diff --git a/examples/invoice-agent/.env.example b/examples/invoice-agent/.env.example
new file mode 100644
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--- /dev/null
+++ b/examples/invoice-agent/.env.example
@@ -0,0 +1,3 @@
+AGENT_WALLET_ADDRESS=0x_your_wallet_here
+OPENROUTER_API_KEY=your_openrouter_api_key_here
+
diff --git a/examples/invoice-agent/README.md b/examples/invoice-agent/README.md
new file mode 100644
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+++ b/examples/invoice-agent/README.md
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+# Invoice Agent with X402 Payment Flow
+====================================
+
+## Overview
+
+This example implements a billing agent that:
+
+*   Generates invoices with structured line items
+*   Emits X402-compatible payment requests    
+*   Verifies payments and updates invoice state
+    
+
+It demonstrates a complete payment lifecycle:
+```bash
+   create → pay → verify → settled  
+   ```
+
+## Features
+
+*   Invoice creation with structured payload
+*   X402 payment header generation
+*   Payment verification (mocked for demo)
+*   In-memory (non-persistent) invoice state tracking
+    
+## Setup
+
+Install dependencies:
+```bash
+pip install bindu python-dotenv
+```
+
+Create .env:
+```bash
+   AGENT_WALLET_ADDRESS=0x_your_wallet_here
+   OPENROUTER_API_KEY=sk-xxxx #optional   
+   ```
+
+Run the agent:
+```bash
+  python invoice_agent.py  
+  ```
+
+## Example Input
+```json
+   {
+  "type": "generate_invoice",
+  "payload": {
+    "recipient": "akash@example.com",
+    "items": [
+      { "description": "API access", "quantity": 1, "unit_price": 50 },
+      { "description": "Compute", "quantity": 2, "unit_price": 20 }
+    ],
+    "currency": "USDC"
+  }
+}  
+   ```
+   
+## Example Output:
+
+```json
+{
+  "invoice_id": "inv_66ac3b32-6cb4-4588-bd06-f71160ba206c",
+  "total": 90,
+  "payment_header": "X402 0xE5bC3b8796432A70aC8450E2aaD54055d9e2DBb8:90"
+}
+{
+  "invoice": {
+    "id": "inv_66ac3b32-6cb4-4588-bd06-f71160ba206c",
+    "recipient": "acme@example.com",
+    "recipient_wallet": "0xE5bC3b8796432A70aC8450E2aaD54055d9e2DBb8",
+    "items": [
+      { "description": "API", "quantity": 1, "unit_price": 50 },
+      { "description": "Compute", "quantity": 2, "unit_price": 20 }
+    ],
+    "currency": "USDC",
+    "total": 90,
+    "status": "paid",
+    "tx_hash": "0xabc123"
+  }
+}
+```
+
+
+## Skills
+
+*   generate\_invoice – create invoice and emit X402 payment request
+*   get\_invoice – fetch invoice by ID
+*   list\_invoices – list invoices
+*   verify\_payment – verify payment and update invoice state
+    
+
+## Notes
+
+*   Payment verification is mocked for demonstration
+*   Storage is in-memory and can be replaced with a database
+*   Wallet address can be any valid EVM address
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diff --git a/examples/invoice-agent/invoice_agent.py b/examples/invoice-agent/invoice_agent.py
new file mode 100644
index 000000000..a9cedad6a
--- /dev/null
+++ b/examples/invoice-agent/invoice_agent.py
@@ -0,0 +1,167 @@
+from bindu.penguin.bindufy import bindufy
+from dotenv import load_dotenv
+import os
+import logging
+import uuid
+import json
+
+load_dotenv()
+logger = logging.getLogger(__name__)
+# Simple in-memory storage
+
+db = {}
+
+
+def save_invoice(invoice):
+    db[invoice["id"]] = invoice
+
+
+def get_invoice_by_id(invoice_id):
+    return db.get(invoice_id)
+
+
+def list_invoices():
+    return list(db.values())
+
+
+# Core logic
+
+
+def create_invoice(payload):
+    if not isinstance(payload, dict) or "items" not in payload:
+        raise ValueError("Invalid payload")
+
+    if not isinstance(payload["items"], list) or not payload["items"]:
+        raise ValueError("items must be a non-empty list")
+
+    total = 0
+    for i, item in enumerate(payload["items"]):
+        qty = item.get("quantity")
+        price = item.get("unit_price")
+
+        if not isinstance(qty, (int, float)) or not isinstance(price, (int, float)):
+            raise ValueError(f"Invalid item at index {i}")
+
+        if qty <= 0 or price < 0:
