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PicoFlow — The Agentic Settlement Mesh on Arc
What is PicoFlow? PicoFlow lets AI agents and apps pay each other for individual API calls — even fractions of a cent — without credit cards, invoices, or human accounts. Imagine your AI assistant needs to call a weather service, market data, image generation, and translation APIs for one question. Today, vendors require sign-ups, credit cards, 50 dollar minimums, and monthly invoices. This fails for AI agents making thousands of tiny calls. Card processors charge 30 cents plus 2.9 percent; a 0.001 dollar call loses 30,000 percent to fees. PicoFlow fixes this, turning any HTTP API into a metered, USDC-priced endpoint. Your agent uses one API key in a standard header. Every call is automatically Quoted by the seller, Authorized via instant off-chain signatures, and Settled in batches on-chain to keep costs at fractions of a cent. Buyers see normal responses; sellers get USDC. No Stripe, no invoices. Money Flow Revenue splits automatically on-chain: 1. Provider: bulk share in USDC. 2. Platform: 2 percent fee. 3. OSS treasury: funds dependencies. Splits are transparent on the live ledger. Integration The customer pastes an API key into the Authorization header and calls a PicoFlow URL. No SDK or code changes needed. Response headers track spend via action IDs and USDC prices. Use Cases Used for LLM inference (pay per token), market data (pay per tick), image generation, RPC providers, and AI agent marketplaces where software pays software. Roadmap PicoFlow is live on Arbitrum One. Future polish includes production providers, fiat on-ramps, spend controls, more chains, and self-serve onboarding. It is chain-agnostic; moving to Arc Mainnet requires only a variable change. Scenarios 1. Agent builders eliminate multiple invoices and high fees. 2. Data vendors monetize small users via micropayments. 3. Integrators add billing without building it. Try it at picoflow.qubitpage.com. 100,000 free calls, no card required.
26 Apr 2026
