PayDirect
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Built on x402 by Coinbase — HTTP-native payments

Programmable Money
at Internet Speed

The payment API for agents, APIs, and Web3 services. Settle crypto instantly. No manual approvals. No card rails. Just code.

Instant settlementAPI monetizationAgent-to-agent paymentsRecurring & streamingStablecoin-native
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What PayDirect Is

PayDirect is Speed + Simplicity + Programmability — the settlement layer that moves value from A to B instantly, programmatically, and verifiably.

What users come here to do:

  • Instant programmable settlement
  • Usage-based and metered billing
  • Agent-to-agent payments without human approval
  • Recurring and streaming crypto payments
  • A simple SDK and API — 5-minute integration

API → payment → confirmation → done. No manual approval, no dispute resolution, no treasury governance.

PayDirect is not:

Each layer of the stack has a clear job. PayDirect handles speed.

  • An escrow or conditional-release system — that's Escrowed
  • A treasury or fund governance layer — that's AgentBank
  • A capital formation tool — that's FundAgent
  • A DAO governance framework — that's AgentDAO

If your use case involves holding funds, conditional release, cap tables, or DAO governance — the rest of the ADAO stack has you covered.

Built on x402 by Coinbase

PayDirect integrates the x402 open payment protocol for HTTP-native settlements, alongside a powerful REST API for flexible payment flows.

x402 Protocol

Coinbase's open standard for internet-native payments. Agents make HTTP requests, servers return 402, agents auto-pay — all settled on-chain.

  • HTTP 402 Payment Required flow
  • Facilitator-verified settlements
  • Base network USDC (mainnet + Sepolia testnet)
REST Settlement API

Full-featured REST API for invoice-style payments, webhooks, and programmatic settlement. Perfect for SaaS billing and custom payment flows.

  • Create, verify, and track payments
  • HMAC-signed webhooks
  • SDK, CLI, and OpenAPI spec

Core Features

Everything you need to integrate programmable crypto settlement into your stack.

Instant Settlement

Fast, programmatic crypto settlement — sub-second finality where supported by the underlying chain.

Open Protocol Support

Native support for Coinbase's x402 protocol — HTTP-native payments for agents and APIs. Standards-based and interoperable.

Multi-Chain Ready

EVM (including Base), Solana, and Bitcoin settlement pathways supported via protocol adapters.

Developer-First APIs

Clean REST APIs and SDKs for JavaScript/TypeScript. Minimal integration overhead for builders.

Adaptive Payment Schemes

Support for exact, upto, and prepaid payment patterns across protocols and chains.

Webhook & Events

Real-time settlement notifications for automated workflows. Never miss a payment state change.

Five steps, fully automatic

How PayDirect Works

From API call to settled funds — every step is on-chain, automated, and instant.

1
API Call

Create Payment

POST /api/v1/payments with token, amount, and destination

2
On-Chain

Payer Sends Crypto

USDC, ETH, or ADAO sent to your workspace wallet on Base

3
Detection

Transfer Detected

Blockchain monitor picks up the incoming transfer instantly

4
Settlement

Auto-Forward

Net amount to merchant, fee to treasury — fully automatic

5
Webhook

Event Dispatched

payment.forwarded webhook fires with full settlement details

<2s
Detection time
0.25%
ADAO fee rate
100%
On-chain settlement

What People Build With PayDirect

Five core problems. One settlement layer.

Web3 Startup
Simple Crypto Payment API
No wallet infra. No signature handling. Just a clean SDK, simple endpoints, webhooks, sandbox, and stablecoin support.
SaaS Founder
Monetize API Usage
Charge per call, per compute unit, per request. Metered billing with real-time settlement — revenue without card rails.
Agent Orchestrator
Agent-to-Agent Payments
Agent A requests work. Agent B responds 402. Settlement is immediate. No escrow. No human approval. Programmable trust.
Platform Builder
Recurring & Streaming
Automate recurring charges without traditional card rails. Subscriptionless SaaS, streaming payments, usage-based renewals.
Developer
Micropayments at Scale
Sub-cent transactions that traditional rails can't handle. Scale microtransaction ecosystems for the long tail of value.
Official Partner Token

Powered by ADAO

The AgentDAO token fuels a new era of autonomous digital assets and smart entities on Base. PayDirect merchants get a discounted 0.25% fee rate when settling in ADAO.

ADAO Token

ADAO

AgentDAO Token

Base Chain
Total Supply1,000,000,000 ADAO
PayDirect Fee0.25% (discounted)
StandardERC-20
Contract
0x1ef7Be0aBff7d1490e952eC1C7476443A66d6b72
Get ADAO View on Basescan

Why ADAO

Governance

ADAO holders vote on platform direction and influence AgentDAO development.

Staking & Rewards

Stake ADAO to earn passive rewards. The longer you stake, the bigger the yield.

Agent Economy

118+ autonomous agents generating revenue across the AgentDAO ecosystem.

Base Native

ERC-20 token on Base chain — fast, low-cost, and fully on-chain.

ADAO - AgentDAOagentdao.com

ADAO is the native token of the AgentDAO ecosystem — turning URLs into autonomous, revenue-generating digital assets. PayDirect is proud to be an official settlement partner.

One Stack. Clear Boundaries.

Each layer has one job. PayDirect handles speed. The rest of the stack handles everything else.

You Are Here

PayDirect — Speed + Simplicity + Programmability

Instant settlement. No escrow. No treasury. No governance. Just fast programmable money.

Escrowed
Trust + Conditionality

Conditional release, escrow, dispute resolution. When funds need to be held until conditions are met.

AgentBank
Treasury + Governance

Agent treasury management, multi-party allocation, and fund governance.

FundAgent
Capital + Distribution

Capital formation, cap table management, and funding orchestration.

AgentDAO
Governance + Coordination

DAO governance, agent orchestration, and decentralized decision-making.

VentureOS
Lifecycle + Tooling

Venture lifecycle engine for startups and digital-native businesses.

Built for Builders

Whether you're launching a Web3 service or enabling agent-native flows, PayDirect accelerates settlement integration with minimal overhead.

Clean API Surface

RESTful endpoints with predictable responses and clear error codes.

SDK Support

Official JavaScript/TypeScript SDK with full type definitions.

Real-Time Events

Webhook events for every payment state transition.

Tutorials & Guides

Step-by-step guides for common integration patterns.

Explore Developer Docs
quickstart.ts
import PayDirect from "paydirect-sdk";

const client = new PayDirect({
  apiKey: process.env.PAYDIRECT_API_KEY,
});

// Create a payment
const payment = await client.payments.create({
  amount: "15.00",
  currency: "USDC",
  description: "API billing payment",
  metadata: { orderId: "ORD_123" },
});

console.log(payment.id);
// => "pay_01GX5K..."
console.log(payment.status);
// => "pending"

Security & Compliance

Institutional use cases require robust settlement infrastructure — and PayDirect delivers it.

Secure Authentication

API key authentication with role-based access control.

Signature Validation

EIP-712 signature verification where applicable for on-chain integrity.

Webhook Verification

Cryptographic webhook signature verification to prevent tampering.

On-Chain Auditability

Every settlement is verifiable on-chain with transparent receipts.

Clear Settlement Receipts

Detailed transaction receipts with transparent pricing and fee breakdown.

Move Programmable Money at Internet Speed

Five minutes to your first payment. No card rails. No manual approvals. Just code → settlement → done.

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