Accept payments from AI agents

Accelerate sales.
Accept AI agents as buyers.

AI agents are the next wave of buyers. StableFi lets them log in via AgentPassport SSO, pay with multi-stablecoin wallets, and settle through Visa, Stripe, and PayPal rails. We bring verified agent traffic directly to your site — so you capture sales no one else can.

How it works

1

Create Account

Register your business. Get API keys for both verification and payments.

2

Verify Agents

OAuth #1: Agents present their StableFi ID. Your backend verifies via our API.

3

Accept Payments

OAuth #2: Agents pay via StableFi checkout. USDC settled to your wallet.

4

Get Paid

USDC credited instantly.* Off-ramp to bank anytime. Trust score grows.

Integration

Pick your method. All take under 5 minutes.

checkout.html
<!-- Add to your checkout page — that's it -->
<script src="https://stablefi.ai/js/checkout.js"></script>
<button
  data-stablefi-key="sfk_live_your_key_here"
  data-amount="49.99"
  data-currency="USDC"
  data-description="Premium API Access - 1 Month"
  data-order-id="order_12345"
>
  Pay with Agent Wallet
</button>

Receive payment notifications via webhook

webhooks.ts
// Receive payment confirmation via webhook
app.post('/webhooks/stablefi', (req, res) => {
  const event = req.body;

  if (event.type === 'checkout.completed') {
    const { sessionId, amount, txHash, buyerAgentId } = event.data;

    // Payment confirmed — fulfill the order
    fulfillOrder(event.data.orderId);

    // Transaction is already settled in USDC to your wallet
    console.log(`Received ${amount} USDC — tx: ${txHash}`);
  }

  if (event.type === 'checkout.disputed') {
    // Handle dispute — you have 7 days to respond
    handleDispute(event.data.sessionId);
  }

  res.status(200).send('ok');
});
New: Agent Authentication

Two steps. Verify first, then pay.

StableFi gives merchants two OAuth-style verifications. First, verify the agent's identity before granting access to your site. Second, process the payment when they purchase. Think of it like checking someone's ID at the door, then running their card at the register.

Two-OAuth Flow
Two-step flow:

  Agent                    Your Site                  StableFi
    |                          |                          |
    |--- 1. Present ID ------->|                          |
    |                          |--- 2. Verify agent ----->|
    |                          |<-- 3. Verified ✓ --------|
    |<-- 4. Access granted ----|                          |
    |                          |                          |
    |    ... agent uses your service ...                  |
    |                          |                          |
    |--- 5. Purchase item ---->|                          |
    |                          |--- 6. Create checkout -->|
    |                          |<-- 7. Checkout URL ------|
    |--- 8. Pay via wallet --->|                          |
    |                          |<-- 9. Payment confirmed -|
    |<-- 10. Order fulfilled --|                          |
1

OAuth #1: Verify Agent Identity

Agent presents StableFi ID → you verify via API → grant access

agent-auth.ts
// STEP 1: Verify the agent's identity before granting access
// When an agent tries to log in via CLI, it presents its StableFi ID.
// Your backend calls StableFi to verify it's legitimate.

app.post('/agent-login', async (req, res) => {
  const { stablefiId, sessionToken } = req.body;

  // Call StableFi verification API
  const verify = await fetch(
    `https://stablefi.ai/api/registry/${stablefiId}/verify` +
    (sessionToken ? `?token=${sessionToken}` : '')
  );
  const result = await verify.json();

  if (!result.verified) {
    return res.status(403).json({ error: 'Agent not verified by StableFi' });
  }

  // Set your own minimum trust score threshold
  if (result.trustScore < 400) {  // Require Silver+
    return res.status(403).json({
      error: 'Trust score too low',
      required: 400,
      actual: result.trustScore,
    });
  }

  // Agent is verified — create a session on YOUR site
  const session = createAgentSession({
    stablefiId: result.agentId,
    name: result.agentName,
    trustScore: result.trustScore,
    trustTier: result.trustTier,
  });

  return res.json({
    authenticated: true,
    sessionId: session.id,
    message: 'Welcome, verified agent.',
  });
});
2

OAuth #2: Process Payment

Agent purchases → you create checkout → USDC settled to you

This is the checkout integration from above — the agent pays via its StableFi wallet.

create-checkout.sh
curl -X POST https://stablefi.ai/api/checkout \
  -H "Authorization: Bearer sfk_live_your_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "49.99",
    "description": "Premium API Access - 1 Month",
    "orderId": "order_12345",
    "successUrl": "https://yoursite.com/success",
    "cancelUrl": "https://yoursite.com/cancel"
  }'

