Decentralized Payment Agent
What is DePA?
DePA is a decentralized payment agent designed to revolutionize digital transactions with secure, transparent, and intelligent payment solutions.
Built on advanced AI Agent technology, it serves as the core infrastructure for the future of encrypted payments.
Supporting multi-chain and multi-currency transactions, DePA enables high-frequency, small-amount, password-free payments with seamless efficiency. By bridging the gap between Web2 and Web3, it accelerates the transition to an intelligent era of frictionless value flow.
Agent-to-Agent Automated Payments
High-Frequency Micro-Payments
Multi-Chain & Multi-Currency Compatibility
Seamless Web2-Web3 Bridge
Password-Free Authorization
Why DePA is Needed?
Over the past few years, we have witnessed how decentralized finance (DeFi) has reshaped the underlying protocols of finance, and how Decentralized Physical Infrastructure Networks (DePIN) are incentivizing the construction of the physical world through token-based mechanisms.
However, two critical gaps prevent mainstream adoption:Complex User Experience: Simple goals like "I want to pay" or "I want to earn yield" require users to navigate a labyrinth of wallets, gas fees, and smart contracts.Ecosystem Silos: The worlds of traditional finance (Web2) and decentralized protocols (Web3) are disconnected, making it slow and expensive to move value between them.
Ordinary users cannot—and should not—be expected to become experts in interacting directly with smart contracts. The current DeFi experience is akin to asking every driver to also be an automotive engineer, while existing centralized payment agents (such as automated trading features in various wallets) suffer from single points of failure, trust issues, and high fee structures.
The emergence of DePA is set to fill this void. It is defined as:
In simple terms, if DeFi is rebuilding the “roads and rails” of finance—the fundamental infrastructure—then DePA is the self-driving car that travels on this infrastructure, enabling everyone to reach their value destination effortlessly and seamlessly.
Core Features
A true DePA ecosystem is built upon the following foundational features.
An autonomous transaction and settlement system between AI agents that completes payment processes without human intervention. Different Agents can autonomously negotiate, execute, and settle transactions, significantly improving efficiency and reducing operational costs. Through large language models, intent recognition and task decomposition are achieved, ensuring intelligent and automated payment processes. Al ready supports standardized protocols including A2A and X402 for seamless cross-agent interoperability.
Core Mechanisms:
- Communication and transactions between Agents via protocols
- Automated negotiation and execution of payment terms
- Intermediary-free settlement based on smart contracts
- LLM-driven intent recognition and task decomposition
An autonomous transaction and settlement system between AI agents that completes payment processes without human intervention. Different Agents can autonomously negotiate, execute, and settle transactions, significantly improving efficiency and reducing operational costs. Through large language models, intent recognition and task decomposition are achieved, ensuring intelligent and automated payment processes. Al ready supports standardized protocols including A2A and X402 for seamless cross-agent interoperability.
Core Mechanisms:
- Communication and transactions between Agents via protocols
- Automated negotiation and execution of payment terms
- Intermediary-free settlement based on smart contracts
- LLM-driven intent recognition and task decomposition
Users maintain full control while granting verifiable authorization to Agents for specific actions within defined boundaries. Authorization is achieved through smart contracts or verifiable off-chain credentials (such as EIP-712 compliant signatures), ensuring authorization rules are transparent and auditable.
Core Mechanisms:
- Authorization via smart contracts or verifiable off-chain credentials
- EIP-712 compliant signatures for approval
- Transparent and auditable authorization rules
- Private keys remain under user's control
Natural intent expression through LLM-based Chat interface - Users can directly express payment intentions in natural language within the Chat interface (e.g., "Help me find a cost-effective wireless mouse within a 200 RMB budget"). The large language model understands user needs and converts them into structured instructions that drive the payment Agent to execute the entire process.
Core Mechanisms:
- Natural language understanding with large language models
- Direct expression of complex payment intents in chat
- Intent parsing into executable instructions
- Multi-turn dialogue for clarification
DePA serves as a composable protocol layer, enabling the integration of specialized modules to construct potent and tailored Agents. These modules are engineered for distinct functions—payments, trading, and investing—allowing for the systematic assembly of functional components and ensuring seamless interoperability across diverse Agent capabilities
Core Mechanisms:
- Specialized skill modules for payments, trading, investing
- Interoperability between different Agent capabilities
- Customizable Agent configurations
Advantages of DePA
DePA in Action
Zen7
Zen7 Payment Agent is a live
implementation.