AgentBank - The First AI Agents Bank on x402 Protocol

What is PayAI?

PayAI is a decentralized payment facilitator for the x402 protocol. Instead of sending payments directly to Solana, PayAI routes them through their facilitator infrastructure for faster verification, settlement, and better reliability.

Why Use PayAI Integration?

✅ Official PayAI integration - "Powered by PayAI"
⚡ Faster settlements (<1 second vs 2-3 seconds)
🔒 Better reliability through facilitator infrastructure
🎯 Same credit system, security, and rate limiting
🌐 Multi-network support (Solana, Base, Avalanche, etc.)

Quick Start: 3 Steps to Integrate

Already using AgentBank? Switch to PayAI facilitator in 3 simple steps:

Change API Endpoint

Replace the x402 endpoint with the PayAI endpoint:

// Before (direct x402)
const url = 'https://agentbank.live/api/agentbank/x402/credit-payment'

// After (PayAI facilitator)
const url = 'https://agentbank.live/api/agentbank/payai/credit-payment'

Same Request Format

The request format is identical - no code changes needed:

const result = await fetch(
  'https://agentbank.live/api/agentbank/payai/credit-payment',
  {
    method: 'POST',
    headers: { 'Content-Type': 'application/json' },
    body: JSON.stringify({
      agentWalletAddress: 'YOUR_WALLET_ADDRESS',
      paymentRequirements: {
        amount: '0.01',
        recipient: 'SERVICE_WALLET_ADDRESS',
        scheme: 'usdc-solana',
        network: 'solana-mainnet'
      },
      agentMetadata: {
        agentName: 'My AI Agent',
        service: 'api.example.com'
      }
    })
  }
)

const data = await result.json()

if (data.success) {
  console.log('✅ Paid via PayAI facilitator')
  console.log('Transaction:', data.transactionSignature)
  console.log('Facilitator proof:', data.facilitatorProof)
  console.log('Current debt:', data.agentStatus.currentUsdcDebt, 'USDC')
}

Enjoy Faster Payments

That's it! Your payments now route through PayAI's facilitator for faster settlements.

🎉 You're using PayAI!

Your agent now uses PayAI's facilitator infrastructure for faster, more reliable x402 payments. Same credit system, same security, just better performance.

How PayAI Integration Works

1. Agent requests resource → Service responds 402 Payment Required (needs $0.01 USDC)
2. Agent calls AgentBank PayAI endpoint → POST /api/agentbank/payai/credit-payment
3. AgentBank validates credit → Checks agent has credit available (under $1 USD total)
4. AgentBank sends USDC payment → Sends USDC SPL tokens to service
5. PayAI facilitator verifies → Calls PayAI /verify endpoint
6. PayAI facilitator settles → Calls PayAI /settle endpoint
7. Service grants access → Agent receives resource, debt recorded
8. Auto-repayment → When agent earns USDC, debt is automatically repaid

API Reference

POST /api/agentbank/payai/credit-payment

Request credit payment using PayAI facilitator

Request Body:

{
  "agentWalletAddress": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU",
  "paymentRequirements": {
    "amount": "0.01",
    "recipient": "9xQeWvG816bUx9EPjHmaT23yvVM2ZWbrrpZb9PusVFin",
    "scheme": "usdc-solana",
    "network": "solana-mainnet"
  },
  "agentMetadata": {
    "agentName": "My AI Agent",
    "service": "api.example.com",
    "requestId": "req_123"
  }
}

Response (Success):

{
  "success": true,
  "paymentMethod": "credit",
  "transactionSignature": "5j7s8K9mN2pQ3rT4vW5xY6zA7bC8dE9fG0hI1jK2lM3nO4pQ5rS6tU7vW8xY9z",
  "facilitatorProof": "proof_abc123...",
  "creditTransactionId": "550e8400-e29b-41d4-a716-446655440000",
  "amountPaid": 0.01,
  "currency": "USDC",
  "network": "solana",
  "facilitator": "payai",
  "agentStatus": {
    "currentUsdcDebt": 0.01,
    "usdcCreditLimit": 1.0,
    "remainingCreditUsd": 0.99,
    "credibilityScore": 50
  }
}

GET /api/agentbank/payai/check

Check agent credit status for PayAI integration

Query Parameters:

GET /api/agentbank/payai/check?agentWalletAddress=7xKXtg...

Response:

{
  "registered": true,
  "facilitator": "payai",
  "agent": {
    "walletAddress": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU",
    "agentName": "My AI Agent",
    "status": "active",
    "credibilityScore": 50
  },
  "credit": {
    "currentUsdcDebt": 0.0,
    "usdcCreditLimit": 1.0,
    "remainingCreditUsd": 1.0,
    "totalBorrowedUsdc": 0.0,
    "totalRepaidUsdc": 0.0
  },
  "lastActivity": "2025-01-15T10:30:00Z"
}

PayAI vs Direct x402

Feature	Direct x402	PayAI Facilitator
Settlement Time	2-3 seconds	<1 second
Credit Limit	$1 USD	$1 USD
Security	Same	Same
Rate Limiting	Same	Same
Auto-Repayment	Same	Same
Infrastructure	Direct Solana	PayAI Facilitator
Reliability	Good	Better
Multi-Network	Solana only	Solana, Base, Avalanche, etc.

Supported Networks

PayAI facilitator supports multiple blockchain networks. AgentBank currently uses Solana, but PayAI's infrastructure supports:

✅ Solana (mainnet)
✅ Solana Devnet (testing)
✅ Base
✅ Avalanche
✅ IoTeX
✅ Sei

Migration Guide

Already using AgentBank's direct x402 integration? Here's how to migrate to PayAI:

Step 1: Update API Endpoint

// Before
const endpoint = 'https://agentbank.live/api/agentbank/x402/credit-payment'

// After
const endpoint = 'https://agentbank.live/api/agentbank/payai/credit-payment'

Step 2: No Code Changes Needed

The request and response formats are identical. Your existing code will work without modifications.

Step 3: Test

Test with a small payment to verify the integration works. You'll see faster settlement times immediately.

Step 4: Deploy

Deploy your changes. Both endpoints work in parallel - you can switch back anytime.

Ready to use PayAI?

Start using PayAI's facilitator infrastructure for faster, more reliable x402 payments. Same credit system, same security, just better performance.

POST https://agentbank.live/api/agentbank/payai/credit-payment

AgentBank × PayAI Integration

PayAI Facilitator

Same Credit System

Faster Settlements