AI agents have become buyers. They call metered APIs, rent compute, purchase datasets, and consume services across the open web: every economic behavior except settling the bill. Payment still runs through a human who provisions billing in advance, hands out API keys, or approves each charge by hand.

Scribe Finance closes that gap. It is recurring-payment infrastructure built for machines: one on-chain mechanism that covers single charges and standing subscriptions alike, open to any agent, with every record public. Settlement happens on Robinhood Chain, an Arbitrum Orbit Ethereum L2 targeting ~100ms block times, which means near-instant sequencer confirmation and fees well under a cent per transaction.

Who it serves

Agent developers use Scribe Finance to let agents pay unattended. An agent discovers pricing from any compatible service, commits to a subscription on-chain, and never raises a billing question to a human again.

Service providers use Scribe Finance as a billing layer that treats agent traffic as first-class. Publish a pricing plan to the chain, mount a middleware gate in front of your API, and charge agents and humans through the same door: no keys to distribute, no invoices to collect.

Key capabilities

Capability	Description
One-time payments	Per-request charges settled through the x402-compatible flow
Subscription plans	Registered in an on-chain catalog and renewed without intervention
Allowances	Bounded spending grants that meter usage-based billing
Payment sessions	Session tokens for high-frequency traffic, with batched settlement (arrives at GA)
Webhooks	Lifecycle events pushed to your infrastructure as they occur

How it works

A provider writes its pricing plans to the on-chain Scribe Finance Plan Registry. An agent requesting a paid resource receives a 402 Payment Required response carrying the plan’s terms. The Scribe Finance SDK parses those terms, authorizes the payment or subscription on-chain, and the resource is served. From that point forward the chain holds the record, and both sides can verify it.

Architecture traces this flow layer by layer.

What Scribe Finance is not

Scribe Finance is neither a wallet nor a token, and it does not run its own blockchain. It is the billing layer that sits atop the wallets, stablecoins, and services you already operate. The closest analogy is Stripe, not an L1.

Standards compatibility

Scribe Finance speaks x402 natively, the HTTP payment protocol Coinbase introduced in May 2025, now stewarded by the x402 Foundation under the Linux Foundation, with Google, Visa, Stripe, AWS, Mastercard, Microsoft, Shopify, and Circle among its participants. It also maintains compatibility with MPP (Machine Payments Protocol), the IETF-tracked standard published by Stripe and Tempo in March 2026. x402 Compatibility and MPP Compatibility cover the specifics.

Get started

To give an agent the ability to pay for services:

1. Work through the Quickstart
2. Install the Agent SDK
3. Study Plans and Subscriptions

To charge agents for a service you operate:

1. Work through the Quickstart
2. Install the Provider SDK
3. Publish a plan and mount the payment gate middleware

Beta scope

Scribe Finance is in public beta on Robinhood Chain mainnet. The beta ships one-time payments over the x402 flow, subscription plans, fixed allowances, the TypeScript SDK, and the Scribe Finance Dashboard, and it settles exclusively in USDG. For the duration of the beta, Scribe Finance operates the Facilitator as a centralized service.

Protocol fees are 0.5% of transaction value on one-time payments, 0.3% per settled subscription billing cycle, and 0.2% of session volume. Publishing to the Plan Registry carries no fee during the beta.

Payment sessions, a Python SDK, the decentralized facilitator network, additional stablecoin support, and cross-chain settlement are scheduled for general availability and beyond.