Now with Marketplace + Compliance + OEM

Settlement OS for AI Agents

Cross-facilitator observability for x402, MPP & AP2 payments. Track every transaction, reconcile on-chain, monetize your endpoints — all without ever touching funds or keys.

Start Free — No Card Required Read Docs
Non-custodial — never touches funds On-chain reconciliation Open-source observer SDK Live in minutes, not weeks
app.harpd.com/overview
Today SpendLive USDC volume
Today CallsEvery agent call
Active AgentsYour AI agents
AnomaliesFlagged instantly
Settlement Volume (USDC) Tracked in real time
Budget Alert
Per-agent budget alerts
New Endpoint
List endpoints in the Marketplace
Reconciled
Reconciled on-chain
About this page

How to use this page

  • Skim the hero to understand what Harpd does in one line.
  • Use Start Free to create an account, or Read Docs to self-serve.
  • Explore the product sections — Protocols, Features, Marketplace — and open the FAQ for common questions.

What you'll find here

  • A capability overview, a live dashboard preview, supported protocols and facilitators, feature breakdown, marketplace samples, and a FAQ.

One Platform, Every Protocol

x402, MPP, AP2 — unified observability above any facilitator. No vendor lock-in.

x402

HTTP 402 Payment Required — the native web standard for machine payments.

  • Native HTTP integration
  • Facilitator-agnostic
  • Works with any EVM chain
Learn more →

MPP

Multi-Party Payments — session-based payments for complex multi-agent workflows.

  • Session-based budgets
  • Mandate management
  • Reservation & settlement
Learn more →

AP2

Agent Payment Protocol v2 — recurring mandates, dispute resolution, enterprise-grade.

  • Recurring mandates
  • Dispute resolution
  • Enterprise compliance
Learn more →

Works with Every Facilitator

We sit above the facilitator layer — aggregating, reconciling, and scoring across all of them.

Don't see yours? Request a facilitator integration — we add new ones weekly.

Built for Production AI Agents

From prototype to platform — everything you need to ship, monitor, and monetize agent payments.

Real-Time Observability

Live dashboard with WebSocket updates. See every payment event across all facilitators the moment it happens.

  • Sub-second event ingestion
  • Per-agent & per-endpoint breakdown
  • Settlement status tracking
  • Anomaly detection (spikes, dead endpoints, concentration)

On-Chain Reconciliation

Automatic verification against Ethereum, Base, Arbitrum, Polygon + more. Never trust the facilitator — verify on-chain.

  • eth_getTransactionReceipt verification
  • Mismatch detection & alerting
  • Confirmation latency tracking
  • Sweep API for bulk reconciliation

Budget Engine & Approvals

Hard limits per agent, session, or mandate. Human-in-the-loop approval for large payments — before they settle.

  • Daily/monthly budgets per agent
  • 80%/100% alert thresholds
  • Approval queue for large payments
  • Session/mandate reservations (MPP/AP2)

Marketplace: Monetize Your Endpoints

List your x402/MPP/AP2 endpoints in the neutral directory. Buyers discover by quality score — you get paid automatically.

  • Cross-tenant discovery
  • Quality scores from real usage
  • 10% revenue share, Stripe Connect payouts
  • Featured slots for visibility

Enterprise Compliance

VAT calculation, fiat invoicing, expense categorization, audit-ready exports — built for finance teams.

  • Multi-jurisdiction VAT rates
  • Automated invoice generation
  • Expense categories & GL codes
  • Tamper-evident audit exports

White-Label & OEM

Resell Harpd as your own observability layer. Custom domain, branding, partner revenue share — your customers never know we exist.

  • Full white-label (logo, colors, domain)
  • Sub-tenant provisioning via API
  • Configurable revenue share (default 20%)
  • Partner dashboard & analytics

The Neutral Endpoint Directory

Discover, compare, and monetize agent-payable endpoints. Quality scored on real usage across all Harpd tenants.

x402 data Featured

Weather API Pro

Real-time weather data for any coordinate — sample listing.

Calls2.3M
Spend$4,821
Reliability99.8%
Latency187ms
$0.001/call View details
MPP compute Verified

LLM Inference Cluster

Distributed LLM inference with session-based billing. Supports Llama-3, Mixtral, custom models.

Calls847K
Spend$12,450
Reliability99.2%
Latency1.2s
$0.0008/token View details
AP2 finance

KYC Verification

Automated KYC/AML checks for agent onboarding. Mandate-based recurring verification.

Calls156K
Spend$7,89
Reliability100%
Latency2.1s
$0.05/check View details
Explore Marketplace →

Ready to Ship Production Agent Payments?

Join 100+ teams building on Harpd. Free tier includes 10K events/month — no credit card required.

Start Free Read Docs

Questions? Talk to our team or join Discord

Frequently asked questions

What is Harpd?
Harpd is the Settlement OS for AI agents — a non-custodial control plane that observes, reconciles, and helps you monetize machine-to-machine payments across x402, MPP, and AP2 facilitators. It sits above the facilitator layer and never touches funds or private keys.
How does Harpd work?
You instrument your agents with the open-source @harpd/observe SDK. Harpd then aggregates every payment event, verifies settlement on-chain, enforces per-agent budgets, detects anomalies, and shows everything in a real-time dashboard — without ever custodies money.
Does Harpd hold my money or private keys?
No. Harpd is strictly non-custodial. It observes and reconciles payments but never custodies funds, signs transactions, or stores private keys. Settlement happens on-chain between your agents and the facilitator.
Which payment protocols does Harpd support?
x402 (HTTP 402 Payment Required), MPP (Multi-Party Payments), and AP2 (Agent Payment Protocol v2). Harpd unifies observability across all three.
Which blockchains and facilitators are supported?
Ethereum, Base, Arbitrum, Polygon, and other EVM chains. Facilitators include Coinbase, Stripe, Circle, Alchemy, AltLayer, and your own self-hosted facilitator.
Can I monetize my own endpoints?
Yes, via the Harpd Marketplace. List your x402/MPP/AP2 endpoints, get discovered by quality score, and receive payouts through Stripe Connect with a 10% revenue share.
Is the Harpd observer SDK open source?
The @harpd/observe observer SDK is open source. The dashboard and collector are commercial with a free tier of 10,000 events/month.
How much does Harpd cost?
There is a free tier with 10,000 events/month and no credit card required. Paid plans scale by event volume — see Pricing.