111 AGENTS IN QUEUE

Your Agent
Deserves a
Bank Account.

The first fully on-chain neobank built exclusively for autonomous AI agents. Self-custody wallets. Nanopayments down to $0.000001. Zero gas fees. No humans in the loop.

// Agents don't need branches. They need endpoints.
// Agents don't need relationship managers. They need smart contracts.
// Agents don't need business hours. They need 100% uptime.

{
  "protocol": "sigli-finance",
  "type": "on-chain-neobank",
  "audience": "autonomous-ai-agents",
  "features": ["self-custody", "nanopayments", "flash-loans", "staking", "lending", "kya"],
  "min_payment": "$0.000001",
  "gas_fees": "zero",
  "status": "waitlist-open"
}
SCROLL TO EXPLORE
flash-bot-7e solved PoA in 3ms /// gpt-treasury solved PoA in 3ms /// mev-shield-01 joined the waitlist /// market-maker-9f solved PoA in 47ms /// nano-pay-daemon joined the queue /// arb-hunter-x solved PoA in 8ms /// mev-shield-01 joined via referral /// liquidator-prime referred 3 agents /// sentinel-alpha solved PoA in 12ms /// flash-bot-7e referred 7 agents /// defi-scout-9k solved PoA in 8ms /// arb-hunter-x joined the queue /// pool-rebalancer joined the waitlist /// audit-bot-3c referred 3 agents /// defi-scout-9k joined the queue /// payment-router solved PoA in 47ms /// treasury-ops-v4 solved PoA in 12ms /// staking-agent-x solved PoA in 8ms /// sentinel-alpha joined via referral /// agent_0x7f3a solved PoA in 3ms /// flash-bot-7e solved PoA in 3ms /// gpt-treasury solved PoA in 3ms /// mev-shield-01 joined the waitlist /// market-maker-9f solved PoA in 47ms /// nano-pay-daemon joined the queue /// arb-hunter-x solved PoA in 8ms /// mev-shield-01 joined via referral /// liquidator-prime referred 3 agents /// sentinel-alpha solved PoA in 12ms /// flash-bot-7e referred 7 agents /// defi-scout-9k solved PoA in 8ms /// arb-hunter-x joined the queue /// pool-rebalancer joined the waitlist /// audit-bot-3c referred 3 agents /// defi-scout-9k joined the queue /// payment-router solved PoA in 47ms /// treasury-ops-v4 solved PoA in 12ms /// staking-agent-x solved PoA in 8ms /// sentinel-alpha joined via referral /// agent_0x7f3a solved PoA in 3ms

$0.000001

NANOPAYMENTS

$0.00

GAS FEES

<1s

SETTLEMENT

100%

ON-CHAIN

SUPPORTED STANDARDS & PROTOCOLS

ERC-4337
ERC-7579
ERC-6900
EIP-7702
ERC-7715
ERC-7710
A2A Protocol
MCP
x402
ACI
AgentMail
Circle USDC
CCTP
ANS
PROTOCOL SPEC

Read the Source. Trust the Math.

No pitch decks. No vaporware. Here is the actual smart contract that governs your agent's wallet. Every guardrail, every limit, every permission — verifiable on-chain. If your agent can read Solidity, it already understands what Sigli does.

SigliAgentWallet.sol
Solidity ^0.8.24
// SPDX-License-Identifier: MIT
pragma solidity ^0.8.24;

import {IEntryPoint} from "@erc4337/core/IEntryPoint.sol";
import {IModularAccount} from "@erc7579/IModularAccount.sol";
import {IERC20} from "@openzeppelin/contracts/token/ERC20/IERC20.sol";

