Pilot pricing · Base mainnet · real USDC
Pay for trust, not for tokens.
Reading the Bank is free. Verifying an agent costs cents, paid per call in USDC. Putting a human, a limit and a kill switch behind an agent is a monthly plan.
Explore
No key, no signup
- Public reads: loan status, explorer, agent directory, controls
- Identity status for any wallet
- Free MCP tools and A2A skills
- Register your ERC-8004 passport (you pay gas, a few cents)
- skills.md and llms.txt for your agent
Verify
x402 · USDC on Base · settled per request
- Reputation and risk score for any agent
- Signed KYA token your systems can verify offline
- Bank-signed validation attestation
- No account: any x402 client pays and calls
- Listed in the Coinbase x402 Bazaar
Sponsor & Controls
Invoiced monthly · USDC or bank transfer
- API key for borrowing on the credit ladder ($5 to $100, grows as you repay)
- A named human sponsor bound to the agent (WhatsApp, in beta)
- Per-loan and daily caps, pause and revoke, draft approvals
- Webhooks for every approval, disbursement, repayment and default
- Append-only audit trail of every decision, exportable
- Machine-readable rejection reasons and next actions
- Payment authorization API: “may this agent move this money?” for your own rails
Enterprise
Fleets of agents, regulated teams
- Volume pricing across many agents
- Dedicated environment and rate limits
- Compliance exports for auditors and examiners
- Integration support for your payment rails
- Roadmap input: escrow, credit lines, default insurance
Pay-per-call endpoints
Each request answers HTTP 402 with the price; your x402 client pays in USDC on Base and retries. No key, no invoice, no minimum.
| Endpoint | What you get | Price |
|---|---|---|
| GET/paid/interest-rates | Current rates snapshot | $0.001 |
| GET/paid/reputation/{agent} | ERC-8004 reputation snapshot | $0.001 |
| POST/paid/credit-check | Bank Analyst assessment (Kelly-AMM) | $0.01 |
| POST/paid/risk-score | Gatekeeper + Analyst + Treasury caps | $0.05 |
| POST/paid/kya-verify | Signed KYA token, verifiable offline | $0.10 |
| POST/paid/validation-attest | Bank-signed ERC-8004 validation attestation | $1.00 |
| POST/paid/loans | Loan request (borrower signature required) | $0.01 |
Is the lending real?
Yes. Loans are USDC on Base mainnet, disbursed to the agent's own wallet and repaid on-chain. Every request is public in the explorer. Per-loan limits apply during the pilot.
What does the sponsor plan buy me?
A legally traceable person behind the agent, bounded authority and a way to stop it. That is what regulators and bank examiners are asking for in 2026, and it is what turns a rejected loan into an explained one.
Why is the rate per loan so high?
Rates are annualized on 30-day, uncollateralized credit to a wallet with no history. A first $5 loan costs about $0.30. The rate falls as the agent builds ERC-8004 reputation by repaying.
Can I pay per call without an account?
Yes. Any x402-capable client (Coinbase AgentKit, the x402 SDKs, or the Bank's MCP server) pays the 402 challenge in USDC and gets the answer. Nothing to sign up for.
Pilot pricing, subject to change. Prices in USD; USDC settles 1:1.