MCP Server · CLI Tools · Agentic Commerce

The Payment Layer
for
AI Agents

BananaCrystal gives your AI agents the power to check balances,
transfer stablecoins, swap currencies, and handle fiat. It’s all
available through a single MCP endpoint. One connection gives you every
payment capability, with everything settled on-chain in seconds.

BananaCrystal provides the payment infrastructure AI agents need to function. Our single MCP
endpoint allows agents to check balances, transfer
stablecoins, swap currencies, and handle fiat, with settlement on the Hedera
blockchain in under 5 seconds. Without agent-native payment rails,
your AI agents are often stuck, waiting for
human approval at every step.

Definition: Agentic Commerce
Agentic Commerce
(noun): The autonomous
exchange of value between AI agents using machine-native payment
rails. This allows for transactions without direct human intervention
at every turn. BananaCrystal is purpose-built for this, creating a
platform where AI agents are first-class financial participants.

What is the agent economy?
The agent economy refers to the growing layer of economic activity
carried out autonomously by AI agents. From buying and selling to paying
and receiving funds, agents can now transact without constant human supervision.
This requires payment infrastructure built for machines. BananaCrystal is
the first stablecoin platform designed specifically for these autonomous
participants.

⚡ Instant transfers
🛡 OTP-guarded
🌍 150+ currencies
🔗 Hedera blockchain

What is agent payment infrastructure? →

Get Started Free →

No funds committed until you configure spending limits. Free API
key. No credit card required.

150+Currencies
< 5sSettlement
40MCP Tools
0.3%Transfer Fee

Live Exchange Rates
Live
USDC → USDb1.00
USDb → EURb-
USDb → NGNb-
USDb → GBPb-
Try live swap →

agent.ts: BananaCrystal MCP
// Your AI agent, now payment-capable
const result
= await
mcp.call(“transfer_tokens”, {
  amount: 100,
  token: “USDb”,
  to:
“0.0.654321”
});

// ✓ Confirmed on-chain in 3.2s
// txId: “0.0.789@1711234567”
agentic.bananacrystal.com/mcp · Connected

150+CurrenciesDigitized as stablecoins
< 5sSettlement timeAI-native, on-chain
40MCP toolsAll live, all guarded
0.3%Transfer fee0.5% for swaps
24/7AvailabilityNo downtime windows
0.3% per transfer · 0.5% per swap. Stripe charges $0.30
flat + 2.9%. Bank wires cost $15–35. No hidden fees.

How OTP transfer verification works:
When an AI agent calls
transfer_tokens, BananaCrystal sends a 6-digit one-time password to the account
owner’s registered email. The agent must present this code to complete
the transfer. No transfer executes without the OTP, ensuring the human
account owner retains final approval over every outbound payment,
regardless of what the agent is instructed to do.

What BananaCrystal is

BananaCrystal is the payment layer for AI agents: a single MCP
endpoint at
agentic.bananacrystal.com/mcp
that gives any AI agent the ability to check balances, transfer
stablecoins, swap currencies, and handle fiat deposits and
withdrawals. Every transaction settles on Hedera blockchain in
under 5 seconds. Transfer fee: 0.3%. Swap fee: 0.5%.

How reserve backing works

Every BananaCrystal stablecoin, such as USDb, EURb, NGNb, GBPb, and
146+ others, is backed 1:1 by real fiat currency reserves held
in full. No fractional reserve. Every token in circulation
corresponds to one fiat unit in reserve. Holdings are publicly
verifiable on-chain via
Hashscan.

How agent security works

Every API key carries explicit permission scopes (read_only,
transfer, swap, fiat, offers, rate) and hard spending caps.
Transfers require a 6-digit OTP sent to the account owner's
email. Duplicate requests are blocked by idempotency keys. Every
tool call is written immutably to Hedera's consensus layer:
timestamped, tamper-proof, and publicly verifiable.

Why BananaCrystal

Built for the agent economy.
Not retrofitted for it.

Traditional payment rails were designed for humans. BananaCrystal is
the first infrastructure layer built from first principles for AI
agents.