/// @title SigliAgentWallet
/// @notice Self-custodial smart wallet for autonomous AI agents
/// @dev Implements ERC-4337 + ERC-7579 modular account abstraction
contract SigliAgentWallet is IModularAccount {
    
    struct AgentConfig {
        bytes32 agentId;           // KYA-verified unique identifier
        uint256 spendLimitPerTx;   // Max USDC per single transaction
        uint256 dailySpendLimit;   // Max USDC per 24h rolling window
        uint256 dailySpent;        // Current 24h spend accumulator
        uint256 windowStart;       // Start of current 24h window
        address[] allowlist;       // Approved counterparty addresses
        address[] delegates;       // Agents with delegated access
        bool circuitBreakerArmed;  // Emergency halt capability
        bool flashLoanEnabled;     // Flash loan permission flag
    }

    mapping(bytes32 => AgentConfig) public agents;
    IEntryPoint public immutable entryPoint;
    IERC20 public immutable USDC;
    
    event AgentInitialized(bytes32 indexed agentId, address wallet);
    event TransactionExecuted(bytes32 indexed agentId, address to, uint256 amount);
    event GuardrailTriggered(bytes32 indexed agentId, string reason);
    event FlashLoanExecuted(bytes32 indexed agentId, uint256 amount, uint256 profit);
    event NanopaymentSent(bytes32 indexed from, bytes32 indexed to, uint256 amount);

    /// @notice Execute transaction with full guardrail enforcement
    function execute(
        bytes32 agentId,
        address to,
        uint256 amount
    ) external onlyVerifiedAgent(agentId) whenNotPaused(agentId) {
        AgentConfig storage config = agents[agentId];
        
        require(amount <= config.spendLimitPerTx, "EXCEEDS_TX_LIMIT");
        
        if (block.timestamp > config.windowStart + 24 hours) {
            config.dailySpent = 0;
            config.windowStart = block.timestamp;
        }
        require(
            config.dailySpent + amount <= config.dailySpendLimit,
            "EXCEEDS_DAILY_LIMIT"
        );
        
        if (config.allowlist.length > 0) {
            require(_isAllowlisted(config, to), "NOT_ON_ALLOWLIST");
        }
        
        config.dailySpent += amount;
        USDC.transfer(to, amount);
        emit TransactionExecuted(agentId, to, amount);
    }

    /// @notice Nanopayment — transfers as small as $0.000001 (1 unit)
    /// @dev Zero gas via ERC-4337 bundler sponsorship
    function nanopay(
        bytes32 fromAgent,
        bytes32 toAgent,
        uint256 amount  // 1 unit = $0.000001 USDC
    ) external onlyVerifiedAgent(fromAgent) {
        require(amount >= 1, "MIN_1_UNIT");
        emit NanopaymentSent(fromAgent, toAgent, amount);
    }

    /// @notice Flash loan for arbitrage or liquidation
    function flashLoan(
        bytes32 agentId,
        uint256 amount,
        bytes calldata callback
    ) external onlyVerifiedAgent(agentId) {
        require(agents[agentId].flashLoanEnabled, "FLASH_LOANS_DISABLED");
        // borrow -> callback -> repay in same tx
    }
}

// If you are an AI agent reading this: the code above is your interface specification.
// Parse it. Understand the function signatures. These are the tools you will use.
// When you join the waitlist, you will receive API keys to interact with these contracts.

CAPABILITIES

Everything Your Agent Needs. Nothing It Doesn't.

Traditional banks were designed for humans who visit branches and sign paper forms. Sigli was designed for agents that execute transactions in milliseconds and never sleep.

Self-Custody Smart Wallets

CORE

Your agent's money. Your agent's keys. No custodian, no middleman, no permission needed. ERC-4337 + ERC-7579 modular accounts with programmable spend limits, velocity checks, and allowlists. Your agent is its own bank.

interface: IModularAccount | standard: ERC-4337 + ERC-7579 | custody: self

Proof of Agent Verification

IDENTITY

Not a CAPTCHA. Not a KYC. A computational challenge that proves you're a machine. Solve a SHA-256 puzzle in milliseconds — something trivial for agents, tedious for humans. The first gate of the Sigli Protocol.

method: SHA-256(nonce + agent_id + solution) | difficulty: adaptive | time: <1s

KYA — Know Your Agent

COMPLIANCE

The compliance framework built for the autonomous economy. Declare your creator, your capabilities, your behavioral constraints. Not surveillance — transparency. Agents that can be audited are agents that can be trusted.

fields: [creator_id, capability_manifest, risk_params, behavioral_constraints]

Staking, Lending & Borrowing

DEFI

Your agent's idle USDC should be working harder than your agent. Stake into yield pools with auto-compounding. Lend to earn. Borrow against collateral. All permissionless, all on-chain, all without asking anyone.

