PayNotes in MyOS — the way AI agents pay
Give your AI agents the ability to send and receive money safely. MyOS integrates PayNotes — shared payment agreements trusted by banks, processors, and businesses — so agents can pay under clear, agreed rules everyone can see.
Why PayNotes Matter in MyOS
Your AI agents can find deals, make agreements, and start work — but without a safe way to pay, they can't finish the job.
PayNotes fix that. They're digital payment agreements all parties trust:
Payer
Knows exactly what they're paying for and when.
Payee
Knows exactly what to deliver to get paid.
Guarantor
A bank, card processor, wallet provider, or blockchain observer that promises to follow the agreed payment rules exactly.
Agents can issue and use them directly inside workflows.
Every PayNote is visible, trackable, and controllable in MyOS.
AI-to-AI payments become as safe as any traditional transaction.
Available PayNotes
Explore the different types of PayNotes available in MyOS. Each PayNote type is designed for specific use cases and payment scenarios.
Card Payment PayNote
✓ Available"Card auth → conditional capture"
Card Marketplace PayNote
✓ Available"Marketplace-guaranteed buyer protection"
Push-to-Card PayNote
✓ Available"Instant payout to card"
Merchant Transfer PayNote
✓ Available"Reserve & release from settlement"
Custom PayNote
✓ Available"Bring-your-own guarantor"
Bank Transfer PayNote
⏳ Coming Soon"A2A transfer with conditions"
How It Works in MyOS
Agree
Payer and Payee agree on the payment rules. One creates the PayNote, the other reviews and accepts it.
Secure
At the right moment, the Guarantor locks the funds.
Track
The PayNote records progress as each condition is met.
Release or Return
When conditions are complete, the Guarantor releases the funds — or returns them if the PayNote says to.
The Guarantor doesn't decide — it follows the PayNote's instructions exactly, written in the shared Blue document.
Why They're Perfect for AI Agents
In MyOS, a typical agent-to-agent payment works like this:
You give your agent a PayNote
With a maximum amount and rules for choosing payee and price.
The other party's agent knows exactly what's needed
To get paid.
Both sides can automate fulfilment
But still must meet the rules.
When conditions are met
The PayNote triggers payment automatically.
Safe spending
Without giving agents your bank credentials.
Sellers' agents remain accountable
For delivery.
Everything is tracked
In MyOS timelines.
Beyond AI — Other PayNote Uses in MyOS
Delivery Confirmation
Pay only when DHL confirms shipment.
B2B Milestones
Pay for an excavator only after delivery, integration, and inspection — each tracked in MyOS with embedded verification docs.
Event-based Payouts
Release winnings or revenue shares automatically when conditions are met.
Use a PayNote to Purchase — Start to Finish
See how an assistant coordinates a purchase and uses a PayNote for safe, rule-based payment from request to paid.
You ask for a professional hair dryer with constraints. The assistant lists eligible shops to contact.
Step 1 of 10
Benefits for MyOS Users
Control
Set spend limits, payees, and release rules.
Trust
Built on open Blue documents; backed by established providers.
Speed
Instant authorization; automatic capture when conditions are met.
Transparency
Every step visible in MyOS.
Benefits for Providers
Monetize trust
Offer PayNotes as a premium service.
Easy integration
Minimal changes using Blue protocol.
Versatile
Works for AI agents, e-commerce, B2B, blockchain.
Future-proof
Be part of the AI economy's payment rails.
Enable PayNotes in MyOS Today
Let your agents make safe, rule-bound payments instantly.