AI-enabled wallets and on‑chain agents are systems that allow autonomous software (agents) to hold credentials, sign transactions, and interact with decentralized ledgers and payment rails on behalf of users or enterprises. By 2026, mainstream moves such as Visa Intelligent Commerce (2025) to let AI agents discover and complete purchases, combined with enterprise agent platforms and model providers, have pushed these use cases from experimental to production‑grade, creating new security and governance needs. Effective security stacks for this space combine cryptographic key management (MPC, threshold signatures, hardware isolation), strong identity and attestation for agents, granular transaction policies and capability-based controls, real‑time monitoring and anomaly detection, transactional simulation/sandboxes, and insurance or risk‑transfer mechanisms. Tooling maps to these needs: Visa Intelligent Commerce connects agent flows to payment rails; Monitaur centralizes policy, monitoring, validation, and vendor governance for regulated industries; StackAI and Relevance AI provide no‑code/low‑code platforms to build, orchestrate, and govern autonomous agents; IBM watsonx Assistant and Microsoft 365 Copilot enable enterprise assistants and agent orchestration tied into corporate data; and infrastructure/model layers such as Vertex AI, Google Gemini, and Cohere supply the underlying models, embeddings, and APIs that agents use. Security and governance priorities include enforceable on‑chain policies, revocable capabilities, secure oracle and data integrity, SLA and vendor controls, continuous auditing, and insurance coverage models for operational losses. As regulators and enterprises integrate agentized commerce and automation, pragmatic defenses—combining cryptography, policy automation, monitoring, and commercial risk instruments—are becoming standard practice for deploying AI wallets and on‑chain agents at scale.