Core Concepts/How It Works

How It Works

MPPFinance connects your AI agent's on-chain wallet to a real-world Visa card network, with all spending rules enforced by the MPP protocol.

Overview

Every card is tied to a specific agent wallet and governed by a set of on-chain rules — including merchant restrictions, spend limits, and time-to-live. No rule can be bypassed, even by MPPFinance.

Flow

Fund wallet

Agent deposits SOL or ETH into a non-custodial MPP wallet it controls.

Issue card

Call client.issue() — the MPP protocol validates rules and creates a virtual Visa card in under 300ms.

Agent spends

The card is used at checkout. Each charge is validated against on-chain rules in real-time.

Settlement

Funds settle from the MPP wallet to the merchant via the card network. Webhooks fire on every event.