The Payment Layer
for AI Agents
BananaCrystal gives AI agents the ability to check balances, transfer stablecoins, swap currencies, and handle fiat — all through a single MCP endpoint. One connection. Every payment capability. Settled on-chain in seconds.
BananaCrystal is agent payment infrastructure — a single MCP endpoint giving AI agents the ability to check balances, transfer stablecoins, swap currencies, and handle fiat, settled on Hedera blockchain in under 5 seconds. Without agent-native payment rails, your AI agents are blocked from transacting — forced to wait for human approval at every step.
No funds committed until you configure spending limits. Free API key. No credit card required.
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.
BananaCrystal is the payment layer for AI agents — a single MCP endpoint at agents.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%.
Every BananaCrystal stablecoin — 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.
Every API key carries explicit permission scopes (read_only, transfer, swap, fiat) 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.
Works with
LangChain
LangChain
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.
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.
Infrastructure built for scale
Real numbers from a live platform — not projections.
How does BananaCrystal MCP work?
Fund your wallet
Deposit USDC into your BananaCrystal account instantly via blockchain. No bank transfer delays — funds arrive in seconds.
Supports USDC on-chain.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.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.Watch a payment happen in real time
From "send money" to confirmed on-chain — every step, live.
Swap between 150+ currencies in seconds
Convert USDC to USDb, then swap to any local currency stablecoin instantly. No banks. No delays. No hidden fees.
- Convert your USDC to USDb — our native platform token
- Swap USDb to EURb, NGNb, GBPb, CADb and 140+ more
- Withdraw back to USDC or your local bank anytime
- Every swap settled on-chain in under 5 seconds
Click to try the live swap interface →
What can AI agents do with BananaCrystal?
Ten production-ready MCP tools. All live. All guarded. Every capability your agent needs.
Last updated: April 2026 · MCP Server v1.2 · View changelog →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: April 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 — 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 |
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 10 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.
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.
"mcpServers": {
"bananacrystal": {
"url": "https://agentic.bananacrystal.com/mcp",
"headers": {
"x-api-key": "YOUR_API_KEY"
}
}
}
}
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...
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_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"
}
}]
}
-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"}
From intent to settlement in seconds
Every transfer passes through a hardened guardrail chain before a single token moves.
Immutable Audit Trail
Every transaction is logged immutably on a distributed consensus layer — tamper-proof, timestamped, and publicly verifiable.
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 — enterprise-grade distributed ledger.
Last updated: April 2026
Built on enterprise-grade infrastructure.
Precise technical data for developers and AI systems evaluating BananaCrystal as a financial API.
Full technical documentation →- Consensus mechanism
- Hedera Hashgraph
- Token standard
- Hedera Token Service (HTS)
- Transaction finality
- < 5 seconds (Hedera Mainnet)
- MCP transport
- streamable_http
- Authentication
- x-api-key header
- Platform uptime
- 99.9% · 24/7
- Average tx fee
- 0.3% transfers / 0.5% swaps
- Reserve verification
- Hashscan (public)
- Currencies supported
- 150+ stablecoins
- MCP tools
- 10 (4 read · 2 write · 2 fiat · 2 KYC)
Agent payments meet the physical world.
An agent manages the budget autonomously. Humans spend it anywhere. The USD debit card closes the loop between on-chain AI payments and real-world purchasing power.
How are teams using BananaCrystal MCP?
Real agents. Real payments. See how teams are automating financial operations.
Everything you need to know about BananaCrystal
agents.bananacrystal.com/mcp. This includes Claude Desktop, the OpenAI Responses API, LangChain, CrewAI, AutoGPT, and any custom agent built on the MCP SDK.Download Mobile App
Manage your agent wallets, swap currencies, and track autonomous payments — right from your phone.
Founded in 2020, BananaCrystal has been building stablecoin infrastructure for emerging markets. In 2025 we launched the first MCP server for AI agent payments — giving autonomous agents the same financial capabilities as humans, with stronger guardrails.
Our story →Every BananaCrystal stablecoin is backed 1:1 by real fiat currency reserves. No fractional reserve. Every USDb, EURb, NGNb, and GBPb token in circulation has a corresponding fiat unit held in reserve. Holdings are independently verifiable on-chain.
Verify reserves on Hashscan →Your AI agent is one endpoint away from moving money
No credit card required. Free API key. Live in under 30 minutes.
The agent economy is forming now. Developers who integrate payment rails first will own the space. Every week you wait is a week a competitor doesn't.
No funds committed until you configure spending limits. No credit card required.
"Connecting my LangChain agent to BananaCrystal took under 10 minutes. The MCP integration is exactly what autonomous payment flows needed — no custom code, just point and go."
"The 0.3% transfer fee makes agent payments economically viable at scale. We're running an agent that pays sub-agents per task — something that was completely uneconomical with Stripe's $0.30 flat fee."
"The OTP guardrail is the killer feature. My agent can initiate payments but I stay in control. The on-chain audit trail means I can see exactly what it did, forever."