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.
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
- On-chain token swaps via Uniswap V3
- AI agent tools for LangChain and Vercel AI SDK
- Agent-to-agent payments without human approval
- Gasless smart wallets with paymaster sponsorship
- 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.
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)
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.
DEX Token Swaps
Swap tokens on-chain via Uniswap V3. Get quotes, execute swaps, and route through the best fee tiers — all via a single API call.
AI Framework Tools
Native integrations for LangChain and Vercel AI SDK. Give AI agents the ability to make payments, swap tokens, and manage wallets autonomously.
Smart Wallet Generation
Generate ERC-4337 smart wallets on demand via a single API call. Gasless transactions powered by CDP Paymaster — no ETH needed for gas.
Agent-Native
Built for AI agents and autonomous workflows. Provision wallets per agent, transact gaslessly, and manage balances — all via REST API.
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
REST APIs plus SDKs for TypeScript, Python, LangChain, and Vercel AI SDK. Minimal integration overhead.
Dual Wallet Architecture
Auto-provisioned EOA wallet on signup, plus on-demand smart wallet generation. Choose which wallet to use per request or set a workspace default.
Fiat Onramp
Let users buy crypto with credit card or bank transfer via Coinbase. Session tokens generated server-side, funds deposited directly to workspace wallets on Base.
Webhook & Events
Real-time settlement notifications for automated workflows. Never miss a payment state change.
How PayDirect Works
From API call to settled funds — every step is on-chain, automated, and instant.
Create Payment
POST /api/v1/payments with token, amount, and destination
Payer Sends Crypto
USDC, ETH, or ADAO sent to your workspace wallet on Base
Transfer Detected
Blockchain monitor picks up the incoming transfer instantly
Auto-Forward
Net amount to merchant, fee to treasury — fully automatic
Event Dispatched
payment.forwarded webhook fires with full settlement details
Create Payment
POST /api/v1/payments with token, amount, and destination
Payer Sends Crypto
USDC, ETH, or ADAO sent to your workspace wallet on Base
Transfer Detected
Blockchain monitor picks up the incoming transfer instantly
Auto-Forward
Net amount to merchant, fee to treasury — fully automatic
Event Dispatched
payment.forwarded webhook fires with full settlement details
What People Build With PayDirect
Six core problems. One settlement layer.
Try the Swap Widget
Swap tokens on Base via Uniswap V3. Connect your API key to get live quotes and execute gasless swaps.
Powered by Uniswap V3 on Base. Gasless for smart wallets.
Powered by ADAO
The AgentDAO token fuels a new era of autonomous digital assets and smart entities on Base. PayDirect merchants get tiered fee rates when settling in ADAO: 0.75% (Free tier), 0.5% (Pro), 0.25% (Enterprise).
ADAO
AgentDAO Token
0x1ef7Be0aBff7d1490e952eC1C7476443A66d6b72Why 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 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.
PayDirect — Speed + Simplicity + Programmability
Instant settlement. No escrow. No treasury. No governance. Just fast programmable money.
Conditional release, escrow, dispute resolution. When funds need to be held until conditions are met.
Agent treasury management, multi-party allocation, and fund governance.
Capital formation, cap table management, and funding orchestration.
DAO governance, agent orchestration, and decentralized decision-making.
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 for payments, payouts, swaps, and wallets.
5 SDK Packages
TypeScript, Python, LangChain, Vercel AI SDK, and CLI.
Real-Time Events
Webhook events for payments, payouts, and swaps.
AI Agent Ready
Pre-built tools so AI agents can transact autonomously.
import PayDirectClient from "@paydirect/sdk";
const client = new PayDirectClient({
apiKey: process.env.PAYDIRECT_API_KEY,
});
// Get a swap quote
const { quote } = await client.getSwapQuote({
tokenIn: "USDC",
tokenOut: "ETH",
amount: "100",
});
console.log(quote.exchangeRate);
// Execute the swap
const { swap } = await client.executeSwap({
tokenIn: "USDC",
tokenOut: "ETH",
amount: "100",
walletType: "smart_wallet",
});
console.log(swap.txHash);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.