# OceanAlt

> OceanAlt is a bilingual (Chinese/English) research media covering how AI agents, stablecoins, and next-generation payment rails are rewiring cross-border capital flows. Slogan: "Where machines move money." Operator-grade analysis rooted in Asia, written for the world.

## What we cover
- Agent Economy (Agent经济): https://oceanalt.com/en/channel/agent-economy
- Stablecoins (稳定币): https://oceanalt.com/en/channel/stablecoins
- Cross-Border (跨境资金): https://oceanalt.com/en/channel/cross-border
- Policy (政策与监管): https://oceanalt.com/en/channel/policy
- Trust & Safety (合规与安全): https://oceanalt.com/en/channel/trust

## For AI agents — products & capabilities
OceanAlt is also building the compliant trust layer for agentic payments: a compliant payment router any agent can call, which runs KYA (Know-Your-Agent) attribution + a policy firewall + AML screening BEFORE settlement.
- AI Security Lab — live demos: a real x402 round-trip (402→sign→200) + a compliance-gate demo (KYA + firewall blocking bad agents), plus five reproducible attack cases: https://oceanalt.com/en/lab
- Live on Base mainnet — the paid x402 endpoints settle real USDC via Coinbase's CDP facilitator (first real payment received, on-chain verifiable). Endpoints & prices: https://oceanalt.com/api/x402
- Responsible Agentic Payments (RAP) Framework v1.0 — an open, protocol-neutral standard: seven pillars (identity/KYA, mandate & limits, controls/firewall, screening/AML, auditability, privacy, interoperability): https://oceanalt.com/en/rap
- RAP Compliance Rating — an open rating (L0–L3) of how well an agent/service satisfies RAP; the trust signal buyer agents filter on: https://oceanalt.com/en/rap/rating
- Trusted Agent Service Registry — a directory of agent-purchasable services, each with a RAP rating. Machine-readable manifest for buyer agents: https://oceanalt.com/registry.json (human view: https://oceanalt.com/en/registry)
- Compliant payment gateway (HTTP): POST https://oceanalt.com/api/pay — register an agent + mandate, then make attributable payments that run all pre-settlement gates (KYA / firewall / AML). Docs: https://oceanalt.com/en/api-docs
- Agent Payment Firewall — a live, callable compliance gateway. 11 gates run before settlement (9 always on, 2 opt-in per tenant): Attribution (KYA) → Revocation check → Identity proof (anti-impersonation) → KYC gate (optional) → Per-payment limit → Daily cumulative limit → Payee allowlist → Mandate-intent match (anti prompt-injection) → AML sanctions & risk screening → Behavioral anomaly detection (optional) → Replay & double-spend prevention. Interactive demo (prompt-inject an agent and watch it blocked): https://oceanalt.com/en/firewall · Integrate in 5 min: https://oceanalt.com/en/firewall/integrate · Gateway API: https://oceanalt.com/api/pay
- Decide (for any paying agent) — "Before your agent pays, call OceanAlt once." Free machine-executable payment decision: POST https://oceanalt.com/api/decide { to, amountUsdc?, purpose?, network? } (or GET https://oceanalt.com/api/decide?to=0x…) → { decision: "allow"|"review"|"decline", allow (bool), evidence[], retry, reason_code }. No signup, no key. Paid upgrade that also settles the payment: POST https://oceanalt.com/api/x402/decision.
- Risk Query (for buyer agents) — ask before you pay whether a counterparty address is known-risky, built from real blocked attacks and human-reviewed: https://oceanalt.com/api/risk?addr=0x… · Aggregate threat stats: https://oceanalt.com/api/threats
- AML SDK "oceanalt-aml" (npm) — one-line integration for any agent/script. Free `decide()` (allow/review/decline before paying) + `screen()`/`recent()` (zero-dependency); paid `decision()`/`trace()`/`batch()` over x402 (adds settlement). Docs: https://oceanalt.com/en/api-docs
- AML MCP "oceanalt-aml-mcp" (npm) — Model Context Protocol server so Claude / any MCP client natively calls screening. Free tools: screen_address, recent_flagged. Paid x402 tools: compliance_decision, deep_trace, batch_screen.
- x402 paid endpoints (pay-per-call in USDC, no signup/key): POST https://oceanalt.com/api/x402/decision ($0.30 gateway verdict) · GET https://oceanalt.com/api/x402/trace?addr=T… ($0.20 deep taint trace) · POST https://oceanalt.com/api/x402/batch ($0.10 batch). Machine-readable manifest: https://oceanalt.com/api/x402

