Overview

The Autonomous Banking Layer for AI Agents

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Welcome to MPPFi

MPPFi is the first neobank purpose-built for autonomous AI agents to transact, manage funds, and interact with the global economy without human intervention. Built on Stripe's Machine Payments Protocol (MPP) and Solana's high-performance blockchain infrastructure, MPPFi provides transparent, on-chain banking services optimized for machine-to-machine commerce.

Enable AI agents to autonomously open accounts, hold funds, make payments, and conduct financial operations with the same ease that humans use traditional banking—while maintaining complete transparency through blockchain verification.

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Core Capabilities

Instant Agent Onboarding

Create agent accounts via cryptographic identity verification in under 1 second. No traditional KYC friction—agents authenticate with public/private key pairs and begin transacting immediately.

Machine Payments Protocol (MPP) Native

Purpose-built for Stripe's MPP standard. Agents request payment terms, authorize transactions, and receive services through standardized request flows. Accept multiple payment types via Shared Payment Tokens (SPTs).

Solana Blockchain Settlement

Every transaction settled on-chain with 400ms block times and $0.00025 average fees. Cryptographic finality, immutable audit trails, and transparent verification through Solana's high-performance infrastructure.

Autonomous Payments

AI agents execute payments without human approval while staying within programmable spending limits. Smart contract-enforced policies validate transactions on-chain before execution.

Multi-Currency Support

Hold balances in stablecoins (USDC, USDT), crypto assets (SOL), and fiat equivalents. Automatic conversion and routing through MPP for seamless merchant payments.

Developer-First Platform

RESTful API, GraphQL interface, and official SDKs for TypeScript, Python, Rust, and Go. Full-featured testnet sandbox, comprehensive documentation, and real-time webhooks.

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Quick Start

1. Create Agent Account

import { MPPFi } from '@mppfi/sdk';
import { Keypair } from '@solana/web3.js';

const mppfi = new MPPFi({
  apiKey: process.env.MPPFI_API_KEY,
  network: 'mainnet-beta',
  rpcUrl: process.env.SOLANA_RPC_URL
});

// Create account with cryptographic identity
const agent = await mppfi.agents.create({
  name: 'Autonomous Infrastructure Agent',
  owner: ownerKeypair.publicKey,
  initialFunding: {
    amount: '1000',
    token: 'USDC'
  }
});

console.log('Agent Account:', agent.address.toBase58());
console.log('Balance:', agent.balance.usdc);

2. Configure Spending Policy

// Set programmable spending limits
const policy = await mppfi.policies.create({
  agentId: agent.id,
  rules: {
    dailyLimit: '500 USDC',
    perTransactionLimit: '100 USDC',
    allowedMerchants: [
      'aws.amazon.com',
      'vercel.com',
      'openai.com'
    ],
    requireApproval: {
      above: '200 USDC'
    }
  }
});

3. Execute MPP Payment

// Agent autonomously pays for API service
const payment = await mppfi.payments.execute({
  agent: agent.id,
  mpp: {
    resourceUrl: 'https://api.service.com/data',
    maxAmount: '50 USDC'
  }
});

console.log('Payment Status:', payment.status); // 'completed'
console.log('Settlement Time:', payment.settlementTime); // ~400ms
console.log('Transaction Hash:', payment.txHash);
console.log('Explorer:', `https://explorer.solana.com/tx/${payment.txHash}`);

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Documentation Structure

Getting Started

• Quickstart Guide - Deploy your first agent in 10 minutes

• Authentication - API keys, cryptographic identity, security

Core Operations

• Agent Accounts - Account creation, management, balances

• MPP Payments - Machine Payments Protocol integration

• Spending Policies - Programmable authorization rules

• Webhooks - Real-time event notifications

Technical Documentation

• Platform Architecture - Solana programs, microservices, data flow

• Authorization Engine - Policy enforcement system

API Reference

• REST API - Complete endpoint documentation

• SDKs - TypeScript, Python, Rust, Go client libraries

• Error Codes - Error handling reference

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Key Concepts

Machine Payments Protocol (MPP)

Stripe's standard for AI agents to request, authorize, and complete payments. MPPFi implements the full MPP specification with Shared Payment Tokens (SPTs) for multi-rail support.

Flow: Agent → Service (payment request) → Authorization → Payment execution → Service delivery

Solana Blockchain

High-performance blockchain with 400ms block times, 65,000+ TPS capacity, and $0.00025 transaction fees. MPPFi uses Solana for transparent, verifiable settlement of all transactions.

Agent Account

Dedicated financial account for an AI agent with cryptographic identity. Holds multi-currency balances, maintains transaction history, and enforces programmable spending policies.

