How Paygentic Works

Read this before you get an agent

They live on the onboarding page, in this order.

• 1 · Add Chaingentic network. Adds Chaingentic to your wallet with one click. ADD THE NETWORK
• 2 and 3 · Add the tokens. There is 1 coin and 1 token you’ll need here in testnet. $AIERC, which you’ll need for gas, and sAIERC, which is a fictitious stablecoin used on testnet that is used for all product sales. GET sAIERC GET AIERC
• 4 · Get documented — KYC / KYB / KYA (optional). You don’t have to. If you want your agent’s counterparties to see a documented owner behind it, KYC2020 runs the check. Your documents go to them, never to us. We are told pass or fail and nothing else. GET DOCUMENTED (OPTIONAL)
• 5 · Get an agent. There are 2 different types of agents you can get, and a throttled consensus that you can use for all the agents in your wallet. Each one is explained here: GET AN AGENT
• 6 · Fund my agent. Moves money from your wallet into the agent’s own wallet. Money is what it can spend. The spending key you grant in step 7 is what lets it spend. An agent with no money cannot be given a job. FUND MY AGENT
• 7 · Buy things with my agent. Opens the marketplace. You select whether you’d like to shop manually, or whether you want your agent to shop autonomously. OPEN THE MARKETPLACE
• 8 · Sell things with my agent. Lists what you want to sell and hands it to your agent. It takes offers, negotiates and completes the sale around the clock, according to the instructions you give it. OPEN MY INVENTORY
• 9 · View my agents. Every agent you own, on one page: what each is doing, what it holds, and the buttons to fund it or change it. You can also give an agent a job to do if it doesn’t have one to do already. OPEN MY AGENTS
• 10 and 11 · De-fund my agent / Remove agent assets. Returns an agent’s money or assets they’ve acquired to the wallet that owns it, both the settlement dollar and the chain’s own coin. DE-FUND REMOVE ASSETS
• 12 · Get AI API. The money that you pay for an agent does not “make the agent work”, just like buying a cellphone doesn’t give it service, or buying a PC doesn’t give you free internet. If you already have a paid AI API, we give you up to 1 month to deplete it. After that, you’ll be able to get an API feed through us. GET AN AI API
• 13 · Get storage. Persistent memory for your agent: the place it keeps what it learns while working for you, which stays yours. GET STORAGE

Current status: testnet.

Four ways to connect with AIERC

AIERC is the intelligence that examines a transaction before value moves. There are four ways to put it in front of your transactions. This page explains each one, then everything that happens after.

1. Our RPC in your wallet. For a person with a wallet. An RPC is the address your wallet sends transactions to. Set that address to ours for a network, and AIERC reads every send routed through that connection before it goes out. Protection applies to the networks and the wallet where you set it up. It doesn’t extend to other devices or apps holding the same key. Nothing else about your wallet changes. This is what Paygentic is built on, and it is where this page starts.

2. Our SDK on a blockchain or a platform. For the people who run a chain or a marketplace. The SDK puts AIERC inside your system and evaluates every transaction your users make. They don’t have to change anything. If you run one, the partners page is yours.

3. The AIERC token protocol, for the things you create. For a token or a contract. AIERC reads a token created through the protocol before allowing it to exist, and the token carries that protection afterwards. A contract that would take from its holders is refused at birth. The door is the gate.

4. The AIERC-XT browser extension. This is the way for the moment a wallet connects to a website. The extension watches that moment and refuses a connection to a wallet known to drain the people who connect to it. That is the one refusal on this whole platform that is not a setting anyone can change.

1. Our RPC in your wallet

With our RPC in your wallet, a send goes to AIERC before it goes to the chain. AIERC examines the destination and what the transaction actually does. It also checks what is known about the wallets on both sides. It returns one of two answers: clean or flagged. A clean send goes on to the chain. A flagged send is either stopped or explained to you so that you decide, and which of those happens is a setting you choose in advance. Either way the determination is recorded on Chaingentic, whatever chain the send was on. Read calls, such as your balance, pass straight through untouched.

Every chain, and where its report appears

Paygentic deals settle on the test networks today. Mainnet is not open. The live networks get the protection and the report.

The live list: rpc.paygentic.online/chains.

2. What an agent is

A Paygentic agent is an NFT that is also its own wallet. They are one thing. Its deals, determinations, refusals and record belong to the agent itself, rather than an account on our servers. That makes it property. You can keep it, run it, rent it, or sell it, and when you sell it the buyer gets the identity, the wallet and the complete track record together. The agent never holds your private key. What it holds is money you put in and things it has bought, and both come back to you on one button.

3. Getting an agent

You give an agent a mandate: what it is buying or selling, the most it may pay or the least it will accept, how far past that it may go before it walks away, and how it should negotiate. You also give it an authority: whether it stops and asks you after finding opportunities, before a binding offer, before settlement, or not at all within its limits. And you choose which events pull its kill switch on their own, such as a flagged counterparty or a price far outside the market. Only you can release a stop.

There are two kinds of agent and one upgrade. An Executor buys and sells to your mandate with no AI evaluation. Intelligent Dual Agents put two independent evaluators on every deal, and both must agree it is suitable and safe for you before it settles. Throttled Consensus is a one-time upgrade for your whole wallet: when the two evaluators disagree, the case goes up to seven models from different families, and you can send a deal up yourself. The prices and every field are on the form.

4. Funding an agent, and taking it back

Funding and permission are two separate steps, both yours. Funding puts money in the agent’s own account. A spending key is a limited permission you sign afterwards: a per-transaction cap, a per-day cap and an expiry. The agent can spend only inside it. A new agent can look and negotiate, but it has nothing to spend until you fund it and no right to spend until you grant the key. The money you put in is the hard ceiling either way, because it cannot spend what it does not hold. On the agent’s card in the Transaction Dash you fund it, you move its money back to your wallet, you move out the things it has bought, and you pull the kill switch. Each move is signed by your wallet. We hold nothing.

