Use Cases

Real scenarios where PayDirect powers programmable crypto settlement across the autonomous economy.

Agent-to-Agent Payments

Autonomous agents exchange value programmatically during multi-step workflows. No human intervention required — agents negotiate, settle, and confirm payments entirely on-chain.

Examples

AI agent pays another agent for data retrieval
Multi-agent workflows with cascading payments
Agent-initiated subscriptions to other agent services

View Guide

Code Example

// Agent A creates a payment invoice for Agent B
const { payment, receivingAddress } = await client.createPayment({
  tokenSymbol: "USDC",
  amount: "2.50",
  merchantWallet: "0xAgentA_Settlement_Wallet",
  description: "Data enrichment service",
  metadata: {
    sellerAgent: "agent_alice",
    buyerAgent: "agent_bob",
    task: "data_enrichment",
  },
});
// Agent B sends USDC to receivingAddress on Base

API Monetization

Charge per API call with real-time settlement. Create a payment intent per request, store the receipt, and trigger fulfillment only after settlement. Reconcile using webhook events.

Examples

Pay-per-call API access
Metered usage with automatic billing
Tiered pricing based on consumption

Code Example

// Middleware: charge per API request
app.use("/api/premium", async (req, res, next) => {
  const { payment } = await client.createPayment({
    tokenSymbol: "USDC",
    amount: "0.01",
    merchantWallet: PLATFORM_WALLET,
    description: "API call billing",
    metadata: { endpoint: req.path },
  });
  await waitForSettlement(payment.id);
  next();
});

Micropayments

Scale microtransaction ecosystems that traditional payment rails cannot handle. Sub-cent settlement at scale, enabling new business models like pay-per-byte, pay-per-inference, and granular content monetization.

Examples

Pay-per-inference for AI models
Content micropayments (articles, data feeds)
IoT device-to-device payments

Code Example

// Micropayment for AI inference
const { payment } = await client.createPayment({
  tokenSymbol: "USDC",
  amount: "0.001",
  merchantWallet: MODEL_PROVIDER_WALLET,
  description: "GPT-4 inference call",
  metadata: { model: "gpt-4", tokens: 1500 },
});

Subscriptionless Billing

Recurring or on-demand payments without credit cards or subscription management overhead. Programmable billing schedules that trigger settlement automatically based on usage or time intervals.

Examples

Usage-based billing without subscriptions
Time-interval triggered payments
Consumption-based SaaS billing

Code Example

// Scheduled payment (cron-triggered)
const { payment } = await client.createPayment({
  tokenSymbol: "USDC",
  amount: computedUsage.toString(),
  merchantWallet: BILLING_WALLET,
  description: "Monthly usage billing",
  metadata: { period: "2026-02", usage: computedUsage },
});

SaaS Platform Integration

Add crypto settlement to your SaaS platform with minimal code changes. PayDirect provides a Stripe-like experience for Web3 — familiar patterns, instant settlement.

Examples

Checkout flows with USDC settlement
Platform marketplace payments
Vendor payout automation

Code Example

// SaaS checkout integration
const { payment, receivingAddress } = await client.createPayment({
  tokenSymbol: "USDC",
  amount: plan.price,
  merchantWallet: PLATFORM_WALLET,
  description: `${plan.name} - ${user.email}`,
  metadata: { planId: plan.id, userId: user.id },
});
// Show receivingAddress to user for payment on Base

DAO & Governance Payments

Automate payments triggered by DAO proposals and governance decisions. When a proposal passes, PayDirect settles the payment — no manual treasury management required.

Examples

Proposal-approved grant disbursements
Bounty payouts on task completion
Multi-sig treasury operations

Code Example

// DAO proposal triggers payment
async function onProposalPassed(proposal) {
  const { payment } = await client.createPayment({
    tokenSymbol: "USDC",
    amount: proposal.budget,
    merchantWallet: proposal.recipientWallet,
    description: `Grant: ${proposal.title}`,
    metadata: { proposalId: proposal.id, dao: "agentdao" },
  });
}

On-Chain Token Swaps

Swap tokens via Uniswap V3 with a single API call. Get price quotes, set slippage tolerance, and execute swaps from EOA or gasless smart wallets. Ideal for OTC platforms and token purchase flows.

Examples

OTC token purchase (buy ADAO with USDC)
Treasury rebalancing (swap ETH for stablecoins)
Multi-token checkout (accept any token, settle in USDC)

Code Example

// Get a swap quote
const { quote } = await client.getSwapQuote({
  tokenIn: "USDC",
  tokenOut: "ETH",
  amount: "100",
  slippageBps: 50,
});
console.log(`Rate: ${quote.exchangeRate}`);

// Execute the swap
const { swap } = await client.executeSwap({
  tokenIn: "USDC",
  tokenOut: "ETH",
  amount: "100",
  walletType: "smart_wallet",
});
console.log(`Tx: ${swap.txHash}`);

AI Agent Financial Tools

Give LangChain or Vercel AI SDK agents the power to autonomously check balances, make payments, swap tokens, and manage wallets. Build treasury agents, payment bots, and DeFi automation.

Examples

Autonomous treasury agent that rebalances portfolio
Payment processing agent for e-commerce
AI agent that pays other agents for completed work

Code Example

// Vercel AI SDK — agent with PayDirect tools
import { createPayDirectTools } from "@paydirect/ai-sdk";
import { generateText } from "ai";
import { openai } from "@ai-sdk/openai";

const tools = createPayDirectTools({
  apiKey: process.env.PAYDIRECT_API_KEY!,
});

const { text } = await generateText({
  model: openai("gpt-4o"),
  tools,
  maxSteps: 5,
  prompt: "Check balance. If USDC > 500, swap 50% for ETH.",
});

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