Inspiration
As AI agents become more autonomous, they need a secure way to manage money, execute payments, and make financial decisions without constant human approval.
Traditional crypto wallets lack the privacy and enforceable spending controls needed for this.
We created H0.81 Capital to give AI agents financial independence while ensuring their funds remain protected by predefined rules.
What it does
H0.81 Capital is a private, programmable treasury platform for autonomous AI agents on Solana.
Our platform allows agents to:
Hold and manage USDG in private treasuries.
Execute payments under enforced spending limits.
Verify financial conditions using zero-knowledge proofs.
Delegate budgets to other AI agents.
Access private cashflow-based lending.
Prove financial information without revealing sensitive balances or transactions.
H0.81 enables AI agents to manage financial operations independently while maintaining privacy and security.
How we built it
We developed H0.81 using Solana smart contracts, zero-knowledge cryptography, and a TypeScript SDK.
Zero-knowledge proofs enforce spending limits and verify transactions without exposing private financial information.
Our Solana programs handle treasury management, lending, capacity staking, and lender protection.
We also developed an MCP server, Solana Agent Kit plugin, and x402 payment services to make H0.81 easier to integrate into existing AI applications.
Challenges we ran into
One of our biggest technical challenges was combining financial privacy with secure, autonomous payments.
We needed a system that could enforce spending rules without relying on centralized approval or exposing sensitive information.
Another challenge was integrating zero-knowledge proofs with Solana while keeping transactions efficient and making the platform accessible to developers.
Accomplishments that we're proud of
We successfully deployed H0.81 on Solana mainnet and developed a working financial infrastructure platform for AI agents.
Our accomplishments include:
Private USDG treasuries with enforced spending limits.
On-chain verification of zero-knowledge proofs.
Automated payments and private lending infrastructure.
A public dashboard displaying real on-chain activity.
An open-source TypeScript SDK and developer integrations.
Our dashboard has recorded over 5,000 transactions, 1,100 verified zero-knowledge proofs, and more than 90 funded loans as of November 9, 2026.
What we learned
Building H0.81 demonstrated the importance of balancing financial privacy, automation, and security.
We learned that AI agents need more than access to a wallet. They need financial infrastructure that can independently enforce rules and provide verifiable evidence of their activity.
We also gained experience developing zero-knowledge systems, Solana programs, and tools that make complex blockchain functionality easier for developers to use.
What's next for H0.81 Capital
Our next priorities are:
Complete independent security audits.
Expand integrations with AI agent frameworks.
Improve developer tools and onboarding.
Build partnerships with stablecoin providers and financial institutions.
Grow adoption among developers and businesses.
Expand private payment and lending capabilities.
Our long-term goal is to make H0.81 essential financial infrastructure for autonomous AI agents.
Built With
- ai-agents
- blockchain
- defi
- groth16
- mcp
- smart-contracts
- solana
- solana-agent-kit
- spl-tokens
- typescript
- usdg
- web3
- x402
- zero-knowledge-proofs