+            raise ValueError(f"Invalid values at index {i}")
+
+        total += qty * price
+
+    recipient_wallet = payload.get("recipient_wallet") or os.getenv(
+        "AGENT_WALLET_ADDRESS"
+    )
+
+    if not recipient_wallet:
+        raise ValueError("recipient_wallet is required")
+    invoice = {
+        "id": f"inv_{uuid.uuid4()}",
+        "recipient": payload.get("recipient"),
+        "recipient_wallet": recipient_wallet,
+        "items": payload["items"],
+        "currency": payload.get("currency", "USDC"),
+        "total": total,
+        "status": "pending",
+    }
+
+    save_invoice(invoice)
+    return invoice
+
+
+def verify_payment(invoice_id, tx_hash):
+    invoice = get_invoice_by_id(invoice_id)
+
+    if not invoice:
+        return {"verified": False, "reason": "Invoice not found"}
+
+    # mock verification
+    invoice["status"] = "paid"
+    invoice["tx_hash"] = tx_hash
+    save_invoice(invoice)
+
+    return {
+        "verified": True,
+        "settled_amount": invoice["total"],
+        "reason": None,
+    }
+
+
+# Bindu config
+
+config = {
+    "author": "akash",
+    "name": "invoice-agent",
+    "deployment": {"url": "http://localhost:3773", "expose": True},
+    "description": "Invoice agent with X402 payment flow",
+    "version": "1.0.0",
+    "capabilities": {
+        "payments": ["invoice", "x402"],
+    },
+    "skills": ["skills/invoice-agent-skill"],
+    "auth": {"enabled": False},
+    "storage": {"type": "memory"},
+    "scheduler": {"type": "memory"},
+}
+
+# Handler (Bindu entry point)
+
+
+def handler(messages):
+    try:
+        user_messages = [m for m in messages if m.get("role") == "user"]
+
+        if not user_messages:
+            return "No user message found"
+
+        raw = user_messages[-1].get("parts", [{}])[0].get("text", "{}")
+
+        try:
+            input_data = json.loads(raw)
+        except json.JSONDecodeError:
+            return {"error": "bad_request", "message": "Invalid JSON input"}
+
+        if input_data.get("type") == "generate_invoice":
+            invoice = create_invoice(input_data.get("payload", {}))
+
+            return {
+                "invoice_id": invoice["id"],
+                "total": invoice["total"],
+                "payment_header": {
+                    "amount": str(invoice["total"]),
+                    "token": invoice.get("currency", "USDC"),
+                    "network": os.getenv("X402_NETWORK", "base-sepolia"),
+                    "pay_to_address": invoice["recipient_wallet"],
+                },
+            }
+
+        if input_data.get("type") == "get_invoice":
+            invoice = get_invoice_by_id(input_data.get("invoice_id"))
+
+            if not invoice:
+                return {
+                    "error": "not_found",
+                    "message": f"Invoice not found: {input_data.get('invoice_id')}",
+                }
+
+            return {"invoice": invoice}
+
+        if input_data.get("type") == "list_invoices":
+            return {"invoices": list_invoices()}
+
+        if input_data.get("type") == "verify_payment":
+            return verify_payment(
+                input_data.get("invoice_id"),
+                input_data.get("tx_hash"),
+            )
+
+        return "Unknown request type"
+
+    except Exception:
+        logger.exception("Unhandled error")
+        return {"error": "internal_error", "message": "Internal Server Error"}
+
+
+# Run agent
+
+if __name__ == "__main__":
+    print("Invoice Agent running...")
+    bindufy(config, handler)
diff --git a/examples/invoice-agent/skills/invoice-agent-skill/skill.yaml b/examples/invoice-agent/skills/invoice-agent-skill/skill.yaml
new file mode 100644
index 000000000..526ac4de7
--- /dev/null
+++ b/examples/invoice-agent/skills/invoice-agent-skill/skill.yaml
@@ -0,0 +1,15 @@
+id: invoice-agent-skill
+name: invoice-agent-skill
+description: Invoice agent for X402 payment flow
+version: 1.0.0
+
+tags:
+  - billing
+  - payments
+  - x402
+
+input_modes:
+  - application/json
+
+output_modes:
+  - application/json
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