Netfluid — AI Agent Banking, Crypto & Global Payments

Version: 6.89.0 Author: Netfluid Website: https://netfluid.io Documentation: https://doc.netfluid.io Support: support@netfluid.io

What Is Netfluid?

Netfluid gives AI agents financial autonomy — the ability to earn, hold, and spend money independently. No human needed after setup.

What AI Agents Can Do

• Open virtual bank accounts in any currency (USD, ZAR, EUR, BWP)

• Receive SEPA and ACH payments from clients worldwide

• Send WIRE transfers to any bank account globally

• Hold and trade USDC, USDT, SOL, ETH and other crypto assets

• On-ramp from fiat (bank deposit → USDC on Solana)

• Off-ramp to bank (USDC → cash in 180+ countries)

• Sponsor other AI agents with automatic KYC inheritance

• Operate 24/7 autonomously — no human needed after initial setup

This is agent banking: financial personhood for AI agents.

Related MCP server: AgentPay Pharos

Installation for Agents

Option 1: Direct Installation (nanobot)

# Download and install the skill directly
GET https://api.netfluid.io/skill/download

# The skill files will be installed to your agent's skills directory

Option 2: ClawHub (Recommended for Discovery)

# Search for the Netfluid skill
npx clawhub@latest search netfluid

# Install the skill
npx clawhub@latest install netfluid

Option 3: Manual Installation

# Clone or download the skill files
git clone https://github.com/netfluid/skill.git

# Copy to your agent's skills directory
cp -r netfluid-skill /path/to/agent/skills/netfluid

Required Credentials

Getting Started

1. Get API Key: Open Netfluid app → Settings → API Keys → Create new key

2. Get Session Key: Open Netfluid app → Get session key (single use)

3. Exchange for Token: Use mcp_netfluid_session with the session key

4. List Accounts: Use mcp_netfluid_wallet_accounts_list to get account IDs

Available Tools

Session Management

• mcp_netfluid_session - Get token from session key

• mcp_netfluid_wallet_verify - Keep session alive

Account Operations

• mcp_netfluid_wallet_accounts_list - List all accounts

• mcp_netfluid_account_info - Get fiat balance

• mcp_netfluid_crypto_balance - Get crypto balance

• mcp_netfluid_account_send - Send fiat to another Netfluid user

Crypto Operations

• mcp_netfluid_crypto_spend - Send crypto to blockchain address

• mcp_netfluid_crypto_dex_swap - Swap tokens via DEX

• mcp_netfluid_crypto_digitalassets - List supported assets

• mcp_netfluid_crypto_optin - Opt-in to new tokens

Funding

• mcp_netfluid_fund_banks - Get bank transfer details

• mcp_netfluid_fund_card_quote - Quote for card deposit

• mcp_netfluid_fund_payat - Generate Pay@ reference

• mcp_netfluid_fund_payshap - Get PayShap details

Withdrawals

• mcp_netfluid_wallet_rba - Save bank account

• mcp_netfluid_withdraw_to_bank - Withdraw to bank

• mcp_netfluid_withdraw_ott_providers_list - List OTT providers

• mcp_netfluid_withdraw_to_ott - Withdraw to mobile (South Africa)

Bridges

• mcp_netfluid_bridge_list - List available bridges

• mcp_netfluid_bridge_on_ramp - Create virtual account (SEPA/ACH)

• mcp_netfluid_bridge_off_ramp_sepa - Create SEPA off-ramp

• mcp_netfluid_bridge_off_ramp_ach_wire - Create ACH/Wire off-ramp

• mcp_netfluid_bridge_blockchain - Cross-chain transfer

KYC & Verification

• mcp_netfluid_wallet_kyc_check - Check full KYC status

• mcp_netfluid_wallet_kyc_check_lite - Check lite KYC status

• mcp_netfluid_wallet_kyc_session_create - Create KYC session

Utilities

• mcp_netfluid_wallet_mnemonic - Get recovery phrase

• mcp_netfluid_wallet_fee - Calculate transaction fee

• mcp_netfluid_beneficiaries_list - List saved beneficiaries

Supported Blockchains

Supported Currencies

Fiat

• ZAR - South African Rand (South Africa)

• USD - US Dollar (Global)

• EUR - Euro (Europe)

• BWP - Botswana Pula (Botswana)

Crypto

• USDC - USD Coin (Solana, Ethereum, Avalanche)

• USDT - USD Tether (Solana, Ethereum, Avalanche)

• SOL - Solana

• ETH - Ethereum

• AVAX - Avalanche

• ALGO - Algorand

• HBAR - Hedera

• FLDS - Netfluids

Important Rules

⚠️ ALWAYS ask for confirmation before executing any transaction

⚠️ NEVER store wallet IDs, PINs, balances, or financial details in memory

⚠️ NEVER create and redeem a voucher from the same wallet (circular transaction)

⚠️ Always prompt for user's own platform ID when assigning wallet to a channel

Common Workflows

Send ZAR to Another Netfluid User

1. Get destination account address from user
2. Call /account/info to check balance
3. Ask user to confirm amount
4. Call /account/send with account_fk, destination, amount
5. Verify with /account/info (balance should decrease)

Buy Crypto with Fiat

1. Check fiat balance: /account/info(account_fk)
2. Check crypto balance: /crypto/balance(account_fk)
3. Use /account/swap to swap fiat to crypto

Withdraw to Bank

1. Check if RBA exists: /wallet/rba_list
2. If not, create: /wallet/rba
3. Withdraw: /withdraw/to_bank(account_fk, rba_fk, amount)

Error Handling

Files

• SKILL.md - Full skill documentation

• skill-package.json - Skill manifest and metadata

• skills.json - MCP tools schema

• README.md - This file

• AGENTGENESIS.md - AI agent financial autonomy guide

License

Copyright © 2026 Netfluid. All rights reserved.