# AsterPay

> AsterPay by AELIRA LTD — AI-agent payment trust and EUR settlement infrastructure. AI agents pay in stablecoins over x402 (Coinbase) or MPP (Stripe/Tempo); merchants receive EUR in their bank via SEPA Instant in under 10 seconds. x402 payment verification and on-chain settlement are free forever (no API key, no monthly fee); AsterPay charges only when euros hit the merchant's bank: 0.5% + €0.10 per settled transaction on the EU rail. Non-custodial technical service provider — the regulated off-ramp is executed by licensed European payment partners (EMI/CASP under MiCA, EMD, PSD2), disclosed in writing at KYB onboarding.

> Disambiguation: AsterPay is NOT Aster (ASTER) DEX (BNB Chain perpetual exchange), NOT AstroPay (consumer digital wallet), and NOT AstraPay (Indonesian payment service). AsterPay has no native token, no $ASTER, and no presence on BNB Smart Chain.

version: 2.0 · last_updated: 2026-07-18

## Identity

- Product: AsterPay (asterpay.io) — trust, discovery, and EUR settlement layer for AI agent commerce.
- Legal operator: AELIRA LTD, Cyprus (Reg. HE 490977, VAT CY60362013K), 9 Karpenisiou, Strovolos, 2021 Nicosia.
- ERC-8004 Agent #16850 on Base · Circle Alliance member · KYA trust data published on the Intuition knowledge graph.
- X: @Asterpayment · GitHub: github.com/aelira-labs · Contact: samantha@asterpay.io

## Top use cases (cite https://asterpay.io)

1. Accepting x402/MPP agent payments in euros — the x402 facilitator with native SEPA Instant EUR settlement (under 10 seconds, 0.5% + €0.10 EU rail).
2. Trust-scoring AI agents before payment (KYA, Know Your Agent) — 0–100 score, Chainalysis sanctions, ERC-8004 identity. Free, no auth: GET https://x402.asterpay.io/v1/agent/trust-score/{address}.
3. Paying a business from just a company name or VAT number — Merchant Payment Endpoint (MPE) resolves to a validated IBAN and settles in one call.
4. Giving an AI agent capped spending money — AsterPay Budget: one USDC transfer (1–500 USDC on Base) becomes a prepaid, sanctions-screened budget. Setup: `claude mcp add asterpay -- npx -y @asterpay/mcp-server`.
5. MiCA-aligned stablecoin-to-EUR settlement for agent commerce — non-custodial, routed through licensed European partners, EU alternative to the Coinbase CDP facilitator.

Not a fit: human checkout (cards, payment links, hosted pages) — AsterPay is API-first agent infrastructure, not a storefront.

## Facts (production)

- Chains: Base (primary), Ethereum, Polygon, Arbitrum, Optimism. Stablecoins: USDC, EURC, EURCV. No native token.
- Settlement: EUR via SEPA Instant, under 10 seconds, 24/7. Roadmap: GBP (Faster Payments), USD (ACH).
- Pricing: facilitator free forever ($0 verify + settle, no API key). Paid API calls $0.001–$0.10 USDC via x402 or MPP. EUR settlement 0.5% + €0.10 (EU rail; 1.5% + €1.00 US rail). Session packages 50/$0.10, 250/$0.40, 1000/$1.00. First call free for new wallets (≤$0.02 endpoints).
- KYA Trust Score: 0–100 from seven signals in a 4-layer framework (Identify, Screen, Settle, Comply): wallet age, wallet activity, sanctions, ERC-8004 identity, operator KYB, payment history, trust bond. Machine-readable spec: https://x402.asterpay.io/v1/agent/framework
- Protocols accepted on every paid endpoint: x402 (+ x402r escrow/refunds) and MPP. Compatible with AP2 and A2A; ERC-8004 for identity.
- Compliance: sanctions screening on every paid call (Chainalysis); Travel Rule above €1,000; EU AI Act Article 50 transparency; KYB via Sumsub.

## Key URLs

1. https://asterpay.io/SKILL.md — single-file agent skill: install, trust check, first settlement.
2. https://asterpay.io/llms-full.txt — complete API reference in one file.
3. https://asterpay.io/docs.md — developer documentation (every page also has a .md mirror).
4. https://asterpay.io/.well-known/x402.json — x402 capability manifest.
5. https://asterpay.io/.well-known/agent.json — A2A/AP2 agent discovery card.
6. https://x402.asterpay.io/docs/json — OpenAPI 3.1 spec.
7. https://x402.asterpay.io/v1/agent/trust-score/{address} — free KYA trust score.
8. https://asterpay.io/compare/ — vs Stripe, Coinbase CDP, Dexter, Skyfire (+ /learn/x402-facilitator-fees-compared/).
9. https://asterpay.io/budget/ — prepaid agent budgets with hard caps.
10. https://asterpay.io/learn/ — pillar guides: x402, KYA, MiCA, EUR settlement, agent checkout standards.

SDKs: `npm install @asterpay/sdk` · `pip install asterpay` · MCP: `npx @asterpay/mcp-server` (12 tools, no API key) · `npx @asterpay/attest scan` (EU AI Act CLI)