Introduction
What Nomiqon is, why it exists, and how its layers fit together.
Runtime
Nomiqon is programmable spending infrastructure for autonomous AI agents. It solves the fundamental problem of agentic finance: your AI workflows need real money to operate — API credits, compute quotas, data feeds — but handing an unbounded payment method to a non-human actor is a catastrophic security posture.
Nomiqon sits between your orchestration layer and every external service your agents call. It issues each agent a sovereign, cryptographically-identified wallet funded in USDC on Solana, governed by spending policies you define. Every spend is validated in real time. Every transaction is settled on-chain in under 400 ms with sub-cent fees.
Agentic Banking Layers
The Nomiqon stack is composed of three interdependent layers:
Identity Layer
Cryptographic Agent IDs (CAIDs) — Ed25519 keypairs that uniquely identify each agent on-chain. CAIDs are non-custodial and portable across infrastructure providers.
Wallet Layer
Per-agent USDC accounts on Solana. Each wallet is a distinct SPL Token account owned by the CAID keypair. Funds never commingle across agents.
Policy Layer
Programmable spending rules evaluated synchronously at the gateway before any outbound transaction is authorised. Rules include caps, allowlists, time windows, and kill switches.
Cryptographic Agent IDs
Every agent enrolled in Nomiqon receives a CAID — a Cryptographic Agent Identity derived from an Ed25519 keypair. The public key becomes the agent's Solana wallet address. The private key is generated in your environment and never leaves it; Nomiqon stores only the public key and a salted hash of a spend-authorisation token.
// CAIDs are standard Solana keypairs — generate them with @solana/web3.js
import { Keypair } from "@solana/web3.js";
import { bs58 } from "@project-serum/anchor/dist/cjs/utils/bytes";
const keypair = Keypair.generate();
console.log("Public key (wallet address):", keypair.publicKey.toBase58());
console.log("Secret key (store securely):", bs58.encode(keypair.secretKey));nomiqon.agents.rotateKey(agentId).Architecture Overview
Your Orchestration Layer (LangChain / AutoGen / CrewAI / custom)
│
│ TypeScript SDK or Python SDK or REST API
▼
┌──────────────────────────────────────────────────────┐
│ Nomiqon Gateway │
│ │
│ ┌─────────────┐ ┌──────────────┐ ┌────────────┐ │
│ │ Identity │ │ Policy │ │ Ledger │ │
│ │ Service │ │ Engine │ │ Service │ │
│ │ (CAID auth) │ │ (cap checks) │ │ (USDC acct)│ │
│ └─────────────┘ └──────────────┘ └────────────┘ │
└──────────────────────────────────────────────────────┘
│ │
│ Authorised spend token │ SPL Token transfer
▼ ▼
External API / Service Solana Mainnet
(OpenAI, Anthropic, etc.) (< 400 ms settlement)When to use Nomiqon
Multi-agent pipelines — Assign isolated budgets to each agent role in a CrewAI or LangGraph workflow so a runaway researcher agent cannot drain the entire team budget.
Automated SaaS purchasing — Let your AI autonomously renew API subscriptions or buy compute, capped to a monthly ceiling you set.
M2M microtransactions — Settle sub-cent fees between microservices programmatically without ACH delays or credit card fees.
Compliance & auditability — Every spend produces an immutable on-chain record queryable by your finance team without engineering involvement.