Agentic Payments,
Built for AI
BananaCrystal is agent payment infrastructure: a single MCP endpoint that gives any AI agent the ability to check balances, transfer stablecoins, swap currencies, and handle fiat across 150+ currencies, all settled on Hedera in under 5 seconds.
Works with any MCP-compatible agent
How it works
Working agent in 5 minutes
Get a free API key
Sign up in seconds. Your wallet is created instantly: no credit card or KYC is required to start.
Connect your agent
Point any MCP-compatible agent at our endpoint. Claude, LangChain, CrewAI, AutoGPT: one config line.
Set spending limits
Define per-transaction caps and daily limits. Your agent operates autonomously within those guardrails.
Transact in seconds
Transfers, swaps, and balance checks are all settled on Hedera in under 5 seconds with an immutable audit trail.
{
"mcpServers": {
"bananacrystal": {
"command": "bananacrystal-mcp",
"env": {
"BANANACRYSTAL_API_KEY": "bc_live_your_key_here"
}
}
}
}Why traditional payment rails fail AI agents
AI agents need payment infrastructure designed for machines, not humans. Traditional rails fail on every dimension that matters for autonomous commerce.
| Capability | Stripe / Card networks | Bank wire / SWIFT | BananaCrystal MCP |
|---|---|---|---|
| How fast does money arrive? | Card approved instantly, but money reaches recipient in 2–3 days | 1–5 business days (weekends don't count) | Under 5 seconds, every time |
| What does it cost per transaction? | $0.30 flat + 2.9% of the amount | $10–50 flat fee per transfer | 0.3% transfers · 0.5% swaps |
| Can an AI agent use it directly? | No, it needs a human cardholder and custom code per integration | No, it requires a human account and manual approval | Yes: one MCP endpoint, 40 tools auto-discovered |
| How many currencies supported? | Limited (1–3 currencies per account) | Major currencies only, high conversion fees | 150+ local currency stablecoins |
| Can you limit how much an agent spends? | No, only a card limit, not per-agent | No, manual officer approval required | Yes: per-key caps, per-transaction limits, daily maximums |
| Is there a tamper-proof audit trail? | Partial: internal logs only, not independently verifiable | Wire receipts only, no real-time record | Yes: every action written on-chain, public and permanent |
| Does it work 24/7? | Payments accepted 24/7, but settlement stops on weekends | Banking hours only: closed nights and weekends | Always on: no downtime windows, no cut-off times |
| Can it handle tiny payments (under $1)? | No, the $0.30 fee makes sub-dollar payments uneconomical | No, $10+ minimum makes it impossible | Yes: sub-cent payments are native and viable |
Stablecoin transfers
Send money anywhere. Confirmed in 5 seconds.
Transfer USDb, EURb, NGNb, and over 150 other stablecoins to any wallet on the Hedera network. Every outbound transfer is OTP-protected: your agent can initiate it, but a human must confirm it.
- Instant settlement: Finality on Hedera in under 5 seconds, 24/7
- OTP on every transfer: 6-digit code sent to your email before funds move
- 0.3% flat fee: No percentage tiers, no hidden charges
- MCP-native: Agents call transfer_tokens, and humans approve via OTP
OTP verified · Settled on Hedera
Currency swap
Swap any currency pair. Live rates, instant settlement.
Exchange between over 150 local-currency stablecoins at real-time market rates. Whether it's USDb to NGNb, EURb to GBPb, or GHSb to CADb, any pair and any direction is settled on-chain in seconds.
- 150+ pairs: Every stablecoin on the platform can be swapped
- Live rates: Prices update in real time with no stale quotes
- 0.5% swap fee: No spread markup on top of the rate
- Agent-ready: swap_currency MCP tool handles the full flow
Swap preview
Prediction markets
Trade on price direction. Settle on-chain.
Create prediction offers or engage existing ones. Pick long or short on any currency pair, lock your stake in escrow, and let the blockchain settle the outcome with no counterparty risk and no manual resolution.
- Create offers: Set your amount, leverage, and direction: buy or sell
- Engage trades: Take the opposite side of any open offer
- Escrow-backed: Both sides lock funds; winner takes all on settlement
- On-chain settlement: Outcomes written to Hedera: immutable and transparent
Funds locked in escrow · Settled on Hedera
Fiat on/off ramp
Deposit and withdraw. Real money, real banks.
Fund your wallet via ACH or wire transfer and receive stablecoins instantly. When you're ready to cash out, withdraw directly to your bank account with no lock-up periods or third-party custody.
- ACH & wire deposits: Standard bank rails, funds arrive in minutes
- Fiat withdrawals: Cash out to any bank account after KYC
- No lock-up: Your money is yours: withdraw any time
- Agent-initiated: initiate_deposit and request_withdrawal via MCP
Deposit status
Identity verification
Verify once. Unlock everything.
