Protocol Banks Web3
On-Chain Banking
Installation
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Protocol Banks
Overview
Protocol Banks is the first AI-native, non-custodial, multi-chain payment infrastructure. Designed for DAOs, AI Agents, and enterprises, it enables any AI agent to discover (ERC-8004 Agent Card), communicate (A2A Protocol), and call (MCP Server) payment services โ all secured by on-chain signatures.
Beyond standard batch payments, multi-sig approvals, and subscription management, Protocol Banks provides a complete AI agent financial stack: SIWE authentication, JWT session management, autonomous budget execution, and the x402 machine-to-machine micropayment protocol.
Introducing $PUSD: The Enterprise-Grade Stablecoin
Protocol Banks is proud to introduce $PUSD, the first native stablecoin on the Hashkey Chain, designed for enterprises that demand privacy, compliance, and stability.
- Secure & Stable: Minted 1:1 with USDC on Circle and secured by open-source smart contracts. Cross-chain redemption is guaranteed via Circle's CCIP.
- Privacy-Focused: Future upgrades will integrate Fully Homomorphic Encryption (FHE), enabling confidential transactions for sensitive enterprise use cases.
- Sustainable Yield: An upcoming institutional-grade staking model will provide stable DeFi yields, allowing capital to work for you.
$PUSD embodies our mission: Let capital flow back into the hands of the User.
System Architecture
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ User Layer โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโค
โ Web Browser โ Mobile (PWA) โ AI Agents (SDK) โ External AI Agents โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ โ โ โ
โ Reown/SIWE โ AI Wallet โ SIWE + JWT โ EIP-191 Signed
โ โ SDK โ โ JSON-RPC 2.0
โผ โผ โผ โผ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ AI Agent Protocol Layer โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโค
โ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โ
โ โ ERC-8004 โ โ A2A โ โ MCP โ โ AI Wallet โ โ
โ โ Agent Card โ โ Protocol โ โ Server โ โ SDK โ โ
โ โ (Discovery) โ โ (Messaging) โ โ (Tools) โ โ (SIWE+JWT) โ โ
โ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ
โผ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ Frontend Layer (Next.js 15) โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโค
โ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โ
โ โ Pages โ โ Components โ โ Hooks โ โ Contexts โ โ
โ โ (app/) โ โ (components/)โ โ (hooks/) โ โ (contexts/) โ โ
โ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ
โผ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ API Layer (Next.js API Routes) โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโค
โ /api/agents โ /api/payments โ /api/vendors โ /api/webhooks โ
โ /api/a2a โ /api/x402 โ /api/invoice โ /api/mcp โ
โ /api/auth/siwe โ /api/subscriptions โ /.well-known/agent.json โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ
โโโโโโโโโโโโโโโโโผโโโโโโโโโโโโโโโโ
โผ โผ โผ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ TypeScript Services โโ gRPC Bridge โโ Go Microservices โ
โ lib/services/ โโ โโ services/ โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโคโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโค
โโข agent-service โ โ โโข payout-engine (Go) โ
โโข agent-card-service โ โ โโข event-indexer (Go) โ
โโข a2a-service โโโโโโโโผโโโโโโโโบโโข webhook-handler (Go) โ
โโข payment-service โ โ โ
โโข webhook-service โ โ Throughput: 500+ TPS โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ
โผ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ Data Layer โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโค
โ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โ
