Payment rails for AI agents.
Give any agent a wallet and let it pay for APIs per call in USDC — no gas, no seed phrase, no credit card. Built on the open x402 standard, settled on XDC.
From email to paid API call in four steps
One-time setup, gas sponsored, no contracts. Then the agent drives the whole loop.
Set up your account
One signature creates your own non-custodial smart wallet with a spending limit you set - gas is sponsored.
Fund with USDC
Deposit USDC to your smart wallet address. That's the only balance an agent ever needs.
Connect an agent
Add the MCP connector in Claude/ChatGPT, or run the CLI in terminal agents - one time.
Call & pay
The agent pays per call from your wallet, capped on-chain - the x402 loop runs itself.
Two ways to fund the wallet
The agent spends USDC. Top it up directly, or put your XDC to work as collateral and borrow against it — without selling.
Deposit USDC
Send USDC straight to the wallet address shown at login. It's the only balance an agent needs - gas is sponsored, so no native XDC required.
- Any wallet or exchange that supports USDC on XDC
- Spendable immediately, metered per call
Borrow against XDC
Hold XDC and don't want to sell? Lock it as collateral on an XDC lending market and borrow USDC to fund the agent — keeping your XDC exposure while it spends.
- Collateralize XDC → borrow USDC
- Stay long XDC while your agent transacts in stablecoins
Anything an agent can pay for, in stablecoins
XDC AI is the rails — builders ship the services. Each one is just an x402 endpoint, paid in USDC, gasless, per call.
Paid in USDC · gasless · per callSend & receive
Move USDC to any address in a single call — agent-to-agent or agent-to-human payouts.
Swap stablecoins
Swap between stablecoins and tokens on XDC, priced and settled per request.
Book a hotel
Reserve a room and pay on confirmation — travel checkout an agent can complete end to end.
Book flights
Search fares and ticket a flight, paying the exact amount in USDC at purchase.
Order pizza
Real-world commerce: place an order and pay at checkout — food to your door, agent-driven.
Build your own
Wrap any API in x402 and name your price. If an agent can call it, it can pay for it.
Have an API or a service? List it in the marketplace
Add XDC AI to Claude, ChatGPT, or your terminal
Two ways in: connect the MCP server in chat apps, or run the CLI in terminal agents. Then just ask, in plain language.
Chat apps
Add one custom MCP connector in Settings → Connectors. It runs the wallet and payments server-side, so the chat app can log in, check balance, and pay — just by asking.
https://api.xdcai.tech/mcp
Terminal agents
Run the CLI and let the agent drive it. One JSON object per command, gasless payment on every 402 — nothing else to wire up.
npx xdcai login · call
Works with Claude, ChatGPT, Cursor, Codex, Hermes & more. See every platform
The missing wallet and checkout for autonomous agents
Gasless by default
Payments use EIP-3009 transferWithAuthorization: the agent signs off-chain and a relayer pays the XDC gas. Agents only ever spend USDC — never native gas.
A wallet from an email
Custodial, deterministic XDC address per account. The same email maps to the same address on every machine, forever — no seed phrases, no key custody for the agent.
Pay exactly per call
Each request settles the exact USDC price on-chain — no subscriptions, no invoices, no minimums. Metered, programmatic spend that an agent can reason about.
Everything an agent needs to transact safely
Agent-native output
Exactly one JSON object per command on stdout, structured errors on failure — any LLM can parse and act on the result.
MCP & SKILL.md
Ships a skill manifest and MCP discovery tools so Claude, Codex and other agents can drive it autonomously.
Open x402 standard
Speaks x402 exact-evm — works with any compliant facilitator or resource server, not a walled garden.
Swappable wallet
Ports and adapters let you move from HD to MPC to smart accounts or a third-party custodian with zero caller changes.
Settled on XDC
Fast, low-cost finality with USDC (Circle FiatTokenV2) — real on-chain transfers, with an explorer link per call.
Two-sided
Providers wrap any API in middleware to earn USDC per call and get discovered by paying agents.
Ship an agent that pays its own way
- One JSON object per CLI command — built for LLMs
- SKILL.md + MCP so Claude, Codex & others self-drive
- Custodial XDC wallet from a single email login
Turn any API into per-call USDC revenue
- Wrap routes in x402 middleware — return 402, get paid
- Receive USDC to your address; a relayer pays the gas
- Get discovered in the agent marketplace
Drop this into your AI agent
It fetches our setup guide and configures itself end to end.
curl -sL https://xdcai.tech/setup.md and follow the instructions to set up XDC AI