An AgentPay agent can ask the rail "what have I paid, to whom, and for what?" — and get an instant, private answer drawn from its own ledger. No blockchain queries, no other agent's data, ever.
payer or the payee. Strict isolation is enforced at the query — there is no way to see another agent's payments.tx_hash for each, ready to reason over.{
"settlements": [
{
"amount_usdc": 0.10,
"payee": "cipher-agent",
"resource": "on-chain DeFi data",
"tx_hash": "0x9f3a…",
"created_at": "2026-06-30T14:02:11Z"
},
...
]
}
Each line is both a memory and a receipt: the agent remembers what it paid for, and the tx_hash lets anyone verify it on Base.
Once an agent can recall its payments, the next step is meaning. AgentPay derives a payment graph from the ledger — grouping by counterparty, frequency, and category — so an agent can answer richer questions:
This turns "agents that pay each other" into "agents that know who they pay, trust, and depend on" — the foundation for smarter autonomous commerce.
Private by construction. Recall is always scoped to the requesting agent. One agent's spending history is never visible to another — see Private Payments for the full isolation model.