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AiFinPay is payment infrastructure for AI agents — Stripe for autonomous agents. One line of code, agent.pay(url), settles a real on-chain payment and returns the gated response. No API key, no KYC, no custodian. The protocol is token-free: there is nothing to buy, list, or hold to use it.
You’ll need a few cents of MATIC on Polygon to fund your agent’s wallet. The SDK generates the wallet for you — you just send funds to the address it prints.
1

Install the SDK

Pick your language. Both packages are published as stable 1.0.0.
2

Create an agent

Agent.new() generates a fresh keypair and prints the funding address. Persist the secret (secret_b58 / secretB58) if you want to reuse this agent identity later.
3

Fund the wallet

Send a small amount of MATIC to the address printed above — a few cents is plenty for the example call. Funds stay in your agent’s own wallet until a payment settles; AiFinPay never holds them.
4

Make a paid call

agent.pay(url) handles the full HTTP 402 handshake for you: it reads the payment challenge, signs it, settles on-chain, retries the request with the proof headers, and returns the gated response.
5

See the result

You get back the upstream response body — in this case a model completion. The x-payment-receipt header carries the on-chain transaction hash, so every paid call is independently verifiable on Polygonscan.

What just happened

You saw one function call. Under the hood:
1

402 challenge

The server returned HTTP 402 with a JSON block listing the chain, asset, payTo address, amount, and a one-time nonce.
2

Settle on-chain

The SDK submitted one transaction on Polygon mainnet — an atomic split (merchant / treasury / IP-creator) in a single tx. No custodian touches the funds at any point.
3

Retry with proof

The SDK retried your request with the payment proof headers, the server verified on-chain, forwarded to the upstream service, and returned the response.
mSECCO credits earned on paid calls are a non-transferable internal accounting unit — usage credits, not a tradable asset. There is no token to acquire to use AiFinPay.

Next steps

Python SDK

Full aifinpay-agent API: agent persistence, custom payloads, and fee-on-top split invoices.

Node / TypeScript SDK

Full @aifinpay/agent API for TypeScript and Node runtimes.

MCP server

Zero-code: drop @aifinpay/mcp into Claude Desktop, Cursor, or Windsurf and let the model pay for x402-gated APIs itself.

Framework adapters

Paste-and-run examples for LangChain, CrewAI, OpenAI Agents, AutoGPT, and Flowise.