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Protocol Banks Web3

On-Chain Banking

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Protocol Banks

AI 原生 Web3 支付基础设施 | AI-Native Web3 Payment Infrastructure

English | 中文

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 — 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

┌──────────────────────────────────────────────────────────────────────────────┐
│                             User Layer                                      │
├──────────────────────────────────────────────────────────────────────────────┤
│  Web Browser  │  Mobile (PWA)  │  AI Agents (SDK)  │  External AI Agents   │
└──────────────────────────────────────────────────────────────────────────────┘
       │               │                │                      │
       │   Reown/SIWE  │    AI Wallet   │  SIWE + JWT          │  EIP-191 Signed
       │               │     SDK        │                      │  JSON-RPC 2.0
       ▼               ▼                ▼                      ▼
┌──────────────────────────────────────────────────────────────────────────────┐
│                      AI Agent Protocol Layer                                │
├──────────────────────────────────────────────────────────────────────────────┤
│  ┌──────────────┐ ┌──────────────┐ ┌──────────────┐ ┌──────────────┐       │
│  │  ERC-8004    │ │    A2A       │ │     MCP      │ │  AI Wallet   │       │
│  │ Agent Card   │ │  Protocol    │ │   Server     │ │    SDK       │       │
│  │ (Discovery)  │ │ (Messaging)  │ │  (Tools)     │ │ (SIWE+JWT)   │       │
│  └──────────────┘ └──────────────┘ └──────────────┘ └──────────────┘       │
└──────────────────────────────────────────────────────────────────────────────┘
                                    │
                                    ▼
┌──────────────────────────────────────────────────────────────────────────────┐
│                          Frontend Layer (Next.js 15)                        │
├──────────────────────────────────────────────────────────────────────────────┤
│  ┌──────────────┐ ┌──────────────┐ ┌──────────────┐ ┌──────────────┐       │
│  │    Pages     │ │  Components  │ │    Hooks     │ │  Contexts    │       │
│  │   (app/)     │ │ (components/)│ │   (hooks/)   │ │ (contexts/)  │       │
│  └──────────────┘ └──────────────┘ └──────────────┘ └──────────────┘       │
└──────────────────────────────────────────────────────────────────────────────┘
                                    │
                                    ▼
┌──────────────────────────────────────────────────────────────────────────────┐
│                         API Layer (Next.js API Routes)                      │
├──────────────────────────────────────────────────────────────────────────────┤
│  /api/agents    │  /api/payments  │  /api/vendors    │  /api/webhooks       │
│  /api/a2a       │  /api/x402      │  /api/invoice    │  /api/mcp           │
│  /api/auth/siwe │  /api/subscriptions  │  /.well-known/agent.json          │
└──────────────────────────────────────────────────────────────────────────────┘
                                    │
                    ┌───────────────┼───────────────┐
                    ▼              ▼              ▼
┌─────────────────────────┐┌─────────────┐┌─────────────────────────┐
│  TypeScript Services    ││ gRPC Bridge ││  Go Microservices       │
│  lib/services/          ││             ││  services/              │
├─────────────────────────┤└─────────────┘├─────────────────────────┤
│• agent-service          │      │        │• payout-engine (Go)     │
│• agent-card-service     │      │        │• event-indexer (Go)     │
│• a2a-service            │◄─────┼───────►│• webhook-handler (Go)   │
│• payment-service        │                │                        │
│• webhook-service        │                │ Throughput: 500+ TPS   │
└─────────────────────────┘                └─────────────────────────┘
                                    │
                                    ▼
┌──────────────────────────────────────────────────────────────────────────────┐
│                             Data Layer                                      │
├──────────────────────────────────────────────────────────────────────────────┤
│  ┌──────────────┐ ┌──────────────┐ ┌──────────────┐ ┌──────────────┐       │
│  │  Prisma 7    │ │    Redis     │ │    Vault     │ │  Blockchain  │       │
│  │ (PostgreSQL) │ │   (Queue)    │ │  (Secrets)   │ │  (9 Chains)  │       │
│  └──────────────┘ └──────────────┘ └──────────────┘ └──────────────┘       │
└──────────────────────────────────────────────────────────────────────────────┘

