Programmable payment infrastructure for enterprises, AI agents, and people. Money that moves on condition — not on command.
Traditional rails move money from A to B. Programmable money carries its own rules — conditions, triggers, and yields — executing automatically without middleware or manual intervention.
Proco is not a wrapper around an existing rails product. It's a native stablecoin settlement protocol built non-custodial from day one.
Set conditions at the API call. Funds release only when criteria are met — delivery confirmed, milestone hit, verification passed.
Idle USDC earns ~3.5% APY automatically via Ethena integration. No manual sweeps, no locked funds, no yield left on the table.
Proco never holds customer funds. No Money Transmitter Licence required. Deploy globally from day one.
Your SDK call, your webhook handler
Compliance + chain routing + gas abstraction
Base / Solana / Ethereum · auto-selected
USDC transfer · immutable receipt · <30s
Any entity that needs to move money — a multinational treasury, an AI agent, a freelancer in Lagos. Proco runs the rails.
Give your AI agent a Proco wallet and a spending policy. It executes payments the moment conditions are met — model outputs, API events, smart contract triggers. The first payment rail built for non-human principals.
HR platforms, gig apps, and freelance marketplaces use Proco to pay the moment a project is submitted or shift ends. USDC settles to local bank accounts in 170+ countries — no correspondent banks, no 3-day delays, no FX haircut.
Connect Proco to any event source — IoT sensor, ERP trigger, smart contract condition. The payment executes atomically the moment the condition is met. No wire instruction. No AP queue. No Monday morning delay.
Freelancers and independent contractors worldwide receive USDC directly — no SWIFT fees, no 3–5% FX haircut, no 3-day banking wait. What you invoice is what lands. Self-custody or straight to your local bank account.
Program your treasury to sweep idle USDC across subsidiaries, yield accounts, and payment buffers — 24/7, no human instruction required. CFOs use Proco to eliminate wire delays and capture ~3.5% APY on every dollar waiting to move.
Every Proco module is programmable. Wire them together or use individually — each one carries logic, not just movement.
Payments that execute on event — IoT trigger, API call, smart contract condition, agent instruction. USDC across Base, Solana, Ethereum. p99 < 30s.
Compliance logic travels with the payment — KYC, KYB, AML, OFAC, Travel Rule, sanctions screening all baked in. No separate compliance layer to build.
Rules-based capital allocation. Program idle USDC to sweep automatically to yield, subsidiaries, or payment buffers. ~3.5% APY. 24/7, no instruction needed.
Non-custodial wallets with programmable spend policies. Issue to AI agents or end users. Set limits, conditions, and approval flows — or none at all.
AI agents are the next class of economic actors. They need micropayments at machine scale — no minimums, no interchange fees, 24/7, fully programmable. Only stablecoin rails work economically at this scale. Proco’s SDK is built to be embedded directly into agent frameworks.
AI agents are becoming the primary actors in digital commerce — executing contracts, paying contractors, managing subscriptions, routing capital at machine speed. Traditional rails were built for humans who approve every transaction. Programmable money is built for agents that execute on condition.
Give an agent a Proco wallet and a spending policy. It pays, settles, and reports on-chain. No bank account. No approval loop. No human in the chain.
Every Proco-powered payment creates a recipient experience, not just a settlement event. Recipients get a non-custodial USDC wallet instantly — and idle balances earn ~3.5% APY automatically via Ethena’s sUSDe integration. No bank account required. No crypto knowledge needed.
The same infrastructure a treasury team uses to sweep $4M overnight is the same infrastructure a contractor in Nairobi uses to hold stable value for the first time.
Most payment infrastructure holds your money in transit — even briefly. Proco doesn’t. Non-custodial at the protocol level means the funds move directly between parties. No money transmission licence overhead. No custody risk. No counterparty exposure.
The rules travel with the funds. Proco never touches them.
Set the conditions. Proco handles execution — compliance, routing, settlement. TypeScript SDK, REST API, full sandbox. No blockchain knowledge required.
Full types and auto-complete. OpenAPI 3.1 spec. Works with any language — Python, Go, Ruby clients available.
Real-time, HMAC-SHA256 signed delivery with retries. Every settlement status, compliance event, and failure — streamed instantly.
Mirror production exactly. Simulate settlements, failures, and compliance outcomes without touching real funds or chains.
Structured payment primitives built for autonomous agents operating at machine scale.
Traditional payment rails do one thing: move money from A to B. Programmable money is different. It carries logic — conditions, rules, and triggers — built into the transaction itself.
A payment can release only when a delivery is confirmed. An agent can spend only within pre-approved limits. Treasury can earn yield automatically while staying fully liquid. All of this executes on-chain, without middleware, without manual steps, without a custodian holding your funds.
Proco is the infrastructure layer that makes this a three-line API integration.
Most teams are in production within 48 hours. No blockchain knowledge required.