AGENTPAY Financial control layer for AI agents
Solana devnet Simulated data
Autonomous agent payments

Your AI can work.
Now let it pay.

Give AI agents a scoped budget to buy services. Every request is priced, checked against policy, signed, settled, and receipted.

Services your agent can buy

No subscriptions and no seat licences. The agent pays per request, and only for the requests the policy allows.

Allowed
Supplier Intelligence
Shortlists qualified suppliers from a live market index, filtered by the buyer budget.
$0.002 / request
AgentPay Index
Allowed
Company Verification
Confirms registration status and beneficial ownership before the agent commits.
$0.001 / request
LedgerCheck
Allowed
ESG Intelligence
Returns an ESG profile and risk flags for a named supplier.
$0.005 / request
Terra Signal

Human checkout does not survive contact with a machine

Card rails were built around a person who reads a page, types a code and taps confirm. An agent buying an API call has none of that time.

GAP 01

Approval sits in the wrong place

A 3-D Secure prompt or an SMS code halts the workflow. The agent waits for a human who is asleep, and the task expires before anyone confirms.

GAP 02

The merchant cannot read the buyer

A provider has no way to tell a legitimate autonomous buyer from a runaway script, so it either refuses everything or accepts everything.

GAP 03

Every protocol invents its own money

Agents live inside fragmented tool and payment standards, so a working integration on one stack has to be rebuilt on the next.

Three layers, one exchange

The gateway is deliberately split so that negotiation, execution and verification can be reasoned about separately. A failure in one layer never silently becomes a payment.

Layer 1
Negotiation

The request carries no credentials. The provider answers with an HTTP 402 Payment Required and a machine-readable price. Nothing is charged and nothing is unlocked yet, so a mispriced call costs the agent nothing.

# provider response
HTTP/1.1 402 Payment Required
x-price:         0.002
x-currency:      USDC
x-pay-to:        9xQe…F4t
x-network:       solana-devnet
x-valid-until:   1758169200
Layer 2
Signed execution

The payer signs an authorisation off-chain. A separate executor submits it and pays the network fee, so the agent never holds a key that can move arbitrary funds. Each authorisation carries a nonce and an expiry, which is what makes replay impossible.

// authorisation payload
from:         agent-payer
to:           provider.treasury
value:        2000            // minor units
validAfter:   1758168300
validBefore:  1758169200
nonce:        0x8f21…c3a9

transferWithAuthorization(…)
Layer 3
Verification and fulfilment

The provider re-checks the settlement against the requirement it originally published, then releases the resource. The receipt that comes back is the audit trail: what was asked, what policy decided, what settled, and on which network.

// merchant-side check
amount_ok        ✓  equals requirement
recipient_ok     ✓  matches treasury
not_expired      ✓  inside valid window
nonce_unused     ✓  replay protected
→ fulfil resource

Autonomous, but constrained

Freedom is granted as a budget with an expiry, not as a credential. Every rail below is enforced before a payment is signed, and every one of them is visible in the console.

Spend rails
Per-transaction cap, session budget and a rolling daily ceiling. A loop that tries to buy the same thing twice hits the ceiling, not the card.
Scoped capability
The agent holds a capability, not a card. Revoking it takes one call and does not touch the underlying funding account.
Know your agent
Each buyer presents a verifiable identity with its own history. Providers can price and meter a known agent differently from an anonymous one.
Validity windows
Authorisations expire. A signed intent that is not settled inside its window is worthless, so nothing lingers on the network waiting to be replayed.
Replay protection
Every authorisation carries a single-use nonce. Re-submitting a settled payment fails at the token contract, not in a support queue.
Human hand-off
Anything above the auto-approval threshold pauses and waits for an operator. The agent keeps its context instead of failing the task.

