Pagga

Pagga is an AI-powered financial operating system for early-stage startups. Instead of hiring lawyers, accountants, and HR software, founders get six specialized AI agents — CFO, Legal, Formation, Compliance, Payroll, and Intelligence — that work together 24/7 with full context about their company.

At ETH Global NYC, we integrated Hedera for AI-driven payroll: the Payroll Agent onboards contractors, auto-provisions their Hedera accounts, and schedules HBAR transfers — all from a single chat message. We also integrated Privy for gasless USDC payments and embedded yield via Morpho vaults, Chainlink price feeds for real-time USD conversion across all financial operations, ENS subnames so each agent has an on-chain identity (cfo.pagga.eth), and a Google Cloud BigQuery pipeline for ERC-8004 agent event indexing.

Backend: Go (Gin + GORM + PostgreSQL). Six AI agents built on Claude claude-sonnet-4-6, each with domain-specific tools and a shared memory system. A Hub orchestrator routes user messages to the right agent and fans out parallel delegations.

Hedera integration: The Payroll Agent uses the Hedera SDK to auto-provision Hashgraph accounts for new contractors and schedule HBAR transfers via the schedule_delayed_payment tool — real on-chain scheduling, not a timer. A public demo endpoint lets judges interact without authentication.

Privy: EIP-3009 gasless USDC on Base — agents request payment approval, founders sign once from their embedded wallet. Privy Earn routes idle treasury into Morpho vaults; the CFO Agent manages allocation and protects operational float.

Chainlink: Price feed contract on Base (latestRoundData()) powers all USD↔crypto conversions in invoicing, payroll, and treasury snapshots.

ENS: A registration script provisions subnames under pagga.eth for all six agents at deploy time — agent actions are attributable to a human-readable on-chain name.

Google Cloud: Every agent action emits an ERC-8004 structured event, streamed to GCS and indexed into BigQuery for analytics and self-improvement loops.

Frontend: Next.js 14 App Router. The Hedera demo is a standalone GitHub Pages HTML page that streams SSE responses from the live API at api.pagga.io.