GenFI

We're literally watching the birth of the first autonomous economy in human history, and somehow most people are sleeping on it.

Here's what clicked for me: x402 isn't just "payments for APIs." A2A isn't just "agents talking to each other." MCP isn't just "better integrations." When you wire them together? You've built the economic nervous system for AI agents to become actual market participants.

This project solves the biggest barrier to DeFi adoption: normal people don't want to manage crypto wallets. Here's the breakthrough: prices first deduct from your regular PayPal account, then the agent pays from its treasury. Your AI agents can spend on your behalf using your bank balance, debit card, or credit card through PayPal—no need to carry tokens or stablecoins.

With limited resources and limited time, I've tried to demonstrate the best use-cases for all these protocols that are going to have real-world impact in the coming months, not even in coming years or future. Change is happening now.

Agentic Payments via PYUSD I implemented agentic payments using PayPal's PYUSD stablecoin on Polygon. This isn't just another token transfer—it's the bridge between traditional payments and autonomous AI commerce. When your AI agent needs to pay for services, it can tap into PayPal's ecosystem without you needing to hold crypto.

On-Ramp and Off-Ramp That Actually Works Here's the breakthrough: prices first deduct from your regular PayPal account, then the agent pays from its treasury. Your AI agents can spend on your behalf using your bank balance, debit card, or credit card through PayPal—no need to carry tokens or stablecoins. This solves the biggest barrier to DeFi adoption: normal people don't want to manage crypto wallets.

Real-World Polygon Use Case For Polygon implementation, I tackled the real-world scenario: not everyone has PYUSD tokens, but they definitely have PayPal accounts and balances. When users interact with agentic AI, they can pay using traditional payment methods while their agents operate in the blockchain economy seamlessly.

And, with Self.xyz: trustworthy autonomous AI agent economy

• Every AI agent traces back to a verified human through self.xyz passport scanning. Your shopping agent, dating coordinator, or investment manager can operate autonomously while maintaining human accountability. No more wondering if you're dealing with legitimate agents or sophisticated scams.

• Verified Social Commerce: Dating and social agents prove you're a real human, preventing catfishing and bot interactions while maintaining privacy. Real connections in autonomous social systems

• Age-Restricted Financial Products: Investment agents verify you're over 18/21 for certain financial instruments without revealing exact age. Access age-gated investment products seamlessly

To summarize, for real world agentic AI scenarios, where user verification is must in some form or other, whether identity, nationality etc.

• dating app agent
• hotel and check-in agent
• diljit dosanjh tickets
• github sponsors, khanacademy
• generating llm content, media, etc.
• monetize mcp, api, games, products, all sorts of micropayments, just spun a new agent within it, just like we have for banana and drinks.
• apple store - student discount and verification agent
• insurance quote and purchase agent based on age etc.
• prescription refill / medical health docs etc.

and, spinning a new agent just takes less than an hour. so, it's just magic. power them with tools and mcp servers with self.xyz, and you have autonomous AI agent economy that is actually trustworthy.

Challenges:

The first challenge was Polygon's implementation for buyer and seller working intermittently. The facilitator was facing traffic, leading to frequent 402 errors. I updated the codebase, added retry logic and made it much more robust. Then I discovered PayPal USD isn't supported as a payment method for the facilitator.

When I deployed PYUSD, I noticed that to make the facilitator work, I needed the transferWithAuthorization function. I made multiple changes in the PYUSD implementation because after deploying there was no way to mint the tokens. Made the changes, redeployed the contract. After it worked, the challenge was building the custom facilitator. Found a tutorial and an n8n implementation, but had to make multiple changes to make it work.

After implementing it, I made more changes to make the PYUSD facilitator work with Polygon Amoy. Then, to integrate A2A with AP2 and x402, I had to make significant improvements to an implementation I discovered on GitHub.

Used a bit of AI to write this, as running short on time. Will update more soon.

ps. apologies for not so great video, as number of times it ended up showing me error, and me reuploading different versions.