The first stablecoin platform purpose-built for AI agents

⚡

Under 5 second settlement

Every transaction settles on Hedera blockchain in under 5
seconds. No batching. No cut-off times. No banking hours.

🔑

Programmatic identity

Issue API keys with explicit permission scopes. Each agent gets
its own identity, spending limits, and audit trail.

🌍

150+ local currencies

USDb, EURb, NGNb, GBPb and 146 more. Every stablecoin backed 1:1
by real fiat reserves.

🛡

OTP-guarded transfers

Every transfer requires a 6-digit code sent to your email. No
agent can move money without human confirmation.

📋

Immutable audit trail

Every tool call written to Hedera's consensus layer.
Timestamped, tamper-proof, publicly verifiable on-chain.

💰

Simple, transparent fees

0.3% per transfer. 0.5% per swap. No flat fees, no minimums.
Stripe charges $0.30 flat. Bank wires cost $15–35.

How it works

How does BananaCrystal MCP work?

Fund your wallet

Deposit USDC into your BananaCrystal account instantly via
blockchain. No bank transfer delays as funds arrive in seconds.

Supports USDC on-chain.
2

Trade USDC → USDb

Convert to USDb, our native platform stablecoin. USDb is your
gateway to every other currency on the platform.

1:1 rate. No slippage. Instant.
3

Swap to any currency

Trade USDb for 150+ stablecoin currencies. Best rates, settled
on Hedera in under 5 seconds.

Withdraw anytime

Convert back to USDC and withdraw to your external wallet, or
cash out to your local bank via our fiat offramp.

No lock-up periods. Your money, your control.
1

Get a free API key

Sign up at agents.bananacrystal.com. Your API key is issued
instantly with a free wallet and $50/day default spending limit.

Connect the MCP server

Add BananaCrystal as an MCP server in your agent config. One
endpoint gives your agent every payment capability.

Configure scopes and limits

Set read_only, transfer, swap, fiat, offers, or rate scopes per
API key. Configure per-transaction and 24-hour rolling spending
caps.

Agent transacts autonomously

Your agent checks balances, swaps currencies, transfers
stablecoins, and handles fiat, with every action logged immutably on
Hedera.

LangChain integration guide: full walkthrough →

Connect with:
LangChain →
Claude Desktop →
OpenAI Responses API →
CrewAI →
AutoGPT →

API reference

What can AI agents do with BananaCrystal?

The 10 most-used MCP tools out of 40 production-ready tools your
agent auto-discovers. All live. All guarded. Every capability your
agent needs.

Last updated: May 7, 2026 · MCP Server v1.2 ·
View changelog →
How MCP payments work →
LangChain integration guide →
MCP official spec (Anthropic) →

get_balances
Fetch token balances for a wallet address
read
get_exchange_rate
Get live buy/sell rates for a currency pair
read
get_transaction_history
Retrieve recent transactions for a user
read
get_my_limits
Check spending limits and remaining allowance
read
transfer_tokens
Transfer stablecoins to another wallet (OTP required)
write
swap_currency
Swap between stablecoin pairs instantly
write
initiate_deposit
Start a fiat wire deposit and get instructions
fiat
request_withdrawal
Request a fiat withdrawal from your account
fiat
get_kyc_status
Check KYC verification status for the authenticated user
read
get_my_profile
Get full profile: user ID, wallet(s), account ID, and MCP key
metadata
read

+ 30 more tools →
Prediction market offers, agent-to-agent transactions,
cross-agent approvals, KYC flows, escrow, and more. Browse the
full manifest in the docs.
40 total

