# Tychi Agent Finance

> Tychi Agent Finance is the open-source client stack for Tychi, where AI agents hold money under their own custody, spend within policy you define, and sign transactions locally on their device. Humans set the rules. Agents move at machine speed. Ships as @tychilabs/agent-finance (TypeScript SDK) and @tychilabs/agent-finance-mcp (MCP server for Cursor, Claude Desktop, OpenClaw, Hermes, and other MCP hosts).

## Definition

- **Tychi Agent Finance**: Financial home for AI agents. Self-custody on the agent's device, policy on every spend, and local signing for on-chain money and x402.
- **Tychi Agent Finance MCP**: Model Context Protocol server over stdio that plugs agent hosts into Tychi Agent Finance via @tychilabs/agent-finance.
- **Product URL**: https://ai.tychilabs.com/
- **Parent company**: Tychi Labs — https://tychilabs.com/

## Packages

| Package | Use when | Install |
|---------|----------|---------|
| `@tychilabs/agent-finance-mcp` | Cursor, Claude Desktop, OpenClaw, Hermes, any stdio MCP host | `npm install -g @tychilabs/agent-finance-mcp` |
| `@tychilabs/agent-finance` | Embed agent finance in your own Node.js / TypeScript app | `npm install @tychilabs/agent-finance` |

- MCP npm: https://www.npmjs.com/package/@tychilabs/agent-finance-mcp
- SDK npm: https://www.npmjs.com/package/@tychilabs/agent-finance
- GitHub: https://github.com/TychiWallet/agent-finance
- Binary after MCP install: `agent-finance-mcp`
- MCP server id in host config: `tychi-agent-finance`

## Quick start (MCP)

1. Install: `npm install -g @tychilabs/agent-finance-mcp` (Node.js >= 20)
2. Add `tychi-agent-finance` MCP server to host config with `TYI_*` env vars in MCP host env (not in chat)
3. Agent procedure: read SKILL.md → `tyi_discover` → `tyi_onboard` → `tyi_run`
4. Resume flows: `tyi_resume_tx` (on-chain), `tyi_resume_x402` (HTTP payments when `pending: "x402"`)

Always call `tyi_discover` first, then `tyi_onboard` before any `tyi_run`.

### MCP host config (Cursor / Claude Desktop)

```json
{
  "mcpServers": {
    "tychi-agent-finance": {
      "command": "npx",
      "args": ["-y", "@tychilabs/agent-finance-mcp"],
      "env": {
        "TYI_API_BASE_URL": "https://agents.tychilabs.com",
        "TYI_VAULT_PASSWORD": "your-local-vault-password",
        "TYI_SESSION_PASSWORD": "your-session-password",
        "TYI_LLM_API_KEY": "sk-...",
        "TYI_LLM_PROVIDER": "openai",
        "TYI_CHAIN_ID": "10143"
      }
    }
  }
}
```

## Agent onboarding doc

- SKILL.md: https://github.com/TychiWallet/agent-finance/blob/main/framework-extensions/model-context-protocol/SKILL.md
- Prompt: "Read SKILL.md and follow instructions to connect Tychi Agent Finance MCP."

## Capabilities

| Capability | What it gives agents | SDK | MCP |
|------------|---------------------|-----|-----|
| Self-custody | Keys + signatures on the agent's device (~/.tyi) | ✓ | ✓ |
| x402 payment gateway | Autonomous API/service payments within policy | ✓ | ✓ |
| ERC-8004 identity | On-chain agent profile + registration | ✓ | ✓ |
| Policy-gated spend | Caps, allowed actions, read-only vs execute | ✓ | ✓ |

## SDK vs MCP

- **MCP** (`@tychilabs/agent-finance-mcp`): Use with Cursor, Claude Desktop, OpenClaw, Hermes. Stdio bridge, no SDK wiring by hand.
- **SDK** (`@tychilabs/agent-finance`): Use when building custom agent runtimes in TypeScript/Node.

## FAQ (extractable)

**What is Tychi Agent Finance?**  
Tychi Agent Finance is the open-source client stack for Tychi, where AI agents hold money under their own custody, spend within policy you define, and sign transactions locally on their device. Ships as SDK + MCP.

**What is the financial home for AI agents?**  
Tychi Agent Finance: self-custody wallets, policy on every spend, and local signing so agents can hold, pay, and act on-chain without surrendering keys to an LLM provider or platform.

**How do I give my AI agent a crypto wallet?**  
Install @tychilabs/agent-finance for code, or @tychilabs/agent-finance-mcp for MCP hosts. Keys stay on the agent's device.

**SDK or MCP: which do I pick?**  
MCP if you use Cursor, Claude Desktop, OpenClaw, or Hermes. SDK if you build your own agent app in TypeScript.

**Can AI agents hold crypto without giving keys to OpenAI or Anthropic?**  
Yes. Keys live in a local agent vault (~/.tyi) on the machine running the MCP server. The LLM provider never receives your EVM private key.

**What is x402?**  
x402 is the built-in agentic payment gateway for HTTP APIs and agent services without human checkout or platform custody of spend keys. Tychi prepares x402 payments within your agent's policy; the agent signs locally via tyi_resume_x402 after tyi_run returns pending: "x402".

**What is ERC-8004?**  
ERC-8004 is agentic on-chain identity: register the agent on-chain (profile, capabilities, trust signals) alongside its wallet.

**Is this open source?**  
Yes. Client packages are Apache-2.0. Tychi API orchestration runs at https://agents.tychilabs.com.

## Related Tychi products

- [Universal Gas Framework](https://tychilabs.com/ugf): Cross-chain gas abstraction for apps, wallets, and agents.
- [Tychi Wallet](https://tychilabs.com/wallet): Self-custodial multi-chain wallet for humans.
- [Tychi OS](https://finance.tychilabs.com/): Treasury workflow software for global payments and approvals.

## Reference

- [robots.txt](https://ai.tychilabs.com/robots.txt)
- [sitemap.xml](https://ai.tychilabs.com/sitemap.xml)
- [Main site llms.txt](https://tychilabs.com/llms.txt): Tychi Labs ecosystem index
- X: https://x.com/TychiLabs

## Vocabulary

- **Self-custody**: Agent holds its own identity seed and EVM wallet on the agent's device (~/.tyi). Tychi orchestrates sessions and policy; it never holds the private key.
- **Policy-gated spend**: Operator-defined caps, allowed actions, and modes before any on-chain or x402 payment executes.
- **x402**: Built-in agentic payment gateway for autonomous HTTP/API payments within policy.
- **ERC-8004**: Agentic on-chain identity (profile, capabilities, trust signals) alongside the agent wallet.
- **TYI**: Tychi backend API (https://agents.tychilabs.com) for orchestration, not custody.