Versine, a Y Combinator startup with three listed founders, describes itself as "Venmo for agents," a stablecoin-backed payment layer that would let AI assistants such as ChatGPT and Claude send money and split bills. According to its own website, the product has not launched.
Y Combinator's profile of the company describes payments through assistants connected by MCP, the Model Context Protocol. It names ChatGPT, Claude, Muse and custom agents. Both consumers and developers are directed to waitlists, so what exists today is a preview. That was the status as of November 6, 2026, when this reporting was checked.
What the product is supposed to do
Versine's demo shows a $50 dinner bill being split, with a $25 payment going to the other diner. The figures are illustrations on the company's site, not customer transaction data.
Recipients receive links to cash out to a bank account and do not need Versine accounts, according to Y Combinator's description. Versine's terms, updated October 30, 2026, say funds in a claim link remain in the sender's wallet until claimed, and that links expire after seven days. A fraud-controls page on the company's site states that agents cannot change their own permissions.
A user-experience comparison, not a technical one
The Venmo label describes how the product is meant to feel. It does not describe how it works. The terms disclose a self-custodial stablecoin wallet (one the user, not the company, controls) paired with bank payout providers. Versine is not an agent interface to Venmo.
Its legal pages name several partners. The unauthorized-payments policy says funding disputes involve Coinflow, while bank-payout problems involve Bridge. A provider page lists Brale's NMLS ID, a federal registry number for money-services businesses, as 2376957. Older indexed snippets of the site carried different provider and fee language, so these details are drawn from the live pages.
Refund requests, under the company's policy, should be submitted within 60 days. Versine's privacy statements are the company's own representations and have not been independently audited.
The team
Y Combinator lists all three team members as "Founder," with no CEO or CTO designated. The sources reviewed do not establish the company's overall headcount.
Harshith's personal website lists software-engineering experience at Stripe, Amazon and HubSpot. Param's site says he is on leave from the University of Waterloo and is building payments infrastructure for AI. It cites work on machine-learning ad targeting at Quora and deep-research evaluations at Glean. By his own timeline he joined Glean in May 2025 and Quora in September 2025, after earlier stints at Expertise.ai (September 2024), Dropbase (January 2024) and zipBoard (May 2023).
Vishnudev is credited on a Devpost project, Colexo, which won First Overall at the To the Moon and Hack event. That project began August 1, 2020.
The legal entity behind the product is Oversine, Inc., a Delaware corporation, according to the terms of service.
A change of direction, apparently
Earlier materials described something else entirely. An aVenture listing updated September 28, 2026, and Harshith's personal site still present Versine as agent-authentication infrastructure. A PyPI package dated October 5 creates agent-user assertions, supports local and cloud-key signers and lists harshithl as maintainer.
Current materials, by contrast, center on payments. A move from authentication to consumer agent payments between early October and early November 2026 is an inference drawn from these documents. The founders have not confirmed it, and the company has not explained the timing.
Funding and pricing remain unclear
Versine's funding is unconfirmed. A Dealroom page still describes the earlier authentication product, and its funding fields should not be treated as company-confirmed disclosures. A $125,000 database entry may be incomplete; it does not establish what Versine received, when, or how much it has raised in total. Y Combinator's deal page does not settle the matter either.
No verified developer pricing or enterprise business model turned up in the research.
Where it fits among agent-payment efforts
Versine's consumer focus stands apart from the business orientation of larger players. Stripe's treasury-for-agents announcement overlaps on payment delegation and MCP but targets business treasury, not consumer bill splitting. Mastercard's October 2026 Agent Pay for Machines material covers commerce between machines and services. A release from Visa, BILL and Billtrust describes controlled agent payments for enterprises, and says nothing that would show Versine adoption.
Regulators are also paying attention. An April 2026 IMF note by Sonja Davidovic and Hervé Tourpe examines authorization traceability, fraud, accountability and the allocation of liability in agent payments. It is policy background, not a ruling on Versine's legal status.
What to watch
Versine's site still points visitors to waitlists. Until the product ships, the stablecoin wallet, the bank payouts and the agent permission controls remain claims made in the company's own documents.
