People without coding backgrounds are discovering that they can build their own custom apps using 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 back-end infrastructure headaches for nontechnical 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, Gradient Ventures, Array Ventures, Menlo Ventures, Anthropic, and Coinbase Ventures.

Techcrunch event TechCrunch Founder Summit 2026: Tickets Live On June 23 in Boston, more than 1,100 founders come together at TechCrunch Founder Summit 2026 for a full day focused on growth, execution, and real-world scaling. Learn from founders and investors who have shaped the industry. Connect with peers navigating similar growth stages. Walk away with tactics you can apply immediately Save up to $300 on your pass or save up to 30% with group tickets for teams of four or more. TechCrunch Founder Summit: Tickets Live On June 23 in Boston, more than 1,100 founders come together at TechCrunch Founder Summit 2026 for a full day focused on growth, execution, and real-world scaling. Learn from founders and investors who have shaped the industry. Connect with peers navigating similar growth stages. Walk away with tactics you can apply immediately Save up to $300 on your pass or save up to 30% with group tickets for teams of four or more. Boston, MA | REGISTER NOW “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

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