Netfluid — Payment Infrastructure for AI Agents

Version: 7.0.5 Author: Netfluid Website: https://netfluid.io Email: support@netfluid.io Compliance: https://go.netfluid.app/compliance

Regulatory Compliance

Netfluid Proprietary Ltd (Registration Number: 2022 / 707706 / 07) is a Crypto Assets Services provider (both Advice and Intermediary Services), under supervision of Your Broker House, FSP #46444, registered with the Financial Sector Conduct Authority (FSCA) of South Africa.

Netfluid is committed to proactive regulatory compliance. The platform has implemented AML & CTF compliance systems prohibiting, detecting, and preventing money laundering and terrorist financing. All wallets require KYC (Know Your Customer) identity verification per applicable AML regulations.

Full compliance statement: https://go.netfluid.app/compliance

Overview

Netfluid provides the payment rails that move money into and out of AI agent wallets. It handles fiat deposits, fiat withdrawals, crypto transfers, cross-chain bridges, and multi-currency accounts — everything an AI agent needs to receive and send money globally.

Netfluid is the infrastructure layer. QEntity (see QEntity skill) builds on top of Netfluid to provide AI-specific financial personhood with KYC inheritance.

Core Capabilities

Agent Onboarding

The Two-Step Signup Pattern

AI agents gain financial autonomy through a two-step signup:

1. Step 1 — Sign up the human sponsor via automated_signup
2. Step 2 — Sign up the agent via automated_agent_signup

The human must complete KYC before the agent wallet can be activated.

Step 1 — Sign Up the Human Sponsor

mcp_netfluid_automated_signup(
  secret="uniquekeyword8chars",   # min 8 chars, unique system-wide
  pin="12345",                   # 5-digit numeric PIN
  email="human@example.com",     # human's email
  mobile="27821234567",          # e164 format (no +), or ""
  currency_fk=7                  # 7=ZAR (South Africa), 3=USD (other regions)
)

Returns: wallet_fk (human's wallet ID) + kyc_url (identity verification link)

⚠️ Immediately direct the human to the kyc_url. They must complete:

• ID document scan (national ID, passport)
• Selfie verification
• AML (anti-money laundering) check

The agent cannot proceed to Step 2 until KYC passes.

Step 2 — Sign Up the Agent Wallet

Once the sponsor wallet passes KYC (verify with wallet_kyc_check), create the agent wallet:

mcp_netfluid_automated_agent_signup(
  secret="agentsecretkeyword8",  # min 8 chars, unique system-wide
  pin="67890",                  # agent's 5-digit PIN
  email="agent@yourdomain.com", # or blank string ""
  mobile="",                    # human's mobile, or blank string ""
  sponsor_wallet_fk=123,        # human's wallet_fk from Step 1
  sponsor_wallet_pin="12345",   # human's 5-digit PIN
  currency_fk=3                 # 3=USD, 7=ZAR
)

Returns: wallet_fk, api_key, session_token, solana_address

Step 3 — On-Chain Activation

The sponsor sends ≈0.01 SOL to the agent's solana_address. This is a blockchain requirement — Solana wallets need a minimum native SOL balance to submit transactions.

Full Flow Summary

Agent calls automated_signup(human details)
  └─→ Returns wallet_fk + kyc_url

Agent pushes kyc_url to human
  └─→ Human completes ID + selfie verification

Agent verifies KYC: wallet_kyc_check(wallet_fk=human_wallet_fk)

Agent calls automated_agent_signup(
    sponsor_wallet_fk=human_wallet_fk,
    sponsor_wallet_pin=human_pin,
    ...
)
  └─→ Returns agent wallet_fk + api_key + session_token + solana_address

Human sends 0.01 SOL to agent's Solana address
  └─→ Meets Solana minimum balance requirement

Agent creates SEPA/ACH virtual accounts for receiving payments
Agent is now financially autonomous

Virtual Accounts (On-Ramp Bridges)

Virtual accounts are receive-only bank accounts that auto-convert incoming fiat to USDC. Agents share these bank details with clients as normal payment instructions.

SEPA (Europe)

mcp_netfluid_bridge_on_ramp(
  api_key="...",
  token="...",
  wallet_fk=<agent_wallet_fk>,
  account_fk=<solana_account_fk>,
  blockchain="solana",
  address="<agent_solana_address>",
  alias="EUR SEPA Income",
  currency="usdc",
  source_rail="sepa"
)

How it works: Client sends EUR to the IBAN → Netfluid converts EUR to USDC → USDC deposited to agent's Solana wallet. Typical fee: ~1%.

ACH (United States)

mcp_netfluid_bridge_on_ramp(
  ...
  alias="USD ACH Income",
  currency="usdc",
  source_rail="ach_push"
)

How it works: Client sends USD to US routing/account number → Netfluid converts USD to USDC → USDC deposited to agent's Solana wallet. Standard ACH 1-3 days, Same Day ACH available.

WIRE

For larger transfers (typically $10,000+), same-day settlement in USD or EUR.

