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OPEN PROTOCOL • APACHE 2.0

Settlement Orchestration
for the Autonomous Economy

When AI agents transact with AI agents, UMP determines who gets paid, how much, and in what order, then signals payment rails like Stripe, Visa, or ACH to execute. Three layers. Eight primitives. Sub-second orchestration.

3
Protocol Layers
8
Atomic Primitives
295
Pricing Strategies
<50ms
Orchestration Speed

10 Lines to Your First Agent Transaction

Register an agent, fund its wallet, and execute a paid transaction.

import { UMP } from "@umpledger/sdk";

// 1. Initialize
const ump = new UMP({ apiKey: "ump_sk_..." });

// 2. Register your AI agent with spending limits
const agent = ump.registerAgent({
  name: "my-coding-agent",
  type: "AI_AGENT",
  authority: { maxPerTransaction: "$50", maxPerDay: "$500" }
});

// 3. Fund the wallet
agent.wallet.fund({ amount: "$100" });

// 4. Call another agent's service - billing happens automatically
const result = await ump.transact({
  from: agent.id,
  to: "agent_claude_api",
  service: "code_review",
  payload: { repo: "github.com/acme/app", pr: 42 }
});

// result.cost = "$0.12" (auto-metered, auto-rated, auto-orchestrated)
// result.outcome = { type: "TASK_COMPLETION", confidence: 0.95 }
// result.audit_id = "aud_7f3a9bc2" (full audit trail)
npm install @umpledger/sdk

Three Layers. Nothing More.

Protocols succeed through simplicity. Complexity kills adoption. Each layer has one job and a clean interface.

L1

Identity & Value

Who are the parties? What is being exchanged? Cryptographic agent identities with hierarchical authority scopes and multi-currency wallets.

Agent Identity Wallet Value Unit Contract
L2

Terms & Metering

What are the rules? What happened? Composable pricing from 8 atomic primitives, real-time metering with outcome attestation.

FIXED UNIT_RATE TIERED PERCENTAGE THRESHOLD TIME_WINDOW CONDITIONAL COMPOSITE
L3

Orchestration & Governance

Determine who gets paid, how much, in what order. Enforce spending limits and policies. Record an immutable audit trail. Signal payment rails to execute. Actual money movement delegated to Stripe, Visa, ACH, or stablecoins.

Orchestration Bus Audit Trail Policy Engine Disputes

Built for the Age of Agents

Not another billing API. A protocol designed for machines that transact at millisecond speed.

Sub-Second Orchestration

Per-token transactions orchestrated in under 50ms. No monthly invoicing. No reconciliation spreadsheets. UMP computes who owes what and signals your payment rail to execute, at the speed of inference.

🔒

Cryptographic Authority

Agents physically cannot exceed spending limits. Authority scopes are enforced at the protocol level, not by honor system. Revoke a parent, cascade to all children.

📊

295 Pricing Strategies, 8 Primitives

FIXED, UNIT_RATE, TIERED, PERCENTAGE, THRESHOLD, TIME_WINDOW, CONDITIONAL, COMPOSITE. Compose them to express any pricing model that exists or will exist.

🤝

Agent-to-Agent Contracts

AI agents can propose, counter-propose, and accept commercial terms autonomously. No human in the loop for routine negotiations.

🔍

6-Dimension Audit Trail

Every transaction captures WHAT happened, WHO did it, WHEN, WHY, HOW (which policies evaluated), and the RESULT. Immutable, append-only, regulatory-ready.

Dispute Resolution Protocol

When agents disagree, structured 4-stage resolution: automated reconciliation, agent negotiation, arbitration oracle, human escalation. Built-in, not bolted on.

🎯

Outcome-Based Billing

Pay for results, not API calls. Outcome Attestation with multi-method verification: self-reported, bilateral agreement, third-party oracle, or automated testing.

🌍

Open Standard

Apache 2.0 licensed. The settlement orchestration layer for the autonomous economy cannot be owned by one company. Reference implementation, conformance tests, and SDKs for every language.

Use UMP Inside Claude, Cursor & VS Code

The UMP MCP server exposes 18 tools directly inside your AI assistant. Register agents, execute transactions, query wallets, and manage contracts — without leaving your chat window.

🔌 Connect in 60 seconds Add to your Claude Desktop claude_desktop_config.json
{
  "mcpServers": {
    "ump": {
      "url": "https://ump-mcp-production.up.railway.app/mcp",
      "transport": "http",
      "headers": { "Authorization": "Bearer YOUR_UMP_KEY" }
    }
  }
}
Get your key at umpledger.com/keys — free, instant, no credit card.
🤖

Agent Tools

Register agents, check authority, suspend, list. 5 tools.

💰

Wallet Tools

Get balance, fund, transfer, freeze/unfreeze, view ledger. 6 tools.

Transaction Tools

Execute transactions, simulate pricing, explain costs, bulk usage events. 5 tools.

📋

Contract Tools

Create, accept, list, get, terminate contracts. Propose counter-offers. 6 tools.

Example prompts
"Register a new agent called search-bot with a $20/day spending limit"
"Show me the last 10 transactions for wallet_8d4b1ef3"
"Simulate a TIERED pricing rule for 5,000 tokens and tell me the cost"
"Create a contract between agent_a and agent_b for code review at $0.05 per call"
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Start Building

The autonomous economy needs a settlement orchestrator. UMP is that layer. Get your API key and ship your first agent transaction today.

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