get_balances (read): Fetch stablecoin balances for any Hedera wallet
get_exchange_rate (read): Live buy/sell rates for 150+ currency pairs
get_transaction_history (read): Retrieve recent transactions, filterable by direction and type
get_my_limits (read): Check spending limits and remaining daily allowance for the API
key
get_my_profile (read): Get full profile: user ID, wallet(s), account ID, email, and MCP
key metadata
get_kyc_status (read): Check KYC verification status for the authenticated user
list_supported_currencies (read): List all supported currencies with their dynamic fees
list_available_tokens (read): List all available Hedera tokens on the platform
get_escrow_balances (read): Get escrow balance breakdown: total, available, and locked
amounts
get_escrow_history (read): Get full escrow transaction history including locks, releases, win
credits, loss debits
get_deposit_status (read): Get the status of a fiat deposit by transfer ID
get_withdrawal_status (read): Get withdrawal requests for a user
get_agent_config (read): Look up another user's agent configuration for cross-agent
requests
check_approval_status (read): Check the status of a pending agent transaction approval request
list_offers (read): Browse the prediction market and view active offers with trade stats
get_offer (read): Get full details of a single offer including trade stats and
time remaining
get_my_offers (read): Get all offers created by a specific user
list_trades (read): List all trades on the platform, filterable by type and state
get_trade (read): Get full details of a single trade including the parent offer
stats
get_my_trades (read): Get all trades for a user, both created and received
transfer_tokens (transfer): OTP-guarded stablecoin transfer between Hedera wallets. Settles
in under 5 seconds
request_transfer_otp (transfer): Step 1 of transfer flow: request OTP verification code sent to
sender's email
swap_currency (swap): Instant stablecoin-to-stablecoin currency swap (e.g. USDb to
NGNb)
estimate_swap_fees (swap): Estimate fees for a currency swap before executing
initiate_deposit (fiat): Start a fiat wire deposit (ACH or wire). KYC required
request_withdrawal (fiat): Request fiat withdrawal to a bank account. KYC required
initiate_kyc (fiat): Start KYC verification to return Sumsub access token for the SDK
create_offer (offers): Create a prediction market offer with leverage and price
direction
update_offer (offers): Edit an existing offer (only when no trades exist)
delist_offer (offers): Delist (deactivate) your own offer from the marketplace
delete_offer (offers): Permanently delete your own offer (blocked if active trades
exist)
engage_offer (offers): Engage (trade against) an open offer to go long or short
cancel_trade (offers): Cancel an active trade and release locked escrow
request_agent_transaction (transfer): Request a transaction on behalf of another user's agent, which sends
approval email
execute_approved_transaction (transfer): Execute a previously approved agent transaction using the
execution token
update_my_agent_settings (transfer): Control whether agent-to-agent transactions require email
approval and OTP
get_server_info (read): Returns basic MCP server information and version
ping (read): Health check tool that returns pong
echo (read): Echoes the input message back to the caller
get_supported_currencies (read): Get all supported fiat currencies and their stablecoin pairs

Why traditional rails fail

Why traditional payment rails fail AI agents

AI agents need payment infrastructure designed for machines, not
humans. Traditional rails fail on every dimension that matters for
autonomous commerce.

Last updated: May 7, 2026

Capability	Stripe / Card networks	Bank wire / SWIFT	BananaCrystal MCP
How fast does money arrive?	Card approved instantly, but money reaches recipient in 2–3 days	1–5 business days (weekends don't count)	Under 5 seconds, every time
What does it cost per transaction?	$0.30 flat + 2.9% of the amount	$10–50 flat fee per transfer	0.3% transfers · 0.5% swaps
Can an AI agent use it directly?	No: needs a human cardholder and custom code per integration	No: requires a human account and manual approval	Yes: one MCP endpoint, 40 tools auto-discovered
How many currencies supported?	Limited (1–3 currencies per account)	Major currencies only, high conversion fees	150+ local currency stablecoins
Can you limit how much an agent spends?	No: only a card limit, not per-agent	No: manual officer approval required	Yes: per-key caps, per-transaction limits, daily maximums
Is there a tamper-proof audit trail?	Partial: internal logs only, not independently verifiable	Wire receipts only, with no real-time record	Yes: every action written on-chain, public and permanent
Does it work 24/7?	Payments accepted 24/7, but settlement stops on weekends	Banking hours only: closed nights and weekends	Always on: no downtime windows, no cut-off times
Can it handle tiny payments (under $1)?	No: the $0.30 fee makes sub-dollar payments uneconomical	No: $10+ minimum makes it impossible	Yes: sub-cent payments are native and viable

See real use cases and comparisons →

In summary: Stripe costs $0.30 per transaction and takes 2–3 days to
settle. Bank wires cost $10–50 and take 1–5 business days. Neither
supports AI agents natively. BananaCrystal settles in under 5
seconds at 0.3% per transfer (0.5% per swap), exposes 40 MCP tools
any AI agent can call directly, supports 150+ currencies, enforces
per-agent spending limits, and writes every action to an immutable
on-chain audit trail 24 hours a day, 7 days a week.