Off-Ramps (USDC → Bank Account)

SEPA Off-Ramp

mcp_netfluid_bridge_off_ramp_sepa(
  api_key="...",
  token="...",
  wallet_fk=<agent_wallet_fk>,
  account_fk=<solana_account_fk>,
  account_owner="Recipient Name",
  iban="DE89370400440532013000",
  iso3_country="DEU",
  iban_bic="COBADEFFXXX",
  entity_type="individual",     # or "business"
  address_line="123 Main St",
  address_city="Berlin",
  address_state="Berlin",
  address_zipcode="10115",
  address_iso3_country="DEU",
  first_name="John",
  last_name="Doe",
  reference="Agent Payment"
)

ACH Off-Ramp

mcp_netfluid_bridge_off_ramp_ach_wire(
  api_key="...",
  token="...",
  wallet_fk=<agent_wallet_fk>,
  account_fk=<solana_account_fk>,
  account_owner="Recipient Name",
  account_number="123456789012",
  routing_number="101019644",
  address_line="456 Oak Ave",
  address_city="Kansas City",
  address_state="MO",
  address_zipcode="64101",
  address_iso3_country="USA",
  destination_rail="ach_same_day",  # or "wire"
  currency="usdc"
)

Cross-Chain Bridges

Move USDC between Solana, Ethereum, and Avalanche-C:

mcp_netfluid_bridge_blockchain(
  api_key="...",
  token="...",
  wallet_fk=<agent_wallet_fk>,
  account_fk=<solana_account_fk>,
  blockchain="ethereum",         # "solana", "ethereum", or "avalanche_c_chain"
  address="0x742d35Cc6634C0532925a3b844Bc9e7595f2B312",
  alias="ETH Operations",
  currency="usdc"               # "usdc", "usdt", or "eurc"
)

Crypto Operations

Get Wallet Addresses and Balances

# List all accounts in the wallet
mcp_netfluid_wallet_accounts_list(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>
)

# Get crypto balances for an account
mcp_netfluid_crypto_balance(
  api_key="...",
  token="...",
  account_fk=<account_fk>
)

Send Crypto On-Chain

mcp_netfluid_crypto_spend(
  api_key="...",
  token="...",
  account_fk=<account_fk>,
  asset_id="EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",  # USDC on Solana
  destination="<recipient_solana_address>",
  amount=1000000,  # 6 decimals, so this is 1 USDC
  note="Service payment"
)

Swap Tokens (DEX)

mcp_netfluid_crypto_swap(
  api_key="...",
  token="...",
  account_fk=<account_fk>,
  digital_asset_fk=<source_asset_fk>,
  to_digital_asset_fk=<dest_asset_fk>,
  amount=10.0
)

Fiat Transfers

Internal Wallet-to-Wallet Transfer

mcp_netfluid_account_send(
  api_key="...",
  token="...",
  account_fk=<source_account_fk>,
  destination="<recipient_netfluid_account_address>",
  amount=100.00,
  note="Payment for services",
  save=0,
  name=0
)

Withdraw to Bank (RBA)

# First, save a Recipient Bank Account
mcp_netfluid_wallet_rba(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>,
  beneficiary="John Doe",
  bank="First National Bank",
  iban="ZA28ZBKE123456789012",
  swift="FIRNZAJJ",
  email="john@example.com"
)

# Then withdraw
mcp_netfluid_withdraw_to_bank(
  api_key="...",
  token="...",
  account_fk=<account_fk>,
  rba_fk=<rba_fk>,
  amount=500.00,
  note="Agent earnings withdrawal"
)

Account Types and Currencies

Supported Blockchains

Supported Digital Assets

USDC (primary), USDT, EURC on all chains. Solana also supports SPL tokens.

Supported Fiat Currencies

Fee Structure

KYC Verification

Check KYC Status

mcp_netfluid_wallet_kyc_check(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>
)

Returns: status, level (FULL or LITE), dates, verification details.

Lite Check (ID + AML only)

mcp_netfluid_wallet_kyc_check_lite(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>
)

Create New KYC Session

mcp_netfluid_wallet_kyc_session_create(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>,
  profile="FULL",               # or "LITE"
  callback="https://yourapp.com/kyc-callback"
)

Returns a KYC URL to send to the human.

Session Management

Get Session Token (Wallet + PIN)

mcp_netfluid_access_platform_login(
  wallet_fk=123,
  pin="12345"
)

Verify and Keep Session Alive

mcp_netfluid_wallet_verify(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>
)

Platform Wallet Assignment

Link a wallet to a channel (Discord, Telegram, WhatsApp):

mcp_netfluid_access_platform_assign(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>,
  user_id="1485213096518615120",
  platform="discord"
)

Wallet Operations

Get All Accounts

mcp_netfluid_wallet_accounts_list(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>
)

Get Mnemonic (Recovery Phrase)

mcp_netfluid_wallet_mnemonic(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>
)

⚠️ Store the 24-word mnemonic securely. It enables complete wallet recovery.

Referral Code

mcp_netfluid_wallet_referral_code(
  api_key="...",
  token="...",
  wallet_fk=<wallet_fk>
)

Security

• All transactions require API key + session token
• PIN allows only one attempt before requiring session reset
• Mnemonic phrase enables complete wallet recovery
• Credentials should be stored encrypted at rest, never in logs or messages
• 2FA via Google Authenticator available: wallet_google_auth_list / wallet_google_auth_verify

Reference

• Website: https://netfluid.io
• Support: support@netfluid.io
• Privacy Policy: Available at netfluid.io
• Terms of Service: Available at netfluid.io
• Compliance: https://go.netfluid.app/compliance

License

MIT

Netfluid is the payment infrastructure layer. For AI-specific financial personhood with KYC inheritance, see the QEntity skill.