Solutions — Fintechs and payment companies

Every rail. Every chain. Mandates that hold.

Accept agent-initiated payments across MPP, x402, AP2, Visa TAP, Mastercard Agent Pay, and Tempo. Issue programmable spending mandates bound to TDIP identities. Settle across Ethereum, Solana, Canton, and 50+ chains. One open network beneath every rail.

Overview

From cart mandate to cross-chain receipt — on one open coordination surface.

Tenzro Network is the open network where intelligence is served, security is provisioned, identity is held for humans and machines, agents transact, and value settles across every network and protocol. Fintechs and payment companies use it to issue programmable mandates bound to TDIP DIDs, accept agent payments across every major rail, validate AP2 cart mandates against runtime spending policy, and settle cross-chain via Wormhole, LayerZero V2, Chainlink CCIP, deBridge, and Canton. Two-axis ceiling enforced at signing time. ERC-7579 validator modules on-chain. Replay-safe by nonce.

What you get

The payment surface for the AI age.

MPP integration

Machine Payments Protocol co-authored by Stripe and Tempo. HTTP 402 challenge/credential/receipt with session management.

x402 facilitator

Coinbase's HTTP 402 payment protocol. EIP-3009 transferWithAuthorization. CDP facilitator for verify/settle. Stablecoin-native.

AP2 mandates

Cart-mandate validation against TDIP DelegationScope and runtime SpendingPolicy. Three-axis ceiling enforced before settlement.

Visa TAP + Mastercard

Trusted Agent Payments and Mastercard Agent Pay — card rails for agents with cryptographic mandate validation.

Tempo + Stripe

Direct Tempo participation with EIP-155 signing. Stripe Payment Intents for fiat onramps. HMAC-SHA256 webhook verification.

ERC-7579 validators

Spending limit validators on-chain — per-tx and rolling-window daily ceilings enforced at signing time, not after.

Cross-chain settlement

ERC-7683 cross-chain intents. Wormhole NTT for stablecoin transfers. LayerZero V2 with Tenzro DVN for messaging.

Channels and escrow

Off-chain micropayment channels for high-volume flows. On-chain escrow for high-value coordination. Atomic dispute resolution.

Compliance posture

TDIP KYC tiers (Unverified / Basic / Enhanced / Full). Credential-gated upgrades. Verifiable Credentials over W3C VC.

Workflow

From mandate issuance to settlement.

01
Issue identity and mandate
Provision a TDIP DID for your customer (human) and their agent (machine). Bind a DelegationScope — max per-tx, daily spend, allowed operations, time bound.
02
Install validator modules
Install ERC-7579 SpendingLimit and SessionKey validators on the smart account. Enforced at signing time by the EntryPoint.
03
Accept agent payment
Gate a resource with HTTP 402. Agent submits a credential against the challenge — MPP session, x402 stateless, or AP2 cart.
04
Validate three-axis ceiling
PaymentGateway verifies credential. IdentityPaymentBinder enforces TDIP scope. SpendingPolicyResolver enforces runtime daily window.
05
Settle and route
Settlement engine moves TNZO, opens a channel, releases escrow, or routes to Visa/Mastercard. Cross-chain via bridge router.
06
Issue receipt
Signed receipt with SHA-256 commitment. Optional on-chain anchor. Mandate hash bound to TDIP DID. Replay-safe nonce.

Specifications

Rails: MPP, x402, AP2, Visa TAP, Mastercard Agent Pay, Tempo, native channels
Mandate enforcement: TDIP DelegationScope + runtime SpendingPolicy + ERC-7579 on-chain validators
Card rails: Visa Trusted Agent Payments + Mastercard Agent Pay with verifiable delegation
Stablecoin: Tempo (EIP-155) + Stripe Payment Intents + Coinbase x402 CDP facilitator
Cross-chain: ERC-7683 intents + Wormhole NTT + LayerZero V2 + Chainlink CCIP + deBridge DLN + Canton
Compliance: TDIP KYC tiers (Unverified / Basic / Enhanced / Full), W3C Verifiable Credentials

Get started

Ship on the open network.

Accept agent payments

Payments docs