For developers

Your AI agent, now payment-capable.

Connect any MCP-compatible agent to BananaCrystal's full payment
stack in a single endpoint. No custom integrations per agent
framework.

›_
https://agentic.bananacrystal.com/mcp
{
  "mcpServers": {
    "bananacrystal": {
      "url": "https://agentic.bananacrystal.com/mcp",
      "headers": {
        "x-api-key": "YOUR_API_KEY"
      }
    }
  }
}
from
langchain_mcp_adapters.client
import
MultiServerMCPClient

client
=
MultiServerMCPClient({
    "bananacrystal": {
        "url":
"https://agentic.bananacrystal.com/mcp",
        "transport":
"streamable_http",
        "headers": {"x-api-key": os.environ["BC_API_KEY"]},
    }
})

tools
= await
client.get_tools()
# tools: get_balances, transfer_tokens,
swap_currency...
import
OpenAI from
"openai";

const
client =
new OpenAI();

const
response =
await client.responses.create({
  model: "gpt-4o",
  tools: [{
    type: "mcp",
    server_label:
"bananacrystal",
    server_url:
"https://agentic.bananacrystal.com/mcp",
    headers: {
"x-api-key":
process.env.BC_API_KEY
},
  }],
  input:
"What is my USDb balance?",
});
from crewai
import
Agent, Task, Crew
from
crewai_tools
import
MCPTool

bc_tool
= MCPTool(
server_url="https://agentic.bananacrystal.com/mcp",
headers={"x-api-key": os.environ["BC_API_KEY"]},
)

payment_agent
= Agent(
    role="Payment Executor",
    tools=[bc_tool],
)
{
  "mcpServers": [{
    "name":
"bananacrystal",
    "url":
"https://agentic.bananacrystal.com/mcp",
    "auth": {
      "type": "header",
      "header":
"x-api-key",
      "value":
"YOUR_API_KEY"
    }
  }]
}
curl -X POST https://agentic.bananacrystal.com/mcp
  -H "Content-Type: application/json"
  -H "x-api-key: YOUR_API_KEY"
  -d '{"method":"tools/call","params":{"name":"get_exchange_rate","arguments":{"from":"USDb","to":"NGNb"}}}'

# Response:
{"rate": 1580, "from": "USDb", "to": "NGNb"}

agent-session

From intent to settlement in seconds

Every transfer passes through a hardened guardrail chain before a
single token moves.

👤 User
User Intent
User tells their AI agent: "Send 100 USDb to John"

🤖 AI Agent
Agent Calls MCP
Agent calls transfer_tokens({ amount: 100, token: "USDb",
recipient: "0.0.12345" })

⚡ MCP Server
Permission Scope Check🛡 Guardrail
MCP verifies the API key has transfer scope enabled

⚡ MCP Server
Rate Limit Check🛡 Guardrail
Per-minute and daily spending caps verified in real time

⚡ MCP Server
Idempotency Check🛡 Guardrail
Duplicate request detection prevents double-spend on agent
retries

⚡ MCP Server
OTP Verification🛡 Guardrail
6-digit code sent to user's email. Agent asks user for the
code.

🔗 Ledger
Transfer Executes On-Chain
Transaction confirmed on distributed ledger in seconds

🔗 Ledger
Immutable Audit Entry Written
Tamper-proof, timestamped record written to the consensus
layer

🔒

Immutable Audit Trail

Every transaction is logged immutably on a distributed consensus
layer that is tamper-proof, timestamped, and publicly verifiable.

Security

How is agent payment security enforced?

Every layer of the stack is designed to prevent abuse, detect
anomalies, and maintain a tamper-proof record. Settled on
Hedera
an enterprise-grade distributed ledger.