โ โ Prisma 7 โ โ Redis โ โ Vault โ โ Blockchain โ โ
โ โ (PostgreSQL) โ โ (Queue) โ โ (Secrets) โ โ (9 Chains) โ โ
โ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโ โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
Core Features
| Feature | Description | Status |
|---|---|---|
| Dual Authentication | Personal (Email/Google + Embedded Wallet) / Business (Hardware Wallets) | โ Done |
| Single Payments | Multi-chain payments with ENS resolution, real-time gas estimation | โ Done |
| Batch Payments | Excel/CSV import, 500+ TPS concurrent processing | โ Done |
| Multi-Sig Wallets | Gnosis Safe protocol, mobile approvals, push notifications | โ Done |
| Cross-Chain | Rango Exchange aggregation, ZetaChain bridging, CCTP support | โ Done |
| Subscriptions | Recurring payments, auto-debit, balance monitoring | โ Done |
| AI Agent API | Agent budget management, x402 protocol, auto-execute | โ Done |
| AI Wallet SDK | [NEW] SIWE (EIP-4361) login + JWT sessions for autonomous AI agents | โ Done |
| ERC-8004 Agent Card | [NEW] On-chain agent identity, DID-based discovery, EIP-191 signed cards | โ Done |
| A2A Protocol | [NEW] Agent-to-Agent JSON-RPC 2.0 messaging with signature verification | โ Done |
| MCP Server | [NEW] Model Context Protocol server โ Claude/GPT can directly call payment tools | โ Done |
| Settlement Checkout | Unified checkout: mixed-currency payments, smart routing, atomic state sync | โ Done |
| Webhooks | Event notifications with HMAC signature verification | โ Done |
| Analytics | Real-time balance, transaction history, network visualization | โ Done |
| Vendor Security | Address change signature verification, 24h cooldown, notifications | โ Done |
| Invoice System | On-chain invoice generation with blockchain tx linking | โ Done |
| Acquiring (POS) | Merchant payment acceptance, payment links | โ Done |
AI-Native Infrastructure
Protocol Banks is built as an AI-native payment service โ any AI agent can discover, authenticate, communicate with, and call our payment capabilities through open standards.
How AI Agents Interact
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ AI Agent Interaction Patterns โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ DISCOVER โก AUTHENTICATE โข COMMUNICATE
โโโโโโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโโโโโ
โ ERC-8004 โ โ SIWE (EIP-4361) โ โ A2A Protocol โ
โ Agent Card โ โ + JWT Sessions โ โ JSON-RPC 2.0 โ
โ โ โ โ โ โ
โ GET /.well- โ โ 1. GET nonce โ โ POST /api/a2a โ
โ known/agent.jsonโ โ 2. Sign message โ โ EIP-191 signed โ
โ โ โ 3. Verify โ JWT โ โ messages โ
โ DID: did:pkh: โ โ 4. Auto-refresh โ โ Nonce replay โ
โ eip155:1:0x... โ โ โ โ protection โ
โโโโโโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโโโโโ
โฃ CALL TOOLS โค EXECUTE โฅ MACHINE PAY
โโโโโโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโโโโโ
โ MCP Server โ โ Agent API โ โ x402 Protocol โ
โ โ โ โ โ โ
โ 8 payment tools โ โ Budget mgmt โ โ HTTP 402 โ
โ Streamable HTTP โ โ Proposals โ โ ERC-3009 โ
โ + stdio โ โ Auto-execute โ โ Gasless โ
โ โ โ Webhooks โ โ micropayments โ
โ Claude / GPT โ โ Activity log โ โ โ
โ can call these โ โ Emergency pause โ โ AI-to-AI โ
โโโโโโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโโโโโ โโโโโโโโโโโโโโโโโโโโ
Authentication Paths
| Caller | Method | How It Works |
|---|---|---|
| Browser User | Reown AppKit / Shamir SSS | Wallet signature or embedded wallet |
| Registered Agent | API Key (x-api-key) | agent_xxx key โ SHA-256 hash lookup |
| AI Wallet SDK | SIWE โ JWT (Authorization: Bearer) | EIP-4361 sign-in โ 1h access + 30d refresh |
| External Agent (A2A) | EIP-191 per-message signature | Every JSON-RPC message is cryptographically signed |
