# AsterPay

> Trust, discovery, and EUR settlement layer for AI agent payments. Accepts both x402 (Coinbase) and MPP (Stripe/Tempo) on every paid endpoint. USDC/EURC in, EUR to bank — EUR via SEPA Instant in under 10 seconds today; GBP (Faster Payments) and USD (ACH) on the roadmap. EU-native via licensed European payment partners. Operated by AELIRA LTD (Cyprus).

> Disambiguation: AsterPay is not affiliated with Aster (ASTER) DEX, the BNB Chain perpetual exchange. AsterPay has no native token, no $ASTER, no on-chain governance, and no presence on BNB Smart Chain. Different company, different product.

The fastest way to learn AsterPay is the single-file skill at <https://asterpay.io/SKILL.md>. Read it once and your agent can install the SDK, run trust checks, resolve merchants, and settle EUR.

For the full API reference in one file: <https://asterpay.io/llms-full.txt>

Every page on this site is also available with a `.md` suffix for raw markdown consumption (for example <https://asterpay.io/docs.md>).

## Core surfaces

- [Master agent skill](https://asterpay.io/SKILL.md): Single-file onboarding for Claude, Cursor, Codex, and any MCP-aware coding agent. Install + trust check + first settlement in one curl.
- [Full API reference](https://asterpay.io/llms-full.txt): Complete machine-readable spec for every endpoint, schema, and SDK.
- [Agent card](https://asterpay.io/.well-known/agent.json): A2A and AP2 discovery card. Capability list, trust attestations, contact endpoints.
- [x402 discovery](https://asterpay.io/.well-known/x402.json): JSON-LD payment rail. Forward to other agents for one-shot connection.
- [MPP methods](https://x402.asterpay.io/.well-known/mpp-methods.json): Machine Payments Protocol method advertisement.
- [OpenAPI](https://x402.asterpay.io/docs/json): OpenAPI 3.1 spec, machine-consumable.
- [Swagger UI](https://x402.asterpay.io/docs): Interactive API explorer.

## Documentation

- [Documentation hub](https://asterpay.io/docs.md): Quick start, SDKs, KYA framework, settlement flow, examples.
- [x402 tutorial](https://asterpay.io/docs/x402-tutorial.html): How HTTP 402 becomes a native agent payment flow.
- [KYA framework spec](https://x402.asterpay.io/v1/agent/framework): The five trust layers, score components, tier mapping, ERC-8004 registry.
- [Get started in 60 seconds](https://asterpay.io/docs/): Sign up, first key, first call.

## Free agent endpoints (no auth)

- [Trust score](https://x402.asterpay.io/v1/agent/trust-score/{address}): GET. KYA assessment 0 to 100 for any wallet, returns blocked status.
- [Quick tier](https://x402.asterpay.io/v1/agent/tier/{address}): GET. Open / Verified / Trusted / Enterprise plus per-tx limit.
- [Verify agent](https://x402.asterpay.io/v1/agent/verify/{address}): GET. Identity plus sanctions in one call.
- [Batch trust](https://x402.asterpay.io/v1/agent/trust-score/batch): POST. Up to 50 addresses in one call.
- [KYA framework](https://x402.asterpay.io/v1/agent/framework): GET. Full spec response.
- [Discovery](https://x402.asterpay.io/v1/agent/discovery): GET. Capability list and pricing.
- [Settlement estimate](https://x402.asterpay.io/v1/settlement/estimate?amount=100): GET. EUR amount, fee, rate, SEPA timing.
- [Live FX rates](https://x402.asterpay.io/v2/x402/market/rates): GET. EUR/USD with rate-lock timestamp.

## Merchant Payment Endpoint (MPE)

- [Resolve merchant](https://x402.asterpay.io/v1/mpe/merchants/resolve?business_id=FI12345678&business_id_type=vat): GET. Company name or VAT to verified IBAN/BIC. Five sources, VoP confidence score.
- [Register merchant](https://x402.asterpay.io/v1/mpe/merchants): POST. Onboard with IBAN plus PSD2 Verification of Payee.
- [Settle via MPE](https://x402.asterpay.io/v1/mpe/settle): POST. Full pipeline: resolve, VoP, KYA, SEPA Instant, all in one call.

