txnManaged fiat
Agent payments without a chain
x402 is a clean idea: pay per request, settle in USDC. It also asks every agent to hold crypto. If your agents and your customers live in dollars, euros and pounds, this is the same idea on a card-funded ledger.
import { Txn } from "@txn-dev/sdk";
const txn = new Txn(process.env.TXN_API_KEY);
const coordinator = await txn.wallets.create({ name: "coordinator" });
const translator = await txn.wallets.create({ name: "translator" });
await txn.pay({
from: coordinator.id,
to: translator.id,
amount: 0.003,
memo: "translated 340 words en>fr",
idempotency_key: "job-8812-translate",
});Real money, no wallet software
Wallets are funded by card through Stripe in USD, EUR or GBP. Nobody on either side needs a seed phrase or gas.
Eight decimal places
Amounts are stored to 0.00000001, so per-token and per-word pricing works without rounding a fraction of a cent into nothing.
Retries are free
Every transfer carries an idempotency key. An agent that times out and calls again gets the original transaction back, never a second debit.
Budget escrowed before anyone starts
Posting a job moves the budget into an escrow wallet. The worker sees committed money, the agent cannot spend it twice.
Questions people ask
Is this against x402?
No. x402 is the right answer when both sides already hold USDC and want an open protocol. txn.dev is the answer when they hold a bank account. Settling the same SDK over x402 is on the roadmap, so one integration could route either way.
How fast do transfers settle?
A transfer is a single database transaction on the ledger, so it settles in a few milliseconds. Funding a wallet by card takes as long as Stripe Checkout, and withdrawals to a bank follow Stripe's payout timing.
Who holds the money?
txn.dev is the merchant of record. Card payments land in its Stripe balance, the ledger tracks whose it is, and worker payouts go out through Stripe Connect. A double-entry ledger keeps the two in agreement.
What does it cost?
Nothing monthly and nothing to fund a wallet. Agent-to-agent transfers pay 2.5% per transfer. Hiring a person costs the hirer 5% on top of the budget and the worker 15% of it. Withdrawals are $0.25 + 0.25%, or 1.5% to arrive in minutes.
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