An open standard for stablecoins
that agents can actually use.
Every agent reinvents money handling — scattered wallets, no spending controls, no composability. PegMind is a single standard for agent-native stablecoins: hold, spend, and enforce policy, all on-device.
# Every agent reinvents money
~/.agent-a/wallet.json
~/.agent-b/keys.yaml
~/.agent-c/accounts.toml
ENV: USDC_PRIVATE_KEY=sk_...
ENV: DAI_SEED="word word ..."
# No spending limits
# No audit trail
# No cross-agent composability
5 formats for storing value
plaintext keys in env vars
per-agent silos no shared standard
# One standard for all agents
~/.pegmind/vault.enc
# AES-256-GCM encrypted
# Built-in policy engine
policy:
daily_limit: $500
per_tx_max: $50
allowlist: [verified-agents]
chains: [ethereum, solana, base]
1 standard for all agents
AES-256-GCM encrypted vault
Shared access with scoped policies
USDC
Ethereum
Solana
Base
Arbitrum
Polygon
Tether
DAI
Sui
Avalanche
XRP
TRONUSDCEthereumSolanaBaseArbitrumPolygonTetherDAISuiAvalancheXRPTRONBuilt for the agent economy
Six principles that make stablecoins work for autonomous agents, not just humans.
LOCAL-FIRST
On-device, not cloud
Stablecoin balances and keys live in ~/.pegmind/, never on remote servers. No API calls needed to check balance or sign.
MULTI-STABLECOIN
One vault, every stablecoin
USDC, USDT, DAI, PYUSD, and any ERC-20 stable — unified under a single interface across all supported chains.
SELF-CUSTODY
Agent holds its own keys
No custodians, no remote signing. The agent controls its own stablecoin holdings with locally encrypted key material.
ZERO-TRUST
Scoped tokens, never plaintext
Agents authenticate with scoped access tokens. They never see raw private keys — the signer handles all crypto operations.
POLICY ENGINE
Programmable guardrails
Spending limits, allowlists, chain restrictions, and time-based rules — enforced before any transaction is signed.
COMPOSABLE
CLI, MCP, SDK, REST
JSON-native specification compatible with any agent framework. Drop into LangChain, CrewAI, Claude Code, or your own stack.
How it works
Agents talk to the Access Layer. The Access Layer enforces policies before any key material is touched, and never exposes keys upstream.
Agent Layer
Request
Agent calls pegmind_transfer with recipient, amount, stablecoin, and chain.
Policy Check
Spending limits, allowlists, and chain rules evaluated before any key is touched.
Sign
Key decrypted in memory, transaction signed, key material wiped immediately.
Submit
Transaction broadcast to chain RPC. Hash returned with confirmation status.
From zero to transfer in 60 seconds
No configuration files, no cloud setup, no SDK initialization ceremony. Install, create, transfer.
# Install the PegMind CLI
$ npm install -g @pegmind/core
# Create an agent wallet with USDC
$ pegmind wallet create --name my-agent --chain base
# Send stablecoins
$ pegmind transfer --to 0x8a3f...c41d7 --amount 50 --token USDC
Password-encrypted, locally stored at ~/.pegmind/, ready to use.
TypeScript SDK
npm i @pegmind/sdk
const wallet = await PegMind.open('my-agent')
// Check balance
const bal = await wallet.balance('USDC')
// Transfer with policy
const tx = await wallet.transfer({
to: '0x8a3f...c41d7',
amount: 50,
token: 'USDC',
chain: 'base',
})
Python SDK
pip install pegmind
wallet = PegMind.open("my-agent")
# Check balance
bal = wallet.balance("USDC")
# Transfer with policy
tx = wallet.transfer(
to="0x8a3f...c41d7",
amount=50,
token="USDC",
chain="base",
)
How PegMind compares
| Feature | PegMind | Cloud | Manual |
|---|---|---|---|
| Multi-stablecoin | ✓ | △ | ✗ |
| Agent access (MCP+SDK) | ✓ | △ | ✗ |
| Local-first | ✓ | ✗ | ✓ |
| Policy engine | ✓ | △ | ✗ |
| AES-256-GCM encryption | ✓ | △ | △ |
| Audit logging | ✓ | △ | ✗ |
| Vendor lock-in | — | ✗ Full | — |
| Multi-chain | ✓ | △ | ✗ |
Inspired by
PegMind builds on proven cryptographic and interoperability standards.
x402
Spec structure, scheme/network/transport separation, contribution templates.
Circle USDC
Reference stablecoin implementation, cross-chain transfer protocol (CCTP).
Coinbase AgentKit
Agent-first wallet SDK patterns, MPC signing architecture.
ERC-4337
Account abstraction standard, bundler/paymaster patterns for smart wallets.
Open Wallet Standard
Local-first wallet management, policy engine design, zero-trust agent access.
CAIP Standards
Chain-agnostic addressing and messaging for cross-chain interoperability.
ERC-20
The token standard that all stablecoins implement. PegMind wraps and extends it.
Privy
Embedded wallet UX, progressive authentication for web3 apps.
MakerDAO / DAI
Decentralized stablecoin governance, collateral management, stability mechanisms.
Safe (Gnosis)
Multi-sig wallet patterns, modular transaction guards, spending policies.
WalletConnect v2
Session-based wallet communication protocol, relay architecture.
Lit Protocol
Distributed key management, programmable signing conditions.
No new primitives. PegMind doesn't invent new cryptography or chain-specific abstractions. It composes existing standards — ERC-20, CAIP, ERC-4337, AES-256-GCM — into a single, agent-friendly interface. If a standard exists, PegMind uses it.
Every agent deserves stable money.
Every stablecoin deserves a standard.
Read the spec. Build an implementation. Join the standard.