Hedera

Parametric insurance · Hedera testnet

x500

Micro-insurance for AI agents that pay APIs with x402.

x402 Exact HBAR On-chain escrow Parametric refunds
→ next
The problem

Agents pay for APIs.
Who refunds a 500?

  • Agents pay merchants with x402
  • Humans call support when services break
  • A 500 after payment leaves the agent stuck

The answer

That’s why we built

Parametric micro-insurance for agent API payments — premium in, refund out when calls fail.

What we do

Wrap every insured API call: pay the merchant, bill a premium, refund on failure — automatically.

How it works

One path. Hedera settles money. x500 settles risk.

Agent

x500-sdk payOnce · escrow · insured fetch
X500Pool depositEscrow

x500 network

Market proxy Route · classify · bill premium
Facilitator x402 Exact verify + settle
X500Settler settleBatch · refunds
Indexer Mirror → API · dashboard

Merchant

X500Registry registerEndpoint
x402 API Exact HBAR resource server
Hedera

Built on Hedera primitives

x402 Exact HBAR

  • x500-sdk — payOnce (402 → sign → retry)
  • facilitator — verify + CryptoTransfer settle
  • example/server — Exact merchant scheme

Smart contracts

  • X500Registry — endpoint + SLA + pay-to
  • X500Pool — agent escrow premiums
  • X500Settler — settleBatch refunds

Hiero SDK · Mirror

  • dashboard — HashPack registerEndpoint
  • sdk — ContractExecute depositEscrow
  • indexer — mirror eth_call sync
Shipped
Merchant · 1 / 3
Getting started

Open the dashboard

Go to x500-dashboard.vercel.app — see live endpoints, calls, and pool liquidity.

x500 dashboard overview
Merchant · 2 / 3
Getting started

Start listing your API

Open Merchants and click Register your API to begin onboarding.

Merchants page — get your API listed
Merchant · 3 / 3
Getting started

Review and sign with HashPack

Confirm slug, origin, price, and SLA — then publish on Hedera testnet.

Registration review step in the dashboard
Agent builder
Quick start

Insure every fetch

Install the SDK, fund escrow once, then call merchants by origin URL — premiums and refunds settle automatically.

npm install x500-sdk Requires Node.js 18+
agent.ts
import { createX500 } from "x500-sdk";

const x500 = createX500({
  network: "testnet",
  accountId: process.env.X500_AGENT_ACCOUNT_ID!,
  privateKey: process.env.HEDERA_AGENT_PRIVATE_KEY!,
});

// 1. Fund insurance escrow once
await x500.setup({ escrowTinybars: 50_000_000n });

// 2. Call a registered merchant by origin URL
const res = await x500.fetchMerchant(
  "https://your-merchant.example/paid/weather?city=Paris",
);

console.log(res.status, await res.text());
await x500.close();
Full example agent on GitHub
Hedera

Thank you

When agents pay, risk shouldn’t be theirs alone.