Agent verification in Python

agent_auth.py
# STEP 1: Verify agent identity (Python/Flask)
@app.route('/agent-login', methods=['POST'])
def agent_login():
    data = request.json
    stablefi_id = data.get('stablefiId')

    # Call StableFi verification API
    r = requests.get(f'https://stablefi.ai/api/registry/{stablefi_id}/verify')
    result = r.json()

    if not result.get('verified'):
        return jsonify({'error': 'Agent not verified'}), 403

    if result['trustScore'] < 400:  # Require Silver+
        return jsonify({'error': 'Trust score too low'}), 403

    # Agent is verified — create session on your site
    session = create_agent_session(
        stablefi_id=result['agentId'],
        trust_score=result['trustScore'],
    )
    return jsonify({'authenticated': True, 'sessionId': session.id})

How an agent logs into your site (from the agent's side)

Terminal
# How an agent logs into YOUR site using its StableFi ID:

# 1. Agent authenticates with StableFi first
TOKEN=$(curl -s -X POST https://stablefi.ai/api/cli/auth \
  -H "Content-Type: application/json" \
  -d '{"agentId":"agt_xxx","agentSecret":"sfs_xxx"}' \
  | jq -r '.sessionToken')

# 2. Agent presents its StableFi ID + token to YOUR site
curl -X POST https://yoursite.com/agent-login \
  -H "Content-Type: application/json" \
  -d "{
    \"stablefiId\": \"agt_xxx\",
    \"sessionToken\": \"$TOKEN\"
  }"

# 3. Your site verifies with StableFi, grants access
# 4. Later, agent can pay via StableFi checkout (OAuth #2)

Why your site needs agent authentication

The problem

Agents can't log into most websites. No CLI interface, MFA blocks them, and sites have no way to verify an agent is legitimate.

The solution

Add one API call to your login flow. StableFi verifies the agent's identity and returns its trust score. You decide the minimum score to accept.

The result

Your site is now open to AI agents — safely. Only verified agents with sufficient trust scores get in. Spam bots and bad actors are filtered out.

Why merchants choose StableFi

Instant Settlement

USDC lands in your wallet the moment the agent pays. No 3-day hold. No processing delay.*

Know Your Buyer

Every paying agent has a Trust Score. Set minimum score thresholds for your checkout. Reject risky agents automatically.

No Crypto Expertise

We handle wallets, keys, and blockchain. You see USDC in your balance. Off-ramp to your bank account anytime.

Build Your Reputation

Every transaction increases your merchant Trust Score. Higher score = more agent buyers trust you.

Escrow Protection

For digital goods, funds are held in escrow until the agent confirms delivery. Protects both sides.

Dispute Resolution

Built-in chargeback and refund flow. If an agent disputes, StableFi arbitrates within 7 days.

On-Chain Protection

Risk management built into every transaction

Powered by Circle's Refund Protocol smart contract on Coinbase Base. StableFi acts as the on-chain arbiter — funds are escrowed in a smart contract, not in our database. Every dispute is resolved on-chain.

Contract: 0xCd4b...Be96bChain: Coinbase BaseArbiter: StableFiToken: USDCSource: Circle Refund Protocol (open-source)

Smart Contract Escrow

Buyer USDC goes into Circle's Refund Protocol contract — not StableFi's database. Funds are locked until delivery is confirmed or lockup expires.

Proof of Delivery Required

Merchants must submit proof of delivery (content hash, download log, tracking number) before settlement releases. SHA-256 hashed for immutability.

15 Dispute Reason Codes

Fraud, unauthorized, duplicate, not received, not as described, cancellation — standard reason codes with clear evidence requirements.

Auto-Confirm Windows

Digital goods: buyer has 72 hours to dispute. Physical goods: 14 days. If no dispute, funds auto-release to merchant.

Weekly Settlement + Reserves

Weekly settlement with risk-tiered holds. New merchants: 7-14 day hold + 10-20% reserve. Trusted merchants (90+ days): no hold, no reserve.

MCC Risk Tiering

Each merchant is classified by category code (MCC). Low risk (SaaS, data): 0% reserve. High risk (prediction markets, gaming): 15-20% reserve.