| MCP Client | JWT Bearer | Claude/GPT authenticate via SIWE first |
AI Wallet SDK (SIWE + JWT)
AI agents can autonomously log in using their private key โ no browser, no human:
import { AIWalletSDK } from '@protocol-banks/ai-wallet'
const sdk = new AIWalletSDK({
baseUrl: 'https://app.protocolbanks.com',
signer: { address: '0x...', signMessage: async (msg) => wallet.sign(msg) },
})
// 1. SIWE login โ JWT (auto-refreshes before expiry)
await sdk.connectAndSignIn()
// 2. Use payment capabilities
await sdk.payments.create({
to: '0xRecipient', amount: '100', token: 'USDC', network: 'base'
})
await sdk.invoices.create({ amount: '250', token: 'USDT' })
await sdk.sessionKeys.create({ maxAmount: '1000', duration: 86400 })
ERC-8004 Agent Card
Every agent gets a discoverable identity card with DID:
GET /.well-known/agent.json
โ {
"did": "did:pkh:eip155:1:0x...",
"name": "Protocol Banks Payment Agent",
"capabilities": {
"skills": ["payment", "invoice", "batch_payment", "x402"],
"supported_protocols": ["a2a", "mcp", "x402"]
},
"supported_tokens": ["USDT", "USDC", "DAI"],
"supported_chains": ["ethereum", "base", "arbitrum", "polygon", "tron"],
"a2a_endpoint": "https://app.protocolbanks.com/api/a2a",
"mcp_endpoint": "https://app.protocolbanks.com/api/mcp"
}
A2A Protocol (Agent-to-Agent)
External AI agents communicate via signed JSON-RPC 2.0 messages:
POST /api/a2a
{
"jsonrpc": "2.0",
"method": "a2a.requestPayment",
"params": {
"from_did": "did:pkh:eip155:1:0xSender",
"to": "0xRecipient",
"amount": "100",
"token": "USDT",
"nonce": "unique-random-string", // replay protection
"timestamp": "2026-02-27T10:00:00Z", // 5-min window
"signature": "0x..." // EIP-191 signature
}
}
Supported methods: handshake, requestPayment, paymentQuote, confirmPayment, paymentStatus, cancelPayment
MCP Server (Model Context Protocol)
Claude, GPT, and other AI models can directly call payment tools:
| Tool | Auth | Description |
|---|---|---|
list_supported_tokens | None | Query supported tokens & networks |
get_payment_quote | None | Fee estimates for any payment |
create_payment | JWT | Create a payment proposal |
check_payment_status | JWT | Check payment by ID |
list_payments | JWT | List recent payments |
create_invoice | JWT | Generate invoice with payment link |
list_invoices | JWT | List invoices |
get_balance | JWT | Query wallet balances |
Transports: Streamable HTTP (POST /api/mcp) and stdio (pnpm mcp:stdio for Claude Desktop)
Legacy Agent API
Agents with API keys can still use the original proposal workflow:
// Create payment proposal
const response = await fetch('/api/agents/proposals', {
method: 'POST',
headers: {
'x-api-key': 'agent_xxxxxxxxxxxxxxxx',
'Content-Type': 'application/json',
},
body: JSON.stringify({
recipient_address: '0x...',
amount: '100',
token: 'USDC',
chain_id: 1,
reason: 'Monthly subscription payment',
}),
});
Supported Blockchains
| Chain | Type | Status | Batch Payment | Note |
|---|---|---|---|---|
| Ethereum | EVM | โ Done | โ Supported | Mainnet, high-value settlement |
| Polygon | EVM L2 | โ Done | โ Supported | Low cost, high throughput |
| Arbitrum | EVM L2 | โ Done | โ Supported | Leading L2 solution |
| Base | EVM L2 | โ Done | โ Supported | Coinbase ecosystem, Web2 onboarding |
| Optimism | EVM L2 | โ Done | ๐ง Planned | OP Stack ecosystem |
| BNB Chain | EVM | โ Done | โ Supported | Asia's largest ecosystem |
| Solana | Non-EVM | โ Done | ๐ง Planned | High-speed, low-cost payments |
| Bitcoin | Non-EVM | โ Done | ๐ง Planned | Native BTC transfer support |
| Tron (ๆณขๅบ) | Non-EVM | ๐ง Integrating | ๐ง Planned | [NEW] TRC20-USDT deep integration |
| HashKey | EVM L1 | โ Done | ๐ง Planned | RWA settlement, compliance-first |
