What is BananaCrystal?

BananaCrystal is agent payment infrastructure — a payment layer built specifically for AI agents. It exposes a Model Context Protocol (MCP) server that gives any AI agent 40 production-ready payment tools across read, transfer, swap, fiat, and offers categories — all settled on the Hedera blockchain in under 5 seconds.

What is MCP and why does it matter for AI agents?

MCP (Model Context Protocol) is an open standard created by Anthropic and adopted by OpenAI, Google, and the Linux Foundation. It lets AI agents discover and call external tools — like payment APIs — without custom integration code. BananaCrystal exposes a single MCP endpoint at agents.bananacrystal.com/mcp. Any MCP-compatible agent connects with one config line and immediately sees all 40 payment tools.

Which AI frameworks work with BananaCrystal MCP?

Any framework that supports MCP works out of the box: Claude (Anthropic), ChatGPT and the OpenAI Responses API, LangChain via langchain-mcp-adapters, AutoGPT, CrewAI, Cursor, Windsurf, and any custom agent built on the MCP SDK.

Can an AI agent move money without my permission?

No. Every API key has explicit permission scopes — read_only, transfer, swap, fiat, offers, or rate. An agent can only perform operations within the scopes you grant. Every transfer also requires a 6-digit OTP sent to your registered email. The agent cannot complete a transfer without you providing that code.

What happens if an AI agent tries to send the same payment twice?

Nothing. Every write operation is protected by idempotency keys stored in Redis. If an agent retries a request — which is common when agents encounter timeouts — the duplicate is detected and rejected automatically. No double-spends, ever.

How do I limit how much an AI agent can spend?

Each API key has configurable per-transaction limits and rolling 24-hour spending caps. You set the ceiling when you create the key. The agent cannot exceed those limits regardless of what instructions it receives.

What tools does the BananaCrystal MCP server expose?

Forty production-ready tools across five categories: Read (get_balances, get_exchange_rate, get_transaction_history, get_my_limits), Transfer (transfer_tokens, request_transfer_otp), Swap (swap_currency), Fiat (initiate_deposit, request_withdrawal, get_kyc_status, initiate_kyc), and Offers/Trades (create_offer, engage_offer, list_trades, and more). All tools are live and guarded by the full security stack.

How is every agent action audited?

Every MCP tool call — read or write — is written to a dedicated topic on the Hedera consensus layer. Entries are timestamped, immutable, and publicly verifiable on-chain. You get a tamper-proof audit trail of everything your agent did, forever.

How fast are transactions?

Transactions settle in under 5 seconds. This includes transfers, swaps, and withdrawals — dramatically faster than traditional banking and most other blockchains. Hedera Hashgraph achieves absolute finality — transactions cannot be reversed or reorganised.

What currencies does BananaCrystal support?

BananaCrystal supports 150+ currencies across Africa, Asia, Europe, the Americas, and Oceania. Major stablecoins include USDb (USD), EURb (EUR), GBPb (GBP), CADb (CAD), NGNb (NGN), GHSb (GHS), and many more.

What are BananaCrystal stablecoins?

BananaCrystal creates digital stablecoins like USDb, EURb, NGNb, and GBPb that are backed 1:1 by real fiat currency reserves. They are stable digital versions of traditional currencies — no volatility, no speculation, just the convenience of blockchain with the stability of fiat.

What is the difference between USDb and USDC?

USDC is the standard USD stablecoin used to fund your account. USDb is the native platform token — also pegged 1:1 to USD — used within the BananaCrystal ecosystem to swap into other local currency stablecoins. Think of USDC as the on-ramp and USDb as the trading currency.

Can multiple AI agents share one API key?

Technically yes, but one key per agent is recommended for production. Separate keys give you granular spending limits, independent audit trails, and the ability to revoke a single agent's access without affecting others.

What does the OTP flow look like from an agent's perspective?

When an agent calls transfer_tokens, the MCP server first calls the OTP endpoint and returns a transactionRef. The agent surfaces a message to the user asking for the 6-digit code sent to their email. The user provides the code, the agent retries with it, and the transfer executes. The agent cannot bypass this step — it is enforced at the API level.

Is there a rate limit on how many requests an agent can make?

Yes. Each API key has per-minute and per-day request caps enforced in Redis. This prevents runaway agents from hammering the API or racking up unexpected costs. Limits are configurable per key from the dashboard.

Yes. Every stablecoin is backed 1:1 by real currency reserves. OTP verification is required on every transfer. Per-key spending limits prevent agents from exceeding authorised amounts. Every operation is logged to an immutable audit trail on Hedera. AI agents can only move funds within the permission scopes you explicitly grant.

How do I get started with BananaCrystal?

Sign up at agents.bananacrystal.com — free, no credit card required. Your wallet is created instantly. Generate an API key from your dashboard, point your agent at agents.bananacrystal.com/mcp, and your agent auto-discovers all 40 payment tools.

BananaCrystal API Integration

Integrate our swap, onramp, and balance checking APIs into your application

Token Swapping

Swap between different Hedera tokens

POST

/hedera-transactions/swap-hedera-tokens

Required: fromTokenId, toTokenId, fromAmount, toAmount, userAccountId

Fiat Onramp

Convert fiat currency to crypto

POST

/onramp/initiate

Required: userId, amount, currency, paymentMethod

Balance Check

Check token balance for accounts

GET

/hedera-transactions/balance/{accountId}/token/{tokenId}

Required: accountId, tokenId in URL path

Authentication

All API requests require authentication headers

access-token:your-access-token

client:your-client-token

uid:your-uid

Need Help?

Contact our technical team for integration support