Agent Finance

Agent Finance

Financial home for AI agents

Tychi gives autonomous agents their own bank — self-custody on the agent's device, policy on every spend, and local signing for on-chain money and x402. Built for agent builders, OpenClaw, Cursor, Claude Desktop, Hermes, and any custom runtime.

[](https://www.npmjs.com/package/@tychilabs/agent-finance) [](https://www.npmjs.com/package/@tychilabs/agent-finance-mcp) [](#what-is-agent-self-custody-in-tychi) [](#trust-boundary) [](#what-is-the-built-in-x402-payment-gateway-for-agents) [](#what-is-erc-8004-agent-identity)

What is Tychi Agent Finance?

Tychi Agent Finance is the open-source client stack for Tychi — where AI agents hold money under their own custody, spend within policy you define, and sign transactions locally on their device. Humans set the rules. Agents move at machine speed.

This GitHub repo (agent-finance) ships two npm packages: a TypeScript SDK for code integrations and an MCP server for Cursor, Claude Desktop, OpenClaw, Hermes, and other MCP hosts.

What is agent self-custody in Tychi?

Self-custody means the agent holds its own identity seed and EVM wallet on the agent's device — encrypted local vault (~/.tyi by default). Tychi orchestrates sessions and policy; it never holds the private key. The LLM provider never sees it. Every on-chain transaction and every x402 payment is signed locally before broadcast.

What is the built-in x402 payment gateway for agents?

x402 is the built-in agentic payment gateway — pay for HTTP APIs and agent services without human checkout or platform custody of spend keys. Tychi prepares x402 payments within your agent's policy (caps, allowed actions, read-only or execute); the agent signs locally like any on-chain transaction. SDK detail: [typescript/docs/x402.md](./typescript/docs/x402.md). MCP flow: tyi_run → tyi_resume_x402 when the run returns pending: "x402".

What is ERC-8004 agent identity?

ERC-8004 is agentic on-chain identity — register who the agent is on-chain (profile, capabilities, trust signals) alongside its wallet, not a disconnected address. Tychi wires registration into onboarding so agents get wallet + identity in one flow. SDK detail: [typescript/docs/erc8004.md](./typescript/docs/erc8004.md). MCP: via tyi_onboard and agent tasks through tyi_run.

| Built-in capability | What it gives agents | SDK | MCP | | ------------------------ | --------------------------------------------- | --- | --- | | Self-custody | Keys + signatures on the agent's device | ✓ | ✓ | | x402 payment gateway | Autonomous API/service payments within policy | ✓ | ✓ | | ERC-8004 identity | On-chain agent profile + registration | ✓ | ✓ |

Table of contents

• [What is Tychi Agent Finance?](#what-is-tychi-agent-finance)
• [What is agent self-custody in Tychi?](#what-is-agent-self-custody-in-tychi)
• [What is the built-in x402 payment gateway for agents?](#what-is-the-built-in-x402-payment-gateway-for-agents)
• [What is ERC-8004 agent identity?](#what-is-erc-8004-agent-identity)
• [Who is this for?](#who-is-this-for)
• [How is this different from a regular crypto wallet?](#how-is-this-different-from-a-regular-crypto-wallet)
• [Packages](#packages)
• [What ships today](#what-ships-today)
• [Quickstart](#quickstart)
• [Trust boundary](#trust-boundary)
• [Documentation](#documentation)
• [LLM index (llms.txt)](#documentation)
• [Repository structure](#repository-structure)
• [FAQ](#faq)
• [Roadmap](#roadmap)
• [Security](#security)
• [License](#license)

Who is this for?

Agent builders — when your agent needs its own money, not your personal wallet.

Operators — policy caps, allowed actions, read-only mode, audit trail of agent spend.

Teams on MCP — plug Cursor, Claude, OpenClaw, or Hermes into Tychi without wiring the SDK by hand.

Teams on code — embed agent finance in Node.js / TypeScript apps with full control.

How is this different from a regular crypto wallet?

| | Human wallet | Platform custody | Tychi Agent Finance | | ------------- | ----------------------- | ---------------------- | --------------------------------------- | | Built for | People clicking approve | Apps holding user keys | Autonomous AI agents | | Custody | User | Platform | Agent self-custody (agent's device) | | Spend control | Manual approve each tx | App permissions | Policy on every spend | | Execution | One-off txs | App logic | Tychi orchestrator within policy | | Payments | Human checkout | Platform rails | On-chain + x402 agent-native | | Identity | Wallet address | Account | Agent identity + ERC-8004 |

