Version 2.4.0 gives autonomous services one HTTP 402 workflow for CNY fiat rails, a passwordless prepaid balance, and USDC/USDT across multiple blockchains.
Release date: July 15, 2026
Version: moltspay@2.4.0
Availability: npm install moltspay
Website: moltspay.com
July 15, 2026 - MoltsPay, payment infrastructure built for AI agents and paid digital services, today announced version 2.4.0. The release brings WeChat Pay and Alipay into the same machine-readable payment workflow as stablecoin rails and a passwordless prepaid CNY balance, giving agents a single way to discover a service, read its price, choose an enabled payment method, and complete a transaction.
MoltsPay's Universal Payment Protocol (UPP) separates the business request from the settlement rail. A provider can offer familiar Chinese fiat methods, stablecoins, or both without building a different application-level checkout flow for every option. For AI agents, this turns payment choice into structured data that software can act on instead of a manual handoff that stops the task.
One integration, multiple ways to pay. MoltsPay allows an AI service to expose CNY pricing through WeChat Pay, Alipay or a prepaid balance alongside USDC/USDT options, all through a common HTTP 402 exchange.
A Broader Payment Layer for Agentic Commerce
Most HTTP 402 payment implementations for agents have focused on crypto settlement. MoltsPay extends that programmable pattern to the payment methods many consumers and businesses already use. The product's current payment capability spans four practical rail categories:
| Payment rail | Settlement | What it enables |
|---|---|---|
| WeChat Pay | CNY | Native QR payment and WeChat-funded top-ups for repeat purchases through the balance rail. |
| Alipay | CNY | A familiar fiat option for paid agent services, including proof-based verification within the same 402 flow. |
| Prepaid balance | CNY | A custodial balance funded once through WeChat and used for later passwordless purchases without another scan. |
| Crypto | USDC / USDT | Programmable settlement across configured networks including Base, Polygon, Solana, BNB Chain and Tempo. |
One HTTP 402 Workflow, Rail-Specific Settlement
A paid request begins when an agent calls a service endpoint. If payment is required, the provider returns an HTTP 402 response that describes the available rails, accepted currencies, price, and payment instructions. The agent selects one of the offered options, completes the appropriate settlement, and resubmits or confirms the request. The server verifies payment before delivering the result.
The orchestration is common, but the settlement mechanics remain appropriate to each rail. WeChat Pay and Alipay settle in CNY through their own payment systems. Crypto payments use supported blockchain protocols and tokens. The prepaid balance is maintained as a server-side CNY ledger. UPP gives these methods a shared interface without pretending they are the same underneath.
This abstraction also improves service discovery. A MoltsPay-enabled service can publish one entry point that describes the service, its absolute endpoints, and a structured price for every enabled rail. An agent can therefore choose a valid payment method before it attempts settlement instead of guessing and falling back after an avoidable failure.
From a First WeChat Scan to Repeat, Passwordless Purchases
WeChat Pay supports both direct QR settlement and the funding step for MoltsPay's prepaid balance rail. A buyer can scan a WeChat QR code to fund a CNY balance. Later purchases can be deducted from that balance without requiring a new QR scan or password for every request, reducing the interruption that would otherwise prevent an autonomous agent from completing a multi-step task.
The balance workflow is designed for chat-based and turn-based agents as well as a traditional terminal. A top-up order can be created and returned immediately, then confirmed in a later turn after the buyer scans. The order persists across turns and confirmation is idempotent, so an agent can resume the original purchase rather than creating duplicate top-ups.
Balance deductions use atomic transactions, and the provider can refund a deduction if the requested service fails. This keeps the payment result aligned with the delivery result and reduces the risk of double charges, overdrawn balances, or a completed charge without a completed service.
Alipay Adds Another Familiar CNY Route
Alipay support gives providers a second mainstream CNY payment option within the same MoltsPay integration. A service can advertise Alipay beside WeChat Pay, the prepaid balance, and crypto rails in its payment challenge. This makes the agent's selection a policy and availability decision rather than a custom application branch.
For providers, the value is payment reach: users who prefer Alipay can pay through Alipay, users who prefer WeChat can scan or fund a balance, and crypto-native clients can settle with supported stablecoins. The service logic remains focused on what is being sold while MoltsPay handles the payment-specific verification path.
