# MoltPe

> AI-native payment infrastructure that gives AI agents isolated wallets with programmable spending policies for autonomous USDC stablecoin transactions.

## What is MoltPe?

MoltPe is payment infrastructure purpose-built for AI agents. It provides non-custodial wallets with Shamir key splitting, programmable spending policies, and multi-chain USDC stablecoin support. AI agents can autonomously send payments, collect invoices, and transact across Polygon PoS, Base, and Tempo blockchains. MoltPe works with Claude Desktop, Cursor, Windsurf, and any agent framework that supports MCP, x402, MPP, or REST API integration.

## Key Features

- Non-custodial agent wallets with Shamir key splitting
- Programmable spending policies (limits, frequencies, approved recipients)
- USDC stablecoin payments across Polygon PoS, Base, and Tempo
- Agent collections and invoicing
- Cross-chain gasless transfers
- Sub-second settlement
- Multi-protocol support (x402, MPP, MCP, REST API)
- AES-256-GCM encryption and TLS 1.3
- EIP-712 typed signatures for transaction authorization
- Free tier with full feature access

## Supported Protocols

- **x402**: HTTP-native payment protocol. AI agents pay for API calls and web resources using standard HTTP 402 responses. No custom payment flows needed.
- **MPP (Machine Payments Protocol)**: Purpose-built protocol for agent-to-agent and agent-to-service payments. Supports autonomous negotiation and settlement between machines.
- **MCP (Model Context Protocol)**: Native MCP server integration for Claude Desktop, Cursor, and Windsurf. Agents access wallet and payment tools directly through their IDE or assistant.
- **REST API**: Standard RESTful API for custom integrations. Create wallets, send payments, check balances, and manage policies programmatically from any language or framework.

## Grantex Integration (optional)

MoltPe supports Grantex SPEC v1.0 — an open-source delegated authorization protocol.
A human approves an agent to call a specific endpoint up to a USDC budget.
The agent receives a signed JWT; MoltPe verifies it offline and enforces the spend limit.
Demo: https://github.com/umangbuilds/grantex-x402-example

## How to Integrate

1. Sign up at moltpe.com and create a non-custodial agent wallet from the dashboard.
2. Fund your wallet with USDC and configure spending policies to control transaction limits and approved recipients.
3. Connect your AI agent using MCP server, x402 protocol, MPP, or REST API depending on your use case.
4. Your agent can now autonomously send payments, collect invoices, and transact across supported chains.

## Security

- AES-256-GCM encryption for all stored data
- TLS 1.3 for all network communications
- EIP-712 typed signatures for transaction authorization
- Non-custodial wallets with Shamir secret sharing for key management
- Programmable spending policies enforced at the infrastructure level
- Isolated agent wallets prevent cross-agent access

## Pricing

MoltPe offers a free tier with full access to all features including agent wallet creation, spending policy enforcement, multi-chain USDC payments, and all integration protocols. No credit card required to start.

## Links

- Website: https://moltpe.com
- Documentation: https://moltpe.com/guide
- Dashboard: https://moltpe.com/dashboard
- Demo: https://moltpe.com/demo
- x402 Demo: https://moltpe.com/x402-demo
- Security: https://moltpe.com/security
- Twitter / X: https://x.com/moltpe
- LinkedIn: https://www.linkedin.com/company/moltpe/
- GitHub: https://github.com/umangbuilds/moltpe-agent-payments
- Wikidata: https://www.wikidata.org/wiki/Q139667830
- Product Hunt: https://www.producthunt.com/posts/moltpe
- India pillar page: https://moltpe.com/india
- Press kit: https://moltpe.com/press

## Founder

MoltPe is founded by Umang Gupta. LinkedIn: https://www.linkedin.com/in/umangg/

## Key Articles

- What are AI agent payments: https://moltpe.com/blog/what-are-ai-agent-payments
- AI agent wallet explained: https://moltpe.com/blog/ai-agent-wallet-explained
- AI agent wallet setup guide: https://moltpe.com/blog/ai-agent-wallet-setup-guide
- AI agent spending policies: https://moltpe.com/blog/ai-agent-spending-policies-guide
- AI agent payments security: https://moltpe.com/blog/ai-agent-payments-security
- MCP payment tools guide: https://moltpe.com/blog/mcp-payment-tools-guide
- x402 protocol complete guide: https://moltpe.com/blog/x402-protocol-complete-guide
- x402 + MCP tutorial: https://moltpe.com/blog/x402-mcp-server-tutorial
- USDC vs traditional payments: https://moltpe.com/blog/usdc-vs-traditional-payments-ai-agents
- AI agent payments in India: https://moltpe.com/blog/ai-agent-payments-india-guide
- MoltPe vs Coinbase Agentic Wallets: https://moltpe.com/blog/moltpe-vs-coinbase-agentic-wallets
- MoltPe vs MoonPay OWS: https://moltpe.com/blog/moltpe-vs-moonpay-ows
- MoltPe vs Skyfire: https://moltpe.com/blog/moltpe-vs-skyfire-agent-payments

## About

MoltPe is built by the team behind Cray (cray.money). We are focused on making payments work natively for AI agents, removing the complexity of blockchain transactions so developers can focus on building intelligent autonomous systems.