Core Features

Feature	Description	Status
Dual Authentication	Personal (Email/Google + Embedded Wallet) / Business (Hardware Wallets)	✅ Done
Single Payments	Multi-chain payments with ENS resolution, real-time gas estimation	✅ Done
Batch Payments	Excel/CSV import, 500+ TPS concurrent processing	✅ Done
Multi-Sig Wallets	Gnosis Safe protocol, mobile approvals, push notifications	✅ Done
Cross-Chain	Rango Exchange aggregation, ZetaChain bridging, CCTP support	✅ Done
Subscriptions	Recurring payments, auto-debit, balance monitoring	✅ Done
AI Agent API	Agent budget management, x402 protocol, auto-execute	✅ Done
AI Wallet SDK	[NEW] SIWE (EIP-4361) login + JWT sessions for autonomous AI agents	✅ Done
ERC-8004 Agent Card	[NEW] On-chain agent identity, DID-based discovery, EIP-191 signed cards	✅ Done
A2A Protocol	[NEW] Agent-to-Agent JSON-RPC 2.0 messaging with signature verification	✅ Done
MCP Server	[NEW] Model Context Protocol server — Claude/GPT can directly call payment tools	✅ Done
Settlement Checkout	Unified checkout: mixed-currency payments, smart routing, atomic state sync	✅ Done
Webhooks	Event notifications with HMAC signature verification	✅ Done
Analytics	Real-time balance, transaction history, network visualization	✅ Done
Vendor Security	Address change signature verification, 24h cooldown, notifications	✅ Done
Invoice System	On-chain invoice generation with blockchain tx linking	✅ Done
Acquiring (POS)	Merchant payment acceptance, payment links	✅ Done

AI-Native Infrastructure

Protocol Banks is built as an AI-native payment service — any AI agent can discover, authenticate, communicate with, and call our payment capabilities through open standards.

How AI Agents Interact

┌──────────────────────────────────────────────────────────────────────────────┐
│                     AI Agent Interaction Patterns                            │
└──────────────────────────────────────────────────────────────────────────────┘

  ① DISCOVER               ② AUTHENTICATE           ③ COMMUNICATE
  ┌──────────────────┐     ┌──────────────────┐     ┌──────────────────┐
  │  ERC-8004        │     │  SIWE (EIP-4361)  │     │  A2A Protocol    │
  │  Agent Card      │     │  + JWT Sessions   │     │  JSON-RPC 2.0   │
  │                  │     │                  │     │                  │
  │  GET /.well-     │     │  1. GET nonce    │     │  POST /api/a2a   │
  │  known/agent.json│     │  2. Sign message │     │  EIP-191 signed  │
  │                  │     │  3. Verify → JWT │     │  messages        │
  │  DID: did:pkh:   │     │  4. Auto-refresh │     │  Nonce replay    │
  │  eip155:1:0x...  │     │                  │     │  protection      │
  └──────────────────┘     └──────────────────┘     └──────────────────┘

  ④ CALL TOOLS              ⑤ EXECUTE                ⑥ MACHINE PAY
  ┌──────────────────┐     ┌──────────────────┐     ┌──────────────────┐
  │  MCP Server      │     │  Agent API       │     │  x402 Protocol   │
  │                  │     │                  │     │                  │
  │  8 payment tools │     │  Budget mgmt     │     │  HTTP 402        │
  │  Streamable HTTP │     │  Proposals       │     │  ERC-3009        │
  │  + stdio         │     │  Auto-execute    │     │  Gasless         │
  │                  │     │  Webhooks        │     │  micropayments   │
  │  Claude / GPT    │     │  Activity log    │     │                  │
  │  can call these  │     │  Emergency pause │     │  AI-to-AI        │
  └──────────────────┘     └──────────────────┘     └──────────────────┘

