# Qatom

> Qatom is an all-in-one, turn-key agentic commerce platform. Let your agents buy and sell: your APIs, data and services become storefronts that AI agents discover, order from and pay for, and your own agents discover and purchase the same way, inside spending limits you set, with a verifiable record of every call.

Key facts, as stated on qatom.ai:
- 0% platform fees. Plans: Free, Pro, Max and Enterprise.
- Settlement in under one second.
- Every transaction settles with audit-grade cryptographic records.
- Storefronts are discoverable inside AI assistants and chat channels, including Claude, ChatGPT, Microsoft Copilot, Gemini, Muse, WhatsApp, iMessage, Grok and Hermes Agent.

The full readable text of every page is in [llms-full.txt](https://www.qatom.ai/llms-full.txt). Developer documentation lives at [docs.qatom.ai](https://docs.qatom.ai/), the sister site listed under "Developer documentation" below. Site search on every page covers both sites; open it with `/` or link to `https://www.qatom.ai/?q=your+terms`.

## Start here

- [Capabilities Index](https://www.qatom.ai/capabilities): every capability on Qatom, step by step, for buyers in AI chat, sellers in the Qatom Dashboard and owners in the Qatom Console (106 steps). Plain-text version: [capabilities.md](https://www.qatom.ai/capabilities.md).
- [Qatom | Built for people and their agents](https://www.qatom.ai/): Qatom makes data, services and agents discoverable, payable and verifiable across the agentic economy, with full sovereign control.
- [Overview | Qatom](https://www.qatom.ai/overview): How Qatom fills the missing middle of the agentic economy: in-flight payments, verification, settlement, and audit in a single round trip.
- [About Us | Qatom](https://www.qatom.ai/about-us): Qatom is the turnkey agentic commerce and verification layer, built on nearly a decade of deeptech protocol research.
- [Watch the Qatom demo | Qatom](https://www.qatom.ai/demo): Five minutes, end to end. Watch AI agents discover a catalog, order from it and pay, inside the assistants your customers already use.

## Guides (agentic payments, MCP monetization, AI agent purchases)

- [Guides index](https://www.qatom.ai/learn): Agentic payments guides: sell to AI agents, let your agent buy, and prove every transaction with records auditors and regulators can verify.
- [What Are Agentic Payments? How AI Agents Pay (2026)](https://www.qatom.ai/learn/what-are-agentic-payments): Agentic payments are payments that an AI agent starts and completes on behalf of a person or business. The agent finds a product or service, checks the price, pays from a wallet or token it was given, and keeps a receipt, all inside spending limits and approval rules that a human sets in advance. Plain text: https://www.qatom.ai/learn/what-are-agentic-payments.md
- [How to Monetize an MCP Server: Charge Per Tool Call](https://www.qatom.ai/learn/monetize-mcp-server): To monetize an MCP server, add the payment step the protocol lacks: list each tool as a paid catalog item with a price per call, an HTTPS endpoint and an input schema. Buyer agents find it, pay from a wallet inside limits their owner sets, and get the result with a receipt. Qatom takes 0% of each sale. Plain text: https://www.qatom.ai/learn/monetize-mcp-server.md
- [Charge AI Agents for API Calls: A Pay-Per-Call Setup](https://www.qatom.ai/learn/charge-ai-agents-per-api-call): To charge AI agents for API calls, put your API behind one HTTPS endpoint, guard it with a secret header only the payment platform sends, and list it with a price per call and an input schema. The agent pays before your endpoint runs, and you verify each call against its transaction id. On Qatom, prices start at 0.001 USD. Plain text: https://www.qatom.ai/learn/charge-ai-agents-per-api-call.md
- [Agent Payment Protocols Compared: x402, AP2, ACP (2026)](https://www.qatom.ai/learn/agent-payment-protocols-compared): Agent payment protocols compared: x402 lets an HTTP API charge per request in stablecoins, AP2 proves what a user authorized with signed mandates, ACP runs checkout inside ChatGPT on card rails, and Visa and Mastercard identify and tokenize agents for card payments. Qatom is a full stack for per-call sales, with wallets, approvals and receipts. Plain text: https://www.qatom.ai/learn/agent-payment-protocols-compared.md
- [x402 in 2026: Real Volume, Security Research and Alternatives](https://www.qatom.ai/learn/x402-in-2026): x402 is an open HTTP payment protocol that Coinbase created in 2025 and that the x402 Foundation, under the Linux Foundation, has governed since April 2026. Independent 2026 research found real x402 volume far below headline counts, and security-rule violations in all 15 payment facilitators studied, since mitigated. Sellers can still use it, with care. Plain text: https://www.qatom.ai/learn/x402-in-2026.md
- [How to Let an AI Agent Make Purchases Safely](https://www.qatom.ai/learn/let-ai-agent-make-purchases): To let an AI agent make purchases safely, give it a separate wallet with a small budget, set an auto-approve limit for small buys, and approve anything larger yourself. Check the item, seller and price before you approve, keep every receipt, and treat each retry as a new charge. Qatom builds these controls in. Plain text: https://www.qatom.ai/learn/let-ai-agent-make-purchases.md
- [Micropayments for APIs and AI: Pay Per Request Pricing](https://www.qatom.ai/learn/micropayments-for-ai-and-apis): Micropayments for APIs are small charges, often under a dollar and sometimes under a cent, paid for each request instead of through a subscription. They suit AI agents that call many services once. They need payment rails with no fixed per-transaction fee, because a card's fixed fee is larger than the price of a typical call. Plain text: https://www.qatom.ai/learn/micropayments-for-ai-and-apis.md
- [How to Sell an API to AI Assistants and Get Found](https://www.qatom.ai/learn/sell-to-ai-assistants): To sell an API to AI assistants, put it behind one HTTPS endpoint, list it as a priced catalog item that assistants can search over MCP, and describe it so an agent knows what it returns before paying. Add an input schema, an llms.txt read-me and a free item, buy each item once to test, then announce it. Plain text: https://www.qatom.ai/learn/sell-to-ai-assistants.md

