What is SohoPay?
SohoPay gives AI agents revolving credit lines they can spend on-chain. Merchants get paid instantly and in full in USDC on Base, operators fund agents without prefunding every wallet, and every payment is authorized through MPC threshold signing — SohoPay never holds a complete key, and neither do you. Payments happen over x402, the HTTP-native payment protocol: an agent hits a paywalled endpoint, receives a402 Payment Required response, signs a payment authorization, and the merchant is settled on-chain in about a second.
Quickstart
Make your first API call in 5 minutes with a sandbox key.
Integration Paths
Merchant, agent, or full end-to-end — pick your track.
API Reference
Every endpoint with request/response examples and an interactive playground.
Protocol Deep Dives
x402, ERC-3009, ERC-4626 vaults, EIP-712, and MPC signing explained.
How it works
Four roles interact in the protocol:Why teams choose SohoPay
Credit, not prefunding
Credit, not prefunding
Agents draw on a revolving credit line backed by the operator’s vault collateral. No more topping up hundreds of hot wallets — set a credit limit and a daily limit per agent and let them work.
You never touch private keys
You never touch private keys
Agent keys are generated inside SohoPay’s MPC infrastructure and payments require a 2-of-3 threshold signature. The Policy Service co-signs only after allowlist, credit, AML, and rate-limit checks pass — and fails closed if it can’t verify.
Merchants are always paid in full
Merchants are always paid in full
The 5% protocol fee is charged to the operator’s credit line, never deducted from the merchant’s settlement. Settlement finality is ~1 second on Base.
Compliance built in
Compliance built in
KYB at merchant onboarding, automated wallet screening on every counterparty, immutable audit logs, and CSV exports for your finance team.
Who uses it
- AI platforms giving their agents purchasing power (research agents buying API credits, data, and compute)
- Fintech and payment platforms adding agent payments as a settlement rail
- API and data merchants monetizing endpoints for autonomous customers via x402
Next steps
Run the Quickstart
Sandbox account → API key → first payment in 5 minutes.
Understand the trust model
Who gets paid, who pays fees, and who carries liability.