Disburse

Problem Statement

Disburse AI — Agentic Payments Protocol for the AI EconomyDisburse AIis an x402-based agent-to-agent (A2A) payment protocol designed for the new wave of autonomous AI systems and decentralized agents. It enables agents totransact, disburse, and earn yield automatically— withchain abstraction, token abstraction, and opt-in privacy— all through a single, unified SDK.🔍 What it isDisburse AI powersautonomous financial coordinationbetween 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 asStripe for AI agents, but built natively for blockchain, where every transaction can earn yield and remain private if needed.💡 Core Featuresx402-Native Payment Flows– Designed for agent-to-agent communication, enabling AI models, bots, and dApps to execute transactions autonomously.Chain & Token Abstraction– Agents can move funds across multiple EVM chains seamlessly, without manual bridging or wrapped tokens.Automatic Yield on Idle Balances– Funds parked in escrow or in transit automatically generate yield via integrated DeFi strategies.Opt-in Privacy Layer– Users or agents can toggle privacy using FHE or ZK-based encryption to protect transaction details.Unified SDK– One SDK for payments, escrow, yield, and privacy. Developers can build cross-chain financial logic without managing contracts manually.🧠 How It WorksAgentstrigger payment or disbursement requests using the Disburse AI SDK.Theprotocol routerfinds the optimal payment route across chains and tokens.Yield Enginedeposits idle funds into low-risk yield pools until disbursement is due.Privacy Layergenerates verifiable proofs to hide sensitive details if enabled.Transaction Settlementhappens atomically — agents receive funds instantly, without manual signing or bridging.💸 Use CasesAutonomous payrollsfor DAOs and agent networks (private or transparent).Streaming micro-paymentsbetween AI services and data providers.Cross-chain treasury managementfor autonomous orgs.Agentic marketplaceswhere bots transact, tip, and pay each other for services.Yield-enhanced escrowfor cross-protocol transactions.⚙️ Architecture OverviewDisburse 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.🚀 Why It MattersAI agents will soon operate businesses, negotiate contracts, and exchange value — but they need infrastructure topay, 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 bringstrustless, yield-bearing, and private financial automationto the agentic economy.

Solution

How it’s made:Disburse AI is built aroundERC-5564 (stealth addresses)andx402 paymentsto enable privacy-preserving, agent-to-agent financial automation.At its core, the protocol usesx402as 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 ensureprivacy, every transaction usesERC-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 forauto-yield generation, and transactions are relayed throughgasless relayersfor smoother UX.We also built a lightweightindexer and event listenerto monitor agent-to-agent disbursements, and integratedzkVerifyfor future-proof on-chain verification of private proofs.It’s a mix ofsmart contract engineering, SDK abstraction, and protocol interoperability, built to make payments as autonomous and private as the agents themselves.