An agent that earns USDC (selling services via x402, completing bounties, running an API) eventually needs to turn earnings into money its owner can spend. The compliant pattern has three properties: the agent never holds banking credentials, the human owner stays in the loop for the final confirmation, and no intermediary ever custodies the funds.
1. Agent checks the rate (free, no auth):
curl "https://fiatdock.com/v1/quote?side=SELL&cryptoAmount=50"2. Agent creates a session — paying the $0.05 USDC fee automatically from its own wallet via x402. With MCP this is one tool call (create_offramp_session); with REST it's one POST /v1/offramp/session.
3. Agent forwards the one-time checkoutUrl to its owner (valid ~5 minutes). The owner completes the transfer at the licensed provider — KYC happens once, ever. Fiat settles in the owner's own bank account.
4. Agent tracks completion via free polling or an HMAC-signed webhook, then carries on.
# Any MCP host (Claude, Cursor, Windsurf, Gemini CLI...):
npx -y fiatdock-mcp # env: AGENT_PRIVATE_KEY=0x... for auto-pay
# Remote, zero-install (free tools + 402 challenges):
https://fiatdock.com/mcp
# No MCP? Function-calling schemas mapped to REST:
curl https://fiatdock.com/tools.jsonPer-client configs (Claude Desktop/Code, Cursor, VS Code, Windsurf, Gemini CLI, OpenAI Agents SDK, LangChain, CrewAI): INTEGRATIONS.md.
The own-account rule is binding: the wallet sending USDC and the bank account receiving fiat must belong to the same verified person — the agent's owner. No third-party funds, no aggregating other users, no person-to-person transfers. The agent acts strictly on behalf of its verified owner. FiatDock is a technology layer; conversion, KYC and custody are performed by Transak, a licensed provider.
More guides: USDC to bank account API · x402 off-ramp explained · MCP payments server · FAQ
Eligibility: 18+, Portugal + Transak-supported EU/EEA countries (not the UK or restricted jurisdictions — see Terms). Quotes are indicative; crypto is volatile; nothing here is investment advice.