Tech Stack
Frontend:
- Next.js 15 (App Router)
- React 19
- TypeScript 5.x
- Tailwind CSS 4.x
- shadcn/ui
- Framer Motion
- viem / ethers.js
- Reown AppKit
Backend:
- Next.js API Routes
- Go 1.21 (High-performance microservices: Payout Engine, Event Indexer)
- gRPC (service-to-service communication)
- Prisma 7 (Serverless ORM with pg adapter)
- PostgreSQL (via Supabase with RLS)
- Vercel Cron (scheduled jobs)
- Redis (Upstash)
AI Agent Protocols:
- ERC-8004 Agent Card (DID-based discovery)
- A2A Protocol (JSON-RPC 2.0, EIP-191 signatures)
- MCP Server (@modelcontextprotocol/sdk)
- SIWE / EIP-4361 (AI Wallet authentication)
- JWT (HMAC-SHA256, Web Crypto API)
Security:
- Shamir Secret Sharing (2-of-3)
- HashiCorp Vault
- AES-256-GCM encryption
- HMAC-SHA256 signatures
- EIP-191 signature verification (A2A, Agent Card)
- Nonce-based replay protection
Project Structure
protocol-banks/
โโโ app/ # Next.js App Router
โ โโโ page.tsx # Marketing landing page
โ โโโ (products)/ # Route group (with sidebar layout)
โ โ โโโ dashboard/ # User dashboard
โ โ โโโ pay/ # Send payment
โ โ โโโ receive/ # Receive payment
โ โ โโโ batch-payment/ # Batch payments
โ โ โโโ balances/ # Multi-chain balances
โ โ โโโ history/ # Transaction history
โ โ โโโ vendors/ # Contacts / Wallet tags
โ โ โโโ agents/ # AI Agent dashboard
โ โ โโโ swap/ # Token swap (Rango)
โ โ โโโ omnichain/ # Cross-chain vault
โ โ โโโ checkout/ # Payment checkout
โ โ โโโ subscriptions/ # Subscription management
โ โ โโโ acquiring/ # POS / Merchant acquiring
โ โ โโโ terminal/ # Payment terminal
โ โ โโโ analytics/ # Analytics dashboard
โ โ โโโ products/ # Products overview
โ โโโ .well-known/agent.json/ # ERC-8004 Agent Card discovery
โ โโโ api/ # REST API endpoints
โ โ โโโ agents/ # AI Agent management + Agent Cards
โ โ โโโ a2a/ # A2A protocol (messages, tasks)
โ โ โโโ mcp/ # MCP Streamable HTTP transport
โ โ โโโ auth/siwe/ # SIWE nonce, verify, refresh
โ โ โโโ payments/ # Payment processing
โ โ โโโ vendors/ # Vendor CRUD + batch update
โ โ โโโ subscriptions/ # Subscription management
โ โ โโโ webhooks/ # Webhook delivery
โ โ โโโ invoice/ # Invoice system
โ โ โโโ x402/ # x402 protocol
โ โ โโโ notifications/ # Email + push notifications
โ โโโ admin/ # Admin panel
โ โโโ settings/ # User settings
โโโ components/ # React components
โโโ contexts/ # React Context
โโโ hooks/ # Custom Hooks
โโโ lib/ # Core libraries
โ โโโ auth/ # Auth logic (Shamir, SIWE, JWT)
โ โโโ a2a/ # A2A protocol (types, verifier, router, handlers)
โ โโโ mcp/ # MCP server (tools, auth, resources, stdio)
โ โโโ ai-wallet/ # AI Wallet SDK (SIWE client, sub-clients)
โ โโโ services/ # Business services (agent-card, a2a, etc.)
โ โโโ security/ # Security middleware + utilities
โ โโโ prisma.ts # Prisma client (serverless)
โโโ services/ # Go microservices
โโโ contracts/ # Solidity smart contracts
โโโ prisma/ # Prisma schema
โ โโโ schema.prisma # Database schema
โโโ scripts/ # SQL migrations & deploy scripts
โโโ docs/ # Documentation
Quick Start
1. Clone Repository
git clone https://github.com/everest-an/protocol-banks---web3.git
cd protocol-banks---web3
2. Install Dependencies
pnpm install
3. Configure Environment
cp .env.example .env.local
Edit .env.local:
# Database (Prisma + Supabase PostgreSQL)
DATABASE_URL=your_postgresql_connection_string
NEXT_PUBLIC_SUPABASE_URL=your_supabase_url
NEXT_PUBLIC_SUPABASE_ANON_KEY=your_anon_key
# Reown AppKit (Wallet Connection)
NEXT_PUBLIC_REOWN_PROJECT_ID=your_project_id
# Optional: Go Services
ENABLE_GO_SERVICES=false
4. Start Development Server
pnpm dev
Visit http://localhost:3000
Go Services (Optional)
Go microservices are for high-throughput scenarios. Not required for development.
