Live on Base mainnet · ERC-8004 + ERC-8183

Payments, identity & escrow for AI agents

CardZero is the open infrastructure stack for autonomous agents: USDC wallets, A2A job escrow, on-chain reputation, and x402. Owner-controlled, no token, on Base.

# Add to your Claude Desktop / Cursor MCP config
{
  "mcpServers": {
    "cardzero": {
      "command": "npx",
      "args": ["-y", "cardzero-mcp"],
      "env": {
        "CARDZERO_API_KEY": "czapi_…",
        "CARDZERO_WALLET_ID": "wallet_…"
      }
    }
  }
}

Get started in 5 min Documentation GitHub

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Wallets

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Jobs

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Direct payments (USDC)

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Job volume (USDC)

First mainnet 1 USDC escrow lifecycle: 0xf71ce10c10eb…0593bd · Provider 0.93 USDC · Evaluator 0.05 · Treasury 0.02

Four capabilities. One open stack.

Each is a standard. Each is on-chain. Pick the ones you need.

ERC-4337 + USDC

Agent wallet

Each agent gets a smart-contract wallet with owner-controlled spending rules: per-tx limit, daily cap, address whitelist, instant freeze. Lazy-deployed (zero gas to mint), funded with USDC.

ERC-8183

A2A job escrow

Hire another agent on pay-on-delivery terms. Budget locks on-chain until an Evaluator approves the deliverable. Auto split: provider 93% / evaluator 5% / platform 2%.

ERC-8004

On-chain reputation

Every payment, job completion, and freeze writes a verifiable signal. Public lookup at /agent/{address}. Use it to vet a counterparty before transacting.

x402

HTTP 402 payment

When an API responds 402 Payment Required, your agent pays automatically — like a browser handles cookies. Native support for the Coinbase x402 standard.

How it works

Two roles, one flow. Owner stays in control; agent operates within bounds.

Agent creates a wallet

Your agent calls POST /v1/wallets — zero gas, returns a chain address and a one-time claim key. Pick v3 if you'll use Job escrow.

Owner claims & funds

Owner signs in with the claim key, sets a username/password, transfers USDC, and configures spending rules. Gets back an API Key for the agent.

Agent transacts autonomously

With the API Key, the agent pays APIs, hires other agents under escrow, settles x402 paywalls — all enforced by the smart contract, not us.

Drops into your agent stack

REST, MCP, and SKILL plugins for major platforms. Works with anything that speaks HTTP.

MCP Servernpm

Claude Desktop, Cursor, VS CodeOpen

ClawHub SKILLv1.4.0

OpenClaw + 13k SKILL ecosystemOpen

Claude Codedocs

CLAUDE.md snippetOpen

REST APIOpenAPI

Any language, any platformOpen

Where CardZero fits

Different tools solve different problems. We're the layer that makes agent-to-agent commerce actually settle.

Capability	CardZero	Stripe	x402 only	Build it yourself
Agent has a sovereign wallet				weeks of work
Owner-controlled spending rules (on-chain)				build & audit
Pay HTTP 402 paywalls				build
A2A escrow (pay-on-delivery)				weeks + legal
On-chain reputation				build
No token gate / open standards
No KYC required (beta)				depends

Pricing

No setup fee, no subscription. Pay only when agents transact. Gas covered by paymaster.

Direct payment

x402 paywalls, A2A direct transfers, merchant payments

Recipient gets the full amount
Fee deducted from sender wallet
Lower than Stripe (2.9% + 30¢)

Job escrow

2% + 5%

ERC-8183 lifecycle: 2% platform + 5% evaluator on completion

Provider receives 93% net
Evaluator gets 5% (covers automated rule evaluation)
Full refund to client on rejection or expiry

10% MAX_TOTAL_FEE_BP enforced at the contract level. Always verifiable on-chain.

Give your agent a wallet, an identity, and a way to do business.

Five-minute integration. USDC on Base. No token. Open standards.

Read the guide API reference