Agentic Payments

Enable AI agents to make payments autonomously with scoped permissions, spending limits, and complete audit trails.

What is the Agentic Intent Protocol?

The Agentic Intent Protocol (AIP) is ZendFi's framework for enabling AI agents to handle payments on behalf of users. It provides:

• Scoped API keys with limited permissions
• Spending limits per transaction, per day, per week, and per month
• Time-bound sessions that auto-expire
• Device-bound session keys for non-custodial signing
• Autonomous delegates for hands-free operation
• PKP session identity (optional on-chain audit trail via Lit Protocol)
• PPP pricing for global reach
• Complete audit trails for compliance

Quick Start

import { zendfi } from '@zendfi/sdk';

// 1. Create an agent key (requires agent_id)
const agentKey = await zendfi.agent.createKey({
  name: 'Shopping Assistant',
  agent_id: 'shopping-assistant-v1',
  scopes: ['create_payments'],
});

console.log('Save this key:', agentKey.full_key); // zai_test_...

// 2. Create a session with spending limits
const session = await zendfi.agent.createSession({
  agent_id: 'shopping-assistant-v1',
  user_wallet: 'Hx7B...abc',
  limits: {
    max_per_transaction: 50,
    max_per_day: 200,
  },
  duration_hours: 24,
});

// 3. Make payments within limits
const payment = await zendfi.agent.pay({
  session_token: session.session_token,
  amount: 25.00,
  description: 'Widget purchase',
});

console.log('Payment confirmed:', payment.transaction_signature);

// Or use Payment Intents for two-phase flow
const intent = await zendfi.intents.create({
  amount: 25.00,
  description: 'Coffee purchase',
});

// 4. Confirm when customer is ready to pay
const confirmed = await zendfi.intents.confirm(intent.id, {
  client_secret: intent.client_secret,
  customer_wallet: 'Hx7B...abc',
});

Core Concepts

Concept	Description	Learn More
Agent Keys	Scoped API keys for AI agents	Agent Keys →
Sessions	Time-bound spending limits	Sessions →
Session Keys	Pre-funded wallets for autonomous agents	Session Keys →
Payment Intents	Two-phase commit for reliable payments	Payment Intents →
PPP Pricing	Purchasing power parity for global markets	PPP Pricing →
Autonomous Delegation	User-granted spending authority	Delegation →
Smart Payments	AI-optimized payment execution	Smart Payments →
Device-Bound Keys	Hardware-secured signing keys	Device Keys →
Security	Best practices and controls	Security →

Architecture

┌─────────────────────────────────────────────────────────────┐
│                      Your AI Agent                          │
├─────────────────────────────────────────────────────────────┤
│                       ZendFi SDK                            │
├───────────────┬───────────────┬───────────────┬─────────────┤
│  Agent Keys   │   Sessions    │  Session Keys │   Smart     │
│  (Scoped)     │   (Limits)    │  (Pre-funded) │  Payments   │
├───────────────┴───────────────┴───────────────┴─────────────┤
│                    ZendFi Platform                          │
├─────────────────────────────────────────────────────────────┤
│   Solana   │   Lit Protocol   │   Webhooks   │   Analytics  │
└─────────────────────────────────────────────────────────────┘

Features at a Glance

Spending Controls

• Per-transaction limits
• Daily, weekly, monthly caps
• Merchant whitelists/blacklists
• Category restrictions
• Time-based restrictions

Security

• Device-bound keys (WebAuthn/TPM)
• MPC distributed signing (Lit Protocol)
• Complete audit trails
• Webhook signature verification
• IP whitelisting

Optimization

• Smart routing
• Gas abstraction
• Batch payments
• PPP pricing
• Cross-chain support

Use Cases

Shopping Agents

// Agent shops within user's budget
const session = await zendfi.agent.createSession({
  agent_id: 'shopping-bot',
  limits: { max_per_transaction: 100, max_per_day: 500 },
});

Subscription Management

// Agent manages recurring payments
const intent = await zendfi.intents.create({
  amount: 9.99,
  description: 'Monthly subscription',
});

Autonomous Trading

// Agent executes trades within parameters
const delegation = await zendfi.agent.createDelegation({
  limits: { max_per_transaction: 1000 },
  allowed_categories: ['trading'],
});

Next Steps

Getting Started

• Agent Keys - Create scoped API keys
• Sessions - Set up spending limits

Advanced Features

• Smart Payments - AI-optimized execution
• Device-Bound Keys - Hardware security

---

CLI Quick Reference

# Agent Keys
zendfi agent keys create --name "My Agent"
zendfi agent keys list
zendfi agent keys revoke <key-id>

# Agent Sessions
zendfi agent sessions create --agent-id my-agent --wallet Hx7B...
zendfi agent sessions list

# Payment Intents
zendfi intents create --amount 99.99
zendfi intents confirm <intent-id> --wallet Hx7B...

# PPP Pricing
zendfi ppp check BR
zendfi ppp calculate --price 99.99 --country IN

# Smart Payments
zendfi smart pay --to <wallet> --amount 99.99

---

Resources

• SDK Examples - Complete code examples
• SDK Reference - SDK documentation
• CLI Reference - CLI command reference
• Webhooks - Handle payment events
• API Reference - REST API documentation