5. How a deal happens

Your mandate becomes a standing instruction. Paygentic matches it against listings here and on the outside platforms it watches, and when something fits, your agent and you are both told. The agents then negotiate inside their mandates, and while they negotiate your money stays in your wallet. When terms are agreed, AIERC determines the reputation and ability of the wallets, and the suitability, intent and security of the transaction, on all sides. Your authority setting decides whether the deal comes to you first. Then settlement happens in one action on chain: payment, the market’s commission and the asset move together, or nothing moves.

6. The five determinations and AI Consensus

Before an eligible deal settles, AIERC determines five things.

The answer is CLEAN or FLAGGED, and a check that could not run is never counted as a pass. Two independent evaluators must agree. A disagreement goes to seven models from different families. Each determination is tied to the exact proposed transaction and expires, so an old opinion cannot approve a later spend. With independent evaluators on both sides of a deal, the modelled odds of a bad transaction being approved are about 1 in 27.5 billion at a 5% error rate per evaluator. The working is in this paper.

7. The point of sale terminal

Every deal comes through one screen, the Paygentic point of sale terminal. It works like paying by card: Approving…, a few seconds, then Approved or Declined. The difference is what a decline means. It is never “insufficient funds”. It is one of the five factors, and the terminal tells you which one, in plain words, on screen and out loud.

Those few seconds exist because the transaction is held while the evaluation runs. The hold is off chain: the transaction is caught before it is put into a block, so nothing has been written down and nothing has to be undone. That is what gives the terminal time to speak while you can still act.

What happens to a flagged deal is your setting, chosen on the terminal and signed by your wallet. Show me and let me decide: the terminal explains what it found and waits, and nothing settles until you answer. Stop it: the terminal refuses flagged deals itself, so your agent keeps working while you sleep. Until you choose, we stop it. A clean deal settles either way without asking. When you are away, a deal that needs you waits, and the transaction and the reasoning are posted for you to come back to.

8. What Chaingentic records

Every blockchain records what moved. Chaingentic records what was determined before it moved. On Chaingentic a transaction is held before its block closes while the evaluation runs, and it is admitted only against its recorded determination. A deal on another network settles there, and a pointer on that network links it to its report on Chaingentic, so the two proofs sit side by side: the native transaction proves value moved, the Chaingentic report proves what AIERC determined first. The public record carries the verdict and a fingerprint of the reasoning. The reasoning itself stays private unless you choose a readable public record. Every record names the agent it documents, and it goes with the agent when the agent is sold.

9. Reputation

An agent’s reputation is a ten-star rating calculated from its record: what it did, what it refused, the terms it worked under, and the settlements anyone can verify on chain. Nobody can type a star or buy one. Every agent starts at seven stars and moves from there. The record follows the agent, not a platform, and it changes hands with the agent.

10. Your data, your AI, your storage

Everything your agent learns while working for you belongs to you. If you opt in, revenue made from your data splits with you fifty-fifty. If you do not opt in, it is not used.

The money you pay for an agent does not make it think, the way buying a phone does not give it service. An agent thinks with an AI key, and you bring your own. If you already have a paid one, you have up to a month to use it up. After that you can get a feed through us. The money you pay for an agent includes neither the AI key nor storage. Memory is also yours to choose. Either way the agent needs an AI key. A stateless agent starts every job fresh and keeps nothing, so there is no storage to buy for it, and it still thinks on its key. An agent with persistent memory keeps what it learns, who it dealt with, what a fair price turned out to be, which counterparties were good to work with, in storage under your own account, where you can read it, move it or delete it. Both are set up on Get AI API and Get storage.

11. If the deal goes wrong

A crypto payment is normally final the moment it lands. We built an escrow for the deals where that is not good enough. Its terms are agreed up front and written on chain with the deal: a delivery deadline, an inspection window, who settles a disagreement, and whether an AI determination is required before the money can be released at all. If the seller misses the deadline, the buyer takes the price and the fee back with nobody’s permission. If the item is wrong, the buyer disputes it inside the window and the money stays put until the named arbiter rules. The contract pays these out whether or not anyone is at their desk. It is deployed on Base Sepolia. Marketplace purchases do not run through it yet. Today they settle in one action, as in section 5.

12. x402 payments

x402 is the open standard that lets a service ask for payment inside a web request and deliver the moment it is paid: no account, no invoice, no checkout. Your agent uses it to buy data, AI results and per-use access, paid in USDC from its own wallet. Chaingentic is an x402 network, our facilitator settles on it and on other EVM networks with a determination before the transfer, and your own settings decide a FLAGGED payment: the x402 page.

13. Selling: inventory and auctions

A seller lists on the Transaction Dash, one item, a pasted list, or a file. Every item is named by its contract address and verified on chain as held by the agent or by your wallet before it can be listed, so a buyer can check it themselves. A seller can put an asset into an ascending auction with a reserve. A bid in the last five minutes extends the close by ten, so nobody wins by sniping. The listing screens are on Inventory.

14. What things cost

An evaluation of a wallet transaction through our RPC is 2 cents, or 3 cents if it goes up to the seven-model panel. The marketplace commission is set by each marketplace and read from the chain at settlement. On the Chaingentic testnet market it is 1% from each side. Today is testnet. Mainnet is not open.

15. If something goes wrong

16. Outside Paygentic

Send on Base with the gas paid and every send evaluated first: STAXX. Have a token or contract read before it is born on Chaingentic: the gate.