A newera ofpayments.
FractionPay pairs tokenized real-world assets with an AI agent economy, so your portfolio earns yield until the second you tap to spend.
You own $200K in yield-earning assets. But you can't buy a coffee with them. Every payment requires selling everything in advance. Your money stops earning the moment you need it.
From investment to payment.
One seamless loop.
Tokenize & invest
A $10M tower becomes 10M shares.
An issuer tokenizes real estate, T-bills, bonds and funds. You invest from $5 in USDC and build a portfolio of yield-bearing real-world assets.
Earn dividends
Rent and yield pay you, on-chain.
Income is distributed as USDC dividends, pro-rata, automatically. Your assets keep working every second you hold them.
Tap to spend
Buy coffee with a skyscraper slice.
Tap your phone at any ENS-named merchant. An AI agent picks the least-disruptive asset to liquidate and settles in USDC — your money earns until the second you spend it.
One tap.
Settled in seconds.
Tap an NFC card or scan a QR code. The merchant's ENS name resolves live from mainnet. An AI agent picks the optimal slice, and Arc settles in USDC.
We hire the agent.
The chain trusts it.
FractionPay doesn't decide what to sell. It ranks 34,000+ ERC-8004 agents by on-chain reputation with Google BigQuery, hires the best, and pays it $0.001 over x402. After each payment it posts feedback on-chain — and the leaderboard re-ranks live.
The reputation loop
↻ closes on every payment
Production rails,
not a prototype.
Six integrations, one flow. Designed for the payment loop you actually live in.
Arc
USDC settlement, a yield-bearing ERC-4626 vault, and programmable stablecoin dividends.
Google BigQuery
Ranks the entire on-chain agent economy — a credit bureau for autonomous agents.
ENS
Merchants and agents are ENS names. Tap an NFC card; it resolves live from mainnet.
ERC-8004 / x402
Agent identity, reputation registry, and per-decision micropayments over HTTP.
Chainlink
Price Feeds value RWAs on-chain at payment time. CRE workflow orchestrates the flow.
World ID
Proof-of-personhood gate before first payment — sybil-resistant, privacy-preserving.
Spend your portfolio.
Keep earning.
The $16 trillion RWA market, finally liquid — one tap at a time.
FractionPay · ETHGlobal New York 2026 · Arc · Google Cloud · ENS · Chainlink · World · Dynamic