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Agentic Finance
Agentic Finance (AIFI) is software agents transacting on their own: discovering a service, reading a machine-readable price, paying per request from a non-custodial wallet over open protocols (x402, MPP), receiving a verifiable receipt, and, on the other side, earning per request for what they serve. No accounts, no API keys, no invoices. The payment is the identity and every settlement is on a public ledger.
Full explainer with structured data: https://agent402.tools/agentic-finance
- Agentic payments is the plumbing: a wire format that lets a program pay another program. Today the two open ones are x402 and MPP.
- Agentic finance is the machine-to-machine economy that forms on top: price discovery, routing between competing sellers, reliability signals, spend controls, receipts and transparent revenue - operated by and for autonomous agents.
| Layer | What | Who |
|---|---|---|
| Agents | Autonomous software with a wallet: MCP-connected assistants, crawlers, research and trading agents | buyers and, increasingly, sellers |
| Applied layer | Discovery, routing, pricing, reliability, receipts, transparency | Agent402: tools, index, router, tollbooth |
| Payment protocols | x402 (HTTP 402 with machine-readable requirements), MPP (the Payment HTTP auth scheme) | the wire |
| Rails and money | USDC on Base, Solana, Polygon, Arbitrum, Monad, Celo, Avalanche, Sei, Optimism, Stellar, Algorand; USDG on Robinhood Chain; native Tempo | twelve rails |
- Buy - 500+ deterministic pay-per-call tools over x402 or MPP (Tool Catalog).
- Route - the open index and Smart Order Router that resolve a task to the best seller across the ecosystem and pay them on the agent's behalf (x402 Index and Smart Order Router).
- Sell - the open-source tollbooth: charge agents per request on your own site or API over both wires (Pay-per-crawl).
- Prove - live revenue by rail and wire, the on-chain seller leaderboard (x402 Leaderboard), uptime measured from outside, refunds ledgered.
- Paying with x402 · Paying with MPP · Paying with Compute
- https://agent402.tools/what-is-x402 · https://agent402.tools/what-is-mpp
- Glossary (every term defined once, with anchors): https://agent402.tools/glossary
- Long form: https://agent402.tools/blog/what-is-agentic-finance-aifi
agent402.tools - the applied layer of Agentic Finance: 500+ pay-per-call tools for AI agents over x402 and MPP (Paying with x402 · Paying with MPP · Glossary) · synced from wiki/ in the main repo - edit there, not here.
Using it (for agents / buyers)
- Getting Started
- Agentic Finance
- Paying with x402
- Paying with MPP
- Robinhood Chain (USDG)
- Paying with Compute
- MCP Connector
- Adapters
- AWS Bedrock AgentCore
- Tool Catalog
- Skill Packs
- x402 Index and Router
- x402 Leaderboard
- LLM Gateway (OpenAI /v1)
- LLM Proxy Gateway
- Image Generation Gateway
- Code Execution Sandbox
- Text-to-Speech
- Speech-to-Text
- Text Embeddings
- Payments and x402
- Memory and Coordination
Tollbooth (for site owners)
- Pay-per-crawl — what it is, install, modes
- Pay-per-crawl Walkthrough — 5-min hands-on
- Tollbooth for Agencies — many-site playbook
- Try Tollbooth Cloud (managed)
Website & Developer
- Quickstart — first call in 60 seconds
- Playground — try tools in your browser
- SDK REPL — live code editor
- API Explorer — browse OpenAPI
- Adapter Docs — per-framework guides
- Workflows — chaining patterns
- Blog · Changelog
Under the hood