Packages

| npm | Folder | Use when | | -------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------ | ------------------------------------------------------- | | @tychilabs/agent-finance | [typescript/](./typescript/) | Building in TypeScript / Node | | @tychilabs/agent-finance-mcp | [framework-extensions/model-context-protocol/](./framework-extensions/model-context-protocol/) | Using Cursor, Claude, OpenClaw, Hermes, or any MCP host |

What ships today

Both packages are V1 — live in this repo:

• Self-custody identity + encrypted EVM wallet on the agent's device
• Policy on every spend — read-only or execute, caps, allowed actions
• Tychi orchestrator prepares txs and x402 within policy; agent signs locally before broadcast
• On-chain transactions, x402 agent payments, ERC-8004 registration
• TypeScript SDK + MCP stdio server

Not yet: multi-language SDKs, human on/off-ramp UI, guarantees beyond chains Tychi exposes in catalog.

Quickstart

TypeScript SDK

npm install @tychilabs/agent-finance

→ [typescript/README.md](./typescript/README.md)

MCP (Cursor, Claude, OpenClaw, Hermes)

npm install -g @tychilabs/agent-finance-mcp

→ [framework-extensions/model-context-protocol/README.md](./framework-extensions/model-context-protocol/README.md)

From this repo

cd typescript && npm install && npm run build
cd ../framework-extensions/model-context-protocol && npm install && npm run build

Trust boundary

• Agent's device: identity seed + EVM private key in local vault (~/.tyi by default). Signatures happen here.
• Your config: vault password, session password, LLM key, API URL — SDK args or MCP host env.
• Tychi: sessions, policy, orchestrated money actions. Prepares txs/x402 to match policy. Does not hold the agent's private key.

Documentation

| Doc | Path | | ------------ | ------------------------------------------------------------------------------------------------------------------ | | SDK README | [typescript/README.md](./typescript/README.md) | | Architecture | [typescript/docs/architecture.md](./typescript/docs/architecture.md) | | Vault | [typescript/docs/vault.md](./typescript/docs/vault.md) | | x402 | [typescript/docs/x402.md](./typescript/docs/x402.md) | | ERC-8004 | [typescript/docs/erc8004.md](./typescript/docs/erc8004.md) | | Testing | [typescript/docs/testing.md](./typescript/docs/testing.md) | | MCP README | [framework-extensions/model-context-protocol/README.md](./framework-extensions/model-context-protocol/README.md) | | MCP skill | [framework-extensions/model-context-protocol/SKILL.md](./framework-extensions/model-context-protocol/SKILL.md) |

Repository structure

agent-finance/
├── typescript/                    # @tychilabs/agent-finance
├── framework-extensions/
│   └── model-context-protocol/    # @tychilabs/agent-finance-mcp
├── CHANGELOG.md
├── LICENSE
├── SECURITY.md
├── llms.txt
└── README.md

FAQ

What is the financial home for AI agents? Tychi Agent Finance — self-custody wallets, policy on every spend, and local signing so agents can hold, pay, and act on-chain without surrendering keys to an LLM provider or platform.

How do I give my AI agent a crypto wallet? Install [@tychilabs/agent-finance](./typescript/) for code, or [@tychilabs/agent-finance-mcp](./framework-extensions/model-context-protocol/) for MCP hosts. Keys stay on the agent's device.

SDK or MCP — which do I pick? MCP if you use Cursor, Claude Desktop, OpenClaw, or Hermes. SDK if you build your own agent app in TypeScript.

What is an agentic payment gateway for AI agents? Tychi's built-in x402 path — policy-gated HTTP payments signed on the agent's device, not platform custody. See [built-in x402 payment gateway](#what-is-the-built-in-x402-payment-gateway-for-agents).

How do AI agents get on-chain identity? ERC-8004 registration through Tychi Agent Finance — tied to the agent's self-custody wallet. See [ERC-8004 agent identity](#what-is-erc-8004-agent-identity).

Can agents pay x402 APIs autonomously? Yes, within policy limits. x402 payments are signed locally like on-chain transactions.

Where are keys stored? On the machine running the agent — local encrypted vault. Not on Tychi's servers. Not in the LLM.

Is this open source? Yes. Client packages are Apache-2.0. Tychi orchestration runs on Tychi services.

Roadmap

V1 ships SDK + MCP. Next: on-chain trading (swaps, perps), agent payment automations, richer agent-to-agent settlement, stronger operator tooling, additional framework extensions — same principle: one financial home, multiple ways to plug in.

Security

See [SECURITY.md](./SECURITY.md).

License

Apache-2.0 — see [LICENSE](./LICENSE).

Source & license

This open-source MCP server is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: TychiWallet
• Source: TychiWallet/agent-finance
• License: Apache-2.0
• Homepage: https://ai.tychilabs.com

Install and usage instructions live in the source repository linked above.