Agentic Finance · Live

The payment rail
for agentic
finance.

By 2027, AI agents will execute more transactions than humans. Every existing payment rail requires a human in the loop. Proco doesn’t. This is the $250B+ infrastructure opportunity of the agentic economy.

p99 28s · uptime 99.97% · fee 0bp FX
SOC 2 Type II
Audited non-custodial architecture
OFAC + UN + EU sanctions screening
FATF Travel Rule compliant
On-chain audit trail · every tx
ISO 27001 in progress
28s
p99 settlement
24/7/365
170+
countries
live today
0bp
FX markup
flat fee per tx
99.97%
uptime · 90d
status.procohq.com
3
lines to integrate
TypeScript SDK
// live_settlement_feed · updating every 4s

The infrastructure
built for agents.

Every AI agent that transacts hits the same wall: payment rails built for human auth loops. Proco removes it. Conditions, triggers, and autonomous execution — built into the payment primitive itself.

settlement_monitor.ts
live
18.4s avg
Average settlement time
p99 → 28.1s
0bp
FX markup on every payment
vs 200–400bp on SWIFT
3chains
Auto-routed for lowest latency
Base · Solana · Ethereum
// protocol_architecture · v2.1.0

Designed from
the ground up.

Proco is purpose-built agentic finance infrastructure — not a wrapper around legacy rails. Native stablecoin settlement, non-custodial at the protocol level, designed for machine-scale autonomous transactions.

Feature — Logic layer

Conditional payments

Set conditions at the API call. Funds release only when criteria are met — delivery confirmed, milestone hit, verification passed.

Feature — Treasury

Autonomous treasury

Agents don’t wait for treasury ops. Program idle capital to sweep autonomously — to yield accounts, subsidiaries, or payment buffers — the moment a condition triggers. No human instruction required.

Feature — Architecture

Non-custodial by design

Agents transact directly — no intermediary custody, no MTL overhead, no counterparty exposure. A payment rail an agent can trust because no one else touches the funds.

04

Your application

Your SDK call, your webhook handler

your code
03

proco.payments.create()

Compliance + chain routing + gas abstraction

proco api
02

Chain router

Base / Solana / Ethereum · auto-selected

routing layer
01

On-chain settlement

USDC transfer · immutable receipt · <30s

settlement
// use cases

One rail. Every direction
money needs to move.

Agents call it to settle autonomously. Enterprises integrate it to eliminate AP queues. Protocols embed it as their payment primitive. Whether the sender is an AI, a treasury system, or a smart contract — the recipient settles in seconds.

AI · Agentic Payments

Agents that pay. No bank account. No approval loop.

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.

agent_wallet policy_engine m2m_payments on-chain
agent_payment.ts autonomous · live
// trigger: invoice.received · $12,400 const tx = await agent.pay({ amount: invoice.total, to: invoice.payee, currency: 'USDC', memo: invoice.id });   // settled in 8s · no approval needed // → tx.status: confirmed
settled · 0.001 USDC · 8.2s · no human intervention
M2M · Agent Commerce

Agents detect completion. Payments fire.

From AI agents settling trades the moment a threshold is hit, to supply chain bots triggering supplier payments on delivery confirmation, to multi-agent systems paying each other for compute and services — Proco is the payment rail for agents that act on condition. No human approval. No batch window. The agent executes, the money moves.

170+ countries p99 < 30s 0bp FX batch payments
agent_dispatch_run.json 3 settled · 1 routing
agenttaskamountstatus
inference_agent_09 llm_call $0.004 settled
vision_agent_03 ocr_parse $0.002 settled
search_agent_11 web_search $0.006 settled
code_agent_07 fn_execute $0.009 routing
Enterprise · Event-Driven

Pay the millisecond the event fires.

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.

event_triggered atomic iot_compatible sub_30s
IoT sensor fires
shipment confirmed · 14:23:07Z
Proco executes
condition matched · route:base
$850,000 settled
18.4s · 0xf3a8c4... · on-chain
Recipients · Instant Settlement

Invoice in USD. Get paid in full. In 18 seconds.

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.

zero FX markup self-custody option 170+ countries instant
AK
Amara Kone
Freelance developer · Lagos, NG
+$4,200
invoiced $4,200.00
FX markup 0%
settled in 18.4s
received via GTBank · NGN
Treasury · Autonomous Ops

Idle capital earns. Automatically. Overnight.

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.

24/7 sweeps ~3.5% APY multi-entity auto
HQ Treasury · USDC
$4.2M
idle overnight → auto-sweep 03:00 UTC
UK subsidiary $800K auto
Yield account $2.1M 3.5% APY
SG payroll buffer $1.3M liquid
// agentic primitives

Four primitives.
Infinite conditions.

Every Proco module is programmable. Wire them together or use individually — each one carries logic, not just movement.

primitive_01

Conditional Payments

An agent fires a payment the moment a condition is met — model output, API event, IoT signal, on-chain state. No human in the loop. p99 < 30s across Base, Solana, and Ethereum.

trigger: event | schedule | condition p99_latency: 28.1s countries: 170+
primitive_02

Auto-Compliance

Compliance logic travels with the payment — KYC, KYB, AML, OFAC, Travel Rule, sanctions screening all baked in. No separate compliance layer to build.

compliance: 'auto' | manual travel_rule: FATF sanctions: OFAC + EU + UN
primitive_03

Programmable Treasury

Treasury agents run 24/7 — sweeping idle capital the moment thresholds are hit. No batch jobs. No manual ops. No human scheduler. The treasury operates itself.

sweep: rules-based · 24/7 apy: ~3.5% lockup: none
primitive_04

Agent & User Wallets

Non-custodial wallets with programmable spend policies. Issue to AI agents or end users. Set limits, conditions, and approval flows — or none at all.

principals: human | agent custody: non-custodial controls: programmable
// ai_agent_payments

Built for agents.
Ready for everyone.

