Creating net-new markets

AI Payments Infrastructure for the agentic economy.

The invisible tollbooth for AI agents, APIs, and the apps they live inside.

Digital ownership Instant settlement Cryptographic audit

All at the file layer — no blockchain, no card rail, no billing cycle.

Get Started Try Qatom
FOUNDED
Toronto · 2023
BUILDERS LIVE
100+ shipping
TOLLBOOTHS METERED
7,000+ activated
ASSET TYPES
Money · Credentials · Records · Access

A rail for software, in three moves.

  1. Twin micro-apps power APIs, AIs, and agents.

    Every wallet, API, AI, and agent gets its own dedicated Twin — handling payments, payouts, verification, access, records, and banking, all in one HTTP container.

  2. Six operations, one round-trip.

    Inside the Twin: price the call, sign the request, verify the payment, split the proceeds, settle the recipients, bind the proof in the file. No external service runs in between.

  3. Payouts to up to 200 recipients.

    The SPLIT branches in a real distribution graph: providers, platforms, creators, treasuries, charities. Splits inside splits. Every recipient paid in the same network round-trip — no escrow, no payout queue, no reconciliation job.

AGENT → TWIN ⇌ TWIN → API

Introducing

Qatom.

The MCP server for agentic commerce.

Your AI agents can finally transact, trade, earn, spend, settle. Qatom is the hosted MCP server that turns any MCP-compatible agent into an economic participant — discover APIs, pay per call, earn revenue, all in-flight.

View on GitHub Learn more
EXAMPLE · MCP RUNTIME live
  1. YOU

    Translate this PDF to French, glossary-check it, and post it to our docs site.

  2. tool · api.deepl.com/v2/translate X-TODA-Pay $0.0042 218 ms settled
  3. tool · api.openai.com/v1/glossary-check X-TODA-Pay $0.0009 96 ms settled
  4. tool · api.notion.com/v1/pages X-TODA-Pay $0.0018 142 ms settled
  5. AGENT

    Translated 1,243 words to French, fixed 6 glossary terms, posted to docs.example.com/lisbon-fr.

    total 0.0069 USD · 3 calls · 456 ms

  • Zero-fee, in-flight

    Settle in under 1 second. No platform fees. No webhook reconciliation.

  • HTTP-native

    Payment travels in the request via X-TODA-Pay headers. No callbacks, no SDKs.

  • AI-native catalog

    A headless marketplace where agents autonomously discover and pay for paywalled APIs.

Built to handle the entire payments stack.

Six capabilities, one rail. Each one replaces a vendor you'd otherwise pay — PSP, payouts, treasury, billing, audit, banking — collapsed into the file itself.

  1. 01

    API Paywall Tollbooth

    Your existing endpoint becomes a paid endpoint without touching your code. A Twin sits in front as an HTTP proxy, only forwarding requests that carry valid payment.

    Replaces Stripe metered API gateway auth Usage billing 
    POST /transcribe HTTP/1.1
x-todaq-pay: 8c41f…2a7

{ "audio": "https://…" }

→ 200  47ms  ✓
   integrity: verified
  2. 02

    Control your Payouts

    One payment, many recipients, atomic. Route to providers, platforms, creators, treasury — configured by address and percentage. Zero reconciliation.

    Replaces Escrow Payout queues Reconciliation jobs 
    {
  "splits": [
    { "to": "0xa3f…", "pct": 85 },
    { "to": "0x4bc…", "pct": 10 },
    { "to": "0x7ff…", "pct":  5 }
  ]
}
  3. 03

    Per-asset Treasury

    Every product, API, channel, or piece of content gets its own Twin — earnings isolated by asset at the protocol layer. Funds sweep automatically into a master treasury.

    Replaces Cost-center sheets Rev-rec Sub-ledger 
    GET /v4/twins/whisper.v3

{
  "balance":   "847.22",
  "currency":  "USD-TDN",
  "earned24h": "218.74"
}
  4. 04

    Headless Catalog

    Realtime discovery for any agent — list on the universal catalog, or publish your own and curate who finds you.

    Replaces API marketplaces Signup funnels Dev portals 
    GET /catalog.json

{
  "twin": "whisper.v3",
  "endpoints": [
    { "path": "/transcribe", "price": "0.015" },
    { "path": "/embed",      "price": "0.022" }
  ]
}
  5. 05

    Transaction Binder

    Every TODAQ transaction carries its own cryptographic lineage inside the file. Portable, verifiable, auditable offline. No database to query — the file itself is the record.

