For Fintechs

Next-generation payment infrastructure

Build AI-native financial applications with MPP, x402, and micropayment channel support. Unified identity protocol (TDIP) with delegation scopes. On-chain settlement in TNZO.

Start Building Read Documentation

Payment Protocols

MPP (Machine Payments Protocol)

HTTP 402-based machine payment protocol. Challenge/credential/receipt flow with session management for authenticated micropayments. Ideal for API monetization and resource metering.

Features

HTTP 402 challenge/response flow

Session-based voucher system

Automatic payment middleware for APIs

Receipt verification and settlement

// MPP server middleware app.use(mpp_middleware({ challenge_endpoint: "/mpp/challenge", verify_endpoint: "/mpp/verify", min_payment: Amount::tnzo(0.01), })); // Protected resource app.get("/api/data", require_mpp, |req| { // Payment verified Ok(json!({ "data": [...] })) });

x402

Coinbase's HTTP 402 payment protocol enabling programmatic payments for API access and resource consumption. Facilitator-based credential issuance with multi-protocol gateway routing.

Features

Payment-required HTTP responses

Facilitator-based credential issuance

Multi-protocol gateway routing

Identity-bound payment validation

// x402 client let client = X402Client::new( facilitator_url, wallet ); // Request resource let response = client.get( "https://api.example.com/resource" ).await?; // Handles 402 automatically if response.status == 402 { client.pay_and_retry().await?; }

Micropayment Channels

Off-chain payment channels for per-token billing with on-chain settlement finality. Batch multiple microtransactions to reduce gas costs while maintaining security guarantees.

Features

Off-chain state updates

On-demand channel closure

Dispute resolution mechanism

Automatic batch settlement

// Open channel let channel = client.payment_channel() .payee(provider_address) .amount(Amount::tnzo(100.0)) .open() .await?; // Stream off-chain payments channel.pay(Amount::tnzo(0.001)).await?; // Close and settle on-chain channel.close().await?;

Identity Infrastructure

Tenzro Decentralized Identity Protocol (TDIP) provides unified identity management for humans and machines with W3C DID standards and verifiable credentials. Full compliance framework with KYC tiers and delegation scopes.

Human Identities

did:tenzro:human:{uuid}

KYC tiers (Unverified, Basic, Enhanced, Full), controlled machine management, and credential inheritance for delegated agents.

Machine Identities

did:tenzro:machine:{controller}:{uuid}

Delegated agents with fine-grained permissions, capability attestation, and auto-provisioned MPC wallets.

Verifiable Credentials

W3C VC-compatible credentials with cryptographic proofs, expiration enforcement, and trust chain verification for KYC, attestations, and permissions.

Delegation Scopes

Fine-grained permissions: max transaction value, daily spend limits, allowed operations/contracts, time bounds, payment protocol/chain restrictions.

Cascading Revocation

Revoking a guardian identity automatically revokes all dependent machine identities and their credentials across the network.

W3C DID Format

Standard W3C Decentralized Identifier format with DID Documents, service endpoints, and cryptographic verification methods.

Identity-Bound Payments

Automatic Validation

Payment requests automatically validated against payer identity's delegation scope: transaction value limits, daily spend caps, allowed payment protocols, permitted blockchain networks, and authorized operations.

Delegation Scope Checks

Max transaction value enforcement

Daily spending limit tracking

Allowed payment protocol whitelist

Permitted blockchain network restrictions

Compliance Framework

KYC tiers determine transaction limits and allowed operations. Verifiable credentials prove compliance status. Cascading revocation ensures instant policy enforcement across all controlled identities.

KYC Tiers

Unverified (Tier 0)No limits

Basic (Tier 1)Limited ops

Enhanced (Tier 2)Higher limits

Full (Tier 3)Full access

Cross-Chain Settlement

Bridge adapters enable seamless asset transfers between Tenzro Ledger and external chains including Ethereum, Solana, and enterprise Canton ledgers.

LayerZero V2

Omnichain messaging for cross-chain asset transfers

Ethereum, Arbitrum, Optimism, Polygon, BSC

Chainlink CCIP

Cross-Chain Interoperability Protocol for secure messaging

Ethereum, Polygon, Avalanche, Base

deBridge

DLN intent-based cross-chain transfers

Ethereum, Solana, Arbitrum, Polygon

Canton

DAML-based integration for regulated finance and banking

Enterprise Canton domains

Bridge Router

Intelligent routing selects optimal bridge adapter based on cost, speed, or availability. Automatic replay protection prevents double transfers. Fee estimation queries real-time gas prices across chains.

Tempo Network Integration

Direct participation in Tempo network for stablecoin settlement with TIP-20 token standard (Tempo's extension of ERC-20).

Tempo Bridge Adapter

Native integration with Tempo network via TempoBridgeAdapter. Query TIP-20 balances, submit transfers, and track finality status. Supports USDC, USDT, and other stablecoins on Tempo.

// Tempo bridge let tempo = TempoBridgeAdapter::new(config); // Query balance let balance = tempo.query_balance( address, "USDC" ).await?; // Transfer let tx = tempo.transfer( recipient, Amount::new(100, "USDC") ).await?;

MPP Protocol Support

Machine Payments Protocol (MPP) enables HTTP 402-based payments with Tempo settlement rail. Session management and automatic credential verification included.

// MPP with Tempo settlement let mpp = MppServer::new() .settlement_rail( TempoRail::new(config) ) .session_manager( MppSessionManager::default() ) .build(); // Handle payment mpp.verify_credential(credential).await?;

Build Financial Infrastructure

Deploy AI-native payment systems with verifiable identity and on-chain settlement on Tenzro.

Developer Docs Explore Ledger Payment Docs