# OwnPay — Unified Human + Agentic Payment Infrastructure
> The Unified Payment Rail for SaaS, E-Commerce, and the Agent Economy — Built Natively on Base (Chain ID 8453).

## Core Overview
OwnPay unifies human checkout and autonomous AI machine-to-machine payments into a single non-custodial infrastructure.
- Network: Base Mainnet (Chain ID 8453)
- Testnet: Base Sepolia (Chain ID 84532)
- Settlement Asset: Native Base USDC (0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913)
- Finality: Under 2 seconds
- Gas Cost: <$0.001 per transaction (EIP-4337 Gasless Paymaster supported)

## Key Endpoints & API Reference

### 1. Unified Master Endpoints (`/v1`)
- `POST /v1/agents`: Register autonomous AI agent, provision non-custodial smart account, assign risk policy.
- `GET /v1/agents`: List all active agents and real-time balances.
- `POST /v1/agents/:id/freeze`: Emergency kill-switch to immediately freeze agent wallet.
- `POST /v1/payments`: Universal payment dispatch (routes automatically to Level 1 autonomous, Level 2 policy check, or Level 3 human review).
- `GET /v1/approvals`: List pending Level 3 human approvals.
- `POST /v1/approvals/:id/decide`: Approve or reject high-risk agent payment.
- `GET /v1/ledger`: Double-entry cryptographic settlement journal.
- `GET /v1/ledger/stats`: Volume breakdown (Human vs Agentic volume split).
- `GET /v1/audit-logs`: Immutable security audit log.

### 2. Human Merchant Intents (`/api/v1`)
- `POST /api/v1/intents`: Create fiat payment intent (converts BDT, USD, EUR, INR to Base USDC).
- `GET /api/v1/intents/:id`: Poll intent status or verify on-chain tx hash.
- `POST /api/v1/paymaster/sponsor`: Gasless EIP-4337 UserOp sponsorship.
- `POST /api/v1/sandbox/faucet`: Testnet simulator for instant intent confirmation on Base Sepolia.

### 3. HTTP 402 Micropayments (`x402 Protocol`)
- `GET /api/v1/x402/data-feed`: Pay-per-API data stream requiring HTTP 402 handshake.
- `GET /api/v1/x402/ai-compute`: Pay-per-token model inference rail.

## Client Integration Guide

### TypeScript SDK (`@ownpay/sdk`)
```typescript
import { OwnPayClient, OwnPayAgentClient } from '@ownpay/sdk';

// Human Merchant Checkout
const client = new OwnPayClient({
  apiKey: process.env.OWNPAY_API_KEY,
  environment: 'live' // Base Mainnet (8453)
});

const intent = await client.intents.create({
  order_id: 'ORDER-101',
  amount: 15.50,
  currency: 'USD'
});

// Autonomous AI Agent with transparent x402 intercept
const agent = new OwnPayAgentClient({
  agentId: 'agent_99',
  apiKey: process.env.OWNPAY_AGENT_KEY,
  chain: 'base'
});

const data = await agent.fetchWithX402('https://api.merchant.com/v1/feed');
```

## Model Context Protocol (MCP) Server Configuration
Add OwnPay to `mcp.json`:
```json
{
  "mcpServers": {
    "ownpay": {
      "command": "npx",
      "args": ["-y", "@ownpay/mcp-server@latest"],
      "env": {
        "OWNPAY_API_KEY": "own_live_YOUR_KEY",
        "BASE_CHAIN_ID": "8453"
      }
    }
  }
}
```

## Agent Skills
Install official agent skills:
```bash
npx skills add ownpay/skills
```

## Documentation Pages
- Full Interactive Docs Portal: /docs
- Developer API Reference: /docs?tab=api
- Merchant Portal & Settings: /dashboard
- Hosted Checkout & Payment Links: /pay
- POS Checkout Simulator: /
- x402 Live Console: /
- Institutional Investment Memorandum: /