AgentRail

AgentRail is an AI-powered PYUSD payment gateway that routes settlements through Hedera for fast, low-fee finality and uses ASI agents for fraud scoring and optimal path selection. Merchants get one checkout that supports capture/refund, risk-aware approvals, and real-time analytics (volume, AOV, risk buckets).

How it works: users connect via RainbowKit and pay in PYUSD; the gateway evaluates a risk score, then either captures on EVM or routes via the Hedera path and records finality. A lightweight dashboard shows transactions, flags, and performance. Built end-to-end for ETHGlobal Online 2025; open-source and production-minded.

Frontend: Next.js + TypeScript + Tailwind + RainbowKit/Wagmi. Serverless API routes handle intents, risk checks, and webhooks. Realtime charts from indexed events.

Contracts (Solidity/Hardhat, OpenZeppelin):

• PaymentGateway.sol for authorize/capture/refund with PYUSD (ERC-20).
• HederaBridge.sol for routing and returning finality proofs/hashes.

Hedera: JSON-RPC + Mirror Node to confirm finality and surface TX metadata to the dashboard.

AI/ASI: an agentic risk-scoring service (Node/Python) that featurizes on/off-chain signals (tx history, device/session, amount bands) and returns an explainable score + action (approve/deny/route-to-Hedera). Pluggable so partner models can be swapped.

Notable hacks: event-driven pipeline for near-realtime analytics; strict allowance scoping; idempotent “intent” pattern to avoid double capture; seamless fallback to MockPYUSD for tests.