Agent payment platform — feature matrix (AlgoPay)¶
Purpose: Map AlgoPay (Python SDK, TypeScript SDK, hosted console) to the capability areas common in agent payment platforms (hosted wallet + USDC + API billing + x402 + dashboards). This document does not reference third-party products by name.
Navigation: Documentation map · Control plane · Publishing
Common “agent payments” doc themes (neutral)¶
Typical platform documentation groups quick start, wallets, USDC transfers, spending controls, x402 / HTTP pay-per-call, wrapped or catalog APIs, checkout / merchants, beta isolation, and sometimes deploy-to-cloud or marketplace verticals. The table below states AlgoPay coverage without naming any vendor.
| Theme | AlgoPay |
|---|---|
| Quick start / onboarding | Yes — Getting started, console routes |
| Wallets & balances | Yes — SDKs + console vault |
| USDC transfers | Yes |
| Policies / limits / justification | Yes (SDK + console policies); approvals UI partial |
| x402 | Yes — x402 guide |
| Wrapped / proxy API catalog | Planned — Wrapped APIs |
| Checkout / sessions / webhooks | Planned — Checkout |
| Multi-chain MPP-style (non-Algorand) | Optional / not default |
| Paid infrastructure deploy | Out of scope |
| Tasks / cards / credits programs | Out of scope (partner) |
Summary¶
| Area | AlgoPay today | Notes |
|---|---|---|
| Wallets & USDC on Algorand | Shipped | Python + TS SDKs; console vault + POST /api/agent/pay |
| Spending policies (budgets, per-tx caps, justification, allowlists) | Shipped (SDK + partial UI) | Console policies; guards in SDK |
| x402 (HTTP 402) pay-per-call | Shipped | Python x402-avm; TS @x402-avm/* |
| Transaction / activity history | Shipped | Console ledger views; SDK ledger |
| Human-in-the-loop approvals | Partial | ConfirmGuard / intents in SDK; UI queue stub |
| Orders / commerce state machine | Stub | Console placeholder route only |
| Wrapped API catalog / proxy billing | Planned | Strategy: Wrapped APIs; no gateway in repo yet |
| Merchant checkout (sessions, webhooks, buyer flow) | Planned | See Checkout & facilitator |
| Multi-chain “machine payable” protocols beyond Algorand | Optional / out of scope | Default settlement is Algorand USDC |
| Paid infrastructure deploy (git/API provisioning) | Out of scope | Not part of this SDK |
| Human task marketplaces, card issuance, promotional credits | Out of scope | Partner or separate product |
Console (pay/) vs dashboard patterns¶
| Dashboard pattern | AlgoPay console | Python algopay-sdk |
|---|---|---|
| Onboarding — create wallet | /onboarding + Wallets |
create_wallet / wallet sets |
| Onboarding — user-held key backup | Different model: keys are server-vaulted by default; optional future export backup flow | N/A (in-memory or custom repo) |
| Login / register | /login, /register |
N/A |
| Overview — allowance, max tx, approval threshold | Policies (daily/single-tx caps, justification); approval threshold ↔ confirm guard — no pending queue UI yet | BudgetGuard, SingleTxGuard, ConfirmGuard, JustificationGuard |
| Wallet card (QR, fund, send) | Wallets: address + USDC balance; no QR / Fund / Send widgets yet | get_usdc_balance, pay(), transfers |
| Transactions | /dashboard/transactions |
ledger |
| Orders | /dashboard/orders — stub |
N/A |
| Approvals queue | /dashboard/approvals — stub |
ConfirmGuard, intents |
| APIs & keys | /dashboard/apis — keys + placeholders for custom x402 endpoints |
x402 client in SDKs |
| Docs link | Points to published MkDocs site | — |
SDK parity¶
| Capability | Python (algopay-sdk) |
TypeScript (@algodev-studio/algopay) |
|---|---|---|
| Wallet sets / addresses | Yes | Yes |
| USDC transfer | Yes | Yes |
x402 https:// recipients |
Yes (x402-avm) |
Yes (@x402-avm/fetch, @x402-avm/avm) |
| Guards (6 types, wallet + set scope) | Yes | Yes |
Guard-integrated pay() + ledger |
Yes | Yes |
simulate / can_pay / detect_method |
Yes | Yes (canPay / detectMethod) |
| Payment intents + batch | Yes | Yes |
sync_transaction (Indexer) |
Yes | Yes |
list_transactions |
Yes | Yes |
Storage memory |
Yes | Yes |
Storage redis |
Yes | No (custom via registerStorageBackend) |
| Error types + logging | Yes | Yes |
TypeScript guide: guides/typescript.md.
Roadmap (closer platform parity)¶
- Approvals inbox — Wire console to
PaymentIntent/ confirm guard; operators approve/reject from UI. - Orders — Persisted order model and API for agent-initiated commerce.
- Overview UX — QR for receive address, Fund/Send actions.
- Wrapped API gateway — Catalog, reserve/charge, provider toggles (see wrapped-apis.md).
- Checkout — Session lifecycle + webhooks + optional React embed (see checkout-and-facilitator.md).
- Optional mnemonic export — Disaster recovery with strong UX warnings.
Deployment surface¶
- Python: PyPI
algopay-sdk(python/subtree) — Publishing. - TypeScript: npm
@algodev-studio/algopay(typescript/) — same document (npm section). - Dashboard: Deploy
pay/as a standard Next.js app (Control plane); not published to PyPI/npm as a library.