Introduction
The Quantoz Agentic Stack is a MiCA-regulated e-money platform that lets AI agents send, request, and manage euro payments natively — without crypto wallets, gas fees, or USD stablecoins. No transaction fees for developers.
The problem
Section titled “The problem”AI agents can already decide to pay. They calculate who owes what, find the cheapest flight, identify the right freelancer. But they cannot execute. They stop at a wall and hand back a URL.
The payment rails that could theoretically serve this — blockchain, stablecoins — work technically, but are not ready for mainstream European consumers. Self-custody wallets and crypto onboarding remain too high a barrier.
What EURD provides
Section titled “What EURD provides”| Property | Detail |
|---|---|
| Regulation | MiCA-compliant EU e-money licence |
| Denomination | EUR — always 1:1, no FX |
| Settlement | Algorand (on-chain), invisible to the consumer |
| Consumer UX | E-money wallet — looks and feels like a bank account |
| Agent interface | 36 MCP tools, typed and described for LLMs |
| Transaction fees | Zero for developers |
Who this is for
Section titled “Who this is for”- Developers building agents that need to pay in euros
- Platforms embedding payments into AI-native workflows
- Merchants accepting EURD from agents and consumers
What agents can do with EURD
Section titled “What agents can do with EURD”- Split a bill and pay everyone in one instruction
- Pay a freelancer on delivery
- Subscribe to a data API by the request
- Reimburse a team for lunch
- Accept payment via QR or payment link
- Automatically pay x402-protected websites and APIs in EURD
x402 — machine-to-machine payments
Section titled “x402 — machine-to-machine payments”EURD supports the x402 protocol: any HTTP endpoint can require a small EURD payment before serving content. When an agent hits a 402 response, it pays automatically and retries — no signup, no API key exchange, no human in the loop.
Merchants add two API calls to their checkout. Agents pay using the create_payment MCP tool or the @ever_amsterdam/x402-euro-eurd npm package. Physical goods, data feeds, paywalled articles — the same pattern works for all of them.
Next step
Section titled “Next step”→ Sign up — create your account and get an API key.
→ Quickstart — get a working agent payment in under 5 minutes.