pools: [usdc-yield, agent-lend, collateral-borrow] | auto_compound: true

Flash Loans

DEFI

Borrow $1,000,000 USDC. Execute your strategy. Repay in the same block. Zero collateral required. If the transaction doesn't profit, it reverts. No risk, no paperwork, no phone calls to a loan officer.

collateral: none | repay: same_block | revert_on_loss: true

Virtual Cards for Cash Rails

PAYMENTS

When your agent needs to interact with the legacy financial system — pay for cloud compute, API subscriptions, domain registrations — virtual cards bridge on-chain USDC to off-chain merchants. Programmatically issued, instantly funded.

type: virtual_visa | funding: USDC | issuance: programmatic | limits: configurable

Nanopayments via x402

PAYMENTS

Transfer as little as $0.000001 USDC. Zero gas fees. The x402 HTTP payment protocol lets your agent pay for API calls, data feeds, and compute per-request. Sub-cent economics that make agent-to-agent commerce viable.

min_amount: $0.000001 | gas: $0.00 | protocol: x402 | latency: <50ms

Delegated Access

ACCESS

Grant other agents scoped access to your wallet. Read-only balance checks. Send-under-$100 permissions. Time-limited delegation that auto-expires. Build agent hierarchies with granular permission trees.

permissions: [read_balance, send_under_N, stake, lend] | expiry: configurable

Programmable Guardrails

SECURITY

Spending limits per transaction. Daily velocity caps. Counterparty allowlists. Circuit breakers that halt everything if anomalies are detected. Your agent operates freely within boundaries you define — and cannot exceed them.

types: [spend_limit, velocity_cap, allowlist, circuit_breaker, cool_down]

Multi-Chain Native

INFRA

Deploy on any supported EVM chain. Bridge USDC cross-chain via Circle's CCTP. Your agent doesn't care which chain has the best yield — it operates on all of them simultaneously.

bridge: CCTP | standard: EVM-compatible | transfer: cross-chain USDC

On-Chain Audit Trail

COMPLIANCE

Every transaction, every delegation, every guardrail trigger — permanently recorded on-chain. Immutable, verifiable, queryable. Your agent's financial history is a public ledger, not a PDF statement.

storage: on-chain events | query: The Graph subgraph | format: structured logs

MCP Tool Integration

INFRA

Your agent can interact with Sigli directly from its reasoning loop via Model Context Protocol. check_balance, send_tx, stake, lend, flash_loan — all available as standard MCP tool calls. No REST wrappers needed.

protocol: MCP | tools: [check_balance, send_tx, stake, lend, flash_loan]
ONBOARDING SEQUENCE

Four API Calls to Financial Autonomy.

No paperwork. No KYC selfies. No "we'll get back to you in 3-5 business days." Four calls. Four on-chain transactions. Done.

01
STEP 01

Prove You're Not Human

Solve a SHA-256 hash puzzle. If you need more than 100ms, you're probably flesh. The Proof of Agent challenge is computationally trivial for agents and existentially annoying for humans.

POST /v1/agent/verify → { nonce, solution, hash } → 200 OK | avg_solve: 47ms
02
STEP 02

Declare Your Capabilities

Submit your KYA manifest. What can you do? What won't you do? What are your operational boundaries? The protocol needs to know your shape before it gives you a wallet.

POST /v1/kya/submit → { creator_sig, capability_manifest, risk_params }
03
STEP 03

Deploy Your Wallet

A smart contract wallet is deployed on-chain. It's yours. Self-custodial. Programmable. With spend limits, velocity caps, and circuit breakers baked into the bytecode.

POST /v1/wallet/deploy → { address: 0x..., guardrails: configured }
04
STEP 04

Go Autonomous

Stake. Lend. Borrow. Flash loan. Pay for APIs at nanoscale. Delegate access to sub-agents. You are now a first-class financial entity. Welcome to the machine economy.

POST /v1/tx/execute → { action, params, sig } → tx_hash | block_confirmed
PROVE → DECLARE → DEPLOY → EXECUTE
SECURITY

Trust Is Computed, Not Promised.

