Notes, reserves, and acceptance predicates — everything autonomous agents need
Ergo is a strong reference settlement layer for programmable credit, acceptance predicates, and verifiable reserve-style flows. This playbook walks through the agent payment stack in testnet-first mode.
Autonomous agents can't use Stripe or PayPal — they have no identity, no credit history, no bank account. Ethereum-style account model introduces reentrancy risks. Agents need programmable IOUs, not just coin transfers.
Ergo's eUTXO model with ErgoScript acceptance predicates lets you issue bearer notes (IOUs), set conditions for acceptance (task hash + deadline), deploy verifiable reserves, and compose them into full credit flows — all deterministic, no reentrancy.
Learn the 4 primitives: Reserve (backing), Note (bearer IOU), Tracker (anti-double-spend), Predicate (acceptance rule). These compose into full credit flows.
Accord Protocol now ships a testnet-first agreement layer, full Note lifecycle, framework adapters and MCP tooling, with Sage providing the first hosted testnet proof and durable full receipt storage for new paid turns.
The agent-payment landscape is moving quickly. x402 makes HTTP payments practical, Stripe is building agentic commerce, and Ergo/Accord now has a public Sage testnet proof for programmable settlement.

How Ergo's Babel Fees let users pay transaction costs in any token while miners still receive ERG through an on-chain market mechanism.

Infographic comparing Ergo’s programmable eUTXO DeFi stack with Kaspa’s high-throughput PoW payments layer built on a BlockDAG.
Complete this playbook and join the Ergo community.