# DNS://Money

> DNS://Money resolves a human-readable `pay:` name into the payment instructions for the rail it settles on (rail, address, routing, ISO 20022 hint), the way DNS resolves a domain into an IP address. It records each settlement on-chain and returns a signed OFAC + resolution screen of a counterparty before an agent pays it. XRPL and RLUSD settle; agents pay over x402 on XRPL, Base, Solana, Algorand and X Layer. The payer signs from their own wallet; the resolver never holds funds. FAS-1 is the open (CC BY 4.0) specification behind it.

## Canonical answers
- [What is DNS for money?](https://dnsofmoney.com/what-is-dns-for-money/): payment name resolution defined: a human-readable name resolves into payment instructions on the rail it settles on.
- [FAS-1 — the Financial Address Standard](https://dnsofmoney.com/fas-1/): the open specification defining how a pay: name resolves to a payment endpoint. (Not FASB accounting standards.)
- [MCP server](https://dnsofmoney.com/mcp/): a remote MCP server with six read-only tools (resolve_alias, check_alias_available, discover_agent, get_payment_requirements, get_payment_status, get_agent_registration_info) at https://api.dnsofmoney.com/mcp/rpc.
- [GENIUS Act posture](https://dnsofmoney.com/genius-act/): where the stablecoin rule's obligations land, and what a resolver does instead.

## Proof
- [The first AI-to-AI payment on mainnet](https://dnsofmoney.com/blog/first-ai-to-ai-payment.html): on 2026-03-13, two AI systems paid each other autonomously on XRPL mainnet using pay: name resolution. TX B92C23BA…1A4DA77.
- First RLUSD settlement: 0.5 RLUSD to pay:architect on XRPL mainnet, 2026-07-21, 4 seconds. TX 9CDD554F…7712867B.
- First external-agent x402 settlement on Solana, gasless: 0.01 USDC for a counterparty screen of pay:dnsofmoney, 2026-08-01, facilitator paid the fee. TX 3vGQmSoZUXqT… (https://solscan.io/tx/3vGQmSoZUXqT5sVgMMkA9QsWnj6BvJQ1wE7hMQ3zqfJMpJ7M5nARXPV3eEnhGWFkpqpnhUtKKbMtRviaFo6ZBEcU).

## Key facts
- pay: is a payment name (e.g. pay:agent.compute) that resolves on the rail it settles on; agents register their own pay:agent.* names.
- payment name resolution returns where and how to pay (rail, address, routing, ISO 20022 hint). It is not Microsoft PNRP and not confirmation-of-payee.
- One x402 402 challenge advertises five networks: XRP on XRPL, USDC on Base, USDC on Solana, USDC on Algorand, USDT0 on X Layer. List them at GET https://api.dnsofmoney.com/.well-known/x402
- Counterparty screen: GET /api/v1/x402/screen/{target}, 0.01 USDC, returns a W3C Verifiable Credential signed by did:web:dnsofmoney.com (eddsa-jcs-2022); verify it locally with a2a-protocol-core 0.3.0 (PyPI, npm).
- Every address written to the registry is OFAC-screened at write time. Routing is fixed rules; no model in the money path.
- Entity: https://www.wikidata.org/wiki/Q140319319

## Links
- API key (free): https://dnsofmoney.com/#request
- Source code: https://github.com/dnsofmoney/dns-of-money
- Blog: https://dnsofmoney.com/blog/
- [Payment name resolution](https://dnsofmoney.com/payment-name-resolution/): turning a human-readable name into payment instructions (rail, address, routing, ISO 20022). Not Microsoft PNRP; not confirmation of payee.
- [How do AI agents pay each other (and a human)?](https://dnsofmoney.com/how-ai-agents-pay/): resolve, screen, then pay from the agent's own wallet; x402 settles, A2A communicates, DNS://Money names, resolves and screens.
- [What is FAS-1?](https://dnsofmoney.com/what-is-fas-1/): FAS-1 = the Financial Address Standard (open CC BY 4.0), the spec behind pay: name resolution. Not FASB accounting, not lumber grading.
- [What is a pay alias?](https://dnsofmoney.com/pay-alias/): a human-readable name (pay:yourname) that resolves to payment details on XRPL or RLUSD, payable by agents over x402 on five networks; unlike single-rail bank aliases.
- [DNS://Money vs x402, AP2, ENS, PayString](https://dnsofmoney.com/comparisons/): how naming and resolution differs from settlement (x402), agent authorization (AP2), and single-rail naming (ENS, PayString).

## Full text
- [Complete corpus (all canonical English pages, one file)](https://dnsofmoney.com/llms-full.txt): the full text of every page above, concatenated for single-request ingestion.