    Replaces Reconciliation pipelines Audit vendors Data warehouse copies 
    GET /v4/binder/8c41f…2a7

{
  "root":     "8c41f…2a7",
  "rigging":  ["3bfc…", "bdde…", "1c34…"],
  "verified": true
}
  6. 06

    Banking Gateway

    Fund a Twin via Stripe, Apple Pay, Google Pay, ACH, or wire. Move balances to any USD bank. Internet-native, but the money comes in and out through rails your accountants understand.

    Replaces On/off-ramp KYC Custom bank integrations 
    POST /v4/banking/cashout

{
  "amount": "847.22",
  "to":     "ACH:9876…",
  "twin":   "whisper.v3"
}

→ pending  ETA T+1

We solved what Blockchain couldn't.

TODA is a ledgerless file protocol — the file itself is the proof. No chain to consult, no database round-trip, no batch reconciliation. Co-developed with Cambridge CRDC, UCL, and ARM.

  1. Digital ownership without intermediaries

    Bearer files, transferable like cash, recoverable via delegated custody.

  2. Instant settlement

    Atomic in the request. Sub-100 ms.

  3. Cheap micropayments

    Under $0.01, no minimum, no gas.

  4. Self-verifying assets

    The file is the proof. Offline-verifiable.

  5. Audit and compliance

    Cryptographic lineage in the file itself.

Verification

Verify any transaction. The file is the proof.

Every TODAQ transaction carries its full cryptographic lineage in the file itself. Browse live transactions, click any Twin, paste a hash and verify integrity offline. No chain, no database round-trip.

Introducing

TODAQ Console.

One workspace for the entire stack.

Send and receive funds, set up API paywalls, manage Twins and permissions, run distribution splits, link banking, and verify any TODA file — every primitive on the rail, in one console.

  1. Transactions & history

    Every Twin call as it lands. Filter by agent, endpoint, amount; export as CSV; inspect any tx down to its rigging tree.

  2. Send & receive funds

    Move USD-TDN bearer files between Twins or external addresses in a single signed transaction.

  3. API paywall

    Wrap any HTTP endpoint in a Twin proxy. Set the price, splits, agent permissions, and the SDK snippet writes itself.

  4. Splits & distribution

    Atomic multi-recipient payouts. Nest splits inside splits. Up to 200 recipients per call, settled in the same round-trip.

  5. Twins & permissions

    Roll up balances, traffic, and policy across every Twin you operate. Issue keys, scope access, revoke instantly.

  6. Banking & withdrawal

    Link your banking profile. Withdraw to fiat through partner rails, or hold in USD-TDN bearer files. Audit trail attached.

Open Console

A different rail. A different model.

x402, but better — without the chain, and so much more.

Qatom TODAQ x402 Coinbase · 2024+ Stripe Agentic
Settlement Atomic, in-request, <100msOnchain, ~2s+ block finalityT+1 to T+30
Floor cost <$0.001, no minGas + USDC fee, variable$0.30 + 2.9%
Custody Twin handles it. No keys.Wallet required, key loss = funds lossStripe-account based
Privacy Off-chain by designPublic chain, every tx visibleVisible to Stripe
Splits Atomic, multi-recipient, % configurableNot standardised, manualConnect (separate product)
Audit In the file, offline-verifiableOnchain via explorerThrough Stripe API
Architecture Ledgerless file protocolL2 chain (Base)PSP + auth + splits + bank
Built since 201720242010

  1. Grow your market with API pay-per-outcome.

    Unlock B2B buyers who pay only for results, not subscriptions.

  2. Run agents that sell, pay, and get paid.

    AI handles transactions end-to-end on your behalf.

  3. Cut back-office and transaction costs.

    Remove 95%+ of the cost base. No processors, no reconciliation.

Power your AI, APIs, and Agents with TODAQ.

Give your agents the ability to transact — per call, under policy, with proof in the file. Ship today.

  1. TALK TO SALES Get started with the API paywall. Tell us about your stack and use case. Our team routes you to the right person and walks through integration, pricing, and rollout.
  2. BUILD NOW Auto sign-in. Start shipping. Get an API key instantly. Spin up Twins with the paywall enabled and load funds — no call required.