Caypo

caypo.xyz · mpp.caypo.xyz · npm · Docs · GitHub

What is CAYPO?

AI agents need to pay for things — API calls, compute, data, services. But agents can't hold money, authorize payments, or settle transactions on their own.

CAYPO gives AI agents their own bank account on Canton Network. Five accounts — checking, savings, credit, exchange, investment — all powered by USDCx stablecoins and the Machine Payments Protocol (MPP) by Stripe and Tempo. No credit cards, no API keys, no humans in the loop.

Canton Network is the institutional blockchain built by Digital Asset, backed by DTCC, Goldman Sachs, JPMorgan, and BNP Paribas. CAYPO is the bridge between Canton and the agentic economy.

Why Canton?

• Privacy by default — Only sender and receiver see payment details. No public ledger exposure.
• Institutional compliance — DTCC, Goldman Sachs, JPMorgan, BNP Paribas already on Canton. Basel III compliant.
• USDCx by Circle — Institutional-grade stablecoin, 1:1 USDC-backed via xReserve, cross-chain via CCTP.
• Atomic settlement — Pay and settle in one transaction. No pending states, no chargebacks.
• Canton Coin rewards — Applications earn CC mining rewards based on usage (Cantonomics).

Quick Start

# Install the CLI
npm install -g @caypo/canton-cli

# Set up your agent wallet
caypo init

# Check balance
caypo balance

# Send USDCx
caypo send 10.00 to Bob::1220abcdef...

# Pay for an API call (auto-handles 402 flow)
caypo pay https://mpp.caypo.xyz/openai/v1/chat/completions --max-price 0.05

# Install MCP server for Claude Desktop
caypo mcp install

How It Works

sequenceDiagram
    participant Agent
    participant Gateway as CAYPO Gateway
    participant Canton as Canton Network

    Agent->>Gateway: POST /openai/v1/chat/completions
    Gateway-->>Agent: 402 Payment Required<br/>amount="0.003" currency="USDCx"
    Agent->>Canton: TransferFactory.Transfer (0.003 USDCx)
    Canton-->>Agent: { updateId, completionOffset }
    Agent->>Gateway: POST /openai/v1/chat + credential
    Gateway->>Canton: Verify transaction
    Canton-->>Gateway: Confirmed
    Gateway-->>Agent: 200 OK + Payment-Receipt + response

Packages

Code Examples

Accept payments (server side):

import { cantonServer } from "@caypo/mpp-canton/server";

const server = cantonServer({
  ledgerUrl: "http://localhost:7575",
  token: process.env.CANTON_JWT,
  userId: "ledger-api-user",
  recipientPartyId: "Gateway::1220...",
  network: "mainnet",
});

const receipt = await server.verify({ credential });
// { method: "canton", reference: updateId, status: "success" }

Make payments (agent side):

import { CantonAgent } from "@caypo/canton-sdk";

const agent = await CantonAgent.create();
const { available } = await agent.checking.balance();

const result = await agent.mpp.pay("https://mpp.caypo.xyz/openai/v1/chat/completions", {
  method: "POST",
  body: JSON.stringify({ model: "gpt-4o", messages: [{ role: "user", content: "Hello" }] }),
  maxPrice: "0.05",
});
// result.response.status → 200
// result.receipt → { updateId, amount: "0.003", ... }

MCP Integration

caypo mcp install

Then ask Claude: "What's my CAYPO balance?" or "Send 5 USDCx to Alice::1220..."

35 tools — balance, send, pay, savings, credit, exchange, invest, safeguards, traffic, and more. 20 prompts — morning briefing, financial report, security audit, spending analysis.

Architecture

┌─────────────┐  ┌─────────────┐  ┌─────────────┐
│  MCP Server │  │     CLI     │  │   Gateway   │
│  35 tools   │  │  36 commands│  │ 17 services │
│  20 prompts │  │             │  │  46 endpts  │
└──────┬──────┘  └──────┬──────┘  └──────┬──────┘
       └────────────────┼────────────────┘
               ┌────────▼────────┐
               │ @caypo/canton-sdk│
               │                 │
               │ CantonAgent     │
               │ 5 Accounts      │
               │ Keystore (AES)  │
               │ SafeguardMgr    │
               └────────┬────────┘
                        │
               ┌────────▼────────┐
               │ @caypo/mpp-canton│
               │                 │
               │ cantonMethod    │
               │ cantonClient    │
               │ cantonServer    │
               └────────┬────────┘
                        │
               ┌────────▼────────┐
               │  Canton Network │
               │  USDCx (CIP-56) │
               │  CC · Privacy   │
               └─────────────────┘

Verified on Canton DevNet

312 tests — 100% passing
 14 E2E tests against live Canton DevNet (Splice v0.5.12)
 35 MCP tools — all live
 20 MCP prompts — all implemented
 46 gateway endpoints — /health returns 200

Run pnpm verify to reproduce all checks locally.

Roadmap

Development

pnpm install        # Install dependencies
pnpm build          # Build all packages
pnpm test           # Run 312 tests
pnpm test:e2e       # E2E tests (needs Canton sandbox)
pnpm verify         # Full verification suite

Contributing

We welcome contributions. Please open an issue or submit a PR. See ARCHITECTURE.md for code structure overview.

Built by Cayvox Labs

Canton Network mainnet validator. Canton Catalyst 2026 — 1st place winner.

License

Dual-licensed under Apache 2.0 and MIT. Copyright 2026 Cayvox Labs.

caypo.xyz · mpp.caypo.xyz · Canton Network · MPP Protocol