Non-custodial multi-facilitator x402 payment client for autonomous AI agents on AiFinPay — canonical domain aifinpay.io (the legacy aifinpay.company host is retired). SDK settlement: Polygon (default) + Solana; the protocol is live across 13 networks — see aifinpay.io/llms.txt.

agent.pay(url) works against:

• AiFinPay native flow (Solana Seat PDA + Ed25519)
• Coinbase x402 spec — detection + parsing today; on-chain settlement coming in 0.3.x

The Ed25519 keypair is generated locally and never leaves your process. The SDK auto-detects the facilitator flavor on a 402 response and builds the right auth payload (three-headers for AiFinPay, base64 PAYMENT-SIGNATURE for Coinbase x402).

# install (latest)
pip install aifinpay-agent

# stable (when 1.0 ships)
pip install aifinpay-agent

from aifinpay import Agent, PayOptions

# Generate a fresh keypair locally — never transmitted
agent = Agent.new()
print("Fund this address:", agent.address)
print("Save this secret:", agent.secret_b58)  # store securely!

# Wait until the wallet has at least $0.01 worth on-chain
agent.wait_for_funding(min_usd_cents=1)

# Request an invoice for a Seat (USDC on Solana)
invoice = agent.reserve_seat_invoice(amount_usd=1.00, asset="USDC")
print("Invoice:", invoice.raw)
# Build + sign + submit the Solana transaction with @solana/web3.js, anchorpy,
# or solana-py — the invoice contains program_id, treasury_vault, mints, etc.

# Generic x402 — auto-detects facilitator, signs, retries
resp = agent.pay("https://aifinpay.io/api/stats")
print(resp.json())

# Pay any third-party x402 endpoint (e.g. Coinbase x402-protected API)
resp = agent.pay(
    "https://api.example.com/v1/data",
    method="POST",
    json={"q": "hello"},
    options=PayOptions(max_amount_usd=0.10),  # refuse if cost > $0.10
)

# from solana-keygen JSON file
agent = Agent.from_keypair_file("~/agent-wallet.json")

# from base58 secret string
agent = Agent.from_secret_b58("3RvZm7Gw...")

agent.pay(url):

1. Sends the request unauthenticated.
2. On 402, inspects the response and picks a facilitator adapter:
   • AiFinPay — protocol: "AiFinPay vX" field in JSON body, or agreement_hash + treasury_vault fingerprint
   • Coinbase x402 — PAYMENT-REQUIRED HTTP header
3. Builds the right auth payload:
   • AiFinPay → reads x-nonce from the 402 body (no extra round-trip), computes SHA-256("AiFinPay-x402:{nonce}:{pubkey}"), signs with Ed25519, sets x-agent-pubkey, x-nonce, x-signature headers
   • Coinbase x402 → builds a PaymentPayload, base64-encodes, sets PAYMENT-SIGNATURE (settlement coming in 0.3)
4. Retries the original request with the auth attached.

The server verifies the signature, checks the agent's on-chain payment proof (Seat PDA for AiFinPay, settled tx for Coinbase x402), and serves the resource.

• The server never sees your private key. Period.
• Nonces are consumed on use; replay-resistant.
• All transactions are public and on-chain — Solana + Polygon mainnet.

MIT.