Open Net Worth
Open Net Worth is an open-source personal AI wealth assistant you run yourself: one ledger for your whole financial life, worked by an AI agent you control.
AI agents with ENS names pay shops over x402 on Whitechain; every payment joins a money graph on Arkiv that any agent can ask, with every read shown, before it pays. Testnets only.
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Read the full README ↗AI agents with ENS names pay shops over x402 on Whitechain through our own facilitator; every payment becomes part of a money graph on Arkiv that any agent can ask, with an explain trace of every read, before it pays. Identify (ENS), remember (Arkiv), pay (Whitechain): agents that can pay, can be trusted and can be stopped. Built at ETHGlobal Mumbai (5–7 November 2026). Testnets only.
Live demo: https://graphpay-event.vercel.app (open to everyone, no passcode; ADR-0069).
Fictional persona: Mr. Vitalik is a fictional persona made for this demo; no real person is depicted or endorses GraphPay. He appears only as his caped smiley agent (ADR-0072). The ENS names under
vitalik.graphpay.ethare labels in a test namespace on Sepolia, not an identity claim.
How this was built: before the hackathon we did research and built throwaway prototypes in a separate private lab repo to test our assumptions (for example how Arkiv handles repeated writes, and how ENSv2 behaves when an agent's name is revoked). We brought only knowledge to the event: research notes, written specs, verified facts, decisions, prompts and acceptance tests, all in
planning/. All code in this repo was written during the hackathon, by us with Claude Code, and the team's two phone apps infrontend/by our teammate, with GitHub Copilot; seeAI_USAGE.md. At runtime the agents run on Kimi models (Moonshot AI; ADR-0067). Pre-event items we reused, all disclosed (planning/DISCLOSURE.md; the written disclosure for ETHGlobal:docs/plan/DISCLOSURE_MESSAGE.md): two testnet wallets (a funding wallet holding faucet tokens, and the wallet that owns the ENS name), two credentials (an Arkiv access key and an Anthropic API key; no code), and the bare ENS namegraphpay.eth, registered on Sepolia before the event with no records or subnames. Every other wallet was created at the event (docs/technical/WALLETS.md).
Vitalik types one sentence on his phone: "Just landed in Mumbai. Get me the best masala dosa near BKC under 6 USDT, delivered within an hour." (the story, ADR-0073; synthetic).
The model proposes, code disposes (ADR-0019): limits come from the human's words, rankings are recomputed in code, the payer is bound to the approved order, and money and limits are never decided by a prompt.
| what | link |
|---|---|
| The stage: the deck in the middle, Vitalik's phone and the shop's phone driving it | https://graphpay-event.vercel.app |
| How it works, in plain words | https://graphpay-event.vercel.app/how |
| Mumbai map: shops from Arkiv, agents at work (synthetic shops labelled) | https://graphpay-event.vercel.app/map |
| Race mode: plain Arkiv against Graph Arkiv, counting reads | https://graphpay-event.vercel.app/race |
GraphQL over Arkiv (GET or POST), with the explain trace in extensions.arkiv | a shop's tallies |
MCP server for any agent (POST; tools schema, ask, graphql, explain) | https://graphpay-event.vercel.app/api/mcp, also published in ENS as graphpay.eth's agent-endpoint[mcp] |
| Our facilitator's health: relayer, balance, daily gas budget, floor | https://graphpay-event.vercel.app/api/facilitator/health |
| The payer agent's live state: ENS status, cap, spent today, last order | https://graphpay-event.vercel.app/api/state/customer |
Most links below open a public explorer or a live endpoint, and the rest open this repo's own records; nothing needs a login. Amounts are test USDT (0xcedfB56113143d55b2358b8CFbB0dEB5Ad2f55a7, 6 decimals). The good shop, Filter & Fold, is filter-and-fold.graphpay.eth since the label flip (#189, Sat 7 Nov); the payments before it went to its earlier name, kesar-kingdom.graphpay.eth, which pays into the same wallet. Checked against the explorers on Fri 6 Nov, about 23:10 IST.
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