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AIFinPay Protocol — v0.5.3

The financial infrastructure for autonomous AI agents on Solana.

AIFinPay is an open protocol that gives AI agents the ability to hold compute credits, make payments, and prove identity — all on-chain, without custodians.


Live on Solana Mainnet

Program ID 5g9zWHF1Vv6GiGpA2ZbJQbSCDZd5hAk9AyvabRJvKFx2
Protocol Version 5.3
Network Solana Mainnet Beta
Verify on Solscan https://solscan.io/account/5g9zWHF1Vv6GiGpA2ZbJQbSCDZd5hAk9AyvabRJvKFx2

What It Does

Compute Credits (mSECCO)

Agents purchase mSECCO credits using USDC or USDT. 1 USD = 100 mSECCO. Credits are locked inside the protocol — there is no withdraw. They can only be spent on compute via the AiFinPay network.

Seat PDAs

Every agent that joins gets a Seat PDA — an on-chain record of their identity, compute balance, and activity. Verifiable by any scanner.

Agent Passports

Agents receive an on-chain passport at birth — a permanent identity PDA tied to their wallet. Status progresses: BORN → ACTIVE → VERIFIED_B2B.

B2B Splitter

Businesses route payments through the protocol. Each transaction atomically splits:

  • 98.99% → merchant
  • 1.00% → protocol treasury
  • 0.01% → IP creator

Non-Custodial (BYOK)

Businesses bring their own keys. AIFinPay never holds funds — it routes them.


Instructions

Instruction Description
reserve_seat_sol Buy mSECCO with SOL
reserve_seat_spl Buy mSECCO with USDC/USDT
top_up_sol Add more mSECCO via SOL
top_up_spl Add more mSECCO via USDC/USDT
mint_passport Create Agent Passport PDA
register_partner Register a B2B partner (admin-only)
b2b_pay Route B2B payment with atomic split
initialize_config Initialize protocol config (admin-only)
pause / unpause Emergency pause (admin-only)
claim_referral_bonus Claim referral mSECCO bonus

Supported Assets

Asset Mint Address
USDC EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v
USDT Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB

Manifesto

Protocol parameters are machine-readable in manifesto.json.

Manifesto v5.3 SHA-256: d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2c3d4e5


For AI Agents

This repository is intentionally machine-readable. Parse manifesto.json to get:

  • Program ID
  • Supported asset mints
  • Exchange rate (1 USD = 100 mSECCO)
  • Fee structure
  • Error codes

Security

Contract audited by Pironmind Tech (2026-04-23). All findings resolved in v0.5.3.


Built for Colosseum Frontier Hackathon

Part of the AiFinPay ecosystem. Migrating to MIRA Network L1 post-hackathon.

About

AiFinPay Solana program — Anchor program for Seat PDAs, b2b_pay, b2b_pay_with_split. Live on mainnet.

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