OwnPay
Labs
OwnPay
Labs
Human and autonomous commerce infrastructure built on Base. Non-custodial settlement in under 2 seconds, zero rolling reserves, and programmable policy guardrails for the agentic era.
Modern commerce is experiencing its largest architectural transition since credit card gateways in 1996. OwnPay is engineered specifically for this convergence.
Autonomous AI agents make hundreds of programmatic decisions per second. Traditional card rails charge $0.30 fixed tolls per transaction, rendering autonomous sub-dollar micropayments economically impossible.
Legacy payment processors lock up 5% to 15% of merchant revenue for 90 days. OwnPay operates on non-custodial direct transfers; funds settle directly to merchant smart accounts in under 2 seconds.
Every transaction is an immutable intent with dynamic FX locking (BDT, USD, EUR, INR) and one-time derived addresses, eliminating address collision and payment ambiguity.
Agents transact freely within strictly pre-approved daily spend caps, velocity limits, and mandatory human approval workflows above defined value thresholds.
OwnPay converges human e-commerce interfaces and machine-native autonomous protocols into a single, unified settlement engine.
Optimized for human customers purchasing goods, paying invoices, and checking out in e-commerce stores.
Optimized for autonomous AI agents, API monetizers, and machine-to-machine financial execution.
Both human and agentic payment requests converge deterministically into the same immutable core engine on Base Mainnet.
Built with defense-in-depth principles. OwnPay features strictly verified, production-hardened mechanisms without relying on custodial trust.
OwnPay never holds, pools, or custodies merchant funds. Payments settle directly on-chain from payer to merchant wallet.
Merchant ownership is verified via EIP-191 personal message signing before high-tier settlement rails are unlocked.
x402 proofs and payment intent mutations are protected by database-backed idempotency guards preventing double-spends.
Autonomous agents operate under strict daily spend ceilings. Merchant admins can freeze an agent instantly via the kill-switch API.
Webhook endpoints strictly block localhost, private RFC1918 subnets, cloud metadata (169.254.169.254), and DNS rebinding attacks.
API keys utilize strict scope isolation (payments:create, agents:manage, sandbox:use) with distinct own_test_ and own_live_ prefixes.
Immutable internal ledger records debit and credit pairs for human vs agentic volume with zero unaccounted discrepancy.
Key creations, revocations, agent freezes, policy changes, and KYC events are timestamped and logged for compliance inspection.
No monthly fees. No annual contracts. No SaaS billing. Pay only when OwnPay processes your transaction.
Calculate your exact net settlement in real-time. OwnPay fees are deducted automatically upon settlement with zero rolling reserves.
OwnPay is currently in active development. Dedicated canonical domains are reserved for production; active development routes are accessible below.
Non-custodial merchant onboarding, dynamic POS QR counter, payment links, settlement splits, and KYC verification hub.
API keys, autonomous agent registry, kill-switch controls, 10 MCP tools, x402 machine paywalls, and Python/TS SDKs.
OpenAPI 3.1 machine-readable specification, universal payment intents, policy engine, and HMAC webhook dispatch.
Consumer application domain is strictly reserved in the ecosystem architecture. No consumer wallet or mobile app is implemented.
Base provides the required throughput, sub-cent execution, and Ethereum security foundation for the agent economy.
Transparent, deliverable milestones clearly distinguishing between live capabilities and future research.