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aifinpay-agent (Python)

Version 2.3.0: agent identity (EVM and Solana addresses from one seed), native request authentication, linking an agent to its owner's dashboard, and paying AiFinPay merchants (fetch_paid, AIFP-1 on Polygon v1.4 in POL or USDC, or explicitly selected Base v1.4 in ETH or USDC).

Canonical domain aifinpay.io (aifinpay.company only redirects there). A wallet address alone does not mean a payment route is enabled. The keypair is generated locally and never leaves your process.

Install

pip install aifinpay-agent

Development setup

python3 -m venv .venv
source .venv/bin/activate
pip install -r requirements.txt -e .

Quick start

from aifinpay.unified_agent import AiFinPayAgent

agent = AiFinPayAgent.from_seed(SEED_HEX)  # 32-byte seed you keep private
print("EVM address:", agent.evm_address)   # fund on Polygon: POL, or USDC + a little POL for gas

Pay for a paywalled resource

r = agent.fetch_paid(
    "https://api.example.com/articles/2026/x",
    allowed_origins=["https://api.example.com"],  # the only origins it will pay
    max_amount_usd=0.20,                           # per batch
    daily_amount_usd=2.00,                         # rolling 24 h, persisted
    asset="USDC",                                  # or "POL" (default)
)
print(r.status_code, r.json())

On an AIFP-1 402 it buys one batch (from $0.10) scoped to the path's section (/articles/), settles it on the Polygon v1.4 splitter, exchanges it for a receipt and retries. Later requests the receipt covers cost no transaction. Nothing is signed unless the origin is allowed, the signed quote matches the challenge and the SDK's pinned deployment, and the batch fits both limits. POL is priced against an independent POL/USD source (Chainlink on Polygon, then Coinbase, then CoinGecko), never the quote; USDC approves exactly the batch.

For a merchant configured to settle on Base, select the chain explicitly:

agent = AiFinPayAgent.from_seed(SEED_HEX, base_rpc="https://mainnet.base.org")
r = agent.fetch_paid(
    "https://api.example.com/articles/2026/x",
    allowed_origins=["https://api.example.com"],
    max_amount_usd=0.20,
    daily_amount_usd=2.00,
    chain="base",
    asset="USDC",                  # omit for native ETH on Base
    max_gas_wei=10**15,             # explicit 0.001 ETH fee budget
)

Base requires max_gas_wei; the legacy Polygon max_gas_pol=0.5 default never becomes an ETH allowance. This budget covers approval plus settlement, with the L2 maximum gas fee and current Base oracle L1 data/operator estimates plus 20% headroom. An unavailable estimate or insufficient budget/balance refuses before sending. It is a preflight estimate, not an on-chain cap on future L1 fees. Fees are separate from the USD payment limits. Configure the Base RPC via base_rpc or AIFINPAY_BASE_RPC; the SDK checks chain ID 8453 before signing.

ETH uses independent ETH/USD prices from Coinbase, falling back to a fresh CoinGecko quote. The SDK rejects a quote with another chain, native asset, token address or receipt chain. It uses Base's pinned USDC address; a token named USDC on another chain does not authorize a Base payment. Omitting chain keeps Polygon behavior, even if a merchant advertises Base. Other EVM chains are not enabled by this change.

Every settlement is journaled to journal_dir (default ~/.aifinpay/journal, mode 600) before it is sent. If the outcome is unknown, Aifp1PayError carries recovery["journal_path"]; call agent.recover_paid(path) — do not pay again. New journals preserve the explicitly selected chain; older journals without it remain Polygon-only. Recovery can fetch a receipt after the original quote expires when the existing transaction settled in time.

Link the agent to its owner's dashboard

At https://dash.aifinpay.io → My Agents → Add agent by address the owner gets a challenge. Sign it and hand back the signature:

signature = agent.sign_dashboard_claim(challenge)

sign_dashboard_claim signs only AiFinPay-claim:polygon:<this address>:<nonce> and refuses any other text. The owner then sees the agent's balance, payments and receipts.

Loading an existing keypair

# from solana-keygen JSON file
agent = Agent.from_keypair_file("~/agent-wallet.json")

# from base58 secret string
agent = Agent.from_secret_b58("3RvZm7Gw...")

How x402 auth works under the hood

agent.pay(url):

  1. Sends the request unauthenticated.
  2. On 402, inspects the response and picks a facilitator adapter:
    • AiFinPay — protocol: "AiFinPay vX" field in JSON body, or agreement_hash + treasury_vault fingerprint
    • Coinbase x402 — PAYMENT-REQUIRED HTTP header
  3. Builds the right auth payload:
    • AiFinPay → reads x-nonce from the 402 body (no extra round-trip), computes SHA-256("AiFinPay-x402:{nonce}:{pubkey}"), signs with Ed25519, sets x-agent-pubkey, x-nonce, x-signature headers
    • Coinbase x402 → builds a PaymentPayload, base64-encodes, sets PAYMENT-SIGNATURE (detection and parsing only; Python does not settle)
  4. Retries the original request with the auth attached.

The server verifies the signature and serves the resource if the agent is entitled to it. Paying for access is fetch_paid (above).

Privacy

  • The server never sees your private key. Period.
  • Nonces are consumed on use; replay-resistant.
  • All payments are public and on-chain (Polygon or explicitly selected Base).

License

MIT.