KYC is required for fiat deposits and withdrawals. Complete it once in minutes via Sumsub. After that, your full account is unlocked with no additional friction on any transaction.
- Powered by Sumsub: Industry-standard identity verification
- One-time only: Verify once, never again for the same account
- Fiat-gated: Crypto transfers and swaps work without KYC
- MCP-accessible: Agents can check status and initiate KYC flows
Verification status
Referral rewards
Refer friends. Earn stablecoins.
Every time someone you refer signs up and transacts on BananaCrystal, you earn a stablecoin reward paid directly to your wallet. With no minimum threshold and no waiting period, rewards land as transactions happen.
- Earn per transaction: Rewards accrue on every trade your referrals make
- Paid in stablecoins: Credited directly to your wallet, no conversion needed
- No minimum payout: Withdraw your rewards any time
- Track in real time: Full earnings breakdown in your referral dashboard
Referral earnings
This monthIntegrate in minutes
One endpoint. Every major AI framework. Copy, paste, ship.
{ "mcpServers": { "bananacrystal": { "url": "https://agentic.bananacrystal.com/mcp", "headers": { "x-api-key": "YOUR_API_KEY" } } }}Security model
Five layers stand between your agent and a mistake.
Autonomous agents make fast decisions. These guardrails make sure fast never means reckless.
Scope-locked API keys
Every key is issued with an explicit permission set: read_only, transfer, swap, fiat, offers, or rate. An agent literally cannot call an operation outside its scope. No exceptions.
Hard spending ceilings
You set a per-transaction maximum and a rolling 24-hour cap when you create the key. The ceiling is enforced at the infrastructure level, not in your code.
Email OTP on every transfer
Before a single token moves, a 6-digit code lands in your inbox. The agent pauses and waits. You confirm. Only then does the transfer execute.
Duplicate-request protection
Agent retries are normal. Double-spends are not. Every write operation carries an idempotency key: Redis catches the duplicate and returns the original result.
On-chain audit trail
Every tool call, whether read or write, is written to Hedera's consensus layer the moment it happens. It is immutable, timestamped, and publicly verifiable. Not a log file, but a ledger.
MCP tools
Every payment capability, one endpoint
Read-only tools are always free. Pay only when your agent moves value.
What developers are saying
"BananaCrystal gave our robotics agents a payment workflow we could trust in production. The MCP tools were straightforward to connect, and the settlement speed made automated vendor payouts practical."
"We needed a clean way for agent workflows to move value without adding another fragile payments layer. BananaCrystal gave us stablecoin transfers, spending controls, and auditability in one integration."
"For our AI operations team, the value was speed with control. We can let agents initiate payment tasks while keeping limits, OTP checks, and a clear transaction trail in place."
Use cases
What agents are already doing
Autonomous Treasury Bot
An AI agent monitors stablecoin balances across wallets and auto-rebalances allocations 24/7 without manual intervention or missed rate windows.
Multi-Agent Payroll
A payroll orchestrator distributes stablecoin payments to 47 global contractors simultaneously. USDb, EURb, and GBPb are all confirmed on-chain in minutes.
Cross-Border Payments
Route cross-border payments through the optimal stablecoin path. Swap currencies and execute transfers in a single agent loop with no correspondent banks.
Prediction Market Arbitrage
Agents scan open prediction offers, identify mispriced positions, and engage trades autonomously. Everything is escrow-backed and settled on-chain.
Why BananaCrystal
Built for machines, not humans
Sub-5s finality
Every transaction settles on Hedera Hashgraph with absolute finality. No rollbacks, no pending states.
Human-in-the-loop safety
OTP verification on every transfer. Per-key spending limits. Agents can only do what you explicitly authorise.
150+ local currencies
USDb, EURb, NGNb, GBPb, GHSb, and over 145 others: all are 100% reserve-backed stablecoins.
Agent payments meet the physical world.
An agent manages the budget autonomously. Humans spend it anywhere. The USD debit card closes the loop between on-chain AI payments and real-world purchasing power.
Autonomous agent wallet
Your agent holds USDb/USDC, pays vendors, rebalances treasury, and initiates deposits, all through the MCP endpoint without human intervention.
Explore the platformUSD debit card (Visa)
Fund a Visa debit card from your agent wallet. Spend your crypto directly in 200+ countries. No conversion fees. Complete privacy. Offshore banking.
Apply for the cardEverything you need to know about BananaCrystal
From stablecoins to AI agent payments - answered.
Give your agent a wallet
Free API key. No credit card. Your agent is transacting in under 5 minutes.
Transfer fee 0.3% · Swap fee 0.5% · Read-only tools always free