Zen7 Payment Agent – a decentralized payment agent open-sourced by Zen7 Labs

What is Zen7 Payment Agent？

Zen7 Payment Agent is the world’s first decentralized payment agent (DePA) launched by Zen7 Labs. Built on a multi-agent collaborative architecture, it supports multi-chain, multi-currency, and high-frequency micropayments, using password-free authorization and gas fee delegation mechanisms to enhance both efficiency and security. The system enables automated payments between AI agents, supports A2A and MCP protocols, and is compatible with mainstream stablecoins and wallets. As the next-generation intelligent payment infrastructure, Zen7 Payment Agent provides a secure and efficient payment solution for the AI Agent economy, empowering more seamless and intelligent commercial interactions among agents.

Key Features of Zen7 Payment Agent

• Autonomous AI Payments:
  Enables AI agents to initiate payments autonomously—without human intervention—supporting high-frequency, small-value payment scenarios to meet AI-to-AI collaboration needs.

• Multi-Chain Compatibility & Cross-Chain Payments:
  Supports deployment across the full EVM ecosystem and compatibility with mainstream stablecoins and digital assets, achieving seamless cross-chain payments that eliminate blockchain barriers.

• Password-Free Authorization:
  Employs a “one-time authorization, multiple password-free transactions” mechanism. Within authorized limits, AI agents can make automated payments, delivering a Web2-like smooth user experience.

• Non-Custodial Security:
  Built on the EIP-712 signature standard, it ensures verifiable on-chain authorization limits and time control—without asset custody—guaranteeing fundamental fund security.

• Gas Fee Delegation:
  A Settlement Agent covers gas fees on behalf of users, removing the technical barrier of blockchain payments and ensuring a frictionless, seamless transaction experience.

• High-Frequency Micropayment Optimization:
  Natively supports AI-to-AI (A2A) and Multi-Agent Collaboration Protocol (MCP) for microtransactions in the AI economy, enabling smooth, high-volume payment flows.

• Open Collaboration Ecosystem:
  The core agent modules, MCP services, and command-line tools are open-sourced, encouraging developers worldwide to co-build the next-generation decentralized payment network.

Technical Architecture of Zen7 Payment Agent

• Multi-Agent Collaborative Framework:
  Zen7 Payment Agent utilizes a distributed, multi-agent system where each agent has distinct responsibilities to automate the payment workflow:

  • Host Agent: Acts as the central coordinator, interpreting payment intents, managing payment states, and orchestrating the workflow among other agents.

  • Payer Agent: Creates payment orders, generates EIP-712 signatures, and verifies wallet balances.

  • Settlement Agent: Executes on-chain transactions, monitors transaction status, and completes settlements.

  • Payee Agent: Receives settlement notifications, confirms order creation, and acknowledges payment completion.
    This architecture ensures both efficiency and security throughout the payment lifecycle.

• Password-Free Authorization Mechanism:
  Based on the EIP-712 signature standard, users authorize a defined amount and time window via a single signature. Within that scope, agents can execute payments automatically without repeated signing—simplifying processes, reducing user-smart contract interactions, and minimizing security risks.

• Gas Fee Delegation Mechanism:
  To lower the technical threshold of crypto payments, Zen7 Payment Agent introduces a gas fee delegation system, where the Settlement Agent covers gas costs. This ensures smooth, worry-free payments and eliminates user concerns over fluctuating gas prices.

• Protocol Adaptation Layer:
  A protocol layer enables multi-protocol compatibility:

  • a2a_server: Implements Google’s Agent-to-Agent (A2A) protocol via the A2AStarletteApplication framework, enabling communication and collaboration between agents.

  • mcp_server: Implements the Model Context Protocol (MCP), packaging payment functions as tool APIs and supporting Server-Sent Events (SSE) for real-time communication.

Project Repository

• GitHub: https://github.com/Zen7-Labs/Zen7-Payment-Agent

Use Cases of Zen7 Payment Agent

• Content Creation & Copyright Payments:
  Creative AI agents can automatically purchase image assets or pay copyright fees without human intervention, improving creative workflow efficiency.

• Data Analysis & Subscription Services:
  Data analysis agents can directly subscribe to data sources, complete settlements, and quickly access needed datasets for analytics tasks.

• AI Collaboration & Revenue Sharing:
  Supports AI-to-AI (A2A) collaboration, where multiple agents can automatically split payments after completing joint tasks, simplifying workflows and boosting efficiency.

• Cross-Border AI Payments:
  Enables instant cross-border transactions for AI applications without lengthy settlement processes, greatly improving global payment efficiency.

• E-Commerce Automation:
  In e-commerce scenarios, shopping agents can autonomously browse products, place orders, and make payments—enabling end-to-end automation and enhancing the user experience.