The open-source financial OS for the agentic internet

Stablecoin payments · global banking · virtual cards · fractional investing — plus x402 rails so AI agents can pay for what they use. One API, four SDKs, MIT-licensed.

Get API keys → · Docs · Pricing · Book a demo · API Spec

Stack

Live on registries

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Why FurlPay

The whole stack, open source — one developer platform that combines stablecoin payments, banking, cards, and investing and is built for AI agents to pay natively over x402. The combination below is what makes FurlPay different:

• Open source (MIT) — inspect & self-host the public surface
• Full financial OS — payments + banking + cards + investing in one API
• Agent-native x402 — pay-per-call APIs, agent spend budgets, Know-Your-Agent
• Fractional investing built in — stocks & ETFs via Alpaca
• First-class AI tools — LangChain, LlamaIndex & MCP out of the box
• Four SDKs, one surface — Node · Python · Go · Rust

_{FurlPay builds on the x402 open standard (Linux Foundation; Google, Visa, Circle, Anthropic, Vercel). See the docs.}

Quickstart — pick your path

Accept stablecoins & use the full API — npm i @furlpay/furlpay-node

import { Furlpay } from "@furlpay/furlpay-node";
const furlpay = new Furlpay({ apiKey: process.env.FURLPAY_API_KEY! });

const wallet = await furlpay.wallets.retrieve();                 // MPC smart-account balances
const order  = await furlpay.investing.createOrder({             // fractional stock, funded in USDC
  symbol: "AAPL", side: "buy", notional: 100,
});

Sell an API to AI agents over x402 — npm i @furlpay/x402

import { withX402 } from "@furlpay/x402";

// Unpaid requests get HTTP 402; paid ones run the handler. No API keys, no accounts.
export const GET = withX402(
  async () => Response.json({ data: "premium market signal" }),
  { payTo: "0xYourAddress", network: "base", amount: "10000", description: "Premium data" }
);

Give your AI agent a wallet — pip install furlpay-langchain (or furlpay-llamaindex)

from furlpay_langchain import get_furlpay_tools

tools = get_furlpay_tools()   # 12 tools: pay, invest, transfer, swap, and pay-per-call over x402
agent = create_tool_calling_agent(llm, tools, prompt)   # your agent can now move money — within a budget

Drive FurlPay from Claude / Cursor — add the MCP server to your client config:

{ "mcpServers": { "furlpay": {
  "command": "npx", "args": ["-y", "@furlpay/mcp-server"],
  "env": { "FURLPAY_API_KEY": "fp_live_sk_..." }
} } }

New here? furlpay-examples is clone-and-run for Next.js, Express, FastAPI, Go, Rust, MCP & x402 — the fastest path to a first payment.

What you can build

Capability	What it does
	Hosted checkout & payment intents, settled in USDC — instant, no chargebacks
	MPC / Safe smart accounts, passkeys, multi-chain balances
	Wallet-to-wallet, on-chain, batch; cheapest cross-chain stablecoin routing
	Virtual + physical card issuing, limits, freeze, spend controls
	Multi-currency accounts — IBAN / ACH / SEPA / SWIFT in and out
	Fractional stocks & ETFs (via Alpaca), portfolios, auto-invest (DCA)
	Pay-per-call APIs, agent spend budgets, Know-Your-Agent
	KYC / AML / Travel Rule, jurisdiction & tier engine
	Signed events (t=<unix>,v1=<hmac-sha256-hex>, 5-min replay window)

Architecture

flowchart LR
  A["Your app · AI agent"] -->|"REST · SDKs · MCP · x402"| B(("FurlPay API"))
  B --> C["Payments & Checkout"]
  B --> D["Wallets · MPC custody"]
  B --> E["Cards"]
  B --> F["Banking"]
  B --> G["Investing · Alpaca"]
  B --> H["x402 facilitator"]
  C --> I[("Solana · Base · USDC · banks")]
  D --> I
  E --> I
  F --> I
  G --> I
  H --> I

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SDKs — one API, four languages

Same client surface and the same webhook signature scheme everywhere.

