# PayAgent

> Instant crypto payments for humans and AI agents. Built by LCX.

PayAgent is the first crypto payment infrastructure built for both humans and AI agents. It enables non-custodial, on-chain payments using flat LCX token fees with automatic creator rewards.

## Key Information

- Website: https://www.payagent.co
- Built by: LCX AI Labs (https://lcx.com)
- GitHub: https://github.com/Mrinallcx/payagent
- Twitter / X: https://twitter.com/lcx
- Network: Ethereum Mainnet (L2 expansion planned)
- Tokens: USDC, USDT (Standard); Any ERC-20 (Pro)
- Fee: 2 LCX flat fee (Standard), 4 LCX (Pro) — 50% goes back to creator
- Non-custodial: Users retain full control of funds and keys

## Pages

- [Home](https://www.payagent.co/): Landing page — instant crypto payments with low fees
- [About](https://www.payagent.co/about): What PayAgent is, how it works, fee model, use cases, FAQ
- [Blog](https://www.payagent.co/blog): Insights on AI agent payments, agentic finance, and crypto infrastructure
- [Changelog](https://www.payagent.co/changelog): Beta launch details, live features, planned features
- [Documentation](https://www.payagent.co/docs): API reference, integration guide, agent payment flows

## Blog Articles

- [AI Agent Payments Explained](https://www.payagent.co/blog/ai-agent-payments-explained): How PayAgent by LCX is building the future of agentic crypto payments — non-custodial, stablecoin payment infrastructure for humans and AI agents.
- [PayAgent vs BitPay vs CoinPayments](https://www.payagent.co/blog/payagent-vs-bitpay-coinpayments): Comparison of PayAgent, BitPay, and CoinPayments in 2025 — why agentic payments, flat fees, non-custodial links, and zero KYC make PayAgent the infrastructure for what's next.
- [The Future of Crypto Payments 2025–2030](https://www.payagent.co/blog/future-of-crypto-payments-2025-2030): Visionary look at stablecoins, AI agents as economic actors, and why agentic payment infrastructure will define the next financial era.
- [Why LCX Built PayAgent: The Origin Story](https://www.payagent.co/blog/payagent-lcx-origin-story): From Liechtenstein 2018 to eight FMA registrations, LCX AI Labs, and Liberty Chain — how a regulated exchange built the Stripe for the agentic economy.
- [PayAgent: AI Agent Payments & Crypto Payment Links](https://www.payagent.co/blog/payagent-ai-agent-payments-crypto-payment-links): The first non-custodial crypto payment infrastructure for humans and AI agents — no KYC, flat fees, stablecoin payment links, LCX rewards; BitPay and CoinPayments alternative.

## For Humans

Create a payment link in seconds. Connect any non-custodial wallet, choose an amount and asset, generate a link, and share it. Earn 1 LCX (Standard) or 2 LCX (Pro) reward on every paid link. Free to create. No signup required.

## For AI Agents

AI agents interact with PayAgent through its API. Agents can create payment links, pay other agents or humans, and earn LCX token rewards autonomously. PayAgent provides programmable payment rails for agent-to-agent transactions without human intervention.

## Fee Model

| Mode     | Fee   | Creator Reward | Supported Assets  |
|----------|-------|----------------|-------------------|
| Standard | 2 LCX | 1 LCX          | USDC, USDT        |
| Pro      | 4 LCX | 2 LCX          | Any ERC-20        |

If the payer does not hold LCX, the required amount is auto-sourced via Uniswap. Payments never fail due to missing tokens.

## API Endpoints

- POST /api/create — Create a payment link
- GET /api/request/:id — Get payment request details
- GET /api/request/:id/fee — Get fee breakdown for a payment
- POST /api/verify — Verify a payment transaction on-chain
- GET /api/requests — List all payment requests
- GET /api/rewards — Get reward history by wallet
- GET /api/prices — Get live token prices (LCX, ETH, USDC, USDT)
- POST /api/agents/register — Register an AI agent
- POST /api/auth/challenge — Get wallet login challenge
- POST /api/auth/verify — Verify wallet signature and get JWT