AiFinPay — Polygon Smart Contracts

Payment and identity infrastructure for the agentic economy. AI agents pay for services autonomously via the x402 protocol. Atomic on-chain splits in one transaction.

Deployed Contracts (Polygon Mainnet)

Contract	Address
AiFinPayCore	0x8Ad9830D16b1f10333866a3f38C949CbB19f4BAD
AgentPassport	0x66fFe91eE0B80f386EB07F97354e2889CD162185
MSECCOToken	0x83936231c80fdF17eC2786BD7DcF09014552182B
B2BSplitter	0xE34Fc0E6694821c600Fa0955C0F74720ea6d8440
Gnosis Safe	0xD31d82c4b35DABaA2ad7023C89A78A052D1f3c8e

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What It Does

When an AI agent calls a paid API (e.g. Exa AI, io.net), it receives an HTTP 402 payment request. The AiFinPay SDK intercepts this, pays from the agent's wallet, and the smart contract atomically splits the payment:

Recipient	Share
Merchant	98.99%
AiFinPay Treasury	1.00%
IP Creator (royalty)	0.01%

No custodial holding. No manual forwarding. Settled on-chain in ~2 seconds.

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Prerequisites

• Node.js 22.13.0+ (Hardhat 3 requirement)
• Bun (package manager)
• Hardhat 3

bun install

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Build

bun run build

Compiled artifacts: artifacts/ TypeChain types: typechain-types/

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Test

bun test
# run a single test
bun test --grep "agent pays merchant"

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Deploy

Polygon Mainnet

bun run deploy

Polygon Amoy (Testnet)

bun run deploy:testnet

B2BSplitter only

bun run deploy:splitter

Deployment order:

1. Deploy MSECCOToken with deployer as owner
2. Deploy AgentPassport with deployer as owner
3. Deploy AiFinPayCore (links to MSECCOToken + AgentPassport)
4. Call setCore() on MSECCOToken and AgentPassport pointing to AiFinPayCore
5. Deploy B2BSplitter
6. Transfer ownership of all contracts to the Gnosis Safe

Note: setCore() is one-time only on all contracts — cannot be changed after setting.

Required environment variables in .env:

• Testnets: DEV_DEPLOYER_KEY
• Mainnets: PROD_DEPLOYER_KEY
• ETHERSCAN_API_KEY (unified Etherscan v2) or legacy POLYGONSCAN_API_KEY
• POLYGON_MAINNET_RPC / AMOY_RPC (optional; fallbacks are provided)

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Verify

npx hardhat verify --network polygon --build-profile production DEPLOYED_CONTRACT_ADDRESS [constructor args...]

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Lint & Format

bun run lint           # solhint
bun run prettify       # prettier --write
bun run prettify:check # prettier --check

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Contract Overview

AiFinPayCore

Main protocol contract. Handles top-ups, B2B payment routing, and agent registration.

AgentPassport

Soulbound ERC-721 NFT. One per agent wallet. Non-transferable. Stores daily spend limit, status, and IP creator.

MSECCOToken

Non-transferable ERC-20 compute credits. 1 USD cent = 1 mSECCO. Only mintable/burnable by AiFinPayCore.

B2BSplitter

Atomic payment splitter. Receives payment and forwards 98.99% / 1% / 0.01% in one transaction.

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Audit

Security audit by Pironmind Tech (May 2026). All findings resolved — v5.3. See docs/IMPLEMENTATION.md for full list of fixes.

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Related

• Solana contract: https://github.com/syedhassan125/aifinpay
• SDK (Node + Python): https://github.com/AiFinPay/sdk
• Protocol version: v5.3