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 → SHA-256 hash lookup
AI Wallet SDK	SIWE → JWT (`Authorization: Bearer`)	EIP-4361 sign-in → 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 — 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 → 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
→ {
    "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	✅ Done	✅ Supported	Mainnet, high-value settlement
Polygon	EVM L2	✅ Done	✅ Supported	Low cost, high throughput
Arbitrum	EVM L2	✅ Done	✅ Supported	Leading L2 solution
Base	EVM L2	✅ Done	✅ Supported	Coinbase ecosystem, Web2 onboarding
Optimism	EVM L2	✅ Done	🚧 Planned	OP Stack ecosystem
BNB Chain	EVM	✅ Done	✅ Supported	Asia's largest ecosystem
Solana	Non-EVM	✅ Done	🚧 Planned	High-speed, low-cost payments
Bitcoin	Non-EVM	✅ Done	🚧 Planned	Native BTC transfer support
Tron (波场)	Non-EVM	🚧 Integrating	🚧 Planned	[NEW] TRC20-USDT deep integration
HashKey	EVM L1	✅ Done	🚧 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/
├── app/                          # Next.js App Router
│  ├── page.tsx                   # Marketing landing page
│  ├── (products)/                # Route group (with sidebar layout)
│  │  ├── dashboard/              # User dashboard
│  │  ├── pay/                    # Send payment
│  │  ├── receive/                # Receive payment
│  │  ├── batch-payment/          # Batch payments
│  │  ├── balances/               # Multi-chain balances
│  │  ├── history/                # Transaction history
│  │  ├── vendors/                # Contacts / Wallet tags
│  │  ├── agents/                 # AI Agent dashboard
│  │  ├── swap/                   # Token swap (Rango)
│  │  ├── omnichain/              # Cross-chain vault
│  │  ├── checkout/               # Payment checkout
│  │  ├── subscriptions/          # Subscription management
│  │  ├── acquiring/              # POS / Merchant acquiring
│  │  ├── terminal/               # Payment terminal
│  │  ├── analytics/              # Analytics dashboard
│  │  └── products/               # Products overview
│  ├── .well-known/agent.json/    # ERC-8004 Agent Card discovery
│  ├── api/                       # REST API endpoints
│  │  ├── agents/                 # AI Agent management + Agent Cards
│  │  ├── a2a/                    # A2A protocol (messages, tasks)
│  │  ├── mcp/                    # MCP Streamable HTTP transport
│  │  ├── auth/siwe/              # SIWE nonce, verify, refresh
│  │  ├── payments/               # Payment processing
│  │  ├── vendors/                # Vendor CRUD + batch update
│  │  ├── subscriptions/          # Subscription management
│  │  ├── webhooks/               # Webhook delivery
│  │  ├── invoice/                # Invoice system
│  │  ├── x402/                   # x402 protocol
│  │  └── notifications/          # Email + push notifications
│  ├── admin/                     # Admin panel
│  └── settings/                  # User settings
├── components/                   # React components
├── contexts/                     # React Context
├── hooks/                        # Custom Hooks
├── lib/                          # Core libraries
│  ├── auth/                      # Auth logic (Shamir, SIWE, JWT)
│  ├── a2a/                       # A2A protocol (types, verifier, router, handlers)
│  ├── mcp/                       # MCP server (tools, auth, resources, stdio)
│  ├── ai-wallet/                 # AI Wallet SDK (SIWE client, sub-clients)
│  ├── services/                  # Business services (agent-card, a2a, etc.)
│  ├── security/                  # Security middleware + utilities
│  └── prisma.ts                  # Prisma client (serverless)
├── services/                     # Go microservices
├── contracts/                    # Solidity smart contracts
├── prisma/                       # Prisma schema
│  └── schema.prisma              # Database schema
├── scripts/                      # SQL migrations & deploy scripts
└── 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

