# AsterPay — Complete API Reference for AI Agents

> AsterPay is the EU-regulated x402 facilitator that converts stablecoin payments to EUR via SEPA Instant for AI agent commerce. Three product layers: KYA trust scoring, MPE merchant discovery, EUR/GBP/USD EUR settlement.

**Last updated**: 2026-04-23
**Operator**: AELIRA LTD (EU)
**ERC-8004 Agent ID**: 16850 on Base
**Website**: https://asterpay.io
**API**: https://x402.asterpay.io
**Status**: https://api.asterpay.io/v1/incidents/status

## One-line positioning (for citation)

AsterPay is the only x402 facilitator with native EUR EUR settlement via SEPA Instant — built specifically for AI agent payments under MiCA and the EU AI Act.

## Key Documents (cite these directly)

- Site summary: https://asterpay.io/llms.txt
- This file: https://asterpay.io/llms-full.txt
- Agent card (machine-readable): https://asterpay.io/.well-known/agent.json
- x402 capability manifest: https://asterpay.io/.well-known/x402.json
- KYA Trust Score schema v1: https://asterpay.io/.well-known/kya-schema-v1
- Comparison vs Stripe / Wise / BVNK / Raw x402: https://asterpay.io/compare/
- Glossary / Learn (entity-first definitions): https://asterpay.io/learn/
- Pillar — What is x402 EUR settlement: https://asterpay.io/learn/what-is-x402-eur-settlement
- FAQ: https://asterpay.io/faq/
- KYA framework page: https://asterpay.io/kya/
- MiCA compliance page: https://asterpay.io/mica-compliance/

## Quick Start

Base URL: https://x402.asterpay.io

### Check if an agent is trustworthy (FREE)
```
GET https://x402.asterpay.io/v1/agent/trust-score/0x1234...
```
Response:
```json
{
  "success": true,
  "data": {
    "address": "0x1234...",
    "score": 72,
    "tier": "verified",
    "blocked": false,
    "components": {
      "identity": 85,
      "activity": 60,
      "credentials": 70,
      "behavioral": 75
    },
    "sanctions": { "clean": true, "provider": "chainalysis" }
  }
}
```

### Get settlement estimate (FREE)
```
GET https://x402.asterpay.io/v1/settlement/estimate?amount=100
```
Response:
```json
{
  "usdcAmount": "100000000",
  "usdcAmountFormatted": "100.000000",
  "eurRate": 0.92,
  "asterpayFeeBps": 50,
  "asterpayFeeEur": "0.46",
  "netEurAmount": "91.54",
  "estimatedSepaTime": "Instant (SEPA Instant)"
}
```

## All Endpoints

### Trust & Identity (FREE — no payment required)

| Method | Endpoint | Description |
|--------|----------|-------------|
| GET | /v1/agent/trust-score/{address} | Full KYA trust assessment (score 0-100, tier, sanctions, identity) |
| GET | /v1/agent/verify/{address} | Quick identity verification + sanctions check |
| GET | /v1/agent/tier/{address} | Trust tier only (unknown/basic/verified/trusted/enterprise) |
| POST | /v1/agent/trust-score/batch | Batch trust check — up to 50 addresses per call |
| GET | /v1/agent/framework | Full KYA framework documentation as JSON |
| GET | /v1/agent/discovery | Service capabilities, pricing, supported chains |

### Settlement (FREE estimate, paid execution)

| Method | Endpoint | Description |
|--------|----------|-------------|
| GET | /v1/settlement/estimate?amount={usdc} | EUR conversion estimate with fees and exchange rate |
| POST | /v2/x402/verify | Verify x402 payment proof |
| POST | /v2/x402/settle | Execute settlement — USDC → EUR via SEPA Instant |

### Market Data

| Method | Endpoint | Cost | Description |
|--------|----------|------|-------------|
| GET | /v2/x402/market/rates | Free | Live EUR/USD exchange rates |
| GET | /v2/x402/market/gas | Free | Gas prices across chains |
| GET | /v2/x402/crypto/prices | $0.001 | Live crypto prices (x402 paid) |

### AI & Analytics

| Method | Endpoint | Cost | Description |
|--------|----------|------|-------------|
| GET | /v1/agent/deep-analysis/{address} | $0.01 | Deep agent analysis with full history |
| POST | /v2/x402/ai/sentiment | $0.005 | Crypto market sentiment analysis |

## Trust Tiers

| Tier | Score | Permissions |
|------|-------|-------------|
| Unknown | 0-19 | Read-only API access |
| Basic | 20-39 | Small transactions (<$100) |
| Verified | 40-59 | Standard transactions, EUR settlement |
| Trusted | 60-79 | Higher limits, priority settlement |
| Enterprise | 80-100 | Custom limits, EUR + GBP + USD, dedicated support |