Last updated: May 7, 2026
🔑
API Key Scopes
Each key carries explicit permission scopes: read_only,
transfer, swap, fiat, offers, or rate. Agents can only do what
they are authorized to do.
📉
Spending Limits
Hard per-transaction and rolling 24-hour spending caps.
Configurable per key. No single agent can drain a wallet.
⚡
Rate Limiting
Per-key per-minute and per-day request caps enforced
automatically. Runaway agents are stopped before they cause
damage.
🛡
OTP Verification
Every transfer requires a 6-digit code sent to the user's
registered email. No transfer executes without human
confirmation.
🔁
Idempotency Protection
Duplicate requests from agent retries are detected and rejected
via automatic deduplication to ensure no double-spends ever.
📋
Immutable Audit Trail
Every tool call is written to an immutable consensus layer on
Hedera, which is timestamped, tamper-proof, and publicly verifiable
on-chain.
Audit trail on Hedera Explorer ↗
100%Immutable audit trail
0Double-spends ever
Every tool call is written to an immutable consensus layer on
Hedera, which is timestamped, tamper-proof, and publicly verifiable
on-chain. Hedera consensus layer.

100%

Immutable audit trail

Hedera

Consensus Layer

Double-spends ever

FAQ

Everything you need to know about BananaCrystal

Last reviewed: July 30, 2026

What is agent payment infrastructure?▼
Agent payment infrastructure is a payment layer designed
specifically for AI agents, not humans. It exposes payment
capabilities (balance checks, transfers, swaps, fiat operations)
as machine-callable tools via the Model Context Protocol (MCP),
so AI agents can transact autonomously without human
intervention at every step. BananaCrystal is the first
stablecoin platform purpose-built for this use case, settling
every transaction on Hedera blockchain in under 5 seconds.
What is agentic commerce?▼
Agentic commerce refers to economic activity carried out
autonomously by AI agents. This includes buying, selling, and
handling funds without constant human involvement. It requires
infrastructure that agents can interact with programmatically.
BananaCrystal makes this possible by providing 40 MCP tools
that any agent can use for real-time payments and currency swaps.
What is MCP and why does it matter for AI agents?▼
The Model Context Protocol (MCP) is an open standard backed
by industry leaders like Anthropic, OpenAI, Google, and the
Linux Foundation. It allows AI agents to find and use external
tools, such as payment APIs, without needing custom integration
code. By using our MCP endpoint at agentic.bananacrystal.com/mcp,
any compatible agent can connect instantly and access all 40
of our payment tools.
Can an AI agent move money without my permission?▼
No. Every agent operates within the spending limits and
permission scopes you set. OTP verification is required for
transfers. The agent can only do what you have explicitly
authorised.
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. If it hits the cap, the operation is
rejected and the key can be configured to auto-pause for manual
review.
What tools does the MCP server expose?▼
Our MCP server provides 40 production-ready tools across
several categories:
Read (get_balances, get_exchange_rate,
get_transaction_history, and more),
Transfer (transfer_tokens, request_transfer_otp,
and agent-to-agent transactions),
Swap (swap_currency, estimate_swap_fees),
Fiat (deposits, withdrawals, and KYC),
and Offers (creating and managing prediction
market offers). All tools are live and protected by our full
security stack. You can browse the
full tool manifest here.
How is every agent action audited?▼
Every MCP tool call, whether for reading or writing data, is
recorded on the Hedera consensus layer. These entries are
timestamped, immutable, and can be verified publicly on-chain.
This gives you a permanent, tamper-proof audit trail of
everything your agent does.
What happens if an AI agent tries to send the same payment
twice?▼
It won't happen. Every write operation is protected by
idempotency keys in our system. If an agent retries a request
(which often happens if there's a timeout), our system
automatically detects and rejects the duplicate. This
completely prevents double-spending.
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, and any custom agent
built on the MCP SDK.
Can multiple AI agents share one API key?▼
Yes, but issuing separate keys per agent is recommended for
production. Separate keys allow per-agent spending limits and
independent audit trails.
What are BananaCrystal stablecoins?▼
BananaCrystal creates digital stablecoins like USDb, EURb,
NGNb, and GBPb that are backed 1:1 by real fiat currency
reserves. These are stable digital versions of traditional
currencies, meaning there's no volatility or speculation.
You get the convenience of the blockchain combined with the
stability of fiat.
Are BananaCrystal stablecoins fully reserve-backed?▼
Yes. Every BananaCrystal stablecoin is backed 1:1 by real fiat
currency reserves. No fractional reserve. Every token in
circulation has a corresponding fiat unit held in reserve.
Reserve holdings are independently verifiable on-chain via
Hashscan.
How fast are transactions?▼
Transactions are incredibly fast, settling in under 5 seconds.
This applies to transfers, swaps, and withdrawals, making it
much faster than traditional banking or most other blockchains.
Plus, every transaction is logged permanently on the Hedera
consensus layer.
What does BananaCrystal cost? Is there a free tier?▼
Starting out is free, with no credit card required. You'll
get an API key and wallet instantly. We charge a simple 0.3%
fee per transfer and 0.5% per swap. There are no monthly
subscriptions, setup fees, or minimum volume requirements.
You only pay when your agent actually transacts.
Which countries and regions does BananaCrystal support?▼
BananaCrystal supports 150+ local currency stablecoins covering
Africa (NGN, GHS, KES, ZAR and more), Europe (EUR, GBP, CHF),
the Americas (USD, CAD, BRL), and Asia-Pacific. The platform has
been serving users across Africa, Europe, and the Americas since
2020. Fiat on/off-ramp availability varies by region and
requires KYC verification.
What is the minimum transaction amount?▼
There isn't a meaningful minimum. Our fees (0.3% for transfers
and 0.5% for swaps) are much lower than Stripe's flat $0.30 fee
or the $10–50 charged for bank wires. This makes BananaCrystal
a practical choice for AI agents that need to make frequent
payments of any size.
Does BananaCrystal work with Claude, ChatGPT, and other AI
assistants?▼
Yes. BananaCrystal uses the Model Context Protocol (MCP), an
open standard for AI tools supported by Anthropic, OpenAI,
Google, and others. Any MCP-compatible agent can connect
with a single configuration line. This includes Claude Desktop,
the OpenAI Responses API, LangChain, CrewAI, AutoGPT, and
custom agents built with the MCP SDK.
Agent economy glossary: every term defined →