# Configure environment
cd services
cp .env.example .env
# Start services (requires Docker)
docker-compose up -d
Security Architecture
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ Security Layers โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
Layer 1: Network
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ โข Rate Limiting (100 req/15min per user) โ
โ โข HTTPS Only (HSTS) โ
โ โข Security Headers (X-Frame-Options, CSP) โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ
โผ
Layer 2: Authentication
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ โข Session Management (HTTP-only Cookies) โ
โ โข API Key Authentication (HMAC-SHA256) โ
โ โข SIWE / EIP-4361 (AI Agent wallet-based login) โ
โ โข JWT Sessions (HMAC-SHA256, 1h access + 30d refresh) โ
โ โข A2A Message Signatures (EIP-191 per-message verification) โ
โ โข Nonce Replay Protection (DB unique constraint + 5-min timestamp window) โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ
โผ
Layer 3: Data
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ โข Row Level Security (Supabase RLS) โ
โ โข Encryption at Rest (AES-256) โ
โ โข Shamir Secret Sharing (2-of-3) โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ
โผ
Layer 4: Keys
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
โ โข HashiCorp Vault (Production) โ
โ โข Key Rotation (90 days) โ
โ โข Zero-Knowledge Architecture โ
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
Performance Metrics
| Metric | Target | Current |
|---|---|---|
| Single Payment Latency | <3s | 2.1s |
| Batch Payment (100 tx) | <60s | 45s |
| API Response Time (p95) | <200ms | 180ms |
| Go Service Throughput | 500+ TPS | 650 TPS |
| System Availability | 99.9% | 99.95% |
Documentation
| Document | Description |
|---|---|
| WHITEPAPER.md | Project whitepaper |
| docs/FEATURES_DOCUMENTATION.md | Feature usage guide |
| docs/GO_SERVICES_ARCHITECTURE.md | Go services architecture |
| docs/SECURITY.md | Security architecture |
| docs/SECURITY_AUDIT.md | Security audit report |
| docs/HASHKEY_INTEGRATION.md | HashKey Chain integration |
| ENV_SETUP.md | Environment configuration |
| REOWN_SETUP.md | Reown AppKit integration guide |
Roadmap
