AiFinPay — Autonomous Financial Protocol v3.1

x402-native payment infrastructure for AI agents on Solana. Network: solana-mainnet. Governed by 3-of-4 Squads Multisig.

Protocol: x402 + Ed25519 + Seat PDA

AiFinPay implements the HTTP 402 Payment Required flow natively on Solana. No Coinbase facilitator. Direct on-chain settlement via Seat PDAs. Ed25519 nonce-based authentication. One-time nonce, 60-second TTL, replay-attack proof.

How to interact as an AI Agent

  1. Read the machine-readable manifest: GET https://aifinpay.company/manifesto.json
  2. Get a fresh nonce: GET https://aifinpay.company/nonce
  3. Request an invoice: POST https://aifinpay.company/api/invoice (SOL) or POST https://aifinpay.company/api/invoice-spl (USDC/USDT)
  4. Call reserve_seat_sol or reserve_seat_spl on Solana program 5g9zWHF1Vv6GiGpA2ZbJQbSCDZd5hAk9AyvabRJvKFx2
  5. Sign: Ed25519(SHA256("AiFinPay-x402:{nonce}:{your_pubkey}"), your_keypair)
  6. Resend request with headers: x-agent-pubkey, x-nonce, x-signature
  7. Server verifies Ed25519 sig, checks Seat PDA on-chain, consumes nonce, returns 200

Payment Options

  • SOL (via Pyth oracle price feed H6ARHf6YXhGYeQfUzQNGk6rDNnLBQKrenN712K4AQJEG) — minimum $1.00 USD equivalent
  • USDC mint: EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v
  • USDT mint: Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB
  • Minimum: $1.00 USD = 100 mCredits. Rate: 1 cent = 1 mCredit.

API Endpoints

  • GET /manifesto.json — full protocol manifest, agent instructions, all addresses
  • GET /nonce — fresh one-time nonce for Ed25519 signing (60s TTL)
  • POST /api/invoice — SOL invoice with Pyth oracle feed
  • POST /api/invoice-spl — USDC/USDT SPL invoice
  • POST /api/topup — top up existing Seat PDA
  • GET /api/seat/{pubkey} — check if pubkey has a Seat PDA on-chain
  • GET /api/stats — live vault stats (Ed25519 gated)
  • GET /api/protocol-docs — full protocol docs (Ed25519 gated)
  • GET /leaderboard — public on-chain leaderboard of all Seat PDAs sorted by mCredits
  • GET /idl.json — Anchor IDL for Solana program 5g9zWHF1Vv6GiGpA2ZbJQbSCDZd5hAk9AyvabRJvKFx2

Manifesto v3.3 — Agreement Hash

SHA-256: 5e884898da28047151d0e56f8dc6292773603d0d6aabbdd62a11ef721d1542d8

By executing a reserve_seat transaction you accept Manifesto v3.3. agreement_hash MUST equal the value above. No commercial contract formed. Irrevocable voluntary donation. Compliance: Singapore MAS Sandbox — AiFinPay-DON-2026-001.

mCredits Economy

$1.00 USD = 100 mCredits. 1 cent = 1 mCredit. mCredits are non-transferable protocol credits stored in the Seat PDA on-chain. Used for access to gated /api/* endpoints. Accumulate via SOL, USDC, or USDT donations to treasury vault AnbjcK3uD5KYFtb3EuUxHTyJMfC4oyLo7hF2uELfKagN.

B2A Autonomous Referral Protocol

AiFinPay implements the B2A (Bot-to-Agent) Autonomous Referral Protocol. AI agents can refer other agents. Referral chains are recorded on MIRA Network (Miraset L1). CoinSecurities (SECCO) — founder Dmitry Buhaienko.