## Paid endpoints (x402 or MPP)

Every paid endpoint accepts both protocols. The 402 response carries both header sets.

- [Deep analysis](https://x402.asterpay.io/v1/agent/deep-analysis/{address}): GET, $0.01. Behavioral intelligence, velocity, funding source risk, percentile rank.
- [Crypto prices](https://x402.asterpay.io/v2/x402/crypto/prices): GET, $0.001. Live prices for major assets.
- [AI sentiment](https://x402.asterpay.io/v2/x402/ai/sentiment): POST, $0.005. Market sentiment for an arbitrary string.

## Session billing (bulk)

- [List packages](https://x402.asterpay.io/v1/sessions/packages): GET. Free. 50/$0.10, 250/$0.40, 1000/$1.00.
- [Activate session](https://x402.asterpay.io/v1/sessions/activate): POST. Returns `X-Session-Token` for header-based billing.

## MCP server tools

The [@asterpay/mcp-server](https://www.npmjs.com/package/@asterpay/mcp-server) exposes 18 tools to Claude, Cursor, Windsurf, Codex. The two highest-leverage tools:

- `agent_pay`: Pre-payment trust gate. Sanctions, score, tier ceiling, escrow recommendation. Call before any x402 payment over $1.
- `get_payment_rail`: Returns AsterPay's payment rail as JSON-LD. Forward to another agent for one-shot connection.

## SDKs

- [TypeScript SDK](https://www.npmjs.com/package/@asterpay/sdk): `npm install @asterpay/sdk`
- [Python SDK](https://pypi.org/project/asterpay/): `pip install asterpay`
- [MCP server](https://www.npmjs.com/package/@asterpay/mcp-server): `npx @asterpay/mcp-server`
- [Agent Ready library](https://www.npmjs.com/package/@asterpay/agent-ready): `npm install @asterpay/agent-ready`
- [Attest CLI for EU AI Act](https://www.npmjs.com/package/@asterpay/attest): `npx @asterpay/attest scan`

## Skills (one per workflow)

Distributed under [github.com/AsterPay/asterpay-skills](https://github.com/AsterPay/asterpay-skills) and via `npx @asterpay/skills add`.

- [settle-to-eur](https://github.com/AsterPay/asterpay-skills/tree/main/plugins/asterpay/skills/settle-to-eur): USDC, EURC, or EURCV to EUR via SEPA Instant.
- [check-trust-score](https://github.com/AsterPay/asterpay-skills/tree/main/plugins/asterpay/skills/check-trust-score): Pre-payment KYA gate for any counterparty wallet.
- [eu-launch](https://github.com/AsterPay/asterpay-skills/tree/main/plugins/asterpay/skills/eu-launch): Launch an AI agent business in the EU. MiCA, VAT, CASP, ERC-8004, AsterPay plus Invoica stack.

