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Intent. Anything, delivered.

Payments, rewired for what’s next.
Fiat. Stablecoins. AI agents.

Ship your first charge Read the API
Lifecycle

Intent is all you need.

Person, bot, or autonomous agent — same endpoint. Real-time risk, signed webhooks, settlement in fiat, stablecoin, or onchain. No tradeoffs.

  1. 01
    Authorize
    One intent. Card, wallet, or onchain — your call.
    status:"requires_capture"
  2. 02
    Risk CheckAI
    ML scores every transaction. Under 80 ms.
    risk_score:0.07
  3. 03
    Capture
    Charge the source. Settle in fiat or USDC.
    settled_in:"USDC"
  4. 04
    Webhook
    Signed events. Verifiable. Replayable.
    event:"payment.succeeded"
In code

Same shape. Every language.

Card, stablecoin, or autonomous agent — every payment, one request shape. Pick your language. Keep your patterns.

POST /v1/payments
curl https://api.crosspay.io/v1/payments \
  -u sk_test_R8aQ...: \
  -H "Idempotency-Key: pay_2RxK7t9z" \
  -d amount=15000 \
  -d currency=krw \
  -d settlement=usdc \
  -d agent_id=agt_2RxK7t9z \
  -d payment_method=pm_2RxK7t9z
200 OK62 ms · USDC · risk 0.07
{
  "id": "pay_3RxK7t9zV2",
  "status": "succeeded",
  "amount_charged": 15000,
  "currency": "krw",
  "settled_in": "USDC",
  "settled_amount": "11.07",
  "agent_id": "agt_2RxK7t9z",
  "risk_score": 0.07,
  "agent_decision": "approve",
  "latency_ms": 62
}
Infrastructure

Built in. Not bolted on.

  • Universal rails

    One API. Every money rail.

    Card capture, stablecoin settlement, autonomous-agent transactions — same request shape, same idempotency, same ledger.

  • Agent-native

    AI agents, first-class.

    agent_id attribution. MCP-native flows. Per-decision signals. Your bots, NPCs, and AI commerce stacks ship with API surface — not workarounds.

  • Compliance privacy

    Public rails. Private payloads.

    Onchain settlement, auditable end-to-end. Card data and PII tokenized and encrypted before they touch your stack. PCI scope, minimized by design.

  • Asset protection

    Fraud, blocked in 80 ms.

    Every intent runs through our ML risk model — step up, hold, or block before funds move. Agent-aware signals included.

Get started

Zero to charged. Five minutes.

Sandbox keys, no signup. Same shape across Node, Python, and Go. Agents transact via MCP.

Getting Started
Sandbox key to first charge to verified webhook — the shortest path, in one read.
API Reference
Every endpoint with Try-it-out built in. Generated from OpenAPI 3.