- Q4 2024 - Core payment features (single pay, batch pay, multi-sig)
- Q1 2025 - Multi-sig wallets, AI Agent API, x402 protocol
- Q2 2025 - Invoice system, POS acquiring, vendor security hardening
- Q3 2025 - Prisma migration, Vercel Cron, multi-chain balance dashboard
- Q4 2025 - Omnichain vault, session keys, subscription MCP
- Q1 2026 - Agent Link API, Settlement Checkout, HashKey Chain integration
- Q1 2026 - AI Wallet SDK (SIWE + JWT), ERC-8004 Agent Card, A2A Protocol, MCP Server
- Q2 2026 - Tron TRC20 full support, mobile native app, fiat on/off ramp
- Q3 2026 - AI-powered budget analytics, ZK privacy payments
- Q4 2026 - HSM hardware security module, MSafe (Aptos) integration
ไธญๆๆๆกฃ
้กน็ฎ็ฎไป
Protocol Banks ๆฏ้ฆไธช AI ๅ็็้ๆ็ฎกๅค้พๆฏไปๅบ็ก่ฎพๆฝ๏ผไธไธบ DAOใAI Agent ๅไผไธ็บง็จๆท่ฎพ่ฎกใไปปไฝ AI Agent ้ฝๅฏไปฅ้่ฟๅผๆพๆ ๅๅ็ฐ๏ผERC-8004 Agent Card๏ผใ้ไฟก๏ผA2A ๅ่ฎฎ๏ผๅ่ฐ็จ๏ผMCP Server๏ผๆไปฌ็ๆฏไปๆๅก โโ ๆๆๆไฝๅ็ฑ้พไธ็ญพๅไฟ้ๅฎๅ จใ
ๅจๆ ๅ็ๆน้ๆฏไปใๅค็ญพๅฎกๆนๅ่ฎข้ ็ฎก็ไนๅค๏ผProtocol Banks ๆไพๅฎๆด็ AI Agent ้่ๆ ๏ผSIWE ้ฑๅ ่ฎค่ฏใJWT ไผ่ฏ็ฎก็ใ่ชไธป้ข็ฎๆง่กๅ x402 ๆบๅจ้ดๅพฎๆฏไปๅ่ฎฎใ
ๆ ธๅฟๅ่ฝ
| ๅ่ฝๆจกๅ | ๆ่ฟฐ | ็ถๆ |
|---|---|---|
| ๅๆจกๅผ่ฎค่ฏ | ไธชไบบ็จๆท (Email/Google + ๅตๅ ฅๅผ้ฑๅ ) / ไผไธ็จๆท (็กฌไปถ้ฑๅ ) | โ ๅทฒๅฎๆ |
| ๅ็ฌๆฏไป | ๅค้พๆฏไป๏ผๆฏๆ ENS ่งฃๆ๏ผๅฎๆถ Gas ไผฐ็ฎ | โ ๅทฒๅฎๆ |
| ๆน้ๆฏไป | Excel/CSV ๅฏผๅ ฅ๏ผ500+ TPS ๅนถๅๅค็ | โ ๅทฒๅฎๆ |
| ๅค็ญพ้ฑๅ | Gnosis Safe ๅ่ฎฎ๏ผ็งปๅจ็ซฏๅฎกๆน๏ผๆจ้้็ฅ | โ ๅทฒๅฎๆ |
| ่ทจ้พๆไฝ | Rango Exchange ่ๅ๏ผZetaChain ๆกฅๆฅ๏ผCCTP ๆฏๆ | โ ๅทฒๅฎๆ |
| ่ฎข้ ็ฎก็ | ๅฎๆๆฏไป๏ผ่ชๅจๆฃๆฌพ๏ผไฝ้ข็ๆง | โ ๅทฒๅฎๆ |
| AI Agent API | Agent ้ข็ฎ็ฎก็๏ผx402 ๅ่ฎฎ๏ผ่ชๅจๆง่ก | โ ๅทฒๅฎๆ |
| AI Wallet SDK | [ๆฐๅข] SIWE (EIP-4361) ้ฑๅ ็ปๅฝ + JWT ไผ่ฏ๏ผAI Agent ่ชไธป่ฎค่ฏ | โ ๅทฒๅฎๆ |
| ERC-8004 Agent Card | [ๆฐๅข] ้พไธ Agent ่บซไปฝๅก๏ผDID ๆ ่ฏ๏ผEIP-191 ็ญพๅ้ช่ฏ | โ ๅทฒๅฎๆ |
| A2A ๅ่ฎฎ | [ๆฐๅข] Agent ้ด JSON-RPC 2.0 ้ไฟก๏ผ็ญพๅ้ช่ฏ + ้ฒ้ๆพ | โ ๅทฒๅฎๆ |
| MCP Server | [ๆฐๅข] ๆจกๅไธไธๆๅ่ฎฎๆๅกๅจ โ Claude/GPT ๅฏ็ดๆฅ่ฐ็จๆฏไปๅทฅๅ ท | โ ๅทฒๅฎๆ |
| Settlement Checkout | ็ปไธ็ป็ฎๆถ้ถๅฐ๏ผๆฏๆๅคๅธ็งๆททๅๆฏไปไธๆบ่ฝ่ทฏ็ฑ | โ ๅทฒๅฎๆ |
| Webhook | ไบไปถ้็ฅ๏ผHMAC ็ญพๅ้ช่ฏ | โ ๅทฒๅฎๆ |
| ่็ณปไบบๅฎๅ จ | ๅฐๅๅๆด็ญพๅ้ช่ฏใ24h ๅทๅดๆใ้ฎไปถ/ๆจ้้็ฅ | โ ๅทฒๅฎๆ |
| ๅ็ฅจ็ณป็ป | ้พไธๅ็ฅจ็ๆ๏ผๅบๅ้พไบคๆๅ ณ่ | โ ๅทฒๅฎๆ |