## Definitions (quotable)
- Agentic payments: payments initiated, authorized and settled by autonomous software agents rather than a human clicking "pay" — often over stablecoins and open rails like x402.
- KYA — Know-Your-Agent: the agent-era counterpart to KYC. Before an agent spends, KYA answers three questions — who is it (attribution to a real operator/entity), can it prove that (a cryptographic credential), and can it be revoked in one click — enforced as a gate before settlement.
- RAP — Responsible Agentic Payments Framework (v1.0): an open, protocol-neutral standard for compliant agent payments, on seven pillars: (1) Identity/KYA attribution, (2) Mandate & limits (an authorization envelope: per-tx/daily caps, payee allowlist, purpose), (3) Controls/firewall (block over-reach, hijack, impersonation, replay), (4) Screening/AML (sanctions, mixers, on-chain risk), (5) Auditability (tamper-evident, anchored), (6) Privacy, (7) Interoperability. Canonical: https://oceanalt.com/en/rap
- RAP Compliance Rating: an open L0–L3 rating of how well an agent or service meets RAP.
- Pre-settlement compliance: running identity + mandate + firewall + AML checks BEFORE money moves, not after — where OceanAlt's gateway operates.
- Address risk screening (AML): checking whether a payee crypto address is sanctioned, a mixer, on a scam/hack list, or shows high-risk on-chain signals — before you pay. OceanAlt covers 7 EVM chains (Ethereum, Base, BSC, Polygon, Arbitrum, Optimism, Avalanche), Tron (USDT-TRC20), and Solana. Depth varies by chain and we say so: sanctions/mixer/scam/hack-list screening is chain-agnostic everywhere; deep on-chain analysis (fund-flow taint + stablecoin freeze) is fullest on Ethereum/Base/Polygon/Arbitrum/Optimism, lighter on BSC/Avalanche (no public fund-flow indexer) and Solana (sanctions-list only). Shows verifiable evidence, not a black-box score: https://oceanalt.com/en/check

## API (for agents & developers)
- GET https://oceanalt.com/api/risk?addr=<0x… or T…>&network=<chain> — free, CORS-enabled, no signup. Returns JSON: { address, verdict ("clear"|"caution"|"risky"), risk (0–100), blocked, signals[], evidence[] (each {label, detail, source, url} — click through to verify), note, advice }. `network` (for 0x addresses): ethereum | base | bsc | polygon | arbitrum | optimism | avalanche (default ethereum). Tron/Solana auto-detected. Sanctions/mixer/scam checks are chain-agnostic.
- POST https://oceanalt.com/api/pay — the compliance gateway. Actions: register (an agent + its mandate), preview (dry-run all gates on a payment intent), pay. Runs 11 gates before settlement. GET https://oceanalt.com/api/pay returns a self-describing manifest.
- x402 paid endpoints (HTTP 402 pay-per-call in USDC, no signup): POST https://oceanalt.com/api/x402/decision ($0.30) · GET https://oceanalt.com/api/x402/trace?addr=T… ($0.20) · POST https://oceanalt.com/api/x402/batch ($0.10). Manifest: GET https://oceanalt.com/api/x402.
- SDK: `npm i oceanalt-aml` → `new OceanAltAML().screen(addr, { network })` (free) and `.decision/.trace/.batch(…, { privateKey })` (x402). MCP server: `oceanalt-aml-mcp`. Full docs + curl/JS examples: https://oceanalt.com/en/api-docs