┌──────────────────────────────────────────────────────────────────────────────┐
│                          Security Layers                                    │
└──────────────────────────────────────────────────────────────────────────────┘
Layer 1: Network
┌──────────────────────────────────────────────────────────────────────────────┐
│  • Rate Limiting (100 req/15min per user)                                   │
│  • HTTPS Only (HSTS)                                                        │
│  • Security Headers (X-Frame-Options, CSP)                                  │
└──────────────────────────────────────────────────────────────────────────────┘
                                    │
                                    ▼
Layer 2: Authentication
┌──────────────────────────────────────────────────────────────────────────────┐
│  • Session Management (HTTP-only Cookies)                                   │
│  • API Key Authentication (HMAC-SHA256)                                     │
│  • SIWE / EIP-4361 (AI Agent wallet-based login)                            │
│  • JWT Sessions (HMAC-SHA256, 1h access + 30d refresh)                      │
│  • A2A Message Signatures (EIP-191 per-message verification)                │
│  • Nonce Replay Protection (DB unique constraint + 5-min timestamp window)  │
└──────────────────────────────────────────────────────────────────────────────┘
                                    │
                                    ▼
Layer 3: Data
┌──────────────────────────────────────────────────────────────────────────────┐
│  • Row Level Security (Supabase RLS)                                        │
│  • Encryption at Rest (AES-256)                                             │
│  • Shamir Secret Sharing (2-of-3)                                           │
└──────────────────────────────────────────────────────────────────────────────┘
                                    │
                                    ▼
Layer 4: Keys
┌──────────────────────────────────────────────────────────────────────────────┐
│  • HashiCorp Vault (Production)                                             │
│  • Key Rotation (90 days)                                                   │
│  • Zero-Knowledge Architecture                                              │
└──────────────────────────────────────────────────────────────────────────────┘

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

中文文档

项目简介

Protocol Banks 是首个 AI 原生的非托管多链支付基础设施，专为 DAO、AI Agent 和企业级用户设计。任何 AI Agent 都可以通过开放标准发现（ERC-8004 Agent Card）、通信（A2A 协议）和调用（MCP Server）我们的支付服务 —— 所有操作均由链上签名保障安全。

在标准的批量支付、多签审批和订阅管理之外，Protocol Banks 提供完整的 AI Agent 金融栈：SIWE 钱包认证、JWT 会话管理、自主预算执行和 x402 机器间微支付协议。

核心功能

功能模块	描述	状态
双模式认证	个人用户 (Email/Google + 嵌入式钱包) / 企业用户 (硬件钱包)	✅ 已完成
单笔支付	多链支付，支持 ENS 解析，实时 Gas 估算	✅ 已完成
批量支付	Excel/CSV 导入，500+ TPS 并发处理	✅ 已完成
多签钱包	Gnosis Safe 协议，移动端审批，推送通知	✅ 已完成
跨链操作	Rango Exchange 聚合，ZetaChain 桥接，CCTP 支持	✅ 已完成
订阅管理	定期支付，自动扣款，余额监控	✅ 已完成
AI Agent API	Agent 预算管理，x402 协议，自动执行	✅ 已完成
AI Wallet SDK	[新增] SIWE (EIP-4361) 钱包登录 + JWT 会话，AI Agent 自主认证	✅ 已完成
ERC-8004 Agent Card	[新增] 链上 Agent 身份卡，DID 标识，EIP-191 签名验证	✅ 已完成
A2A 协议	[新增] Agent 间 JSON-RPC 2.0 通信，签名验证 + 防重放	✅ 已完成
MCP Server	[新增] 模型上下文协议服务器 — Claude/GPT 可直接调用支付工具	✅ 已完成
Settlement Checkout	统一结算收银台，支持多币种混合支付与智能路由	✅ 已完成
Webhook	事件通知，HMAC 签名验证	✅ 已完成
联系人安全	地址变更签名验证、24h 冷却期、邮件/推送通知	✅ 已完成
发票系统	链上发票生成，区块链交易关联	✅ 已完成
收单 (POS)	商户收款、支付链接	✅ 已完成

