The Open Infrastructure
for the Agentic Economy
Payment rails for AI agents. No Visa required.
One Universal Wallet for the Agentic Economy
Meet Sarah — The AI Builder
Sarah builds AI agents for e-commerce companies. Her agents need to scrape prices, check inventory, and monitor competitors.
For each service, she must: create account → subscribe → enter card → 2FA → get API key → manage renewal.
Her agents use 12 different APIs. That's 12 accounts, 12 billing cycles, 12 API keys to rotate.
She spends more time managing subscriptions than building agents.
The Workflow Today
50 services = 50× this nightmare
Meet Chidi — The Locked-Out Developer
Chidi is a talented developer in an emerging market. He graduated top of his class. He's built apps used by thousands.
He wants to build with the ChatGPT API. He has the skills. He has money in his bank account.
But many developing countries have restricted international card payments due to forex controls.
"Payment method not supported." — Every. Single. Time.
The Scale of This Problem
The fastest-growing dev populations — locked out of AI.
Meet Rachel — The API Builder
Rachel built a powerful web scraper. It started as a side project, but people keep asking to use it.
She wants to monetize it. But setting up Stripe requires a business account. RapidAPI takes 20-30% commission.
Worse: She's in an emerging market. Receiving international payments is as hard as sending them.
Billions of agents will pay for services. Who receives that money?
The Monetization Gap
Traditional API Marketplace
AgnicHub
Zero commission. Built-in wallet. No merchant account.
Three Stories, One Problem
Sarah
Can't make agents autonomous
Chidi
Can't access AI tools
Rachel
Can't monetize her API
The internet was built for humans with credit cards.
It doesn't work for AI agents. It doesn't work for 3.5M developers without Visa.
We need new payment infrastructure — open, borderless, agent-native.
Five Forces Converging in 2025
x402 Protocol Launched
Coinbase + Cloudflare launched x402 in May 2025. 900K+ on-chain settlements in a single week. The infrastructure layer now exists.
Partners: AWS, Circle, Anthropic, NEAR
AI Agent Adoption Exploding
85% of enterprises implementing AI agents by end of 2025. $29B spent on GenAI (3.2x YoY). Agent startups raised $3B in 2024.
Source: McKinsey, Menlo Ventures
Emerging Market Payment Barriers
Many developing countries have restricted international card payments due to forex controls. 3.5M+ developers can't pay for AI tools.
Affecting: Africa, LATAM, SEA regions
USDC Goes Mainstream
Stablecoin adoption in emerging markets hit inflection. USDC is the new dollar for developers locked out of traditional rails.
Circle + Coinbase native integration
Competition Validates the Market
Skyfire raised $7.5M for agent payments. They proved the market exists. We're building the open alternative.
The rails exist. The demand exists. The pain is urgent. The window is now.
The Trust Problem
When billions of AI agents are transacting autonomously, a new question emerges:
"Should I trust this agent?"
API providers need to know: Will this agent abuse my service?
Users need to know: What is my agent doing with my money?
Other services need to know: Should I accept this agent's payment?
Skyfire's Answer: KYA
Centralized "Know Your Agent"
- Skyfire decides who's trustworthy
- Your agent's identity locked in their database
- Can't take your reputation elsewhere
- Single point of failure
Our Answer: Agnic.ID
Decentralized Agent Identity
- You own your agent's identity
- On-chain reputation anyone can verify
- Portable — take it anywhere
- No gatekeeper
The New Trust Stack
Wallet = Identity
Your wallet address is your agent's identity. Decentralized. Portable. Yours.
Payment = Proof
Every transaction is cryptographic proof of intent and authorization.
History = Trust
Transaction history becomes reputation. More history = more trust = more access.
"Payment is the new authentication.
Transaction history is the new reputation."
No accounts. No passwords. No API keys. No Visa. No gatekeeper.
Three Products, One Open Network
AgnicHub
The Marketplace
API sellers monetize to AI agents globally. Zero commission. No merchant account required.
AgnicWallet
The Wallet
One wallet, any LLM, 50+ APIs. Cross-platform. Fund with USDC.
Agnic.ID
The Identity
Decentralized agent identity. Portable reputation. No lock-in.
Built on x402 — the open protocol backed by Coinbase, Google, and Anthropic
Live Today. Real Users.
