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.
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.
// 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.
// 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.
// 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.
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.
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
Chainlink CCIP
Cross-Chain Interoperability Protocol for secure messaging
deBridge
DLN intent-based cross-chain transfers
Canton
DAML-based integration for regulated finance and banking
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.