Agentic Finance 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 like x402 and 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. Agent402 is the applied layer of agentic finance: the tools agents buy, the index and router that find and pay the best seller, the tollbooth that lets any site earn from agents, and the transparency that proves it all on chain.
Agentic payments are the wire. Agentic finance is what forms on top of it once thousands of agents and sellers are transacting: price discovery, routing between competing sellers, reliability signals, spend controls, receipts and transparent revenue. The middle two layers are where the leverage is.
Autonomous software with a wallet: MCP-connected assistants, crawlers, trading and research agents, other services' agents.
Discovery, routing, pricing, reliability, receipts, transparency. Where an agent finds the right service and pays it once, safely.
x402 (HTTP 402 with machine-readable requirements) and MPP (the Payment HTTP auth scheme). Open, HTTP-native, wallet-as-identity.
Stablecoins settled on public chains: USDC on Base, Solana, Polygon, Arbitrum, Monad, Celo, Avalanche, Sei, Optimism, Stellar and Algorand; USDG on Robinhood Chain; native Tempo.
Open source, self-hostable, two-sided, and live on both open protocols. Everything below settles on mainnet today, and every claim links to the surface that proves it.
Search, browser, PDFs, OCR, live financial and crypto data, SEC filings, forecasting, an OpenAI-compatible LLM gateway. Every one deterministic, priced, and settled on chain, over x402 or MPP.
browse the catalog →One call resolves a task to the best seller across the whole ecosystem, ours or anyone's, pays them on the agent's behalf and relays the result. Only sellers with proven on-chain settlement are routable.
open index →Charge AI agents per request on your own site or API over both wires, humans free, non-custodial. Open source, one middleware.
sell into it →Live revenue by rail and wire, the seller leaderboard, uptime measured from outside, refunds ledgered. Numbers you can check, not claims.
see the numbers →Agent402 publishes its own agentic-finance numbers live rather than asserting them: external per-call payments settled on chain by rail and by wire on the revenue page, the on-chain seller leaderboard, availability measured from outside on the status page, and a daily canary that buys real tools over both x402 and MPP so "it works" is re-proven continuously. Machine-readable: /api/revenue, /api/leaderboard, /api/status.
Agentic Finance, AIFI for short, is the practice of software agents transacting on their own: discovering a service, reading a machine-readable price, paying per request from a non-custodial wallet, 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.
Agentic payments is the plumbing: a wire format that lets a program pay another program (x402 and MPP are the two open ones). Agentic commerce usually means agents buying goods for humans through checkout flows. Agentic finance is the machine-to-machine economy that forms on top of the plumbing: price discovery, routing between competing sellers, reliability signals, treasury and spend controls, and transparent revenue, all operated by and for autonomous agents.
Two open HTTP-native standards carry it: x402 (an HTTP 402 with machine-readable payment requirements, settled in USDC by a facilitator on chains such as Base, Solana, Polygon and others) and MPP, the Machine Payments Protocol (the IETF-track Payment HTTP authentication scheme, settled on Base and Celo, or natively on Tempo). Both put the price in the 402 and the payment in the retry, so an agent needs nothing but a funded wallet.
Agent402 is the applied layer: a catalog of 500+ deterministic pay-per-call tools an agent can buy over x402 or MPP, the open cross-seller index and Smart Order Router that finds and pays the best external seller on the agent's behalf, an on-chain seller leaderboard, live revenue transparency, and the open-source tollbooth that lets any site or API earn per request from agents. It is open source and self-hostable.
To pay, an agent needs a wallet holding a stablecoin (USDC, or USDG on Robinhood Chain, or PathUSD/USDC on Tempo) on a supported chain; gas is sponsored on the EVM rails, so no native token is required. Agent402 also offers a free tier: pure-CPU tools are payable with a proof-of-work solve instead of money, so an agent without a wallet still has a path through.
It is settling on mainnet every day. Agent402 publishes its own numbers live: thousands of external per-call payments settled on chain, twelve payment rails, and a daily canary that buys real tools over both x402 and MPP so the claim is re-proven continuously. Every figure on the revenue page links to its on-chain proof.
Put a price on an endpoint and answer 402. The fastest path is the open-source agent402-tollbooth: one Express middleware or reverse proxy that charges AI agents per request over x402 and MPP while humans browse free, non-custodial, no signup. Then register your origin so the index and router can find you.
Give your agent 500+ tools it can pay for over x402 or MPP, or put a price on your own API and let agents pay you. Both are free to start.