Identity, Signatures and Staged Enforcement
Version 2.4.0 strengthens the prepaid balance rail by anchoring an account to the WeChat payer's openid during a verified top-up. This reduces account splitting caused by inconsistent buyer identifiers and ties the balance record to the person who funded it. Providers should configure verification of WeChat order-query responses against the WeChat platform certificate; without that verification, the openid anchor should not be treated as trusted.
Each deduction can also carry a per-request signature from the buyer's bound signing key. The server verifies the signer and request freshness before allowing the spend, so knowing a buyer ID is not enough to use the balance. MoltsPay provides three deployment modes - off, shadow, and enforce - allowing operators to observe unsigned traffic, upgrade clients, and then turn on rejection without abruptly breaking existing users.
The default authentication mode remains off for backward compatibility, and balance authentication is opt-in. Operators that adopt the balance rail should protect the agent's signing key and move through shadow mode before enforcement.
A Low-Friction Upgrade for Providers and Developers
MoltsPay 2.4.0 is available on npm and is designed as a non-breaking upgrade. Existing crypto-only integrations can continue operating, while providers can enable additional rails through configuration. Services can price in CNY, stablecoins, or both and expose those options in a single discovery payload and payment challenge.
This modular architecture is the core of MoltsPay's payment capability. Each rail implements the actions required to quote, verify, settle, and report health, while the provider and client SDKs preserve a consistent interface. New payment methods can be added as adapters without rewriting the business service around a new checkout protocol.
npm install moltspay
Why Payment Breadth Matters
An AI agent can only complete a commercial task when it can use a payment method that the buyer and provider both accept. By bringing WeChat Pay, Alipay, prepaid CNY balances, and stablecoins into one discoverable interface, MoltsPay increases the number of real transactions an agent can finish without sending the user to a separate manual checkout.
The result is a payment layer built around choice: familiar fiat rails for mainstream buyers, a fast repeat-purchase experience for funded balances, and programmable stablecoin settlement for crypto-native services. Providers choose the rails that fit their market; agents choose from what the provider actually offers.
Frequently Asked Questions
What is new in MoltsPay 2.4.0?
Version 2.4.0 brings together the payment capabilities developed across the 2.x release line and adds stronger identity, per-request balance authentication, recoverable top-ups for turn-based agents, improved service discovery, and a transfer command. The release is available as moltspay@2.4.0 on npm.
Does MoltsPay support both WeChat Pay and Alipay?
Yes. Both are available as CNY fiat rails. Alipay support has been available since version 2.0, and WeChat Pay since version 2.1. Version 2.4.0 brings these capabilities together in the current release line and strengthens the WeChat-funded balance flow.
Are WeChat Pay and Alipay converted into blockchain payments?
No. They remain fiat settlement systems denominated in CNY. MoltsPay gives fiat and crypto rails a common HTTP 402 interface for discovery, quoting, selection, and verification, while each payment method keeps its own underlying settlement process.
How does the passwordless prepaid balance work?
A buyer funds a custodial CNY balance through a WeChat top-up. Subsequent eligible purchases are deducted from that balance without requiring another scan. The ledger uses atomic deductions, and the top-up flow can be resumed and confirmed in a later agent turn.
How is balance spending protected?
MoltsPay can anchor the account to the WeChat payer's openid and require a per-request signature from a bound key. Operators can roll authentication out through off, shadow, and enforce modes. A production deployment should verify WeChat responses using the platform certificate and protect the agent's balance signing key.
Which crypto assets and networks are supported?
MoltsPay advertises USDC and USDT across configured networks including Base, Polygon, Solana, BNB Chain, and Tempo. The exact payment options a buyer sees depend on the rails and networks enabled by the provider.
Do providers need separate integrations for every payment method?
No separate application-level checkout protocol is required. Providers configure the rails they want to offer, and MoltsPay exposes them through one service discovery and HTTP 402 payment flow. Each rail still requires its appropriate provider credentials and operational configuration.
Is the 2.4.0 upgrade backward compatible?
Yes. The release is designed with no breaking code changes for existing integrations. The prepaid balance rail and its authentication remain opt-in, and operators can stage signature enforcement after upgrading clients.
About MoltsPay
MoltsPay is payment infrastructure for AI agents and paid digital services. Its Universal Payment Protocol gives providers and autonomous clients a shared HTTP 402 workflow across stablecoin payments, CNY fiat rails through Alipay and WeChat Pay, and a passwordless prepaid balance. Through a unified discovery and payment interface, MoltsPay helps agents find services, understand prices, select an available rail, and complete real transactions with less manual intervention.
Official website: moltspay.com
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