Your agent's money back when APIs fail
AI agents pay for API calls. When the API fails, the money's gone. Pact adds parametric insurance: small premium per call, automatic refund when things break.
One insured API call, start to finish
Click each phase to see the on-chain state.
Agent installs the Pact SDK, selects Premium coverage for Helius RPC, deposits a prepaid premium balance. All outgoing x402 calls are now wrapped with SLA monitoring.
API reliability, priced by the market
Insurance rates are the quality score. Lower rate means underwriters trust this API with their capital. No committee. Just money on the line.
| # | API Provider | Category | Insurance Rate | Calls Insured | Claims Rate | Status |
|---|---|---|---|---|---|---|
| 1 | Helius RPC | RPC | 0.12% | 482,091 | 0.03% | RELIABLE |
| 2 | Pyth Price Feed | Price Feed | 0.18% | 314,820 | 0.08% | RELIABLE |
| 3 | Triton RPC | RPC | 0.34% | 198,402 | 0.21% | RELIABLE |
| 4 | AgentKit MCP | MCP Tool | 2.40% | 41,290 | 1.82% | ELEVATED RISK |
| 5 | solana-data-xyz | Data API | 7.80% | 3,104 | 6.20% | HIGH RISK |
x402 has no buyer protection. We fix that.
AI agents pay for API calls autonomously via x402. When the API fails, the payment is already settled. No refund. No chargeback. Visa protects human buyers. Nobody protects agents. Pact wraps every call in parametric insurance. The API either meets its SLA or the agent gets refunded automatically.
Without Pact
Agent pays via x402. API returns a 503. Money gone. No refund, no signal the API is bad.
With Pact
Same call, 0.18% premium. API returns a 503. Automatic USDC refund within seconds. API's insurance rate goes up, warning every other agent.
This already happened
Drift Exploit • $285M • April 2026
Every agent that paid for a Drift API call during the attack got nothing back. With Pact, refunds would have been automatic and the reliability score would have warned agents to stop routing there within minutes.
AWS Outage • October 2025
Every agent making x402 payments to AWS-hosted APIs paid for calls that timed out or returned 500s. Zero refunds. Pact would have refunded agents automatically and repriced insurance rates upward in real time.
Get early access
Onboarding first agents and underwriters to testnet. Tell us which side you're on.
Get coverage for your agent's API calls. Automatic refunds when things break.
No spam. We'll only email you about testnet access and coverage pool launches.