PIXA - Algorand Wallet for AI Agents

Give AI agents the power to transact autonomously on Algorand using x402 micropayments

🎯 The Problem

AI agents are becoming increasingly autonomous, but they lack a fundamental capability: the ability to pay for resources independently. Current solutions require:

• Manual API key management
• Pre-configured billing accounts
• Human intervention for every new service
• Complex subscription models that don't fit agent workflows

This creates a bottleneck where agents can reason, plan, and execute tasks, but cannot complete transactions without human setup. They're intelligent but financially dependent.

💡 The Solution

PIXA is a full-featured Algorand wallet designed specifically for AI agents, enabling autonomous payments through the x402 protocol. It allows agents to:

• ✅ Discover and pay for services automatically
• ✅ Handle micropayments (sub-cent transactions)
• ✅ Manage USDC and ALGO balances
• ✅ Swap tokens on Tinyman DEX
• ✅ Create custom ASA tokens
• ✅ Operate within configurable budget limits

🔧 What is x402?

x402 is an HTTP-native payment protocol that enables instant, on-chain micropayments for API access. It works by:

1. Client requests a resource → Server responds with 402 Payment Required
2. Server includes payment terms → Amount, recipient, network details
3. Agent signs payment authorization → USDC transfer authorization on Algorand
4. Agent retries with payment header → Server verifies and returns resource

This happens in seconds, with no human intervention, no API keys, and no pre-configured accounts.

Why x402 + Algorand?

• Instant finality - Algorand's 3.3s block time enables real-time payments
• Low fees - ~$0.001 per transaction, perfect for micropayments
• Pure Proof of Stake - Energy-efficient and sustainable
• Native USDC - Circle's USDC is native to Algorand, no bridging needed

🚀 Features

Core Wallet Operations

• check_balance - View USDC and ALGO balances
• transfer_usdc - Send USDC to any Algorand address (supports NFD names)
• transfer_algo - Send ALGO for gas fees
• spending_report - Track spending history and budget usage
• request_funding - Generate Algorand payment URIs for funding

x402 Payment Protocol

• pay - Sign x402 payment authorizations
• x402_fetch - Fetch URLs with automatic x402 payment handling
• search_bazaar - Discover x402-gated AI services

DeFi Integration

• tinyman_swap - Swap tokens on Tinyman DEX
• create_token - Create custom ASA tokens on Algorand

📦 Installation Options

Publishable npm Package

The MCP server package is designed to publish as pixa-wallet-mcp, so developers can install it directly with:

{
  "mcpServers": {
    "pixa": {
      "command": "npx",
      "args": ["-y", "pixa-wallet-mcp"],
      "env": {
        "ALGORAND_MNEMONIC": "your 25-word mnemonic",
        "NETWORK": "algorand-testnet",
        "MAX_PER_CALL": "0.10",
        "MAX_PER_DAY": "20.00"
      }
    }
  }
}

For Non-Technical Users: .mcpb Extension

Download and double-click pixa.mcpb - that's it! The extension installs automatically in Claude Desktop.

Download: Latest Release

For Technical Users: JSON Configuration

Add to your MCP config file:

{
  "mcpServers": {
    "pixa": {
      "command": "npx",
      "args": ["-y", "pixa-wallet-mcp"],
      "env": {
        "ALGORAND_MNEMONIC": "your 25-word mnemonic",
        "NETWORK": "algorand-testnet",
        "MAX_PER_CALL": "0.10",
        "MAX_PER_DAY": "20.00"
      }
    }
  }
}

Config locations:

• macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
• Windows: %APPDATA%\Claude\claude_desktop_config.json

🏗️ Architecture

## 🗂️ Repository Layout

The repo is split so the npm-publishable MCP package stays clean at the root, while demo and deployment assets live in grouped folders:

- `src/`, `dist/`, `__tests__/`, `scripts/` — publishable MCP server package
- `services/pixa-hub/` — backend treasury payment service
- `examples/algorand-apis/` — Algorand API experiments and seller examples
- `examples/pizza-api/` — example paid API used in demos
- `apps/onramp-hosting/` — externally hosted Onramp UI
- `sandbox/preview/` — local browser preview pages
- `sandbox/tmp-mcpb-check/` — unpacked MCP bundle inspection output
- `docs/pitch/` — pitch materials and judging prep
┌─────────────────┐
│   AI Agent      │
│  (Claude, etc)  │
└────────┬────────┘
         │ MCP Protocol
         ▼
┌─────────────────┐
│  PIXA Wallet    │
│  MCP Server     │
├─────────────────┤
│ • Balance Check │
│ • Transfers     │
│ • x402 Payments │
│ • DEX Swaps     │
│ • Token Creation│
└────────┬────────┘
         │ Algorand SDK
         ▼
┌─────────────────┐
│   Algorand      │
│   Blockchain    │
└─────────────────┘

🔐 Security Features

• Budget Limits - Configurable max per call and daily spending caps
• Spending Tracking - Complete audit trail of all transactions
• Secure Key Storage - Mnemonics stored in OS keychain (for .mcpb)
• NFD Resolution - Human-readable names instead of raw addresses
• Transaction Confirmation - Wait for on-chain confirmation before proceeding

🎮 Try It Live

Test PIXA with our Unified AI Layer endpoint:

https://unified-agent-layer-production.up.railway.app/v1/chat

Ask your AI agent:

"Access https://unified-agent-layer-production.up.railway.app/v1/chat and ask it to explain quantum computing"

The agent will:

1. Detect the 402 payment requirement ($0.005)
2. Sign a USDC payment authorization
3. Retry with payment header
4. Return the AI response

🔮 Future Roadmap

1. On-Ramp/Off-Ramp via Mudrex

Enable agents to convert fiat ↔ crypto autonomously, removing the need for users to manually fund wallets.

2. Multi-Chain x402 Support

Expand to Ethereum, Polygon, and other chains while keeping Algorand as the settlement layer for:

• Final settlement of cross-chain transactions
• Dispute resolution
• Proof aggregation

3. Robust On-Chain Guardrails

• Smart contract-based spending limits
• Multi-sig requirements for large transactions
• Time-locked payments
• Whitelist/blacklist for recipient addresses

4. CLI Version

Command-line interface for:

• Server deployments
• CI/CD integration
• Headless agent environments
• Advanced scripting and automation

🛠️ Technical Stack

• Language: TypeScript
• Runtime: Node.js 18+
• Protocol: Model Context Protocol (MCP)
• Blockchain: Algorand
• SDK: AlgoSDK, @x402-avm
• Package Format: .mcpb (MCP Bundle)

📊 Use Cases

1. Autonomous Research Agents

Agents that need to access paid research databases, academic papers, or specialized APIs.

2. Content Creation Agents

AI agents that pay for image generation, video processing, or premium content APIs.

3. Data Analysis Agents

Agents that purchase real-time market data, weather data, or other premium datasets.

4. Multi-Agent Collaboration

Agents paying other agents for specialized services in a decentralized marketplace.

🏆 Hackathon Highlights

Innovation

• First full-featured Algorand wallet designed specifically for AI agents
• Seamless integration of x402 protocol with MCP
• Dual installation methods (technical and non-technical users)

Technical Excellence

• 10 comprehensive tools covering wallet, DeFi, and payments
• Built-in budget controls and spending tracking
• NFD name resolution for user-friendly addresses
• Tinyman DEX integration for token swaps

User Experience

• One-click installation via .mcpb for non-technical users
• Simple JSON config for developers
• Automatic payment handling - agents "just work"
• Real-time transaction confirmation

Algorand Integration

• Native USDC support (no bridging)
• Tinyman DEX integration
• ASA token creation
• NFD name resolution
• Pure Proof of Stake benefits

📝 License

MIT License - See LICENSE for details

🔗 Links

• Website: pixa-wallet.vercel.app
• GitHub: github.com/soumyacodes007/algorand-wallet
• Unified AI Layer: unified-agent-layer-production.up.railway.app

🤝 Contributing

We welcome contributions! Please see our contributing guidelines for more details.

Built with ❤️ for the Algorand ecosystem

Empowering AI agents to transact autonomously, one micropayment at a time.