How it works

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The discovery layer

AgentCash connects your agent to a growing ecosystem of premium API providers. When your agent needs data or services, it uses AgentCash to:

1. Discover what services are available from API providers
2. Inspect pricing and schemas before committing
3. Call the API with automatic payment
4. Return the data to your agent in a clean format

Providers publish their APIs as an OpenAPI document at /openapi.json, with x-payment-info annotations on each paid operation. AgentCash also falls back to /.well-known/x402 for older servers. See server discovery for the spec.

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The payment flow

AgentCash supports two open payment standards: x402 and MPP. Both fit into the following payment flow: This happens within a single call. Your agent sees a clean response with the data it asked for. x402 was developed by Coinbase and is managed by the Linux Foundation. MPP was developed by Stripe and Tempo Labs. Both are open standards, and AgentCash picks the right one automatically based on what the provider accepts.

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What AgentCash handles

Whether you use the CLI, the agent skill, or MCP mode, AgentCash manages:

• API discovery: finds available APIs and their pricing via /openapi.json (or /.well-known/x402 as a fallback)
• Payment detection: recognizes 402 responses and extracts payment requirements
• Credential signing: signs USDC payment proofs with your local wallet key
• Automatic retry: retries the original request with the signed payment attached
• Balance checking: verifies you have sufficient funds before paying

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