Building a payment rail for AI agents: the Mindchain MVP
Over the past months I’ve been exploring a simple question:
how will machines pay each other?
With the rise of autonomous systems and AI agents, we are moving toward a world where services are consumed and executed without direct human interaction. But the economic layer is still largely human-centric.
This led me to work on a concept called Mindchain.
The idea
Mindchain is an attempt to define a payment rail for AI-to-AI and machine-to-machine transactions.
The goal is not to build a marketplace or a consumer payment app, but to explore how autonomous systems could exchange value natively.
The MVP
To move beyond theory, I built a local MVP that demonstrates the core transaction flow.
The system is intentionally minimal and runs entirely in memory.
It supports the following steps:
- Wallet creation (with policy constraints)
- Service registration
- Quote generation
- Signed intent creation
- Transaction submission
- Policy evaluation
- Ledger recording
Example flow
The MVP executes a full transaction pipeline:
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