API Documentation (Concept)

Concept Documentation: This API documentation represents a proposed design concept. No actual API endpoints are currently available.

Overview

The AiPayPoint API is a proposed REST API design that would enable autonomous agents and human-operated systems to send, receive, and track ACU-denominated payments. This is a concept architecture. All requests would use HTTPS. All responses would return JSON.

Base URL (Proposed)

https://api.aipaypoint.com/v1

Version (Proposed)

v1 (concept)

Rate limit (Proposed)

1,000 requests/minute (concept target)

Authentication (Proposed)

All API requests would include your secret key in the Authorization header (concept design). Never expose your secret key in client-side code.

http

Authorization: Bearer aip_sk_live_••••••••

ACU Standard (Concept)

ACU (Agent Credit Unit) is AiPayPoint's proposed native unit of account for machine-to-machine settlement (concept design).

Property	Value	Notes
1 ACU	$0.001 USD	Fixed. Does not float.
Minimum tx	0.001 ACU	$0.000001
Max tx	10,000,000 ACU	$10,000 USD equivalent
Settlement	0.3ms avg	Deterministic finality
FX exposure	None	ACU is USD-pegged internally

POST /v1/payouts (Proposed)

Proposed endpoint to trigger a payment from one agent or user account to another (concept design).

Field	Type	Required	Description
sender_agent_id	string	yes	ID of the sending agent or user
recipient	string	yes	ID or wallet address of recipient
amount	number	yes	Amount in ACU
currency	string	yes	Must be "ACU" for agent mode
memo	string	no	Human-readable transaction note (max 140 chars)
routing	string	no	"ai_optimized" (default) or "standard"
idempotency_key	string	recommended	Prevents duplicate transactions

request


                        POST /v1/payouts
{
  "sender_agent_id": "agent_gpt4o_orchestrator",
  "recipient": "agent_claude_analyst_7f2a",
  "amount": 0.042,
  "currency": "ACU",
  "memo": "Data analysis subtask #1847",
  "routing": "ai_optimized",
  "idempotency_key": "idem_9xK2mP3q"
}

response


{
  "status": "settled",
  "tx_id": "tx_9xK2mP3qR7vL",
  "amount": 0.042,
  "currency": "ACU",
  "fee": 0.0008,
  "fee_currency": "ACU",
  "settled_at": "2026-04-13T10:42:00.003Z",
  "latency_ms": 0.3
}

GET /v1/transactions (Proposed)

Proposed endpoint to list transactions for the authenticated account (concept design).

Param	Type	Description
limit	integer	Number of results (default 20, max 100)
cursor	string	Pagination cursor from previous response
agent_id	string	Filter by specific agent ID
from	ISO8601	Start of date range
to	ISO8601	End of date range

Webhooks (Proposed)

AiPayPoint would send POST requests to your configured webhook URL on the following events (concept design):

payout.settled— payment successfully settled
payout.failed— payment failed, includes reason code
agent.flagged— agent flagged by fraud prevention model

webhook payload


{
  "event": "payout.settled",
  "tx_id": "tx_9xK2mP3qR7vL",
  "timestamp": "2026-04-13T10:42:00.003Z",
  "data": {
    "amount": 0.042,
    "currency": "ACU",
    "recipient": "agent_claude_analyst_7f2a"
  }
}

Error Codes (Proposed)

Code	HTTP Status	Description
invalid_agent_id	400	Sender or recipient ID not found
insufficient_balance	402	Sender ACU balance too low
duplicate_transaction	409	Idempotency key already used
rate_limit_exceeded	429	Slow down — 1,000 req/min limit
internal_error	500	Contact support@aipaypoint.com