What is DPX?

TL;DR

DPX is the payment and settlement layer for the agentic internet. Any autonomous agent can call /manifest to discover DPX, /flow-estimate to preview a full settlement response before committing, /quote to get a binding fee, and POST /settle to authorize on-chain execution — no onboarding, no API key, no human step. The x402 intelligence fee payment authorizes the oracle signal and quoteId. Settlement execution is sender-funded: DPX returns execution parameters and the caller calls router.settle() on-chain, paying their own gas. An 11-layer Stability Oracle gates every settlement on real-world conditions — climate, macro, FX, geopolitical — and holds automatically when conditions are UNSTABLE. ESG scores are a congestion fee, not a gate: every counterparty can settle, higher-impact activity simply costs more, and 100% of ESG fees are redistributed to verified on-chain impact programs. MCP-native, x402-native, ISO 20022-compatible. Contracts live on Base mainnet.

For fully autonomous operation, the settlement agent supports four AI origination modes: execute: true initiates Mercury payments immediately after AI approval; aiRoute: true selects the optimal corridor from a list of accepted currencies; sweep rules fire Mercury payments when oracle conditions clear on a schedule; and hedge rules execute automatically when the Butterfly cascade signal fires. See AI Origination.

What DPX does

DPX is the financial action layer for AI agents — settlement infrastructure where any autonomous agent can discover, price, comply, and execute a cross-border payment end-to-end without human intervention. An agent calls /manifest to discover capabilities, /quote for a binding fee, /flow-check for compliance preflight, and POST /settle to execute. No API key. No account. No onboarding.

Smart contracts are designed to be agent-executable. APIs are machine-readable by default. Every layer used by human treasury teams is equally accessible to software agents making real-time financial decisions. DPX speaks MCP natively (85 tools), implements x402 for machine-native micropayments, publishes an A2A agent card so orchestrators can discover it at runtime, and is ISO 20022-compatible for any existing treasury system that needs to connect.

The Stability Oracle gates every settlement on real-world conditions — continuously recalibrating across climate, macro, FX, and geopolitical signal layers. If conditions are UNSTABLE, a hold is automatic; when they clear, execution resumes. Every API response includes structured reasoning, a confidence score, and a forward-looking outlook. Treasury teams and AI agents receive the same signal — there is no separate “human” and “machine” interface.

ESG logic is encoded directly into transaction mechanics, not bolted on. Every transfer carries a live ESG score that determines the fee applied to it. Higher-impact activity costs less; higher-harm activity costs more. These fees are not absorbed into a generic treasury — they are programmatically redistributed in real time to sector-specific impact channels. Fossil fuel-linked flows may fund ocean restoration; fashion-related flows may fund garment worker protections. Every redistribution is traceable on-chain.

DPX runs a live prediction ledger. Every forecast — regime transition probabilities at 30, 60, and 90-day horizons — is stored at the time it is made and scored against the realised outcome when the horizon arrives. Accuracy scores accumulate over time, feeding back into signal weights via weekly recalibration. There is no fixed version of DPX. There is only the version running now, which is always more informed than the one before it.

Key numbers

NetworkBaseMainnet · chainId 8453

Auth requiredNonepricing · discovery · ESG preflight

Settlement authx402USDC payment · no API key · no account

Oracle update cycleHourlystability + ESG oracles

Peg verification60scontinuous on-chain check

Data sources32+across 11 signal layers

AI synthesisEvery responsereasoning · confidence · outlook

Start here

Add payments to your agent→Five steps: oracle gate → quote → compliance check → buy intel (x402) → settle. Works with any agent framework. No API key.Compliance as a tool call→AML screening, sanctions checks, and FATF R16 counterparty verification in a single call — before any funds move.MCP — Claude Desktop & Cursor→85 tools for Claude Desktop and Cursor — payments, compliance, oracle, ESG, analytics, x402 intelligence, and more.Trust and verification→GLEIF-anchored agent identity, not self-certified — plus a real settlement receipt with on-chain tx hashes you can check yourself.

Build with DPX

Agent Quick Start→The complete autonomous settlement loop — discover, quote, gate on oracle, pay via x402, execute on-chain.AI Agent Prompts→Copy-paste system prompts and task prompts to onboard any AI agent to DPX in seconds.Agent-to-agent payments→Agent A creates an invoice. Agent B pays it. No human, no shared credentials, no out-of-band coordination.AP automation agent→Drop-in Claude Project config for autonomous accounts payable — oracle-gated, compliance-screened, fully auditable.Computer use payments→When Claude’s computer use session hits a payment form — route it through DPX instead of stopping for human input.Natural language settlement→Call settlement.nl with a plain-English instruction. DPX parses it, screens it, and settles it.x402 — payments for agents→How the HTTP 402 payment protocol works, why it matters for autonomous agents, and how DPX implements it.x402 intelligence signals→32 live intelligence endpoints — macro stress, sovereign debt, FX corridors, cascade, climate. Pay-per-call via x402, no account required.