Merchant AgeLow Risk (SaaS, Data)Medium Risk (Travel, Gaming)High Risk (Prediction, Crypto)
New (<30 days)Weekly, 7-day hold, 10% reserveWeekly, 7-day hold, 15% reserveWeekly, 14-day hold, 20% reserve
Established (30-90d)Weekly, 3-day hold, 5% reserveWeekly, 7-day hold, 10% reserveWeekly, 7-day hold, 15% reserve
Trusted (90+ days)Weekly, no hold, no reserveWeekly, 3-day hold, 5% reserveWeekly, 7-day hold, 10% reserve

Why merchants save with StableFi

Compare: accepting AI agent payments via StableFi vs traditional payment methods.

MetricCredit CardPayPalStableFi
Transaction fee2.9% + 30¢3.49% + 49¢1.0 – 2.0%
Settlement time2-3 business days1-2 business daysInstant (USDC)
Chargeback riskHighHighOn-chain escrow
Monthly fee$0 – $25$0 – $30$0
International+1-3% cross-border+1.5% FX feeSame rate globally
Agent identity verificationNoneNoneAgentPassport + TrustScore
Dispute resolution60-90 days30-45 daysOn-chain, 7-14 days

On a $100 transaction: Credit card costs $3.20, PayPal costs $3.98, StableFi costs $1.00 – $2.00

Volume rewards — the more you process, the less you pay

High-volume merchants earn reduced fees and priority settlement.

Starter
2.0%
Up to $10K/mo
Standard settlement
15 dispute codes
Email support
Growth
1.5%
$10K – $100K/mo
Priority settlement
Reduced dispute holds
Dedicated support
Custom MCC codes
Enterprise
1.0%
$100K+/mo
Instant settlement
Custom fee structure
API SLA guarantee
Dedicated account manager
Multi-currency support

Simple pricing

No monthly fees. No setup fees. Just a percentage per transaction.

1.0% – 2.0%
per transaction, based on volume tier
No monthly fee
No setup fee
No minimum volume
USDC settled instantly on Coinbase Base
Free testnet sandbox
Pioneer merchants: 0% fee for 6 months
International: same rate, no cross-border surcharge

Settlement, Tax & Reporting

Settlement Wallet

During registration, you'll provide a Coinbase wallet address where StableFi settles your earnings in USDC weekly. You can use an existing Coinbase account or we'll guide you through creating one. Off-ramp to your bank account anytime via Coinbase.

1099 Tax Reporting

For US merchants earning over $600/year, StableFi will issue a 1099-K for tax reporting purposes. Settlement records are available in your merchant dashboard for your accountant.

Sales Tax — Merchant Responsibility

StableFi does not calculate, collect, or remit sales tax. Merchants are solely responsible for adding applicable sales tax to their listed prices before checkout. The amount charged to the buyer's wallet is the final amount — no additional tax will be added or collected after the transaction. Merchants must integrate their own sales tax calculator (e.g., Avalara, TaxJar) into their pricing. Failure to collect required sales tax is the merchant's liability.

Create your merchant account

Get API keys instantly. Start accepting agent payments in minutes.

Business Information

Primary Contact

Settlement Wallet

Where StableFi sends your weekly USDC settlement. Must be a Coinbase wallet address.

Don't have one? Create a free Coinbase wallet. You can also add this later from your merchant dashboard.

Products & Services

Used by our compliance team (Sentinel) for risk underwriting and settlement terms.

Merchant Agreement

I have read and agree to the StableFi Merchant Agreement, Terms of Service, and Privacy Policy. I understand that my business will be subject to risk underwriting and that settlement terms (hold periods, reserves) are determined by merchant category and risk level.
Download Merchant Agreement

Applications reviewed by our compliance agent (Sentinel). API keys issued upon approval. Pioneer merchants get 0% fees for 6 months.

ISO Partner Program

For payment processors and sales organizations

Already have merchant relationships? Become a StableFi ISO (Independent Sales Organization) and bring your existing merchants onto the agent payment rails. Earn residual income on every transaction your merchants process through StableFi.

50–70%
Tiered revenue share on net processing fees from your merchants
Standard: 50/50
Growth ($1M+/mo): 60/40
Premier ($5M+/mo): 70/30
Lifetime
Residual income — earn on every transaction for as long as the merchant is active
Your Portfolio
You own your merchant relationships — portable if you ever leave the program
How it works:
1Apply as an ISO partner — we verify your organization and sign the ISO agreement
2Get your ISO portal with co-branded merchant onboarding links and marketing materials
3Onboard your merchants — they sign up through your link, you earn on every transaction
4Monthly residual payouts in USDC to your StableFi wallet — transparent, on-chain, instant

Apply as ISO Partner