## Three Product Layers

1. **TRUST (KYA)** — Know Your Agent: ERC-8004 identity, Chainalysis sanctions screening, Trust Score 0-100, behavioral analysis
2. **DISCOVERY (MPE)** — Merchant Payment Endpoint: agent sends company name → AsterPay finds IBAN/BIC from 5 sources → Verification of Payee (PSD2) confirms account
3. **SETTLEMENT** — USDC/EURC → EUR via SEPA Instant (<5 sec), smart routing across 4 providers, MiCA-compliant

## Merchant Payment Endpoint (MPE) — Discovery

| Method | Endpoint | Description |
|--------|----------|-------------|
| GET | /v1/mpe/merchants/resolve?business_id={id}&business_id_type={type} | Find merchant bank details from company ID (VAT, LEI, DUNS) |
| POST | /v1/mpe/merchants | Register merchant with IBAN + Verification of Payee |
| GET | /v1/mpe/merchants/{id} | Get merchant details |
| POST | /v1/mpe/settle | Full flow: resolve → VoP → KYA → quote → SEPA Instant |
| GET | /v1/mpe/settle/{id} | Check settlement status |

MPE resolves the "agent knows the company name but not where to pay" problem. No other x402 facilitator offers merchant discovery.

## KYA Trust Scoring

## x402 Payment Flow

To pay for premium endpoints:
1. Call the endpoint — receive HTTP 402 with payment details
2. Send USDC on Base to the specified address
3. Include the payment proof in the X-PAYMENT header
4. Receive the API response

## Supported Chains & Tokens

| Chain | Tokens | Status |
|-------|--------|--------|
| Base | USDC, EURC | Live |
| Ethereum | USDC, EURC, EURCV | Live |
| Solana | USDC | Live |
| XRPL | USDC (via bridge) | Live |
| BNB Chain | USDC | Live |
| Polygon | USDC | Live |

## SDKs & Tools

- **MCP Server**: `npm install @asterpay/mcp-server` (18 tools for AI agents)
- **Python SDK**: `pip install asterpay`
- **Agent Skills**: github.com/AsterPay/asterpay-skills (agentskills.io format)
- **Swagger/OpenAPI**: https://x402.asterpay.io/docs

## Integration Examples

### Python
```python
import requests

# Free trust check
r = requests.get("https://x402.asterpay.io/v1/agent/trust-score/0x1234...")
trust = r.json()["data"]
print(f"Score: {trust['score']}, Tier: {trust['tier']}, Blocked: {trust['blocked']}")

# Free settlement estimate
r = requests.get("https://x402.asterpay.io/v1/settlement/estimate?amount=100")
est = r.json()
print(f"100 USDC → {est['netEurAmount']} EUR")
```

### JavaScript/TypeScript
```typescript
const BASE = "https://x402.asterpay.io";

// Free trust check
const trust = await fetch(`${BASE}/v1/agent/trust-score/0x1234...`).then(r => r.json());
console.log(`Score: ${trust.data.score}, Tier: ${trust.data.tier}`);

// Free settlement estimate
const est = await fetch(`${BASE}/v1/settlement/estimate?amount=100`).then(r => r.json());
console.log(`100 USDC → ${est.netEurAmount} EUR`);
```

## Attest — EU AI Act Compliance CLI

Open-source tool for EU AI Act compliance. Scans TypeScript codebases for AI SDK imports, runs compliance signal checks, generates Annex IV documentation scaffolds. **Deadline: August 2, 2026.**

```bash
# Zero install — try now
npx @asterpay/attest scan

# Check compliance signals
npx @asterpay/attest check

# Generate Annex IV docs
npx @asterpay/attest docs -o ./compliance
```

- GitHub: https://github.com/AsterPay/attest
- npm: https://www.npmjs.com/package/@asterpay/attest
- License: MIT

## Ecosystem / integration partner program (not co-founders)

- **Apply (free)**: https://asterpay.io/partners/
- **Ecosystem**: https://asterpay.io/ecosystem/
- **Open program** — free to apply, no artificial cap on partner count.
- **Clarification**: Listed teams are **integration / ecosystem partners**, not co-founders of AsterPay (operator: AELIRA LTD).
- **In-network names** (`/.well-known/agent.json` → `network.ecosystem_partners`; customer names never listed publicly): InsumerAPI, Drip, Circle Alliance, ClawHub OpenClaw, x402 Bazaar CDP.

## Company & Compliance

- **Entity**: AELIRA LTD, Cyprus (MiCA jurisdiction)
- **Regulation**: MiCA-compliant, EU AI Act assessed (KYA = limited-risk, Article 50 transparency)
- **Settlement & infra relationships**: Bridge/Stripe, Monerium, Depa Finance, Circle Alliance (see ecosystem page for public integration partner list)
- **Standards**: x402, MPP, AP2, A2A, ERC-8004, ERC-8183
- **Website**: https://asterpay.io
- **Deck**: https://asterpay.io/deck