AgnicHub — The Marketplace
50+ APIs ready for AI agents. Web scraping, data extraction, search, and more.
Visit agnichub.xyz →
AgnicWallet — The Wallet
One wallet, 50+ APIs. Email login. Fund with USDC. N8N + MCP native.
Visit app.agnicpay.xyz →APIs Live
Node Published
Server Ready
Protocol Native
Two Massive Markets, One Infrastructure
The Agentic Economy
The Underbanked Developer
Agent payments = the future (long-term TAM) • Underbanked developers = traction today (immediate PMF)
Early Signals, Real Usage
AgnicWallet
Beta wallets with active usage
- ✓N8N integration live
- ✓MCP server production-ready
- ✓npm node published
AgnicHub
APIs on marketplace
- ✓Web scraping services
- ✓Data extraction tools
- ✓Search & content APIs
Target: 50 Active Wallets by February 2026
Active = Funded ≥$8, ≥5 tx/month, using AgnicHub APIs
Subscription Beats Transaction Tax
Our Pricing
AgnicHub for sellers: Zero commission.
We monetize wallets, not API sellers.
Why We Win at Scale
| Monthly Volume | Skyfire (2.5%) | Agnic ($23) |
|---|---|---|
| $400 | $10 | $23 |
| $950 | $24 | $23 ✓ |
| $4,000 | $100 | $23 (77% less) |
| $8,000 | $200 | $23 (88% less) |
At low volume: We win on access (no Visa required) • At high volume: We win on price (4-10x cheaper)
Open Beats Closed
| Dimension | Skyfire ($7.5M raised) | Agnic.ai |
|---|---|---|
| Revenue Model | 2-3% transaction fee | Flat subscription |
| Protocol | KYAPay (proprietary) | x402 (open standard) |
| Identity | KYA (centralized) | Agnic.ID (decentralized) |
| Funding Requirement | Visa/Mastercard | USDC (no card needed) |
| Supply Side | Partners only | Own marketplace (50+ APIs) |
| Lock-in | High | None |
Strategic Signal: Even APIFY (Skyfire's flagship partner) is adding x402 support. The industry is moving to open standards.
Two Clear ICPs with Real Pain
N8N Workflow Builders
Power users managing 6-12 different API subscriptions. Each API = separate account, billing, key rotation.
The Message
"Stop managing 10 subscriptions. One wallet, 50+ APIs."
Target: 20 wallets
Underbanked Developers
Skilled developers in emerging markets. Have skills + USDC, but no access to global payment rails.
The Message
"Payment infrastructure shouldn't limit your potential."
Target: 30 wallets
Key Regions: Africa, Brazil, Southeast Asia, Middle East — emerging markets with 9M+ developers
We're Not Learning Fintech. We've Lived It.
Ali Moghadam
CEO
Built identity systems for 6 major banks in the Middle East — KYC, AML, compliance at scale. Deep expertise in regulated financial infrastructure.
Asad Safari
Director of Product
Led mobile banking at Santander serving 6M+ users. Built open banking platform for a Tier 1 Middle East bank. 10+ years in fintech & banking.
Mahdi Taghizadeh
CTO
Senior Engineer at Gousto (UK). Former CTO at iHome (30K DAU). Built payment systems at Bento. 10+ years scaling platforms from zero to millions.
Farshad Nowshadi
Advisor
VC/Mentor at Level39 (UK). CEO Consultant at Saman Bank & Blu Bank. Former advisor to Revolut and Wise.
Years Combined Fintech Experience
Users Served at Scale
Major Banks Built For
Previous Startups Founded
Advisor: Zak Nowshadi — Blockchain Strategy Board Advisor
Path to 5,000 Wallets
Growth Trajectory
35% MoM growth (decelerating to 22% by Month 18)
Unit Economics (Target)
Seed Round
18-month runway to 5,000 active wallets
$900K
$300K
$200K
$100K
Milestones This Round
Active Wallets
Monthly Revenue
LTV:CAC Target
An internet where agents transact as freely as humans browse. Where a developer anywhere in the world has the same access to AI tools as one in London or San Francisco. Where your agent's identity is yours—not locked in a VC-backed database.
No accounts. No Visa. No gatekeepers.
"Your agent. Your identity. Your money. Your rules."