xPayLink is a cross-chain digital wallet system designed for AI agents and intelligent applications, providing a secure and efficient on-chain payment infrastructure for the AI-native economy. Built on an open blockchain protocol and natively integrating the x402 on-chain payment protocol, xPayLink enables AI agents to autonomously execute payments, settlements, and transactions, facilitating machine-to-machine value exchange.
Through xPayLink, AI agents can purchase data, invoke services, and complete settlements in real time without human intervention, making the flow of value as seamless as data transfer. The system positions itself as the cornerstone of a next-generation “AI Intelligent Payment Network,” aiming to fill the gaps in current payment systems for the machine economy and establish a new paradigm of open, reliable on-chain payments.
Rise of the AI-Native Economy:
With the development of large language models and intelligent agent technologies, AI is evolving from an auxiliary decision-making tool into autonomous “digital clients.” By 2030, transactions driven by AI agents are expected to reach tens of trillions of dollars. This entails a large volume of automated transactions, characterized by high frequency, small amounts, real-time triggers, and conditional execution—far beyond the design intentions of traditional payment networks.
For example, in retail and e-commerce, AI assistants can perform real-time price comparisons and automatically place orders. In data service scenarios, AI agents may frequently call APIs for information, with each payment often only a few cents. This high-speed, high-frequency, low-value, condition-triggered, composable, and global payment model imposes new requirements on underlying financial infrastructure.
On-Chain Payment Needs for the Agent Economy:
The intelligent agent economy demands payment systems with three key characteristics: real-time, low-latency processing; programmable triggers; and clearable, auditable transactions. Traditional financial networks struggle to meet these needs—for instance, cross-border transfers can take days and incur high fees, whereas AI agents require 24/7 operation with near-instant micro-payment confirmation.
Stablecoins and blockchain emerge as ideal solutions. Blockchain-based stablecoin payments can settle globally in real time without relying on the traditional banking system. Stablecoin usage has grown explosively: by mid-2025, global stablecoin circulation exceeded $240 billion, with over 40 million on-chain payments per day, and annual transaction volumes surpassing those of the VISA network multiple times. Decentralized on-chain payments are rapidly emerging, providing AI agents with an unprecedented medium for value exchange.
Limitations of Traditional Wallets:
Despite the potential of blockchain payments, mainstream digital wallets remain primarily user-centric, limiting their ability to serve AI agents’ automated needs. First, traditional wallets are typically single-chain, lacking cross-chain compatibility, and cannot support AI agents freely transacting across different blockchains. Second, they rely on manual operation and private key management; AI agents face security and authorization challenges in autonomous payments. Human users must manually initialize wallets, manage mnemonic phrases, and purchase stablecoins, which is too complex for AI agents.
Moreover, most wallets lack programmable logic and automatic triggers, preventing intelligent agents from executing conditional payment strategies independently. In summary, the shortcomings of traditional wallets in cross-chain support, usability, and automation constitute a bottleneck for the on-chain development of the AI economy, necessitating a new wallet architecture.
xPayLink adopts a modular architecture to ensure cross-chain compatibility, real-time settlement, and autonomous security. The system is composed of a multi-chain adaptation layer, wallet core layer, and extended feature layer, working together to support AI agents’ payment needs across complex blockchain environments. Key technical components include:
Cross-Chain Compatibility:
Supports seamless integration with major public chains and Layer 2 networks, including Ethereum mainnet, EVM-compatible chains, various Layer 2 scaling solutions, and Coinbase’s Base network. Through unified interfaces and account abstraction, xPayLink wallets share identity and asset state across blockchains, allowing AI agents to transact freely across multiple ecosystems without switching wallets. The multi-chain architecture also lays the foundation for cross-domain value flow, enabling one-click asset migration via cross-chain bridges.
Cross-Chain Bridge and Liquidity Network:
A built-in decentralized cross-chain bridge module, combined with a liquidity network, ensures fast asset conversion and transfer across chains. The module uses multi-signature and relay verification mechanisms for secure cross-chain operations. By aggregating stablecoin liquidity pools across chains, xPayLink enables instant cross-chain conversion of major stablecoin assets, reducing the cost of value transfer.
The cross-chain bridge allows AI agents to consume data or services across chains—for example, initiating a payment on Ethereum while accessing data from Solana or other networks—making the process transparent and seamless for both users and AI.