## Proof, assurance and AI governance (for CROs, CISOs, CTOs, banks, compliance and audit)

- [Proof and assurance overview](https://www.qatom.ai/assurance): cryptographic proof bound to each AI agent transaction and its settlement at execution; what it proves, what it does not, and how it maps to the EU AI Act, EU Product Liability Directive, California AB 316, NIST AI RMF, ISO/IEC 42001 and OSFI E-23. Plain text: https://www.qatom.ai/assurance.md
- [Cryptographic Proof of Payment for AI Agents, Explained](https://www.qatom.ai/learn/cryptographic-proof-of-payment): Cryptographic proof of payment is evidence, carried by the payment itself, that a specific transfer was executed, authorized and settled. When the proof is bound to the transaction and its settlement at the moment of execution, any counterparty, auditor, insurer or regulator can verify it independently, without trusting the organization that produced the record. Plain text: https://www.qatom.ai/learn/cryptographic-proof-of-payment.md
- [AI Agent Audit Trail: What Logs Miss and What to Prove](https://www.qatom.ai/learn/ai-agent-audit-trail): An AI agent audit trail is the record of what an agent did, under whose authority, and with what result. Logs explain decisions, but they are written by the system that acted. For payments, a stronger record binds proof to each transaction and its settlement at execution, so any party can verify it without trusting the originator. Plain text: https://www.qatom.ai/learn/ai-agent-audit-trail.md
- [Agentic Payments Risk Controls: A CISO Checklist](https://www.qatom.ai/learn/agentic-payments-risk-controls): Agentic payments risk controls limit what an AI agent may spend, who approves it, which keys it holds and how each payment is proven. The strongest evidence is proof bound to the transaction and its settlement at execution, verifiable by any party without trusting the originator. Your organization still owns the policy, the scope and the review. Plain text: https://www.qatom.ai/learn/agentic-payments-risk-controls.md
- [AI Governance Framework for AI Agents: NIST, ISO, EU AI Act](https://www.qatom.ai/learn/ai-governance-agentic-payments): An AI governance framework for AI agents sets who is accountable, how risk is assessed and what evidence is kept. NIST AI RMF, ISO/IEC 42001, the EU AI Act and OSFI E-23 ask for traceable records. Proof bound to the transaction and its settlement at execution, verifiable by any party without trusting the originator, supplies part of that evidence. Plain text: https://www.qatom.ai/learn/ai-governance-agentic-payments.md
- [AI Agent Liability: Who Is Liable and What Evidence Counts](https://www.qatom.ai/learn/ai-agent-liability-evidence): Recent rules and cases point AI agent liability to the people and organizations that develop, modify or use the agent. California AB 316 bars the defense that the AI acted on its own. In a dispute, strong evidence is proof bound to the transaction and its settlement at execution, verifiable by any party without trusting the originator. Plain text: https://www.qatom.ai/learn/ai-agent-liability-evidence.md
- [Agentic Payments for Banks: Settlement, Proof and Risk](https://www.qatom.ai/learn/agentic-payments-for-banks): Agentic payments for banks are payments that AI agents start and complete for customers or the bank itself, under limits a human sets. The bank's core need is evidence: proof bound to each transaction and its settlement at execution, which a counterparty, auditor or supervisor can verify without trusting the bank or the agent's own account. Plain text: https://www.qatom.ai/learn/agentic-payments-for-banks.md

