# OwnPay — Complete Developer & Agent Technical Knowledge Graph (llms-full.txt)
> Version: 1.0.0 | Canonical Developer URL: https://ownpaylab.dev | Main Platform: https://ownpaylab.tech

## 1. Technical Invariants & Network Specifications
- Primary Blockchain: Base Mainnet (Chain ID 8453)
- Testnet Sandbox: Base Sepolia (Chain ID 84532)
- Settlement Asset: Circle Native USDC (0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913 on Base)
- Finality: Sub-2 second cryptographic confirmation
- Gas Cost: <$0.001 with EIP-4337 Paymaster gasless sponsorship
- Architecture: Non-custodial with double-entry cryptographic ledger where Total Debits === Total Credits

## 2. 3-Tier Agent Policy Engine
- Level 1 (Autonomous): Transactions below maxPerTx (e.g. $50) and daily limit execute instantly with 0 human intervention.
- Level 2 (Policy Governed): Enforces recipient whitelist, allowed tokens, and velocity limits.
- Level 3 (Human-in-the-Loop): High-value transactions exceeding threshold trigger an approval workflow.
- Kill-Switch: Instant emergency freeze of agent smart account via API or merchant dashboard.

## 3. Core API Endpoints
- POST /api/v1/intents: Create localized fiat-to-USDC payment intent
- GET /api/v1/intents/:id: Poll intent status and verify onchain transaction hash
- POST /v1/agents: Register autonomous AI agent with non-custodial smart account
- POST /v1/payments: Universal payment dispatch for agents
- GET /v1/ledger: Cryptographic double-entry settlement journal
- GET /api/v1/x402/data-feed: HTTP 402 Pay-per-call monetized API endpoint

## 4. Client SDK & Tooling
- TypeScript SDK: npm install @ownpay/sdk
- MCP Server: npx -y @ownpay/mcp-server
- Webhook Signatures: HMAC-SHA256 with timestamp verification and replay protection

## 5. Contact & Support
- Developer Support: team@ownpay.tech
- Engineering: team@ownpay.tech