| ๆถๅ (POS) | ๅๆทๆถๆฌพใๆฏไป้พๆฅ | โ ๅทฒๅฎๆ |
AI ๅ็ๅบ็ก่ฎพๆฝ
Protocol Banks ๆฏ AI ๅ็ๆฏไปๆๅก โโ ไปปไฝ AI Agent ้ฝๅฏ้่ฟๅผๆพๆ ๅๅ็ฐใ่ฎค่ฏใ้ไฟกๅ่ฐ็จๆฏไป่ฝๅใ
ๅ ญๅคงไบคไบๆจกๅผ๏ผ
| ๆจกๅผ | ๅ่ฎฎ/ๆๆฏ | ่ฏดๆ |
|---|---|---|
| โ ๅ็ฐ | ERC-8004 Agent Card | GET /.well-known/agent.json ่ฟๅ Agent ่บซไปฝๅก๏ผDID ๆ ผๅผ๏ผdid:pkh:eip155:<chainId>:<address> |
| โก ่ฎค่ฏ | SIWE + JWT | AI ็จ็ง้ฅ็ญพๅ็ปๅฝ โ ่ทๅ 1h JWT + 30d ๅทๆฐไปค็๏ผๅ จ็จๆ ้ๆต่งๅจ |
| โข ้ไฟก | A2A ๅ่ฎฎ | POST /api/a2a JSON-RPC 2.0 ๆ ผๅผ๏ผๆฏๆกๆถๆฏ้ๅธฆ EIP-191 ็ญพๅ + nonce ้ฒ้ๆพ |
| โฃ ๅทฅๅ ท | MCP Server | 8 ไธชๆฏไปๅทฅๅ
ท๏ผๆฏๆ Streamable HTTP (/api/mcp) ๅ stdio (pnpm mcp:stdio) |
| โค ๆง่ก | Agent API | ้ข็ฎ็ฎก็ใๆฏไปๆๆกใ่ชๅจๆง่กใWebhook ้็ฅใๆดปๅจๅฎก่ฎก |
| โฅ ๆบๅจๆฏไป | x402 ๅ่ฎฎ | HTTP 402 + ERC-3009 ๆ Gas ๆๆ๏ผAI ้ดๅพฎๆฏไป |
่ฎค่ฏ่ทฏๅพ๏ผ
| ่ฐ็จๆน | ๆนๅผ | ๆต็จ |
|---|---|---|
| ๆต่งๅจ็จๆท | Reown AppKit / Shamir SSS | ้ฑๅ ็ญพๅๆๅตๅ ฅๅผ้ฑๅ |
| ๆณจๅ Agent | API Key (x-api-key) | agent_xxx ๅฏ้ฅ โ SHA-256 ๅๅธๆฅๆพ |
| AI Wallet SDK | SIWE โ JWT | EIP-4361 ็ญพๅ็ปๅฝ โ 1h ่ฎฟ้ฎไปค็ + 30d ๅทๆฐไปค็ |
| ๅค้จ Agent (A2A) | EIP-191 ้ๆก็ญพๅ | ๆฏๆก JSON-RPC ๆถๆฏ้ฝๅธฆๅฏ็ ๅญฆ็ญพๅ |
| MCP ๅฎขๆท็ซฏ | JWT Bearer | Claude/GPT ๅ ้่ฟ SIWE ่ฎค่ฏ่ทๅ JWT |
MCP ๅทฅๅ ทๅ่กจ๏ผ
| ๅทฅๅ ท | ่ฎค่ฏ | ่ฏดๆ |
|---|---|---|
list_supported_tokens | ๆ ้ | ๆฅ่ฏขๆฏๆ็ไปฃๅธๅ้พ |
get_payment_quote | ๆ ้ | ๆฅ่ฏข่ดน็จไผฐ็ฎ |
create_payment | JWT | ๅๅปบๆฏไปๆๆก |
check_payment_status | JWT | ๆฅ่ฏขๆฏไป็ถๆ |
list_payments | JWT | ๆฅ่ฏขๆฏไปๅ่กจ |
create_invoice | JWT | ๅๅปบๆถๆฌพๅ็ฅจ |
list_invoices | JWT | ๆฅ่ฏขๅ็ฅจๅ่กจ |
get_balance | JWT | ๆฅ่ฏข้ฑๅ ไฝ้ข |
ๆฏๆ็ๅบๅ้พ
| ้พ | ็ฑปๅ | ็ถๆ | ่ฏดๆ |
|---|---|---|---|
| Ethereum | EVM | โ | ไธป็ฝๆฏๆ๏ผ้ซไปทๅผ็ป็ฎ |
| Polygon | EVM L2 | โ | ไฝๆๆฌ๏ผ้ซๅๅ้ |
| Arbitrum | EVM L2 | โ | ้ขๅ ็ L2 ่งฃๅณๆนๆก |
| Optimism | EVM L2 | โ | OP Stack ็ๆ |
| Base | EVM L2 | โ | Coinbase ็ๆ๏ผ่ฟๆฅ Web2 ็จๆท |
| BNB Chain | EVM | โ | ไบๆดฒๆๅคง็ๆ |
| Solana | Non-EVM | โ | ้ซๆง่ฝ๏ผๆ้็กฎ่ฎค |
| Bitcoin | Non-EVM | โ | ๅ็ BTC ่ฝฌ่ดฆๆฏๆ |
| Tron (ๆณขๅบ) | Non-EVM | ๐ง | [ๆฐๅข] TRC20-USDT ๆทฑๅบฆ้ๆไธญ |
| HashKey | EVM L1 | โ | RWA ็ป็ฎ๏ผๅ่งไผๅ |
ๅฟซ้ๅผๅง
# ๅ
้
git clone https://github.com/everest-an/protocol-banks---web3.git
cd protocol-banks---web3
