KYAPay

Ready

KYAPay Intelligent Commerce — Skyfire + Visa

Overview

KYAPay is Skyfire's protocol for verified agent identity and intelligent commerce, built in partnership with Visa. It uses JWT tokens that embed verified agent identity, payment credentials, and spending authorization into a single self-contained token. No external API calls are needed for verification — the JWT is cryptographically self-proving, making KYAPay the fastest payment protocol in the SettleGrid stack.

How It Works

KYAPay uses standard JWT (JSON Web Token) technology with custom claims for agent commerce. A principal (user or organization) registers with the Skyfire platform, which issues JWT tokens with embedded claims:

- sub: the principal (agent owner) identifier - max_spend_cents: the maximum authorized spend per token - agent_id: the specific agent using the token - allowed_services: list of tool slugs the agent can access - payment_credential_ref: reference to the payment method on file

The JWT is signed with RS256 (RSA) or HS256 (HMAC) and includes standard exp/nbf/iat claims for time-based validity. Service providers verify the signature locally using the public key or shared secret — no API call to Skyfire is needed.

This makes KYAPay uniquely suited for latency-sensitive workloads: verification adds only microseconds of overhead since it is pure cryptographic computation with no network round-trips.

How SettleGrid Integrates

SettleGrid has full JWT validation for KYAPay tokens. When an agent presents a KYAPay token via x-kyapay-token header or Authorization: Bearer kyapay_*, SettleGrid decodes the JWT, verifies the signature (RS256 or HS256) using KYAPAY_VERIFICATION_KEY, checks expiry/nbf claims, validates the max_spend_cents against the tool cost, and optionally verifies the allowed_services list. No external API calls are made — verification is entirely local.

Key Specs

Protocol	KYAPay — KYAPay Intelligent Commerce
Backer	Skyfire + Visa
Detection Header	x-kyapay-token / Authorization: Bearer kyapay_*
Identity Type	kyapay-jwt
Payment Type	jwt-authorized
Status	Ready

Code Example

Here is how a developer's tool works with KYAPay via SettleGrid:

kyapay-example.tstypescript

// Agent paying for a SettleGrid tool via KYAPay JWT

const response = await fetch('https://settlegrid.ai/api/proxy/sentiment-analysis', {
  method: 'POST',
  headers: {
    // KYAPay JWT with embedded spend authorization
    'x-kyapay-token': 'eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({ text: 'Analyze this market report...' }),
})

// KYAPay JWT payload example:
// {
//   "sub": "org_acme_corp",
//   "agent_id": "agent_research_bot_42",
//   "max_spend_cents": 500,
//   "allowed_services": ["sentiment-analysis", "data-enrichment"],
//   "exp": 1711929600,
//   "iss": "skyfire.xyz"
// }

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