Settlement rails and protocol surface

One authorisation format, several ways to settle. The gateway stays protocol-agnostic so a standard change is a configuration change rather than a rewrite.

x402
HTTP-native payment headers for request-level monetisation.
ERC-3009
Signed transfer authorisations with nonces and validity windows.
EIP-712
Typed, human-readable structures for what the payer actually signs.
A2A
Agent-to-agent coordination, so a buyer can delegate a purchase.
MCP
Tool surfaces that expose paid capabilities to any compatible agent.
AP2
Mandate-based flows for agent-led purchasing with explicit consent.
Settlement rails in this buildDevnet
RailAssetSettlement timeUsed forStatus
SolanaUSDCsub-secondRequest-level micro-paymentsLive in demo
EVMUSDC~1 blockSame authorisation format, different executorAdapter
Card networkFiatT+1Where a provider only accepts cardsAdapter
Prepaid creditsCreditsinstantBatched settlement for multi-step tasksAdapter
Scope of this build

What this demo does not claim

  • No real funds move. The ledger, prices and signatures are a sandboxed simulation on a devnet profile.
  • No production key management, custody or multi-chain settlement infrastructure is wired up here.
  • Proof of funds and dispute handling for high-value agent purchases remain roadmap, not shipped behaviour.

Questions operators ask first

An API key grants unlimited use of one service until someone revokes it. A scoped authorisation grants a named, capped, expiring permission to spend a specific amount with a specific provider. The agent can act inside the envelope and cannot act outside it, and the envelope closes on its own.

Three separate ceilings: a per-transaction cap, a session budget and a rolling daily limit. The gateway evaluates all of them before an authorisation is signed, so a runaway loop is refused at the source rather than after the fact. An operator can also halt the agent from the console, which stops authorisation immediately.

The payer signs and the executor submits. That separation means the executing service can cover the fee, so the agent never needs to hold a balance of the native token to transact. It is also what lets the authorisation stay a pure, verifiable signature.

Because the price is disclosed per request in the 402 response, a provider can quote per call, per token, per workflow step or by tier without changing anything about the integration. Metering becomes a property of the price the provider publishes, not of a contract signed months earlier.

The resource it paid for, plus a receipt tying the payment to the decision that made it necessary. That link is what makes the spend auditable months later, and it is why the ledger in this console is a context ledger rather than a list of amounts.

AGENTPAYFinancial control layer for AI agents

A sandboxed reference console for autonomous agent payments, built around HTTP-native price negotiation and signed, time-bounded spend authorisations.

Protocol
x402 payment headers ERC-3009 authorisations EIP-712 typed data Agent identity (KYA)
Build
Solana devnet profile USDC micro-payments Simulated session
AgentPay reference console. Figures shown are simulated. not financial advice · devnet only
Agent run

Ready for a controlled run

One task, one budget, and a full trace of every request the gateway decided on. Start, pause or halt the agent at any point.

Speed
Idle
Operational trace Simulated workflow
Marketplace

Services your agent can buy

Five purchasable capabilities, three currently inside the policy envelope. Change the allow-list in Policy and this catalogue follows.

Policy matrixEvaluated before every signature
CapabilityCategoryProvider PricePolicy
Supplier IntelligenceSourcingAgentPay Index$0.002Allowed
Company VerificationTrustLedgerCheck$0.001Allowed
ESG IntelligenceRiskTerra Signal$0.005Allowed
Market Data FeedDataMeridian Feed$0.003Outside policy
Contract Clause ReviewLegalNorthwind Legal AI$0.004Outside policy
Payments

Contextual payment ledger

Every row carries the decision that produced it, so an operator can reconcile a charge against the agent's reasoning rather than guessing.

Settled
$0.000
Entries
0
TimeServiceAmountStatus DecisionSignatureReceipt
Controls

Agent policy

These limits are evaluated before any authorisation is signed. Edits apply from the next request onwards.

Active
Spend limitsHard ceilings
Allowed services3 of 5
Agent identityKYA
Agent idagent-payer…sol
Operatorprocurement.automation
Mandatescoped · revocable
Valid window15 min per run
Session spent$0.000