Agentic Pay
A cross-platform payment engine that lets third-party AI agents send and receive payments over seven crypto rails: BTC, ETH, USDT, USDC, XRP, XMR, ZEC.
One Node.js core runs unmodified on Linux, Windows, and macOS. The same backend is reachable from iOS and Android via an installable Progressive Web App (PWA) — there is no separate native mobile codebase to maintain.
Architecture
┌───────────────────────────┐
│ core/railManager.js │ <- one call-site for
│ (policy + ledger + auth) │ every asset
└─────────────┬─────────────┘
│
┌───────────┬─────────────┼─────────────┬───────────┬──────────┐
│ │ │ │ │ │
rails/btc rails/eth rails/xrp rails/xmr rails/zec │
(bitcoinjs) (ethers.js, (xrpl.js) (JSON-RPC to (JSON-RPC to │
ETH+USDT+ monero- zcashd) │
USDC ERC20) wallet-rpc) │
│
Agent-facing surfaces (both call railManager, never a rail │
adapter directly): │
┌────────────────────────┐ ┌───────────────────────────┐ │
│ server/restApi.js │ │ server/mcpServer.mjs │ │
│ HTTP/JSON, API-key │ │ MCP stdio server for │ │
│ auth, for any HTTP- │ │ Claude / other MCP- │ │
│ capable agent stack │ │ compatible agent clients │ │
└────────────────────────┘ └───────────────────────────┘ │
│
Human-facing surfaces: │
┌────────────────────────┐ ┌───────────────────────────┐ │
│ cli/index.js │ │ web/ (PWA) │ │
│ Linux/Windows/macOS │ │ served by server/ │ │
│ terminal │ │ staticWeb.js, installable │ │
│ │ │ on iOS/Android home screen │ │
└────────────────────────┘ └───────────────────────────┘ │
Every send, from any surface, passes through core/limits.js (per-agent
spend caps + human-confirmation floor) and core/ledger.js (idempotency,
so a retried tool call can never double-pay).
Quick start (any OS with Node.js 18+)
git clone <this repo> # or unzip the delivered archive
cd agentic-pay
npm install
cp config/.env.example .env
cp config/config.example.json config/config.json
# edit both files — see docs/SETUP_<YOUR_OS>.md for exact values per rail
npm run start:rest # REST API on :8787
npm run start:web # PWA on :8788 (optional, for mobile/browser access)
npm run start:mcp # MCP stdio server (for Claude Desktop / Claude Code)
node cli/index.js rails # sanity check from the terminal
Start on testnets first. Every rail's example config defaults to a
testnet or requires you to explicitly fill in mainnet values — this is
intentional. Do not point real funds at this system until you've reviewed
core/limits.js and set spend caps you're comfortable with.
Hosted (custodial) — skip the setup
Don't want to run your own node? Aumnium operates a hosted instance at https://api.aumnium.tech — deposit USDC, get a spendable custodial balance, and start sending across all seven rails without installing or funding anything yourself.
This is a different trust model than the self-hosted instructions above: your funds sit in a pooled wallet operated by Aumnium (not your own keys), and each send is charged a 1% fee plus network cost, deducted from your balance. The self-hosted path above remains fully non-custodial; this hosted path trades that for convenience.
# 1. Get your deposit address
curl -H "x-api-key: YOUR_KEY" https://api.aumnium.tech/v1/deposit/address
# 2. Send USDC to that address on Ethereum mainnet
# 3. Claim your deposit once it confirms
curl -X POST -H "x-api-key: YOUR_KEY" -H "Content-Type: application/json" \
-d \'{"txHash":"0x..."}\' \
https://api.aumnium.tech/v1/deposit/claim
# 4. Send payments (billed per-call via x402, USDC on Base)
curl -X POST -H "x-api-key: YOUR_KEY" -H "Content-Type: application/json" \
-d \'{"asset":"USDC","to":"0x...","amount":1,"idempotencyKey":"unique-key"}\' \
https://api.aumnium.tech/v1/send
Contact [email protected] for an API key. Full endpoint list at https://api.aumnium.tech.
Where to go next
docs/SETUP_LINUX.mddocs/SETUP_WINDOWS.mddocs/SETUP_MACOS.mddocs/SETUP_MOBILE.md— iOS and Android via PWAdocs/AGENT_INTEGRATION.md— wiring up Claude, MCP clients, or any HTTP-based agent frameworkdocs/SECURITY.md— key management, spend limits, and legal/regulatory considerations — read this before sending real funds
What's genuinely production-ready here vs. what's a starting point
- Production-shaped: the policy engine (per-tx cap, daily cap, confirmation floor, address allowlisting), the idempotent ledger, and the unified rail interface.
- Starting point, needs hardening for real money at scale: the
JSON-file ledger (swap for a real database under load), the static
USD price table (wire in a live price feed), and key storage (move
from
.envto an OS keychain or HSM/KMS for anything beyond development — seecore/keystore.jsfor the extension point).
License
agentic-pay is licensed under the Business Source License 1.1 (see
LICENSE). In plain terms:
- You can use, modify, and self-host this freely — for yourself, your own organization, or your own agents, including production use.
- You cannot turn around and offer it as a competing hosted/managed payments-as-a-service product to third parties without a commercial license.
- On 2030-07-14, this version automatically converts to the Apache License 2.0 — fully open source, no restrictions.
Want a commercial license for a hosted/managed offering before then? Contact [email protected].