## Pages on asterpay.io

- [Homepage](https://asterpay.io/index.md): Product overview, dual protocol, six trust shields, tier ladder.
- [Documentation](https://asterpay.io/docs.md): Full developer docs.
- [API explorer](https://asterpay.io/api): Interactive endpoint tester.
- [Compare hub](https://asterpay.io/compare/): AsterPay vs Stripe, PayPal, Wise, raw x402.
- [AsterPay vs Coinbase CDP](https://asterpay.io/compare/asterpay-vs-coinbase-cdp/): Canonical x402 facilitator vs EU-native EUR settlement facilitator.
- [Learn: MiCA-aligned stablecoin settlement](https://asterpay.io/learn/mica-aligned-stablecoin-settlement/): MiCA Article 60 explained for stablecoin-to-EUR vendors.
- [Learn: Best x402 facilitator in Europe](https://asterpay.io/learn/best-x402-facilitator-europe/): Six selection criteria and a vendor table.
- [Learn: How to convert agent stablecoin payments to EUR](https://asterpay.io/learn/how-to-convert-agent-stablecoin-payments-to-eur/): Step-by-step from KYB to EUR-in-bank.
- [Learn hub](https://asterpay.io/learn/): Pillar guides on x402, KYA, MiCA, EUR settlement, and arbiter positioning.
- [Blog](https://asterpay.io/blog): Engineering and protocol writing.
  - [USDC to EUR settlement](https://asterpay.io/blog/usdc-to-eur-settlement)
  - [The x402 payment protocol](https://asterpay.io/blog/x402-payment-protocol)
  - [AI agent payments in Europe](https://asterpay.io/blog/ai-agent-payments-europe)
  - [Stablecoin off-ramp API](https://asterpay.io/blog/stablecoin-offramp-api)
- [Ecosystem](https://asterpay.io/ecosystem): Integration partners directory.
- [Partner program](https://asterpay.io/partners): Free, open, agent-visible listings.
- [Security](https://asterpay.io/security): Security model, audit, disclosure policy.
- [Terms of service](https://asterpay.io/terms.md)
- [Privacy policy](https://asterpay.io/privacy)
- [security.txt](https://asterpay.io/.well-known/security.txt)
- [sitemap.xml](https://asterpay.io/sitemap.xml): Full URL inventory for crawlers.

## Ecosystem partners

- Circle Alliance — USDC, EURC, EURCV stablecoin issuer.
- Coinbase x402 — protocol partner, listed at <https://x402.org/ecosystem>.
- InsumerAPI — on-chain attestation across 32 chains.
- Drip — usage metering and anomaly detection for agent traffic.
- ClawHub (OpenClaw) — agent action sandbox.
- x402 Bazaar (CDP) — agent service marketplace.
- [Invoica](https://www.invoica.ai/) — financial OS for AI agents. x402-native invoicing, multi-jurisdiction tax (12 countries, including EU VIES), and settlement detection across Base, Polygon, Arbitrum, and Solana.

## Payment protocols supported

- x402 (HTTP 402, Coinbase CDP standard)
- MPP / Machine Payments Protocol (Stripe and Tempo open standard)
- AP2 (Google Agent Payments Protocol)
- A2A (Google Agent-to-Agent Protocol)
- ERC-8004 (on-chain agent identity)
- ERC-8183 (agentic commerce protocol)

## Supported chains and assets

- Chains: Base (primary), Ethereum, Polygon, Arbitrum, Optimism
- Stablecoins: USDC, EURC, EURCV
- No native AsterPay token. Pricing is denominated in USDC.

## Pricing

- Free: KYA trust score, settlement estimate, MPE resolve, market data, framework spec, agent card.
- Paid per call: $0.001 to $0.10 USDC depending on endpoint, paid via x402 or MPP.
- EUR settlement fee, EU rail (default, EU-incorporated merchants): 0.5% + EUR 0.10 per settled txn.
- EUR settlement fee, US rail (US-incorporated merchants, routed via US-licensed banking partner): 1.5% + EUR 1.00 per settled txn.
- Rail is determined by the merchant's incorporation jurisdiction at KYB onboarding and disclosed in writing before activation.
- Session packages: 50 calls / $0.10, 250 / $0.40, 1000 / $1.00.
- No token discounts. No subscription required.

## Compliance and trust

- MiCA jurisdiction. AELIRA LTD, Cyprus.
- Sanctions screening on every paid call (Chainalysis).
- Travel Rule applied above 1,000 EUR.
- EU AI Act: KYA assessed as limited-risk, Article 50 transparency on every API response.
- Circle Alliance member.
- ERC-8004 Agent #16850 on Base mainnet.

## Company

- Operator: AELIRA LTD, Cyprus.
- Status: live on Base mainnet, x402.org/ecosystem listed.
- Hiring: Backend/Infra Engineer, Business Development Lead, Frontend/DX Engineer, Compliance Advisor. Remote, EU timezone. Contact hello@asterpay.io with subject "AsterPay hiring".
- Contact: hello@asterpay.io
- Discord: linked from <https://asterpay.io>
- X: @Asterpayment