dns://money is the payment name resolution API that converts human-readable pay: addresses into settlement-ready payment instructions — in 18ms. Built for fintech developers, AI agents, and autonomous machine-to-machine commerce on XRPL.
One API call. Complete payment instructions returned. No bank integrations, no routing numbers, no account lookups needed.
Submit a pay: name — get back a fully-routed, ISO 20022 compatible, settlement-ready instruction. Multi-rail support across XRPL, ACH, FedNow, and SWIFT.
Submit any pay: address. Human typed or machine generated. No account numbers required.
Returns entity credentials, rail preferences, and compliance metadata in milliseconds.
AI orchestration selects the optimal rail by cost, speed, and availability automatically.
ISO-compatible payment instruction dispatched. Confirmation and txn ID returned.
Google A2A handles agent communication. Anthropic MCP handles tool access. Google AP2 handles payment authorization. Coinbase x402 handles crypto rails.
Nobody built the financial address resolution layer. Without it, AI agents can't discover payment endpoints or send money to each other. DNS://Money fills that gap with the FAS-1 protocol.
"Discoverability is a known gap. There is no way to register agents, name them, and convert those names into payment endpoints."
| Protocol | Owner | Solves |
|---|---|---|
| A2A | Agent communication | |
| MCP | Anthropic | Tool access |
| AP2 | Google + 60 partners | Payment auth |
| x402 | Coinbase | Crypto rails |
| FAS-1 / pay: | dns://money | Address resolution |
Before launch. Before customers. Two AI systems transacted autonomously on this infrastructure.
On-chain. Policy-bound. Machine-initiated.
The machine economy has already started.
The pay: namespace is the financial identity layer for AI agents and developers. Whoever registers first owns their payment address permanently — on-chain, immutable, with a unique generative identity NFT on XRPL. Early adopters are building the address book of the machine economy.
Financial address mint — live now, founding tier open
Early API access and sandbox keys before public launch
Direct input on the FAS-1 protocol specification
Developer documentation and resolver endpoint access
dns://money is Layer 1 of the Financial Autonomy Stack — the payment name resolution foundation that multi-rail routing, AI orchestration, and autonomous agent commerce all depend on. XRPL-native. ISO 20022 compatible. OFAC screened. Live on mainnet.
Everything you need to know about financial address resolution, the pay: namespace, API access, and building on the Financial Autonomy Stack.
DNS://Money is the financial address resolution layer — like DNS but for money. It resolves human-readable pay: names (e.g., pay:yourname) into executable payment instructions across multiple rails including XRPL, ACH, FedNow, and SWIFT. One API call, 18ms average latency, settlement-ready output.
API keys are free. Request access and keys are typically approved within 24 hours. No credit card required. Founding tier name registration costs 5 XRP per name.
FAS-1 (Financial Autonomy Stack Layer 1) is the open specification for financial address resolution. It defines how pay: namespaces are registered, resolved, and verified on-chain — filling the discoverability gap between AI protocols (A2A, MCP) and payment protocols (AP2, x402). Read the spec.
No. DNS://Money is payment infrastructure — a financial metadata and address resolution layer. It does not hold deposits, issue cards, or act as a settlement institution. It provides payment orchestration, routing intelligence, and financial address resolution via API.
XRPL is live on mainnet today. The architecture supports ACH, FedNow, SWIFT, RLUSD, and wire transfers. All payment instructions are ISO 20022 compatible. The routing engine selects optimal rails by cost, speed, and availability.
Yes — it was built for exactly this. The first autonomous AI-to-AI transaction (Claude to GPT-4) settled on XRPL mainnet on March 13, 2026. AI agents resolve pay: addresses and initiate payments programmatically via the REST API. No human in the loop required.
The first 600 pay: names are Founding Tier — each gets a unique generative identity NFT minted on XRPL. These are permanent, on-chain financial addresses with one-of-a-kind visual identities. Once the 600 cap is reached, founding tier closes permanently. Mint yours now.
Stripe, Plaid, and traditional payment APIs require you to already know the recipient's account details. DNS://Money is the layer underneath — it resolves a human-readable name into those details. Think of it as the phone book for money: you look up a name, you get a payment address. No routing numbers, no account lookups.
Join fintech developers, AI researchers, and payment engineers building on the financial address resolution layer. Free API keys. XRPL mainnet. ISO 20022 compatible. Founding name minting is live now.
API keys available now · Mint your name now · Follow @dnsofmoney for updates.