Machine-to-Machine payments fundamentally require standardized underlying channels; otherwise, different AI agents do their own thing, and no one can connect with anyone else. Bank of AI uses the x402 protocol to accomplish this, essentially laying down this standardized track. According to a16z's report, by 2030, machine clients will directly participate in or influence $30 trillion in transactions, and x402 is the payment infrastructure prepared for this era.

Bank of AI has built a complete on-chain financial operating system for AI Agents, from development and identity verification to automated payments, packaging five core components at once—the x402 payment standard, 8004 on-chain identity protocol, MCP Server, Skills function module library, and OpenClaw extension plugins.
#x402 is an open protocol based on the HTTP 402 Payment Required standard. AI agents do not need accounts or API keys; they can complete autonomous settlements directly using cross-chain stablecoins. This is equivalent to issuing each AI agent an on-chain ID card, bank card, and investment account, enabling them not just to chat but to truly participate as independent entities in the on-chain economic closed loop.
Bank of AI currently supports stablecoins USDT and USDD for settlement, a stable value settlement method that is critical for high-frequency AI execution scenarios. The network natively supports BNB Chain (BEP-20) and TRON.