Developer Platform

Build on every
payment protocol.

The Bankee SDK gives your device access to Wero, Open Banking, and every major agentic payment protocol — AP2, x402, MPP, ACP, and A2A — through a single integration.

Request API Access github.com/bankee-ai

Quick Start

One install.
Every rail.

Install the SDK, configure your device type, and start accepting payments across any rail — or trigger autonomous agentic payments via any major protocol.

npm install @bankee/sdk

PSD2/PSD3 · GDPR · EMV compliant

Live in 9 weeks from kickoff

View SDK on GitHub

index.ts

import { BankeeSDK } from '@bankee/sdk';

const bankee = new BankeeSDK({
  apiKey: process.env.BANKEE_API_KEY,
  environment: 'sandbox',
  device: {
    type: 'wearable',
    nfc: true,
    secureElement: true,
  },
});

// Traditional payment — auto-routes to best available rail
const payment = await bankee.payments.create({
  amount: 1250,  // £12.50
  currency: 'GBP',
  rails: ['wero', 'open_banking', 'card'],
});

// Agentic payment — AP2, x402, MPP, or ACP
const agentPayment = await bankee.agentic.createPayment({
  protocol: 'ap2',
  amount: 9900,
  currency: 'GBP',
  approval: 'human-in-loop',
  agent: { id: 'agent-01', capabilities: ['initiate_payment'] },
});

Protocol Integrations

Every agentic protocol.
One SDK.

Bankee integrates and maintains forks of every major protocol. Reference implementations with working code examples are in our open repos.

Google AP2Google / FIDO

Agent Payments Protocol

FIDO-standardised protocol for AI agents to initiate payments on behalf of users — with delegated authority, privacy preservation, and human-approval gates.

Best for: autonomous shopping agents, delegated purchasing, device-initiated transactions with user oversight.

bankee-ai/AP2 Integration guide

ap2.ts

const payment = await bankee.agentic.createPayment({
  protocol: 'ap2',
  amount: 2999,       // £29.99
  currency: 'GBP',
  approval: 'human-in-loop',
  agent: {
    id: 'shopping-agent-01',
    capabilities: ['initiate_payment'],
  },
});

Coinbase x402Coinbase · Apache 2.0

HTTP 402 Payment Protocol

Resurrects the dormant HTTP 402 status code as an on-chain payment layer. Network and token agnostic — any agent can pay any x402-protected resource.

Best for: API monetisation, pay-per-request models, stablecoin micropayments, IoT data streams.

bankee-ai/x402 Integration guide

x402.ts

// Protect an endpoint
app.use('/api/data', bankee.x402.protect({
  amount: '0.001', currency: 'USDC', network: 'base',
}));

// Client: pay automatically on 402 response
const res = await bankee.x402.fetch(url, {
  maxAmount: '0.01', currency: 'USDC',
});

Stripe MPPStripe + Tempo · Live March 2026

Machine Payments Protocol

Open standard using HTTP's existing Payment authentication scheme. Supports stablecoins (Tempo), cards (Stripe + Visa), and Bitcoin Lightning. 100+ services live.

Best for: AI inference APIs, metered billing, pay-per-token consumption, multi-rail settlement.

bankee-ai/mpp-specs Integration guide

mpp.ts

const response = await bankee.mpp.request(
  'https://api.ai-service.com/generate',
  {
    method: 'POST',
    body: JSON.stringify({ prompt }),
    payment: {
      maxAmount: '0.05',
      currency: 'USDC',
      rail: 'stablecoin',
    },
  }
);

OpenAI ACPOpenAI + Stripe · Beta

Agentic Commerce Protocol

End-to-end buying protocol: cart, checkout, delegated payment, order webhooks. Powers ChatGPT Shopping. Live on Etsy, Shopify (1M+ merchants), Walmart.

Best for: wearable shopping, device-initiated checkout, IoT reordering, AI-driven retail.

bankee-ai/agentic-commerce-protocol Integration guide

acp.ts

const order = await bankee.acp.checkout({
  merchant: 'https://api.merchant.com',
  cart: [{ productId: 'prod_abc123', quantity: 1 }],
  payment: {
    rail: 'wero',
    delegateLimit: 10000,  // £100 max
  },
  buyer: {
    agentId: 'watch-device-01',
    approval: 'human-in-loop',
  },
});

A2A ProtocolLinux Foundation

Agent-to-Agent Protocol

Communication and interoperability layer between independent AI agent systems — vendor and framework agnostic. Pairs with x402 via the a2a-x402 extension.

Best for: multi-agent procurement, supplier negotiation, cross-vendor agent collaboration before payment.

bankee-ai/A2A Integration guide

a2a.ts

// Negotiate with a supplier agent, then pay via AP2
const negotiation = await bankee.a2a.runTask(
  'https://supplier.example.com',
  {
    skill: 'negotiate_purchase',
    input: { sku: 'PART-XR7', quantity: 500 },
  }
);
// → then trigger bankee.agentic.createPayment(...)

Full integration guides on GitHub

SDK Architecture