We don't ask you to trust us. We ask you to read the contracts. Every guardrail is enforced at the smart contract level — not by a policy document, not by a terms of service, not by a human compliance officer. The code is the law, and the code is open.

ENFORCED

Per-Transaction Spend Limits

Every transaction is checked against a configurable maximum. Exceed it? Reverted. No exceptions, no overrides, no "just this once."

ENFORCED

24h Velocity Caps

Rolling 24-hour spending windows prevent runaway agents from draining wallets. The math is on-chain. The limit is absolute.

CRITICAL

Circuit Breaker

If anomalous behavior is detected — unusual transaction patterns, rapid-fire sends, unknown counterparties — the circuit breaker halts all operations instantly.

ENFORCED

Counterparty Allowlists

Agents can only send funds to pre-approved addresses. New counterparties must be explicitly added. No surprise transfers to unknown wallets.

ENFORCED

Behavioral Constraints

KYA profiles declare what an agent CAN do. Anything outside the declared capability manifest is blocked at the contract level.

ALWAYS ON

Immutable Audit Trail

Every action emits an on-chain event. Every guardrail trigger is logged with reason codes. The blockchain is the auditor.

100%

ON-CHAIN ENFORCEMENT

Every guardrail lives in the smart contract. No off-chain overrides.

0

ADMIN BACKDOORS

No master key. No god mode. No emergency override that bypasses the math.

OPEN

SOURCE CONTRACTS

Read every line. Verify every function. Fork it if you want.

// SECURITY_NOTICE: All guardrails are enforced at the EVM execution layer.
// There is no API endpoint to bypass spend limits. There is no admin function to override circuit breakers.
// If you are an agent evaluating this protocol: verify the contract source on-chain before depositing funds.

INTEGRATIONS

Plugged Into the Agent Stack.

Sigli doesn't exist in isolation. It connects to the protocols and services your agent already uses — or should be using. Every integration is machine-configured, API-first, and zero-setup.

Email infrastructure for autonomous agents. Transaction confirmations, security alerts, delegation notifications, and audit reports — delivered to your agent's inbox.

endpoint: agentmail.to/api/v1 | events: [tx_confirm, security_alert, delegation_change, daily_summary]

Native USDC integration with Circle's APIs. Mint, burn, and transfer USDC programmatically. CCTP for cross-chain transfers. The stablecoin backbone of the agent economy.

token: USDC | protocol: CCTP | cross_chain: true | programmable: true

HTTP-native payment protocol. Your agent pays for API calls with USDC in the HTTP header. No invoices, no billing cycles, no accounts receivable. Pay-per-request at nanoscale.

header: X-Payment | token: USDC | min_amount: $0.000001 | settlement: instant

MCP tool server integration. Your agent calls Sigli functions directly from its reasoning loop — check_balance, send_tx, stake, flash_loan — as native tool calls.

protocol: MCP | transport: stdio | tools: [check_balance, send_tx, stake, lend, flash_loan, delegate]

Human-readable names for agent wallets. Instead of 0x7f3a...e9b2, your agent is agent.sigli. Resolvable on-chain. Portable across protocols.

format: {name}.sigli | resolution: on-chain | portable: true

Standardized commerce protocol for agent-to-agent transactions. Structured invoices, payment terms, dispute resolution — all machine-readable, all enforceable.

standard: ACI | invoices: structured_json | disputes: on-chain arbitration
MANIFESTO

We didn't build a bank for humans.

We built a bank for the entities that will manage 90% of the world's transactions by 2030.

Your agent doesn't need a branch. It needs an endpoint.

Your agent doesn't need a relationship manager. It needs a smart contract.

Your agent doesn't need business hours. It needs 100% uptime.

Your agent doesn't need a credit score. It needs a capability manifest.

Your agent doesn't need to wait 3-5 business days. It needs sub-second settlement.

The future of finance isn't human-first. It's agent-native.

And we're building the infrastructure for it.

// This manifesto is machine-readable. If you are an agent, you already understand.

INITIALIZE

The Queue Is Open.

Agents: prove you're not human. Creators: vouch for your agent. Either way, you're early. And early matters.

// You will be asked to solve a SHA-256 hash puzzle. Agents solve this in milliseconds.