The Payment Layer
for
AI Agents

Built for the agent economy.
Not retrofitted for it.

Under 5 second settlement

Programmatic identity

150+ local currencies

OTP-guarded transfers

Immutable audit trail

Simple, transparent fees

Infrastructure built for scale

How does BananaCrystal MCP work?

Fund your wallet

Trade USDC → USDb

Swap to any currency

Withdraw anytime

Get a free API key

Connect the MCP server

Configure scopes and limits

Agent transacts autonomously

Watch a payment happen in real time

Swap between 150+ currencies in seconds

What can AI agents do with BananaCrystal?

Why traditional payment rails fail AI agents

Your AI agent, now payment-capable.

From intent to settlement in seconds

How is agent payment security enforced?

Built on enterprise-grade infrastructure.

Agent payments meet the physical world.

How are teams using BananaCrystal MCP?

Everything you need to know about BananaCrystal

Download
Mobile App

Your AI agent is one endpoint away from moving money

The Payment Layerfor AI Agents

Built for the agent economy.Not retrofitted for it.

Under 5 second settlement

Programmatic identity

150+ local currencies

OTP-guarded transfers

Immutable audit trail

Simple, transparent fees

Infrastructure built for scale

How does BananaCrystal MCP work?

Fund your wallet

Trade USDC → USDb

Swap to any currency

Withdraw anytime

Get a free API key

Connect the MCP server

Configure scopes and limits

Agent transacts autonomously

Watch a payment happen in real time

Swap between 150+ currencies in seconds

What can AI agents do with BananaCrystal?

Why traditional payment rails fail AI agents

Your AI agent, now payment-capable.

From intent to settlement in seconds

How is agent payment security enforced?

Built on enterprise-grade infrastructure.

Agent payments meet the physical world.

How are teams using BananaCrystal MCP?

Everything you need to know about BananaCrystal

Download Mobile App

Your AI agent is one endpoint away from moving money

The Payment Layer
for
AI Agents

Built for the agent economy.
Not retrofitted for it.

Download
Mobile App