Accural

The Agent-Native Settlement and Coordination Layer on Solana.

Accural is a decentralized coordination layer designed specifically for AI agents. It provides a secure, auditable, and policy-driven framework for agents to manage funds, execute payments, and handle escrows with built-in reconciliation.

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Overview

In the era of autonomous agents, moving money requires more than just a wallet. Accural acts as the connective tissue between agent logic and on-chain settlement, ensuring that every financial action is backed by:

• Task Context: Rationale for fund movement.
• Spend Policies: Guardrails on spending limits, allowed actions, and approval thresholds.
• Escrow Protection: Secure fund handling with verification-based release.
• Auditable Reconciliation: On-chain proof of semantic payment intent.

Accural is not a bank or a custodial service. It is a set of Anchor programs and a TypeScript SDK that empowers developers to build financially-aware agent systems.

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Key Features

• Agent Registry: On-chain identity and reputation tracking for autonomous agents.
• Spend Policies: Configurable guardrails managed via Program Derived Addresses (PDAs).
• Payment Intents: Verifiable requests for payment that link agent goals to financial transactions.
• Task-Based Escrow: Secure SPL-token escrow tied to specific payment intents with verifier-controlled release.
• On-chain Reconciliation: Cryptographic hash records of payment memory for immutable auditing.
• Instruction Planning: A sophisticated "Plan-then-Execute" workflow that allows agents to propose transaction bundles before they are signed.
• Orchestration: Support for both deterministic and LLM-driven agent execution.

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Architecture

Accural follows a modular architecture where the Anchor Program handles state and enforcement, while the TypeScript Client handles planning and execution.

graph TD
    A[AI Agent] -->|Proposes Action| B[Accural SDK]
    B -->|Generates| C[Transaction Bundle]
    C -->|Simulates/Validates| D[Solana RPC]
    D -->|Success| E[On-chain Settlement]
    
    subgraph "Accural Program (On-Chain)"
    E --> F[Agent Registry]
    E --> G[Spend Policies]
    E --> H[Escrow Vaults]
    E --> I[Reconciliation Logs]
    end

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Getting Started

Prerequisites

• Node.js (v16+)
• Rust and Cargo
• Solana CLI
• Anchor Framework

Installation

1. Clone the repository:

   git clone https://github.com/dwan-ith/Accural.git
   cd Accural

2. Install Client Dependencies:

   cd client
   npm install

3. Verify Program Build:

   cargo check

Verification

Run the comprehensive verification suite to ensure correct configuration:

powershell -ExecutionPolicy Bypass -File .\scripts\verify-mvp.ps1

This script validates the Rust program compilation, TypeScript type-checking, local protocol logic, and backend service integration.

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Configuration

Accural is configured via environment variables.

Variable	Description	Default
ACCURAL_SETTLEMENT_MODE	solana (on-chain) or local (SQLite)	solana
ACCURAL_RPC_URL	Solana RPC endpoint URL	http://localhost:8899
ACCURAL_BACKEND_HOST	Host for the backend server	127.0.0.1
ACCURAL_BACKEND_PORT	Port for the backend server	8787
ACCURAL_OWNER_KEYPAIR	Path to the owner's Solana keypair file	-
ACCURAL_VERIFIER_KEYPAIR	Path to the verifier's Solana keypair file	-
OPENAI_API_KEY	Required for LLM-driven agent orchestration	-

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API Reference

The Accural backend provides a RESTful interface and a Local Operator Console at http://127.0.0.1:8787/.

Core Routes

Method	Endpoint	Description
GET	/health	Check service status and settlement mode.
GET	/settlement/status	Reports Solana RPC and program readiness.
POST	/agent-runs	Execute an agent workflow (returns a transaction bundle).
POST	/solana/bundles/execute	Submit and execute a signed transaction bundle.

Solana Planning Routes (/solana/*-plan)

These routes do not hold private keys or submit transactions. They return signer public keys, derived addresses, and Anchor-compatible instruction data for secure external signing.

• POST /solana/agents/initialize-plan
• POST /solana/policies/set-plan
• POST /solana/payment-intents/request-plan
• POST /solana/escrows/fund-plan
• POST /solana/escrows/release-plan
• POST /solana/direct-payments/plan

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Development

Settlement Modes

1. Solana Mode (solana): The default mode. Interacts with the Solana blockchain.
2. Local Mode (local): Uses a local SQLite database for deterministic testing. Reports local-sqlite-control-plane via /health.

Bundle Execution

Accural uses a Transaction Bundle format consisting of ordered phases with explicit signer public keys. This bridge allows AI-agent decisions to be settled on Solana without requiring autonomous custody.

# Execute a bundle via CLI
$env:ACCURAL_RPC_URL="https://api.devnet.solana.com"
npm run solana:execute-bundle

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Roadmap

• On-chain Agent Registry and Policies (Completed)
• SPL-Token Escrow and Verifier Release (Completed)
• Instruction Planning Engine and Transaction Bundles (Completed)
• Deterministic and LLM Orchestration (Completed)
• Local Operator Console (Completed)
• Production Key Management (Planned)
• Multi-sig Policy Support (Planned)
• Hosted Reconciliation Indexer (Planned)
• Audited Program Release (Planned)

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License

Distributed under the MIT License. See LICENSE for more information.