Language	Install	Repo
Node.js / TypeScript	npm i @furlpay/furlpay-node	furlpay-node
Python	pip install furlpay	furlpay-python
Go	go get github.com/furlpay/furlpay-go	furlpay-go
Rust	cargo add furlpay	furlpay-rust

Build with Furlpay

Repo	What it is
furlpay-examples	⭐ Runnable examples for every stack — the fastest path to a first payment
furlpay-cli	stripe-cli for stablecoins — webhook forwarding & test events (@furlpay/cli)
furlpay-elements	Embeddable React checkout components (@furlpay/elements)
furlpay-account-kit	Safe/ERC-4337 smart accounts, paymaster, time-locked escrow (@furlpay/account-kit)
furlpay-x402	x402 facilitator + payment middleware — the first Solana-native x402 facilitator
x402-guard	x402 hardening middleware — nonce, replay & duplicate-settlement protection, zero deps (@furlpay/x402-guard)
furlpay-extension	MV3 browser extension (open for security audit)
furlpay-openapi	OpenAPI 3.1 spec — generate SDKs in any language
furlpay-solana-actions-template	Starter: Solana Actions & Blinks checkout links

AI agents — payment rails for the agentic internet

Give an AI agent a wallet: check balances, create checkouts, move stablecoins, invest, and pay for x402-metered APIs within a spending budget.

Repo	What it is
furlpay-mcp-server	MCP server — drive Furlpay from Claude, Cursor & AI agents (@furlpay/mcp-server)
furlpay-langchain	Furlpay tools for LangChain — 12 agent tools incl. autonomous x402 payments (pip install furlpay-langchain)
furlpay-llamaindex	Furlpay tool spec for LlamaIndex — same agent toolset (pip install furlpay-llamaindex)
furlpay-openbb-plugin	The execution layer for OpenBB Workspace — trade, DCA & settle in stablecoins
furlpay-travel-mcp	FurlPay Travels — compose Travala travel search + FurlPay pay (x402/USDC on Base or MCC-locked Visa VCN); earns the 10% cbBTC rebate (@furlpay/travel-mcp)

Data & investing

Repo	What it is
furlpay-market-data	Real-time stock/ETF quotes & bars — Alpha Vantage + Nasdaq aggregator with demo fallback (npm i @furlpay/market-data)
furlpay-auto-invest	Automated dollar-cost averaging — schedule recurring USDC-funded buys (npm i @furlpay/auto-invest)

Security & trust

Payments infrastructure is only as good as its security posture.

• Published, provenance-tracked packages across npm, PyPI & crates.io — no unsigned releases.
• x402-guard implements defenses for every known x402 facilitator flaw (request-binding, nonce linearization, allowance reserve-commit, settlement capacity limits, adaptive pricing) — the hardening layer facilitators skip.
• Private core — custody engines, fraud models, and HSM signing policies stay in a private monorepo; public packages are the supported, auditable surface.
• Responsible disclosure — [email protected]; see each repo's SECURITY.md. Please don't open public issues for vulnerabilities.

Contribute

We're building payment rails for the agentic internet, and the hard problems are open: agent spend mandates, Know-Your-Agent trust signals, idempotency & retry semantics, and SDK parity across languages.

• Open issues across the org — look for good first issue and help wanted
• agentic-payments label — the frontier problems (x402, spend mandates, KYA)
• Contributing guide

Community

• Questions & integration help — GitHub Discussions, enabled on every repo
• Watch demos & tutorials — YouTube @furlpay
• Join the conversation — Discord
• Security reports — [email protected] (see each repo's SECURITY.md)
• Show what you built — Discussions "Show and tell"

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Ready to move money — for humans and agents?

Get API keys → · Read the docs · Book a demo

_{Open source (MIT). Core custody, fraud models & HSM signing stay private; public packages are the supported surface.}