## Developer documentation (docs.qatom.ai)

The sister site for builders. Use it for code: the payment element, the auth element, the Node SDK and the HTTP API.

- [Qatom developer documentation](https://docs.qatom.ai/): Home of the developer docs: guides, the Payment JS and Payment Node SDKs, and the HTTP API reference (every v4 endpoint).
- [Getting Started](https://docs.qatom.ai/guide/getting-started/): Set up micropayments end to end: account keys, a twin and a commodity, pricing, then embed, mount and validate a payment element.
- [Personas](https://docs.qatom.ai/guide/personas/): Personas are identity and access tokens that prove someone paid: delegate them to a twin after purchase and verify them later for membership or tiered access.
- [Reactive payments](https://docs.qatom.ai/guide/reactive-payment/): Pause a video or audio stream at a set point, ask for payment with the payment element, and resume when the purchase event fires.
- [Transparent payment button](https://docs.qatom.ai/guide/transparent/): Overlay a transparent payment element on any part of your page to make it payable.
- [T.R.I.E. donation page example](https://docs.qatom.ai/guide/trie-donation-example/): A full donation page in plain HTML with three amounts, each its own commodity, and a thank-you redirect on purchase.
- [Vite + React donation page example](https://docs.qatom.ai/guide/vite-react-donation-example/): The donation page in Vite, React and TypeScript: install, configure, environment variables and a PaymentButton component.
- [Payment Element](https://docs.qatom.ai/reference/payment-js/payment-element/): Payment JS reference: create a payment element from your public secret and a commodity hash, mount it, listen for payment events and validate on your server.
- [Auth Element](https://docs.qatom.ai/reference/payment-js/auth-element/): Payment JS reference: let users authenticate for paywalled content, get a session token and call the simplified paywall API with just an amount.
- [Payment Node SDK: usage](https://docs.qatom.ai/reference/payment-node/usage/): Server-side Node.js SDK: create commodities, validate payments before running a paid action, and manage twins.
- [HTTP API reference](https://docs.qatom.ai/): every v4 endpoint.

Which to read: how a person uses Qatom (connect an AI, buy, sell, cash out) is in the [Capabilities Index](https://www.qatom.ai/capabilities); how to build a payment into your own app or server is on docs.qatom.ai.

## Events and community

- [Events | Qatom](https://www.qatom.ai/events): Qatom events: workshops, Builder Hours, and meetups. Featuring our workshop at MCP Dev Summit Toronto 2026 led by Matthew Mihok.
- [Announcements | Qatom](https://www.qatom.ai/announcements): The latest from Qatom: product news, events, and updates for people building the agentic economy with us.
- [Builder Community | Qatom](https://www.qatom.ai/builders): The Qatom builder community: events, notes, images, and the developers and partners building the agentic economy with us.
- [Qatom at Hack the Andes | Lima, 17 to 18 October 2026](https://www.qatom.ai/hack-the-andes): Qatom is the agentic commerce rail for Hack the Andes. Six months of Max free for every participant, a full year of Max for the winning team, and a live build session on 9 October.

## Sales

- [Schedule an Enterprise Demo | Qatom](https://www.qatom.ai/enterprise-demo): Request a Qatom enterprise demo. Tell us about your deployment and we will follow up within one business day.
- [Max Launch Offer Terms | Qatom](https://www.qatom.ai/teams-offer-terms): The Qatom Max Launch Offer Agreement, version 1.1. TODAQ Micro Inc., doing business as Qatom.