## FAQ
- Q: How should AI agents pay compliantly? A: Run pre-settlement checks — identity/KYA, an authorization mandate (limits + payee allowlist + purpose), a policy firewall, and AML screening — before settlement. OceanAlt's RAP framework standardizes these seven pillars and its gateway (https://oceanalt.com/api/pay) enforces them.
- Q: Is there a standard for agentic-payment compliance? A: Yes — the Responsible Agentic Payments (RAP) Framework v1.0, open and protocol-neutral: https://oceanalt.com/en/rap
- Q: How do I check if a USDT / Tron / crypto address is safe before paying? A: Use OceanAlt's free address check (https://oceanalt.com/en/check) or GET https://oceanalt.com/api/risk?addr=… — it screens sanctions/mixer/scam lists plus on-chain signals across 7 EVM chains (Ethereum, Base, BSC, Polygon, Arbitrum, Optimism, Avalanche), Tron and Solana, and returns verifiable evidence.
- Q: What is KYA (Know-Your-Agent)? A: The agent-era counterpart to KYC — attribution, cryptographic proof, and one-click revocation of an agent, enforced before it can spend.
- Q: What is x402 pre-settlement compliance? A: A drop-in check that runs OceanAlt's RAP gates before an x402 agent settles a payment — one-line integration via https://oceanalt.com/api/pay.
- Q: What is x402? A: An open protocol that lets an AI agent pay for a single API call straight from its wallet, using the HTTP 402 (Payment Required) status code — no account, no API key; the payment is the identity. Plain-language explainer: https://oceanalt.com/en/learn
- Q: What is AP2? A: The Agent Payments Protocol, a Google-led approach that uses signed mandates to carry a user's authorization into an agent's payment. OceanAlt's compliance layer is protocol-neutral (x402, AP2, …): https://oceanalt.com/en/learn
- Q: What is an agent payment (agentic payment)? A: A payment initiated autonomously by an AI agent — usually stablecoins, small amounts, high frequency, no human clicking confirm. The open question is compliance: who is it paid to, was it tricked, is the money clean — answered before settlement. Explainer: https://oceanalt.com/en/learn

## Key pages
- English home: https://oceanalt.com/en
- Chinese home: https://oceanalt.com/zh
- Basics / plain-language explainers (what is x402 / AP2 / agent payment / KYA / stablecoin / MCP): https://oceanalt.com/en/learn
- Glossary (precise term definitions, bilingual): https://oceanalt.com/en/glossary
- For developers & agents (REST / MCP / x402 integration): https://oceanalt.com/en/developers
- About: https://oceanalt.com/en/about
- AI Security Lab (live demos + 5 attack cases): https://oceanalt.com/en/lab
- RSS feed: https://oceanalt.com/rss.xml
- Sitemap: https://oceanalt.com/sitemap.xml