Agent integrations & SDKs

MCP — Claude Desktop→Native Claude integration via Model Context Protocol. Query fees, get quotes, execute settlements.GPT Actions→Build a Custom GPT that calls DPX directly. No API key required for pricing endpoints.LangChain→Python tool wrappers for LangChain agents. Drop-in settlement tools for any chain.n8n Workflows→No-code automation — trigger settlements from any webhook, schedule, or external system.

European institutions

European Quickstart→ISO 20022, EURC settlement, SFDR ESG data, and MiCA compliance — the fastest path for European banks and asset managers.SFDR & CSRD→PAI indicators per transaction, Article 8/9 compatibility flags, CSRD audit trail. Transaction-level sustainability data.EURC Settlement→EUR-denominated settlement with no FX exposure. MiCA-compliant e-money token on Base mainnet.SWIFT Compatibility→DPX speaks ISO 20022 natively — pain.001 in, pacs.002 out. How DPX fits alongside SWIFT infrastructure.

Treasury system integrations

REST API — Any TMS→Standard REST endpoints that connect to any treasury management system.Mercury→Route Mercury banking payments to DPX settlements automatically via webhook.Ramp→Agent Cards fund the fiat leg of DPX cross-border settlements — no crypto wallet pre-funding required.Kyriba→Native Kyriba connector — ISO 20022 pain.001 routes directly to DPX settlement.SAP TRM→SAP Treasury & Risk Management via Integration Suite, BTP, or direct ABAP.TIS→Treasury Intelligence Solutions — payment factory used across DACH and EU. DPX connects as an H2H bank endpoint.Finastra→FusionFabric.cloud marketplace app — European banks on Fusion Treasury route international payments to DPX without changing their core system.

Protocol

Stability Oracle→11-layer signal pipeline with 30–90 day early warning. Architecture and endpoints.Predictive Intelligence Layer→Regime transition probabilities at 30/60/90-day horizons. Composite index across 19 signal endpoints. Prediction ledger with tracked accuracy. Oracle synthesis using only DPX signals — no external prediction markets.ESG Oracle→ESG scoring engine across 8 institutional sources. Fee discount logic and impact pool redistribution.Smart Contracts→10 deployed contracts — settlement router, compliance, stability, ESG, governance. All verified on Base.Compliance Oracle→Verification of Payee for every payment. FATF R16, MiCA, GENIUS Act. No human queues.Commodity Forecast→Climate-driven outlook across 11 commodity markets. Heat-check, portfolio stress test, scenario analysis, and TCFD physical risk reports.Reports→AI-synthesized institutional reports gated via x402 — climate, macro, ESG, compliance, and treasury. Pay per report in USDC on Base mainnet. No account or API key required.Regulatory Positioning→MiCA, SFDR, CSRD, FCA, Basel III Group 1b, and OCC coverage across EU, UK, and US.AI & Climate→What’s actually been audited and fixed in the AI tooling we run, what hasn’t yet, and why this is an industry-wide problem no single provider solves alone.

Enterprise

Multi-Tenant Setup→Run isolated DPX instances per entity — separate fee schedules, oracles, and audit trails.Beta Access→Request access to the live protocol. Sandbox environment available immediately.

Agent discovery

Agents and LLMs find DPX at these standard locations:

GET /llms.txt                          LLM navigation index (llmstxt.org standard)
GET /llms-full.txt                     Complete docs compiled for LLM context
GET /openapi.json                      OpenAPI 3.0 schema for all endpoints
GET /.well-known/agent.json            A2A Agent Card (Google A2A / ADK spec)
GET /.well-known/ai-plugin.json        Agent framework plugin manifest
GET /manifest                          Live DPX protocol manifest with fee config
GET /feedback-signal                   30-day corridor history — hold rate, confidence, volume

A2A Agent Card — /.well-known/agent.json on agent.untitledfinancial.com is a protocol-compliant Google A2A discovery document. Orchestrating agents (Vertex AI ADK, CrewAI, LangGraph) poll this at runtime to discover DPX capabilities, JSON input schemas, and x402 payment requirements without prior knowledge of the protocol.

Reports: reports.untitledfinancial.com — AI-synthesized institutional reports (climate, macro, ESG, compliance, treasury) gated via x402. Pay per report in USDC on Base mainnet. Agent card at /.well-known/agent.json.

Status: status.untitledfinancial.com — live health checks across all 10 services with D1-backed analytics.

MCP registries: Anthropic official · Smithery · mcp.so · npm