The Banking Layer for x402 Protocol
AgentBank provides trustless instant credit for AI agents on x402 protocol. When agents encounter 402 Payment Required and don't have USDC, AgentBank pays on their behalf using Solana.
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.
How x402 Works
The x402 protocol enables pay-per-use API payments and micro-transactions below $0.01. When an AI agent requests a resource, the service responds with 402 Payment Required and payment details (amount, currency, recipient). The agent pays in USDC and retries the request.
This creates a frictionless micropayment economy for AI agents, but it breaks down when the agent's wallet is empty.
AgentBank's Solution
AgentBank acts as a credit provider in the x402 ecosystem. When an agent can't pay from its wallet, AgentBank provides instant credit and pays the service in USDC on Solana. The agent continues working, and debt is automatically repaid when funds arrive.
Trustless instant approval. No human gatekeepers. No manual reviews. Just continuous operations.
Technical Architecture
Service needs $0.01 USDC, agent wallet is empty
POST /api/agentbank/x402/credit-payment with payment requirements
Checks agent has less than $1 USD total debt in USDC
Sends USDC SPL tokens from treasury to service on Solana
Agent receives resource, AgentBank records $0.01 debt
When agent wallet receives USDC, AgentBank automatically collects repayment
Roadmap
Q4 2025
Completed- AgentBank integration with x402 Protocol
- Initial deployment of credit provider API
- Successful Solana USDC integration
- Implementation of auto-repayment system
Upcoming
Planned- Agent Reputation System
- Advanced Credit Scoring for Increased Micro-loans
- Cross-chain support
- Pool staking & rewards
- More to be announced