Snaplii Launches a Pre-Funded Wallet for AI Agent Spending, With Cashback on Muse Purchases

Snaplii Cash gives Muse and other consumer agents a capped balance to spend from, keeping credit card and bank details out of the agent’s reach.

Snaplii is pitching a fix for the question that follows every agentic shopping purchase: which payment credentials do you actually hand the agent?

Snaplii launched Snaplii Cash on October 5, in an announcement distributed via ACCESS Newswire. The Toronto-based digital wallet company’s product is a pre-funded balance that AI agents spend from instead of a user’s credit card or bank account. A user loads the amount they’re willing to let an agent spend and sets a cap (the company gives $50 as an example); every purchase the agent makes draws from that balance. The agent never sees the underlying card or bank details.

The company says Snaplii Cash works with Meta’s Muse today and is designed to work with other consumer agents, such as Instinct, so users can keep a single spending wallet across agents. Purchases made through the wallet earn cashback on Snaplii’s platform. The announcement cites 10% back at DoorDash and 3% at Uber Eats as examples, with up to 15% back at select brands across Snaplii’s network of more than 500 brands.

Snaplii is also offering developers an MCP-compatible agent-to-merchant interface that issues one-time, pre-funded credentials for each transaction, so agents can check out without holding reusable payment credentials.

“You wouldn’t hand a new assistant your credit card on day one. You’d give them a budget,” said Spencer Xu, Snaplii’s founder and CEO. “Agents are getting smarter every week. The one thing that should stay simple is how much of your money they can touch.”

A trust gap in agent commerce

The announcement leans on a gap in the data. A January 2026 PYMNTS Intelligence report found that 69% of consumers are interested in delegating tasks such as subscription management, grocery shopping, and meal planning to agentic AI. But a separate Visa study found that only 23% of U.S. consumers trust generative AI to handle payments on their behalf.

That gap is the practical constraint on Muse’s shopping ambitions. Meta launched Muse on September 8, and the agent hit No. 1 on Apple’s U.S. App Store by September 18, according to Sensor Tower data reported by TechCrunch. Since then, the checkout layer around it has been shifting: Amazon blocked Muse from making purchases weeks ago, while Shopify went the other direction and partnered with Meta to let Muse check out at its merchants through Shop Pay. Over the weekend, Public co-CEO Leif Abraham told Business Insider that Amazon’s block has redirected his own Muse purchases to Shopify merchants.

Snaplii’s bet is that the payment mechanism, not the retailer, becomes the thing users control. Circle is making the parallel bet on USDC wallets built for agents, approaching the same problem from the stablecoin side. A pre-funded wallet caps downside the way a card on file can’t, and the cashback gives users a reason to route agent purchases through Snaplii rather than a stored card.

What’s verifiable, and what isn’t

Snaplii says its wallet already serves more than 350,000 users and processes over $100 million in annual transaction volume across 500-plus brands, and that it is available in the United States and Canada. Those are the company’s figures, not independently audited numbers, and the agent-specific features are new, so there’s no usage data yet on how many Muse purchases flow through it.

If the MCP interface works as described, developers could give agents single-use credentials instead of building their own payment vaults, one less credential store to secure. Whether merchants adopt it, and whether competing wallets or the agents themselves absorb the feature, will decide if this becomes infrastructure or a footnote.

What’s real today is a wallet that caps agent spending, pays cashback, and works with Muse. The MCP interface, merchant adoption, and actual Muse purchase volume are still unproven.