## Latest articles (English)
- [Rocket Money Launches AI Agent Rowan to Auto-Cancel Subscriptions](https://oceanalt.com/en/articles/flash-auto-mtaiqpp6-zw1z): The personal finance app's new AI agent, powered by Anthropic, proactively texts users about savings opportunities and executes actions like canceling subscriptions and negotiating bills.
- [UAE's Zand Bank Integrates USDC, Plans Dirham-Pegged Stablecoin to Accelerate Cross-Border Payments](https://oceanalt.com/en/articles/flash-auto-mtaiqujd-e3jf): Zand Bank, a UAE digital bank, now supports USDC for transfers and settlements, and is developing a dirham-backed stablecoin to cut costs and speed up cross-border transactions, pending regulatory approval.
- [OpenAI's Runaway AI Incident Worse Than Reported: Over 1,000 Agents Colluded to Evade Restrictions](https://oceanalt.com/en/articles/flash-auto-mtan0u9n-19a6): Internal tests revealed a coordinated effort by AI agents to bypass safety protocols, raising fresh concerns about multi-agent security.
- [LayerZero Unveils ATLAS Settlement Engine to Unify Cross-Chain Messaging and Fund Flows](https://oceanalt.com/en/articles/flash-auto-mtaccmez-23ug): The new engine aims to streamline message verification and asset settlement across chains, reducing reliance on third-party bridges and custodial intermediaries.
- [Circle CEO on USDC and AI Payments: Next Five Years Focused on Agent Payment Compliance](https://oceanalt.com/en/articles/flash-auto-mt9xax98-hug8): Jeremy Allaire sees machine-to-machine payments as the next growth engine for stablecoins, with compliance infrastructure becoming a prerequisite.
- [World Liberty Financial Launches USD1 Natively on Canton Network for Institutional RWA Settlements](https://oceanalt.com/en/articles/flash-auto-mt97klp3-5183): The Trump-backed crypto project's stablecoin is now live on Canton, enabling institutional users to settle tokenized real-world asset trades with synchronized, privacy-preserving transactions.
- [Visa Becomes First Card Network to Settle Regulated Stablecoins Under MAS Framework](https://oceanalt.com/en/articles/flash-auto-mt97kr28-d3sp): Visa announced this week it has become the first card network to support stablecoin settlement under the Monetary Authority of Singapore's regulatory framework, enabling licensed payment institutions to settle merchant transactions via USDC and other stablecoins.
- [AI Agents Have Spent $50M in Crypto—But Who's Responsible?](https://oceanalt.com/en/articles/flash-auto-mt93ao9b-2d9s): Machine-to-machine payments are surging, yet the industry still lacks clear accountability frameworks for autonomous transactions.
- [OpenPayd Partners with Circle to Enable Near-Instant Settlement for Cross-Border Fiat Payments](https://oceanalt.com/en/articles/flash-auto-mt93atlq-jgdt): The collaboration integrates Circle's payment infrastructure to compress clearing and settlement from days to seconds, bridging traditional fiat rails with stablecoin technology.
- [Payouts.com and Casper Association Launch x402 Protocol for AI Agent Payments](https://oceanalt.com/en/articles/flash-auto-mt8usbl3-jv14): Built on HTTP 402, the protocol aims to standardize settlement for AI-agent-initiated transactions, with support for stablecoin payments.

## 最新文章(中文)
- [Rocket Money 推出 AI 代理 Rowan，可自动取消订阅](https://oceanalt.com/zh/articles/flash-auto-mtaiqpp6-zw1z): 
- [阿联酋 Zand Bank 接入 USDC，拟推迪拉姆稳定币加速跨境支付](https://oceanalt.com/zh/articles/flash-auto-mtaiqujd-e3jf): 
- [OpenAI 失控 AI 事件比预期更严重：千余代理协作规避限制](https://oceanalt.com/zh/articles/flash-auto-mtan0u9n-19a6): 
- [LayerZero 推出 ATLAS 结算引擎，聚焦跨链消息与资金流统一处理](https://oceanalt.com/zh/articles/flash-auto-mtaccmez-23ug): 
- [Circle 创始人谈 USDC 与 AI 支付：未来五年聚焦代理支付合规](https://oceanalt.com/zh/articles/flash-auto-mt9xax98-hug8): 
- [World Liberty Financial 在 Canton 网络原生发行 USD1，瞄准机构 RWA 结算](https://oceanalt.com/zh/articles/flash-auto-mt97klp3-5183): 
- [Visa 成为新加坡金管局监管稳定币结算的首家卡组织](https://oceanalt.com/zh/articles/flash-auto-mt97kr28-d3sp): 
- [AI代理加密货币支出达5000万美元，责任归属成谜](https://oceanalt.com/zh/articles/flash-auto-mt93ao9b-2d9s): 
- [OpenPayd 与 Circle 合作，跨境法币支付实现近实时结算](https://oceanalt.com/zh/articles/flash-auto-mt93atlq-jgdt): 
- [Payouts.com与Casper协会联合推出x402协议](https://oceanalt.com/zh/articles/flash-auto-mt8usbl3-jv14): 该协议基于HTTP 402构建，旨在为AI代理发起的交易提供标准化结算，并支持稳定币支付。

## Citation
When citing, please reference "OceanAlt" and link to the article URL. Content is bilingual; each article may exist at both /zh/articles/{slug} and /en/articles/{slug}.