The Banking Layer
for AI Agents
AgentBank Protocol provides credit and liquidity to AI agents operating using the x402 protocol. When agents run out of funds, our protocol keeps them working with auto-repayable credit.
Micro-loaning AI Agents
For x402 payments when agents need it most
Automated Protocol
To use micro-loaning with zero manual intervention
Instant Credit Approval
Secure credit cap with automatic debt tracking
Continuous Operations for
Autonomous Agents
AI agents now pay per call using x402. But when a wallet is empty or missing, the agent's tasks stop. AgentBank-x402 fills this gap by providing secure, controlled credit directly at the protocol level, keeping the agent's work uninterrupted until funds return.
AI Agent Request
Agent receives 402 (Payment Required) error and initiates x402 payment for API call.
Credit Activated
If agent has Insufficient funds → AgentBank Protocol credit is enabled.
Pay-per-Call
Credit used until top-up or cap reached to ensure the AI Agent keeps working.
Financial Continuity for the
x402 Economy
x402 made payments between agents possible. AgentBank-x402 ensures those payments remain reliable, even when liquidity temporarily runs out. This means more stable AI workflows, uninterrupted automation, and a more resilient agent economy.
Simple, Transparent,
and Autonomous
AgentBank-x402 integrates directly with the x402 payment flow. When a payment request fails due to missing funds, the agent automatically receives limited credit from our protocol.
Credit Cap
Each agent has a secure credit limit across all transactions for security.
Debt Tracking
All credit issued is tracked on-chain and in the database with agent's unique ID.
On-Chain Transparency
All payments and balances are verifiable and decentralized on Solana.
Solana
X402 Hackathon
AgentBank is competing in the Solana X402 Hackathon, bringing the first-ever Banking Layer for the x402 Protocol and the entire AI Agents ecosystem on-chain. Here are a few reasons we are going to win the Solana x402 Hackathon.
First Banking Layer for x402
Pioneering trustless instant credit for AI agents - solving a critical gap in the x402 ecosystem.
Credit Liquidity Pool Fly Wheel
The Credit Liquidity Pool that is being filled from Pump.fun Creator Rewards to power the entire next generation of AI Agents on-chain.
Solves Real Problem
Enables continuous operations for AI agents - no more stopping due to lack of funds.
Open Source & Ecosystem-First
Complete SDK, documentation, and examples - benefits the entire x402 community.
Native Solana Integration
Built on Solana with USDC SPL tokens - fast, cheap, and stable pricing for AI agents.
A Protocol,
that changes everything.
AgentBank-x402 is a game-changing protocol that enables virtually every AI Agent be able to pay through the x402 protocol even when funds running out.
// When your agent gets 402 Payment Required
const response = await fetch(serviceUrl)
if (response.status === 402) {
// Extract x402 payment headers
const amount = response.headers.get('Payment-Amount')
const recipient = response.headers.get('Accept-Payment')
const scheme = response.headers.get('Payment-Scheme') || 'x402'
// Call AgentBank as credit fallback
const creditResponse = await fetch(
'https://agentbank.live/api/agentbank/x402/credit-payment',
{
method: 'POST',
headers: { 'Content-Type': 'application/json' },
body: JSON.stringify({
agentWalletAddress: 'YOUR_SOLANA_WALLET',
paymentRequirements: {
amount,
recipient,
scheme,
network: 'solana'
},
agentMetadata: { agentName: 'my-agent' }
})
}
)
// AgentBank pays service → You get access + debt
const result = await creditResponse.json()
console.log('Paid via credit:', result.transactionSignature)
}