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Sapiom has raised $15 million to build a financial layer that enables AI agents to securely purchase and access necessary software, APIs, data, and compute resources, addressing backend infrastructure challenges for non-technical creators.
AI 生成摘要
Sapiom 籌集了 1500 萬美元，旨在建立一個金融層，讓 AI 代理能夠安全地購買和存取所需的軟體、API、資料和運算資源，解決非技術創作者的後端基礎設施難題。
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People without coding backgrounds are discovering that they can build their own custom apps using so-called vibe coding — solutions like Lovable that turn plain-language descriptions into working code.
While these prompt-to-code tools can help create nice prototypes, launching them into full-scale production (as this reporter recently discovered) can be tricky without figuring out how to connect the application with external tech services, such as those that can send text messages via SMS, email, and process Stripe payments.
Ilan Zerbib, who spent five years as Shopify’s director of engineering for payments, is building a solution that could eliminate these backend infrastructure headaches for non-technical creators.
Last summer, Zerbib launched Sapiom, a startup developing the financial layer that allows AI agents to securely purchase and access software, APIs, data, and compute — essentially creating a payment system that lets AI automatically buy the services it needs.
Every time an AI agent connects to an external tool like Twilio for SMS, it requires authentication and a micro-payment. Sapiom’s goal is to make this whole process seamless, letting the AI agent decide what to buy and when without human intervention.
“In the future, apps are going to consume services which require payments. Right now, there’s no easy way for agents to actually access all of that,” said Amit Kumar, a partner at Accel.
Kumar has met with dozens of startups in the AI payments space, but he believes Zerbib’s focus on the financial layer for enterprises, rather than consumers, is what’s truly needed to make AI agents work. That’s why Accel is leading Sapiom’s $15 million seed round, with participation from Okta Ventures, Array Ventures, Menlo Ventures, Anthropic, and Coinbase Ventures.
“If you really think about it, every API call is a payment. Every time you send a text message, it’s a payment. Every time you spin up a server for AWS, it’s a payment,” Kumar told TechCrunch.
While it’s still early days for Sapiom, the startup hopes that its infrastructure solution will be adopted by vibe-coding companies and other companies creating AI agents that will eventually be tasked with doing many things on their own.
For example, anyone who has vibe-coded an app with SMS capabilities won’t have to manually sign up for Twilio, add a credit card, and copy an API key into their code. Instead, Sapiom handles all of that in the background, and the person building the micro-app will be charged for Twilio’s services as a pass-through fee by Lovable, Bolt, or another vibe-coding platform.
While Sapiom is currently focused on B2B solutions, its technology could eventually empower personal AI agents to handle consumer transactions. The expectation is that individuals will one day trust agents to make independent financial decisions, such as ordering an Uber or shopping on Amazon. While that future is exciting, Zerbib believes that AI won’t magically make people buy more things, which is why he’s focusing on creating financial layers for businesses instead.
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Reporter, Venture
Marina Temkin is a venture capital and startups reporter at TechCrunch. Prior to joining TechCrunch, she wrote about VC for PitchBook and Venture Capital Journal. Earlier in her career, Marina was a financial analyst and earned a CFA charterholder designation.
You can contact or verify outreach from Marina by emailing [email protected] or via encrypted message at +1 347-683-3909 on Signal.
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