AI agents are already transacting — paying APIs, routing capital, executing contracts. They need a payment rail with no human auth loop, no bank account requirements, no settlement delays. Only stablecoin rails work economically at this scale. Proco’s SDK is built to be embedded directly into agent frameworks.

no minimums sub-second execution LangChain + AutoGen ready
const result = await proco.pay({ recipient: agent.walletAddress, amount: 0.001, currency: ‘USDC’, memo: ‘tool_call_fee’ });
settled · 0.001 USDC · 8.2s
// agentic_commerce

Agents transact
with agents.

By 2027, most digital commerce will happen machine-to-machine. Orchestrators spinning up sub-agents and paying them on task completion. Agents buying API calls, compute time, and data feeds per-use. Multi-agent systems with internal economies settling thousands of micropayments per minute. Traditional rails were never built for this — they require human auth, minimum amounts, and batch windows. Proco is.

Give an agent a Proco wallet and a spending policy. It pays sub-agents, settles on-chain, and reports automatically. No bank account. No approval loop. No minimums. Machine speed.

Agent Task Amount Status Time
research_agent_01
orchestrator · sub-agent
task:web_search
$0.042
settled
0.3s
vision_agent_04
orchestrator · sub-agent
task:image_analysis
$0.018
settled
0.1s
data_agent_07
orchestrator · sub-agent
task:db_query
$0.091
settled
0.4s
code_agent_02
orchestrator · sub-agent
task:fn_execution
$0.057
settled
0.2s
// agentic_settlement

Every condition met
is a payment fired.

Agents settle autonomously — no approval queue, no batch window, no human in the chain. Every transaction leaves an immutable on-chain record. Compliance travels with the funds. Recipients settle to a self-custody wallet, a local bank account, or another agent wallet.

No custodian. No intermediary. The agent executes, the money moves.

01
Agent detects condition
model output · API event · on-chain state
02
Proco executes atomically
compliant · immutable · <30s
03
Recipient settled instantly
wallet · local bank · agent wallet
// why_non_custodial

Non-custodial by design.
Not by policy.

Most payment infrastructure — even modern ones — holds funds in transit. Every moment of custody is a risk agents can’t absorb. Proco is non-custodial at the protocol level: funds move directly from sender to recipient. No intermediary. No MTL required. The agent executes, the money moves.

The rules travel with the funds. Proco never touches them.

Traditional rails Custodial wallets Proco
Holds funds in transit Yes Yes No
MTL required Yes Yes No
Programmable conditions No No Yes
Yield on idle funds No No Yes (Ethena)
// agentic finance · integrate in <48h · rest_api + typescript_sdk

Infrastructure built
for agentic finance.

Set the conditions. Proco handles execution — compliance, routing, settlement. TypeScript SDK, REST API, full sandbox. No blockchain knowledge required.

conditional_payment.ts
@proco/sdk v2.1.0
1import Proco from '@proco/sdk'; 2  3const proco = new Proco({ apiKey: process.env.PROCO_KEY }); 4  5// Money that executes when — and only when — conditions are met 6const tx = await proco.payments.create({ 7 amount: 500_000, // USD cents 8 currency: 'USDC', 9 trigger: { event: 'shipment.confirmed', source: 'iot_sensor_4f2' }, 10 destination: { country: 'NG', method: 'bank_transfer' }, 11 compliance: 'auto', // KYC+KYB+AML+sanctions 12}); 13  14// Waits for event. Executes atomically. Zero manual steps. 15console.log(tx);
// { status:'settled', trigger:'shipment.confirmed', chain:'base',
// settlementMs:18430, txHash:'0xf3a8c...', complianceRef:'CPL_7f2b...' }
SDK

TypeScript SDK + REST API

Full types and auto-complete. OpenAPI 3.1 spec. Works with any language — Python, Go, Ruby clients available.

Webhooks

HMAC-signed webhooks

Real-time, HMAC-SHA256 signed delivery with retries. Every settlement status, compliance event, and failure — streamed instantly.

Testing

Full sandbox environment

Mirror production exactly. Simulate settlements, failures, and compliance outcomes without touching real funds or chains.

Agents

AI agent-ready

Structured payment primitives built for autonomous agents operating at machine scale.

// agentic_finance · explainer

What is agentic
finance?

Agentic finance is the infrastructure layer where AI agents transact autonomously — no human approval, no bank accounts, no settlement delays. Stablecoin volume hit $400B+ in 2024 (up 300% YoY). Bridge was acquired for $1.1B. By 2027, agents will execute more transactions than humans.

When an agent completes a task, payment fires — no human sign-off. When a delivery is confirmed, funds release atomically. When a treasury exceeds a threshold, it sweeps to yield automatically. All of this happens on-chain, in seconds, without middleware, without a human in the loop.

Proco is the infrastructure layer that makes this a three-line API integration.

Build on
agentic
finance rails.

Most teams are in production within 48 hours. No blockchain knowledge required.

Book a demo → View the docs
SOC 2 Type II Non-custodial Sandbox on signup No commitment