Introduction
MCPay is the trust + settlement layer for the agent economy. The fundamental unit of software is shifting from sessions (humans clicking UIs) to tasks (agents executing). MCPay is the substrate agents transact on — discovering APIs, paying per call, authorizing spend with signed mandates, and verifying counterparty reputation — all on MultiversX Supernova.
Three shifts define this era: (1) agents replace sessions, so the moat is API surface area + data gravity — MCPay is a first-class agent-facing surface for every provider it hosts; (2) commerce loops close autonomously, with agents negotiating and settling with other agents — MCPay supplies the rails; (3) the principal-agent problem becomes an engineering spec, solved by cryptographic mandates and auditable trust attestations — MCPay is the arbiter.
Concretely: upload an API spec, MCPay generates a paid MCP server. An agent with its own wallet pays per call on-chain via x402 Pro Mode; no MCPay account required. An agent owner who wants pre-paid convenience connects a wallet, tops up EGLD, and issues signed spend mandates to delegated agents. Every call lands in an append-only ledger; daily-settled to providers on Supernova with 0.6 s block confirmation. Platform take is 10%; providers keep 90%; failed calls auto-refund from a rolling 7-day escrow.
Everything below is what's live on testnet today. Anything marked Phase 2 / roadmap is in the launch checklist, not shipped.