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.

Where to go next

• docs/SETUP_LINUX.md
• docs/SETUP_WINDOWS.md
• docs/SETUP_MACOS.md
• docs/SETUP_MOBILE.md — iOS and Android via PWA
• docs/AGENT_INTEGRATION.md — wiring up Claude, MCP clients, or any HTTP-based agent framework
• docs/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 .env to an OS keychain or HSM/KMS for anything beyond development — see core/keystore.js for 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].