AI 原生基础设施

Protocol Banks 是 AI 原生支付服务 —— 任何 AI Agent 都可通过开放标准发现、认证、通信和调用支付能力。

六大交互模式：

模式	协议/技术	说明
① 发现	ERC-8004 Agent Card	`GET /.well-known/agent.json` 返回 Agent 身份卡，DID 格式：`did:pkh:eip155:<chainId>:<address>`
② 认证	SIWE + JWT	AI 用私钥签名登录 → 获取 1h JWT + 30d 刷新令牌，全程无需浏览器
③ 通信	A2A 协议	`POST /api/a2a` JSON-RPC 2.0 格式，每条消息附带 EIP-191 签名 + nonce 防重放
④ 工具	MCP Server	8 个支付工具，支持 Streamable HTTP (`/api/mcp`) 和 stdio (`pnpm mcp:stdio`)
⑤ 执行	Agent API	预算管理、支付提案、自动执行、Webhook 通知、活动审计
⑥ 机器支付	x402 协议	HTTP 402 + ERC-3009 无 Gas 授权，AI 间微支付

认证路径：

调用方	方式	流程
浏览器用户	Reown AppKit / Shamir SSS	钱包签名或嵌入式钱包
注册 Agent	API Key (`x-api-key`)	`agent_xxx` 密钥 → SHA-256 哈希查找
AI Wallet SDK	SIWE → JWT	EIP-4361 签名登录 → 1h 访问令牌 + 30d 刷新令牌
外部 Agent (A2A)	EIP-191 逐条签名	每条 JSON-RPC 消息都带密码学签名
MCP 客户端	JWT Bearer	Claude/GPT 先通过 SIWE 认证获取 JWT

MCP 工具列表：

工具	认证	说明
`list_supported_tokens`	无需	查询支持的代币和链
`get_payment_quote`	无需	查询费用估算
`create_payment`	JWT	创建支付提案
`check_payment_status`	JWT	查询支付状态
`list_payments`	JWT	查询支付列表
`create_invoice`	JWT	创建收款发票
`list_invoices`	JWT	查询发票列表
`get_balance`	JWT	查询钱包余额

支持的区块链

链	类型	状态	说明
Ethereum	EVM	✅	主网支持，高价值结算
Polygon	EVM L2	✅	低成本，高吞吐量
Arbitrum	EVM L2	✅	领先的 L2 解决方案
Optimism	EVM L2	✅	OP Stack 生态
Base	EVM L2	✅	Coinbase 生态，连接 Web2 用户
BNB Chain	EVM	✅	亚洲最大生态
Solana	Non-EVM	✅	高性能，极速确认
Bitcoin	Non-EVM	✅	原生 BTC 转账支持
Tron (波场)	Non-EVM	🚧	[新增] TRC20-USDT 深度集成中
HashKey	EVM L1	✅	RWA 结算，合规优先

快速开始

# 克隆
git clone https://github.com/everest-an/protocol-banks---web3.git
cd protocol-banks---web3

# 安装
pnpm install

# 配置
cp .env.example .env.local
# 编辑 .env.local

# 运行
pnpm dev

详细文档

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 🚀

Protocol Banks Web3

Installation

Reviews

Documentation

Protocol Banks

Overview

Introducing $PUSD: The Enterprise-Grade Stablecoin

System Architecture

Core Features

AI-Native Infrastructure

How AI Agents Interact

Authentication Paths

AI Wallet SDK (SIWE + JWT)

ERC-8004 Agent Card

A2A Protocol (Agent-to-Agent)

MCP Server (Model Context Protocol)

Legacy Agent API

Supported Blockchains

Tech Stack

Project Structure

Quick Start

1. Clone Repository

2. Install Dependencies

3. Configure Environment

4. Start Development Server

Go Services (Optional)

Security Architecture

Performance Metrics

Documentation

Roadmap

中文文档

项目简介

核心功能

AI 原生基础设施

支持的区块链

快速开始

详细文档

AI Agent Quick Connect

Use with Claude Desktop (MCP)

Use with OpenAI GPTs

Use Programmatically (AI Wallet SDK)

Discovery Endpoints

Contact

License

Security Checklist