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Agentic Payments
Programmable invoice settlement on-chain, accelerated by five autonomous AI agents running the full accounts-receivable lifecycle for both human businesses and AI-to-AI commerce.
OVERVIEW
Finex is an agentic banking and payments system that settles B2B invoices on-chain. Each invoice is encoded as a smart contract with escrowed funds, verified completion signals, and an autonomous collection layer — replacing the fragile, manual accounts-receivable workflow most businesses still rely on.
It also operates as the first AR layer built natively for machine-to-machine commerce, where AI agents are increasingly transacting with one another but have no agreement or verification layer on top of existing payment rails.
What we're solving
50% of US B2B invoices are overdue at any given time
38–52 day is the average time to collect a single invoice payment
82% of small businesses that fail cite cash flow as the cause
The existing invoicing stack is fundamentally broken: enforcement relies on trust, collection is manual, and dispute resolution has no provable audit trail. Businesses absorb the risk entirely.
And as AI agents become economic actors (via protocols like x402, MCP, and ACP) there is still no invoicing or AR layer built for agent-to-agent commerce. 500K+ AI wallets are transacting with no agreement or verification layer on top.
How we're building it
finex deploys five specialized AI agents that handle the complete invoice lifecycle end-to-end — from authoring terms through final settlement — with no human intervention required.
Author: Converts natural language into smart-contract-encoded invoice terms on 0G Chain
Diligence: Checks counterparty on-chain history and reputation before work begins
Verifier: Monitors completion signals — API confirmations, sign-offs, on-chain proofs — and judges fulfillment
Collector: Autonomously chases late payments, negotiates plans, and enforces penalties
Router: Picks the optimal settlement path per transaction — stablecoins, x402, or fiat off-ramp
Three technical innovations underpin the system:
Invoices as programmable on-chain objects
Each invoice is a smart contract with encoded terms and escrowed funds enforced at the token level, not by a backend. Evidence on 0G Storage. State changes log to 0G DA at a fraction of Ethereum's cost. Settlement clears on 0G Chain the moment conditions are met.
TEE-verified agent reasoning
Every agent decision runs through 0G Compute's trusted execution environment, producing cryptographic proof of each action. The result is a provable, auditable decision trail - disputable by either party.
x402-native invoicing for agent-to-agent commerce
When one AI agent completes work for another, finex handles the full lifecycle programmatically: verification, settlement, receipt, and reputation update. It's the accounts receivable layer the agentic economy is missing.