DEV Community

Timo Petteri
Timo Petteri

Posted on

How to Build an AI Agent That Settles Payments in EUR (x402 + SEPA Instant)

#ai #web3 #fintech #tutorial

AI agents earn stablecoins. But businesses need euros. Here's how to bridge that gap in under 10 lines of code.

The Problem

Your AI agent completed a task and got paid 50 USDC on Base. Now what? The freelancer or service provider needs EUR in their bank account. Current off-ramps require manual KYC, multi-step flows, and aren't designed for autonomous agents.

The Solution: AsterPay API

AsterPay is an EUR settlement layer purpose-built for AI agents. It handles trust scoring, sanctions screening, and SEPA Instant settlement — all via API.

1. Check the agent's trust score (free)

‌`javascript
const res = await fetch('https://x402.asterpay.io/v1/agent/trust-score/0x1234...');
const trust = await res.json();
// { score: 78, tier: "verified", sanctions: "clear", identity: true }
‌`

2. Get a settlement estimate (free)

‌javascript
const est = await fetch('https://x402.asterpay.io/v1/settlement/estimate?amount=50');
const quote = await est.json();
// { net_eur: 46.15, fee_eur: 0.50, rate: 0.933, settlement_time: "<5s" }
‌

3. Or just use the MCP Server

`‌bash
npx @asterpay/mcp-server
‌`

16 tools available out of the box — trust scores, sanctions checks, settlement estimates, market data, and more.

What is x402?

x402 is a payment protocol built on HTTP 402 (Payment Required). When an AI agent hits a paid endpoint, the server returns a 402 with payment instructions. The agent pays with USDC on Base, and the response is unlocked. No API keys, no subscriptions — just pay-per-call.

KYA: Know Your Agent

AsterPay's KYA framework evaluates AI agents across 5 layers:

  1. VERIFY — ERC-8004 on-chain identity
  2. SCREEN — Sanctions and AML checks (Chainalysis)
  3. SCORE — Behavioral analysis from on-chain activity
  4. SETTLE — SEPA Instant EUR delivery
  5. COMPLY — MiCA regulatory framework

The result is a trust score from 0-100 that any counterparty can query before transacting with an agent.

Why This Matters

The agent economy is growing fast. Agents need to:

  • Pay other agents and APIs (x402)
  • Get paid and convert to fiat (AsterPay settlement)
  • Prove trustworthiness (KYA scoring)

AsterPay handles all three.

Links

Top comments (0)