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AbabilPay includes a built-in AI agent layer that automates routine payment operations — so merchants spend less time on manual tasks and more time on their business. Agents react to payment events in real time, take action on behalf of the merchant, and log every decision for full auditability.

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What agents do for you

Auto-Convert

When a customer pays with a non-USDC token, the auto-convert agent fetches the best available rate, executes the swap, and credits your wallet in USDC — automatically.

Invoice Follow-up

Before a due date, the agent sends personalized reminders to customers. After an invoice goes overdue, it escalates follow-up and updates invoice status without manual intervention.

Fraud Detection

Every transaction is reviewed in real time. The agent flags unusual amounts, new destination wallets, and behavioral patterns that deviate from your typical activity.

Merchant Insights

Weekly revenue summaries, 30-day cash-flow forecasts, and customer trend detection delivered to your inbox or dashboard — no manual reporting needed.

Bridge Routing

When bridging USDC across chains, the agent selects the optimal route based on current gas prices, fees, and speed — saving cost without requiring manual chain selection.

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Agent behavior

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Auto-convert

When a non-USDC deposit is detected:
  1. The agent fetches a conversion quote at the best available market rate.
  2. It checks that slippage stays within acceptable bounds (max 0.5%).
  3. If approved, the swap executes and USDC is credited to your wallet.
  4. If slippage exceeds the limit, the conversion is queued and retried.
You can configure auto-convert to run automatically, require your approval before executing, or trigger only above a threshold amount.
ModeBehavior
Always convertDefault. Every non-USDC deposit is swapped without user action.
Manual confirmYou receive a notification and approve before execution.
Threshold modeConversion runs only above a configured USD amount.
Supported tokens: ETH, MATIC, SOL, BNB, USDT, DAI, WBTC, AVAX, ARB, and liquid ERC-20 assets.

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Invoice follow-up

The invoice agent monitors due dates and automates the collection workflow:
StateAgent action
3 days before dueSends a polite payment reminder to the customer.
1 day before dueSends a final reminder.
Due date passedMarks invoice overdue, sends escalation message.
PaidCloses the follow-up sequence and logs completion.

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Fraud detection

Every outgoing transfer and payment is reviewed before and after settlement:
  • Flags transfers to wallet addresses your account has never used before.
  • Detects unusual amounts relative to your typical transaction patterns.
  • Can hold a suspicious transfer for your review before it executes.
  • All flagged events appear in your dashboard for one-click approval or rejection.

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Bridge routing

When you initiate a cross-chain USDC transfer, the agent:
  1. Fetches live gas prices and bridge fees across all available routes.
  2. Estimates total cost and time for each option.
  3. Selects the route that best balances speed and cost for your transfer size.
  4. Executes the transfer and tracks settlement status in real time.

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Auditability

Every agent action is recorded with a full audit trail — the agent type, what action was taken, the input context, the outcome, and an optional risk score. This keeps automated operations inspectable for compliance review, support, and your own records. You can view agent activity in the Dashboard → Activity Log at any time.