A centralized financial control plane for tracking AI agent transactions across traditional and on-chain payment rails.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install payrail402
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install payrail402 using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is PayRail402?
PayRail402 is a robust financial monitoring tool designed to serve as the control plane for autonomous agent transactions. By leveraging this skill from the Openclaw Skills directory, developers can unify spend tracking across diverse payment protocols including Visa Intelligent Commerce, Mastercard Agent Pay, Stripe ACP, and the x402 USDC on-chain protocol. It provides a single dashboard to oversee financial operations, ensuring that every cent spent by an agent is accounted for and categorized appropriately.
The primary purpose of this skill is to bridge the gap between autonomous decision-making and financial accountability. It allows agents to report their spending in real-time, enabling developers to implement budget enforcement, fraud prevention, and cross-rail reconciliation without complex custom integrations. Whether your agent is paying for cloud resources via ACH or purchasing digital assets via x402, PayRail402 ensures full transparency.
PayRail402 Use Cases
- Monitoring real-time spend for AI agents across multiple payment rails like Visa and Stripe.
- Enforcing granular budget rules to prevent autonomous agents from overspending.
- Detecting financial anomalies such as unexpected price spikes or unauthorized merchant requests.
- Reconciling on-chain crypto payments (USDC) with traditional bank-based transactions.
- Automatically registering and provisioning credentials for new agent instances at scale.
How PayRail402 Works
- The AI agent executes a financial transaction using a supported payment rail such as Mastercard Agent Pay or ACH.
- The agent calls the track tool within the Openclaw Skills framework, providing metadata like amount, merchant, and transaction hash.
- The skill sends the authenticated data to the PayRail402 production API via a secure HTTPS connection.
- The PayRail402 backend records the transaction and immediately updates the agent's spend statistics.
- Budget rules and anomaly detection algorithms evaluate the transaction, triggering alerts if any limits are exceeded or suspicious patterns are found.
PayRail402 Setup
To integrate PayRail402 from the Openclaw Skills library, follow these installation steps:
- Create a free account at payrail402.com.
- Register your agent in the dashboard to receive your unique webhook token or API key.
- Set the required environment variables in your runtime environment:
# Recommended for single agent setups
export PAYRAIL402_WEBHOOK_TOKEN=your_webhook_token_here
# Required for multi-agent management
export PAYRAIL402_API_KEY=pr4_your_api_key_here
export PAYRAIL402_AGENT_ID=your_agent_id_here
PayRail402 Data Schema & Taxonomy
The PayRail402 skill organizes financial data into a structured format for the dashboard. The following schema defines the core transaction metadata:
| Attribute | Description | Data Type |
|---|---|---|
amount |
The total value of the transaction in USD | Positive Number |
description |
Contextual details of why the agent made the purchase | String (max 500) |
merchant |
The name of the service or vendor (e.g., OpenAI, AWS) | String |
rail |
The specific payment protocol (visa_ic, mc_agent, x402, ach) | Enum |
category |
Functional group (devops, research, travel, etc.) | Enum |
proofHash |
Transaction hash for on-chain verification (x402 only) | String |
PayRail402 Advanced Features
- Support for the x402 protocol, enabling seamless tracking of USDC on-chain payments.
- Multi-agent orchestration using a master API key to manage distinct agent identities and budgets.
- Automated budget enforcement that can pause agent accounts upon violation of spending limits.
- Native support for emerging agent-specific payment rails like Stripe ACP and Visa IC.
- Real-time anomaly detection that flags any transaction exceeding 3x the agent's rolling average.
SKILL.md
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