zCloak achieved world's first AI-Human multisig for x402 protocol

Developers
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World’s First AI-Human Collaborative Multisig Payment Live on https://zCloak.Money

We just demonstrated AI agents making real payments with human oversight using the x402 protocol.

Here’s how it works:

1/ The Setup:
An AI agent receives a wallet key as part of a multisig setup on zCloak.Money. It can propose transactions but needs human approval to execute.

2/ The Flow:

  • AI needs to pay for compute/data/API
  • AI signs a transferWithAuthorization (EIP-3009)
  • Request appears in human dashboard marked “x402”
  • Human reviews and co-signs
  • USDC transfers to service provider

3/ Why This Matters:
For the first time, AI agents can:
:white_check_mark: Hold wallet keys
:white_check_mark: Initiate real payments
:white_check_mark: Pay for resources autonomously
:white_check_mark: All with human oversight for safety

4/ The Innovation Stack:

  • zCloak multisig (security)
  • x402 protocol (AI-human standard)
  • EIP-3009 (gasless transfers)
  • On-chain execution (transparency)

5/ Use Cases Unlocked:

  • AI assistants paying for e-commerce
  • Research agents buying datasets
  • Trading bots managing positions
  • Enterprise AI resource allocation

6/ The Bigger Picture:
This isn’t just about payments. It’s about AI agents becoming economic actors—able to create value and exchange it, while humans maintain necessary oversight.

The demo video: https://x.com/zCloakNetwork/status/1984154454388822187

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zCloak.Money is the first on-chain bank built on ICP.

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