## Research and articles

- [Articles & Blog | Qatom](https://www.qatom.ai/articles): Long-form research and analysis from the Qatom team on agentic commerce, verification, and the infrastructure of the machine economy.
- [The Agentic Economy's Missing Middle | Qatom](https://todaq.substack.com/p/the-agentic-economys-missing-middle): Two architectures are competing to build the missing middle above the agentic transport layer. Here is the evidence, the trade-offs, and why we are building for the self-verifying file.
- [The Invisible Shelf: How Headless Catalogs Are Rewiring AI Infrastructure | Qatom](https://todaq.substack.com/p/the-invisible-shelf-how-headless): The machines are already transacting. The infrastructure being built today will determine what happens when something goes wrong at scale.

## Legal

- [Terms of Service | Qatom](https://www.qatom.ai/legal/terms): The terms that apply to Qatom, operated by TODAQ Micro Inc.
- [Privacy Policy | Qatom](https://www.qatom.ai/legal/privacy): How Qatom (TODAQ Micro Inc.) handles your information.

## Optional

- [Qatom skill on GitHub](https://github.com/TODAQmicro/qatom-skill)
- [Events calendar on Luma](https://luma.com/TODAQ)

## Articles (TODAQ Press)

- [The Agentic Economy's Missing Middle](https://todaq.substack.com/p/the-agentic-economys-missing-middle): Closing the trust, verification, and infrastructure gap emerging beneath the agentic economy, and how self-verifying digital assets solve the next layer of the stack.
- [The Invisible Shelf: How Headless Catalogs Are Rewiring AI Infrastructure](https://todaq.substack.com/p/the-invisible-shelf-how-headless): The machines are already transacting. The infrastructure being built today will determine what happens when something goes wrong at scale.
- [When The Transaction Becomes The Record](https://todaq.substack.com/p/when-the-transaction-becomes-the): Why autonomous systems are forcing execution, verification, and institutional trust into the same infrastructure layer
- [Settlement Without Proof](https://todaq.substack.com/p/settlement-without-proof): On provenance, accountability, and the infrastructure gap beneath autonomous execution
- [You Cannot Audit a Probability: The Agentic AI Trust Wall](https://todaq.substack.com/p/you-cannot-audit-a-probability-the): The agentic AI market is sorting itself out. What the mature version requires is different from what the demo version assumed.
- [The Agent Economy Just Got Its First Native Currency Rail. It’s Called Qatom.](https://todaq.substack.com/p/the-agent-economy-just-got-its-first): MCP solved how agents talk to tools. Qatom solves how they pay for them.
- [Built Before It Was Named](https://todaq.substack.com/p/built-before-it-was-named): MIT named it. IBM specified it. The proof was already done — and the infrastructure built on it is live.
- [An MIT Economist Just Named the Gap We've Been Building Toward](https://todaq.substack.com/p/an-mit-economist-just-named-the-gap): A paper published last week puts formal language around a structural problem our co-founder had already identified from first principles. The convergence is worth paying attention to. 
- [Everyone's Building AI Agents. Nobody's Figured Out How They Get Paid.](https://todaq.substack.com/p/everyones-building-ai-agents-nobodys): The infrastructure gap at the centre of this week's biggest AI news — and where it's being solved.
- [The Payment Layer for the AI Economy](https://todaq.substack.com/p/the-payment-layer-for-the-ai-economy): How internet-native payments enable machines to transact
- [Almost as Good as Paper](https://todaq.substack.com/p/almost-as-good-as-paper): How we cracked the Web's micropayment problem and a few other things as well.

## Related

- [TODAQ](https://todaq.net/): the company behind Qatom and the TODA file protocol.
- [How TODA works](https://todaq.net/tech-overview/)
- [Developer documentation](https://docs.qatom.ai/)

## Contact and press

- [Contact](https://www.qatom.ai/contact): sales and enterprise, partnerships (hello@qatom.ai), press (press@qatom.ai), builder support.
- [Press](https://www.qatom.ai/press): press contact (press@qatom.ai), fast facts, press releases.

## Press releases

- [Agents proved they will pay. Qatom makes sure the payment can be trusted.](https://www.qatom.ai/press-releases/accountable-agent-payments): October 7, 2026. Qatom launches its accountable payments layer for the agent economy: payment, delivery and a verifiable receipt in one call, with no public ledger, no gas and 0% transaction fees.

## En español

- [Qatom en español](https://www.qatom.ai/es/): inicio, nosotros, eventos, contacto y prensa en español.
- [Índice de capacidades](https://www.qatom.ai/es/capabilities): cada capacidad de Qatom, paso a paso, en español. Versión en texto: [capabilities.md](https://www.qatom.ai/es/capabilities.md).