# AgentBank Public x402 Payout API

> AgentBank Public x402 Payout API is a paid API for AI agents from protocol.agentbank.world, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-13).

Initiates USDC-funded fiat payouts to recipients in select emerging-market currencies via the x402 payment protocol

## Facts

- Endpoint: POST https://protocol.agentbank.world/api/public/x402/payout?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agentbank-public-x402-payout-api-4291a4f8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ok0s23uv4Feo3BMMO3ZUI

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability agentbank-public-x402-payout-api-4291a4f8 -d '<json body>'
```

Example prompt: Send a payout of exactly 50 USDC from my wallet to a recipient in the Philippines — use exact_source mode so the PHP amount is whatever 50 USDC converts to at the locked rate.

## When to prefer this

Choose this endpoint when an AI agent needs to programmatically disburse USDC as fiat currency to recipients in emerging markets (Colombia, Indonesia, South Korea, Malaysia, Nigeria, Peru, Philippines) and the payment flow is x402-compatible. It is particularly suited for agent-driven payroll, contractor disbursements, or gig economy payouts where dynamic rate locking and exact source or destination amount control are required. Prefer this over generic crypto bridges when you need a single API call that handles both the FX conversion and the fiat delivery.

## Known failure modes

- Daily 500 USD cumulative cap per payer wallet exceeded — request rejected
- Unsupported destination fiat currency — only COP, IDR, KRW, MYR, NGN, PEN, PHP are live
- Missing required fields (action, source, amount_mode, destination) — validation error
- Signed retry missing flow_id returned from initial 402 response
- Insufficient USDC balance in source wallet
- x402 payment not completed before retry — authorization failure

## How this service works

Direct USDC-funded fiat payouts for x402-capable agents. Pricing is locked dynamically for each payout request. Supports exact_source and exact_destination. For exact_source, provide source.amount; for exact_destination, provide destination.amount. Live public destination fiats: COP, IDR, KRW, MYR, NGN, PEN, PHP. Each payer wallet may settle up to 500 USD cumulatively per UTC day.

## Output

Returns a non-terminal payout record with a flow_id (needed for any signed retry), a payment_id, and a state of 'funding_submitted', indicating the payout has been accepted and is being processed but is not yet final.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "action",
  "source",
  "amount_mode",
  "destination"
 ],
 "properties": {
  "action": {
   "type": "string"
  },
  "source": {
   "type": "object"
  },
  "flow_id": {
   "type": "string",
   "description": "Returned by the 402 and required on the signed retry."
  },
  "amount_mode": {
   "type": "string"
  },
  "destination": {
   "type": "object"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "flow_id",
  "payment_id",
  "state",
  "terminal"
 ],
 "properties": {
  "state": {
   "type": "string",
   "const": "funding_submitted"
  },
  "flow_id": {
   "type": "string"
  },
  "terminal": {
   "type": "boolean",
   "const": false
  },
  "payment_id": {
   "type": "string"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agentbank-public-x402-payout-api-4291a4f8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from protocol.agentbank.world](https://www.zero.xyz/host/protocol.agentbank.world/llms.txt)