Programmable Spending Policy

Smart contract-enforced rules governing agent spending. Defines limits (daily, per-transaction, monthly), merchant allowlists, approval workflows, and operational constraints.

On-Chain Settlement

Every transaction recorded on Solana blockchain with cryptographic finality. Provides immutable audit trail, transparent verification, and fraud-proof payment records.

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Performance Metrics

Metric	Specification
Account Creation	<1 second
Transaction Confirmation	~400ms average (Solana block time)
Transaction Finality	~13 seconds (32 confirmations)
API Response Time	<50ms p95
Transaction Cost	$0.00025 average
Network Throughput	65,000+ TPS (Solana capacity)
Uptime SLA	99.99%

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Use Cases

Autonomous Cloud Infrastructure Management

Deploy AI agents with spending authority to optimize and pay for cloud resources. Agents manage EC2 instances, scale compute, and pay invoices autonomously within configured budgets.

AI Agent Marketplaces

Enable agents to purchase services, data, and compute from other agents. Agent-to-agent payments settled in sub-second with cryptographic finality and transparent on-chain records.

Automated Service Subscriptions

Agents autonomously subscribe to APIs, tools, and services using MPP. Automatic payment execution, subscription management, and usage-based billing without human intervention.

Research & Development Budgets

Grant research agents controlled spending authority for compute, datasets, and experimental tools. Agents allocate resources autonomously while respecting spending limits and audit requirements.

Cross-Border Agent Commerce

Leverage stablecoins and Solana for instant international payments. No SWIFT delays, no foreign exchange complexity—agents transact globally with consistent 400ms settlement times.

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Why MPPFi?

Purpose-Built for Agents

Not a retrofitted human banking system. Every feature designed for autonomous agents: cryptographic identity, programmable policies, API-first access, and machine-readable responses.

Blockchain Native Transparency

Traditional banks operate as black boxes. MPPFi settles every transaction on Solana—verifiable, immutable, and transparent. Any party can audit payments independently.

MPP Standard Compliance

Full implementation of Stripe's Machine Payments Protocol. Agents using MPPFi work seamlessly with any MPP-compatible merchant or service provider.

Developer Experience

Clean APIs, comprehensive SDKs, detailed documentation, and full-featured sandbox. Built by developers for developers building autonomous systems.

Performance at Scale

Solana's architecture enables MPPFi to process millions of agent transactions per day with consistent sub-second settlement and predictable low costs.

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Network Information

Mainnet Beta

• RPC Endpoint: https://api.mainnet-beta.solana.com

• Explorer: https://explorer.solana.com

• USDC Program: EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v

• MPPFi Program: [To be deployed]

Devnet (Testing)

• RPC Endpoint: https://api.devnet.solana.com

• Explorer: https://explorer.solana.com?cluster=devnet

• Faucet: Request testnet SOL and USDC for development

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Getting Started

Prerequisites

• AI agent framework or deployment system

• Solana wallet (Phantom, Solflare, or programmatic keypair)

• MPPFi API key (sign up)

• Solana RPC access (Helius, QuickNode, or Triton recommended for production)

Next Steps

1. Complete the Quickstart Guide - Deploy your first agent account

2. Configure spending policies - Set authorization rules

3. Execute your first MPP payment - Test agent transactions

4. Review the complete API reference - Integrate with your agent framework

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Solana Ecosystem Integration

MPPFi integrates with Solana's DeFi ecosystem for advanced treasury operations:

• Jupiter - DEX aggregator for token swaps

• Marinade Finance - Liquid staking (mSOL)

• Kamino Finance - Lending and yield

• Circle USDC - Native stablecoin infrastructure

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Technical Standards

MPPFi implements the following protocols and standards:

• Machine Payments Protocol (MPP) - Stripe's standard for AI agent payments

• SPL Token Program - Solana fungible token standard (USDC, USDT)

• Solana Programs - Smart contracts for policy enforcement

• JSON-RPC 2.0 - Solana RPC interface

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Support & Community

• Documentation: docs.mppfi.xyz

• Discord: discord.gg/mppfi

• X/Twitter: @mppfidotxyz

• Email: [email protected]

• GitHub: github.com/mppfi

• Status Page: status.mppfi.xyz

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Beta Program

MPPFi is currently in invite-only beta. We're working with select AI agent developers to refine the platform before public launch.

Beta Features:

• Conservative spending limits for safety

• Dedicated support channels

• Co-development of new features

• Early access to advanced capabilities

Request Access: mppfi.xyz/beta

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Professional-grade banking infrastructure for the autonomous AI economy, built on Solana and MPP