Disburse

Disburse AI — Agentic Payments Protocol for the AI Economy

Disburse AI is an x402-based agent-to-agent (A2A) payment protocol designed for the new wave of autonomous AI systems and decentralized agents. It enables agents to transact, disburse, and earn yield automatically — with chain abstraction, token abstraction, and opt-in privacy — all through a single, unified SDK.

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🔍 What it is

Disburse AI powers autonomous financial coordination between AI agents, services, and protocols. It abstracts all the complexities of multi-chain payments and yield routing, while maintaining complete transparency and control for developers.

Think of it as Stripe for AI agents, but built natively for blockchain, where every transaction can earn yield and remain private if needed.

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💡 Core Features

1. x402-Native Payment Flows – Designed for agent-to-agent communication, enabling AI models, bots, and dApps to execute transactions autonomously.
2. Chain & Token Abstraction – Agents can move funds across multiple EVM chains seamlessly, without manual bridging or wrapped tokens.
3. Automatic Yield on Idle Balances – Funds parked in escrow or in transit automatically generate yield via integrated DeFi strategies.
4. Opt-in Privacy Layer – Users or agents can toggle privacy using FHE or ZK-based encryption to protect transaction details.
5. Unified SDK – One SDK for payments, escrow, yield, and privacy. Developers can build cross-chain financial logic without managing contracts manually.

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🧠 How It Works

• Agents trigger payment or disbursement requests using the Disburse AI SDK.
• The protocol router finds the optimal payment route across chains and tokens.
• Yield Engine deposits idle funds into low-risk yield pools until disbursement is due.
• Privacy Layer generates verifiable proofs to hide sensitive details if enabled.
• Transaction Settlement happens atomically — agents receive funds instantly, without manual signing or bridging.

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💸 Use Cases

• Autonomous payrolls for DAOs and agent networks (private or transparent).
• Streaming micro-payments between AI services and data providers.
• Cross-chain treasury management for autonomous orgs.
• Agentic marketplaces where bots transact, tip, and pay each other for services.
• Yield-enhanced escrow for cross-protocol transactions.

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⚙️ Architecture Overview

• Disburse SDK: handles agent authentication, route discovery, and fee estimation.
• Router Contracts: execute and verify on-chain settlements.
• Yield Layer: integrates with stable vaults, lending pools, or liquid staking.
• Privacy Module: uses ERC 5564(stealth addresses) to ensure private but verifiable disbursements.
• Relayer Market: allows gasless transactions via incentivized relayers.

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🚀 Why It Matters

AI agents will soon operate businesses, negotiate contracts, and exchange value — but they need infrastructure to pay, receive, and optimize capital autonomously. Disburse AI is that missing layer — it abstracts finance for agents the same way HTTP abstracted communication for the web.

It brings trustless, yield-bearing, and private financial automation to the agentic economy.

How it’s made:

Disburse AI is built around ERC-5564 (stealth addresses) and x402 payments to enable privacy-preserving, agent-to-agent financial automation.

At its core, the protocol uses x402 as the communication and transaction layer for agentic payments — enabling AI agents and smart wallets to request, authorize, and execute payments programmatically without manual intervention. Each agent can autonomously trigger a transaction, escrow, or yield flow through a single unified SDK.

To ensure privacy, every transaction uses ERC-5564 stealth addresses, allowing funds to be sent or disbursed to a hidden address without revealing the recipient’s identity or payment trail. This maintains transparency at the protocol level while providing user-level confidentiality.

Under the hood, the SDK abstracts chain and token logic, automatically routing payments across multiple EVM chains using smart routing contracts. Idle balances are routed through integrated DeFi vaults for auto-yield generation, and transactions are relayed through gasless relayers for smoother UX.

We also built a lightweight indexer and event listener to monitor agent-to-agent disbursements, and integrated zkVerify for future-proof on-chain verification of private proofs.

It’s a mix of smart contract engineering, SDK abstraction, and protocol interoperability, built to make payments as autonomous and private as the agents themselves.