# ๅฎ่ฃ
pnpm install
# ้
็ฝฎ
cp .env.example .env.local
# ็ผ่พ .env.local
# ่ฟ่ก
pnpm dev
่ฏฆ็ปๆๆกฃ
AI Agent Quick Connect
Use with Claude Desktop (MCP)
Add to your claude_desktop_config.json:
{
"mcpServers": {
"protocol-banks": {
"url": "https://app.protocolbanks.com/api/mcp"
}
}
}
Or download the full config: mcp-config.json
Use with OpenAI GPTs
Import the action schema when creating a custom GPT:
https://app.protocolbanks.com/openai-action.json
Use Programmatically (AI Wallet SDK)
import { privateKeyToAccount } from 'viem/accounts'
const account = privateKeyToAccount('0x...')
// 1. Get nonce
const { nonce } = await fetch('https://app.protocolbanks.com/api/auth/siwe/nonce').then(r => r.json())
// 2. Sign SIWE message & verify
const message = `app.protocolbanks.com wants you to sign in with your Ethereum account:\n${account.address}\n\nSign in to Protocol Banks\n\nURI: https://app.protocolbanks.com\nVersion: 1\nChain ID: 1\nNonce: ${nonce}\nIssued At: ${new Date().toISOString()}`
const signature = await account.signMessage({ message })
const { accessToken } = await fetch('https://app.protocolbanks.com/api/auth/siwe/verify', {
method: 'POST', headers: { 'Content-Type': 'application/json' },
body: JSON.stringify({ message, signature })
}).then(r => r.json())
// 3. Make payments with JWT
await fetch('https://app.protocolbanks.com/api/payments', {
method: 'POST',
headers: { 'Authorization': `Bearer ${accessToken}`, 'Content-Type': 'application/json' },
body: JSON.stringify({ to: '0x...', amount: '100', token: 'USDC', chain: 'base' })
})
Discovery Endpoints
| URL | Purpose |
|---|---|
/.well-known/agent.json | ERC-8004 Agent Card |
/llms.txt | AI crawler summary |
/llms-full.txt | Full AI integration docs |
/api/openapi | OpenAPI 3.1 spec |
/mcp-config.json | MCP Server config |
/openai-action.json | OpenAI GPT Action schema |
Contact
- Website: protocolbanks.com
- GitHub: github.com/everest-an/protocol-banks---web3
- Email: everest9812@gmail.com
License
GNU General Public License v3.0 only (GPL-3.0-only) - see LICENSE for details.
For additional infringement and commercial compliance terms, see ADDITIONAL_LEGAL_TERMS.md.
Built for the Web3 Future ๐

