda is an SDK that gives AI shopping agents a secure wallet to store and use payment credentials, plus 'agentic mandates' - an authorization layer that captures what an agent may buy, under what conditions and with what spend limits. It lets agents complete checkout autonomously on a site. Founded 2024 in New York; raised $5M from Madrona, Amex Ventures and Visa Ventures.
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Our take
Nekuda is picking at the hard part of agentic commerce: how an AI agent pays without you handing it a raw card number. Its secure wallet plus a 'mandates' authorization layer give agents bounded spending power, and backing from Amex and Visa Ventures signals it is on the right track. It is early-stage infrastructure, so treat it as a bet on where commerce is heading.
Best for
Developers and merchants building agentic-commerce experiences who need agents to pay at checkout securely, with spending limits and approvals rather than stored raw card data.
Pros
- Secure agent wallet for delegated payment credentials
- 'Agentic mandates' set spend limits, conditions and approvals
- Backed by Amex Ventures and Visa Ventures
- Tackles a genuine blocker for autonomous checkout
Cons
- Early-stage (founded 2024); short track record
- Pricing not clearly published (limited evidence)
- Developer SDK - real integration work required
How it compares
Alongside Skyfire, Crossmint and the new ACP and AP2 protocols, Nekuda focuses on the on-site merchant integration - wallet plus authorization mandates - rather than running a payment network. It is infrastructure for the agent-checkout layer, not a consumer shopping agent.
Full review
Nekuda is building the payment plumbing for agentic commerce. Its SDK gives an AI agent a Secure Agent Wallet so it can collect, store and use payment credentials to complete purchases across e-commerce, travel and online services - without the user handing the agent a raw card number. The second piece, Agentic Mandates, is an authorization layer that captures the context of a purchase: what the agent is allowed to buy, under which conditions, with spending limits or required approvals baked in.
Founded in 2024 and based in New York, the company raised a $5M round led by Madrona with Amex Ventures and Visa Ventures participating - notable validation from exactly the payment incumbents that would have to bless this layer. That said, it is early infrastructure: the track record is short, pricing is not clearly public, and adopting it means real SDK integration work. It is best understood as a focused bet on the agent-checkout layer rather than a finished, off-the-shelf product.
Cloudkart Trust Graph
3.4/5- Actual Utility4/5
Source: Initial LLM-authored rubric (backfill)
- Ease of Use3/5
Source: Initial LLM-authored rubric (backfill)
- Pricing Fairness3/5
Source: Initial LLM-authored rubric (backfill)
- Reliability3/5
Source: Initial LLM-authored rubric (backfill)
- Differentiation4/5
Source: Initial LLM-authored rubric (backfill)
Scored as of . Each score is versioned and auditable; vendors cannot buy it.
How this score is set
- Editorial rubric
- Primary signal — five dimensions, 3.4/5 average.
- Community reviews
- None yet.
- Pricing verified
- Not yet verified
- Independence
- Score set by our editorial team before any affiliate relationship is considered. No vendor can buy it.
Frequently asked questions
- Is Nekuda free, and how much does it cost?
- Nekuda has a free tier, with paid plans that unlock advanced features.
- Who is Nekuda best for?
- Developers and merchants building agentic-commerce experiences who need agents to pay at checkout securely, with spending limits and approvals rather than stored raw card data.
- How is Nekuda rated on Cloudkart.ai?
- Nekuda scores 3.4 out of 5 on the Cloudkart.ai rubric, which weighs actual utility, ease of use, pricing fairness, reliability and differentiation. Scores are set editorially and can never be bought.
Community reviews
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Relevant tools
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Phia
Phia is a shopping app and browser extension that checks whether a price is fair and finds cheaper alternatives, including secondhand. It draws on a database of about 250 million resale listings across 40,000+ sites, tells you if an item is high, fair or typical, and surfaces identical or similar options for less. Co-founded by Sophia Kianni and Phoebe Gates, it raised a $35M Series A in 2026 at a $185M valuation.
Rep AI
Behavioral AI sales agent for Shopify that engages shoppers, recommends products and drives checkout — trained on 160M+ shopper sessions.
Compare Nekuda head-to-head: vs Stripe Agentic Commerce · vs Stripe Agent Toolkit · vs Phia · vs Rep AI