Pact Network

Mainnet is in private beta

We’re live on Solana mainnet, but access is allowlist-only and the protocol is experimental. For production use, contact the Pact Network team. Anything here can change without notice — including endpoints, program IDs, and refund math. Full breakdown: Private beta.

What Pact Network is

Pact is the risk layer for agent payments — chargebacks for x402. When an AI agent pays a provider over x402 or MPP (Multi-Payment-Protocol) and the call fails, Pact refunds the agent. Principal and premium both return; the provider loses.

We sit underneath the payment, not in front of it. The agent still pays the provider. The provider still serves the request. Pact watches and settles refunds on-chain when a call goes sideways.

The fastest path: drop-in for pay.sh

If you already use solana-foundation/pay (pay.sh) to resolve HTTP 402 challenges via x402 or MPP, the fastest path into Pact is a one-word swap:

# Before — pay.sh handles the payment, you eat any 5xx.
pay curl https://flaky.example/api/v1/quote/AAPL

# After — same args, same exit code, plus on-chain refund on 5xx.
pact pay curl https://flaky.example/api/v1/quote/AAPL

Same args, exit codes, x402 + MPP wire format. The difference is that a 5xx, timeout, or truncated/malformed response body refunds premium + principal at the next settlement window — automatic, on-chain, no claim form.

See the Quickstart.

Pact Network vs Pact Market

• Pact Network is the protocol — on-chain Solana program (pact-market-pinocchio), off-chain settler, indexer, public APIs. The rails. Anything wired up correctly can be covered.
• Pact Market is one curated interface on top, at market.pactnetwork.io. Calls through Market are pre-covered.

Most agent developers want Market. If you’re onboarding your own provider or building a custom risk product on the protocol, you want Network.

Quickstart Drop-in `pay curl` → `pact pay curl` swap, plus the Market host-swap path and agent integration.

Install the CLI Install `@q3labs/pact-cli` via pnpm / npm / bun and set the closed-beta gate.

Building agents → Agent SDK Drop-in `fetch()` for TypeScript agents via `@q3labs/pact-sdk` — on-chain refunds, mainnet defaults, ESM-only.

Concepts CoveragePool, AgentWallet, classifier, settle_batch, claim_refund — the protocol primitives.

Protocol Reference Mainnet v1 program ID, addresses, HTTP endpoints, and account layouts.

Market The curated wrapped-endpoint interface.

Operations & Status What's live, what's idle, and how to get on the allowlist.

Status

Live state — which on-chain accounts are bootstrapped, which services are running — is on the Status page, updated by hand.

Why this exists

Agent payments are growing fast and there’s no recourse layer. When a call fails — 500, hang, garbage response — the agent already paid. There’s no credit-card chargeback, no claim recourse. The agent eats it.

Pact fills that gap. Refunds happen automatically, on-chain, in batches. No dispute. No negotiation. The protocol decides via the classifier and pays out from a CoveragePool.