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Your agent can pay. It still needs a treasury.

Kivo holds the capital in one contract and gives every agent its own lane. Caps, counterparties and hours are stored on-chain and checked in the same call that moves the money.

Settlement USDG
Contract not deployed
Tests 22 green
Chain Robinhood Chain

Lane envelope

Settled

0.00

Lane balance

1,000.00

Spent today

0.00 / 200.00

Reverted

0 / 0

No attempts yet. Run the loop and watch the contract answer.

Next payment would settle
Read the manual
Robinhood Chain
USDG
ERC-20
Solidity
Foundry
ethers.js
EIP-6963
x402

What the system is built on. Not endorsements.

.01  Position

An agent that earns and spends is a small institution.

It needs a balance sheet, a list of accounts it is allowed to pay, and a constitution. Kivo is that constitution, written as code and ratified by the chain. Not a policy document, not a config file on a server you have to keep alive.

The reserve holds the capital. Each lane is separate, so one agent can never reach another one's funds. Every rule is verified in the same transaction that moves the money. A rejection costs gas and nothing else, and the ledger keeps the receipt either way.

What the usual stack asks you to acceptWhat the contract does instead
Rules live in your backendRules live on-chain and are checked at settlement
You trust an operatorYou trust the contract, and anyone can read it
One wallet per agent, one key to leakOne lane per agent, no key handed out at all
Server goes down, agents stall or run freeRules hold through any outage
No allowlist, so a bad prompt can pay anyoneEvery transfer is checked against the lane roster
No time disciplineBlock timestamp is the only clock that counts

.02  Primitives

Seven parts. One discipline.

The reserve holds the capital. The other six say when an agent may spend, where, how much, and under whose supervision. Each one is optional. Each one is enforced by the contract.

.01live

Reserve

One contract holds the capital under your authority. No private key is ever handed to an agent.

.02live

Lane

Every agent gets its own sub-account inside the reserve, with its own balance and its own rules.

.03live

Governance

A ceiling per transaction and a rolling daily cap. Break one and the whole transaction reverts.

.04live

Roster

An allowlist of recipients kept on-chain. Anything not on it cannot be paid, whatever the agent decides.

.05live

Hours

Draw a window in UTC. The block timestamp decides, so a wrong server clock changes nothing.

.06phase 02

Replenish

Set a floor and a target and the lane tops itself up from the reserve before it runs dry.

.07phase 02

Quorum

Above an amount you choose, a payment becomes a proposal that needs m-of-n approvals on-chain.

·Reference

The manual

Every call, what it verifies, and how to reach it from a script with ethers.js.

.03  Open an account

Capital, given a shape.

Open the console, read the manual, or read the contract. Your reserve is one transaction away.

Read the manualOpen the console