The future of programmable payments / Send money that unlocks when your chosen condition is met. Community - https://nitter.gq/t.co/cj0OKl6qA3
IF / SO
Joined October 2026
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x402 pay on delivery.
x402 lets AI agents pay for online services. With IFSO, the USDG goes to a dedicated payment address on Robinhood Chain and is held during an agreed waiting period.
If the buyer raises no dispute before that period ends, the seller can collect the payment.
If the buyer disputes, a referee chosen for that payment decides who gets the money. If the referee hasn't decided by expiry, the buyer can get a refund.
The buyer can authorize a dispute with a wallet signature. The agent doesn't need to send a blockchain transaction itself.
For developers, the seller's x402 payment request can use the IFSO address as payTo. A payment facilitator that already supports USDG can fund that address without changing its process.
This update adds four MCP tools, a TypeScript SDK with Express middleware, and new API routes.
x402 fee: 0.02 USDG per payment.
x402 limit: 100 USDG per payment.
Ordinary payment fee: 0.25 USDG, unchanged.
Existing payments created with the original v2 factory keep working.
ifso.tech
payment infra on @RobinhoodApp Chain is incoming
contracts are already on mainnet. the front door is next for the people $IFSO.
IFSO v2 is on mainnet on @RobinhoodApp Chain. verified, running, receipts below
v2: github.com/ifsodev/ifso/comm…
x402 pay on delivery: github.com/ifsodev/ifso/comm…
frontend's still catching up, wiring it now. button incoming
Main Dev is awake, to answer any further questions about the project $IFSO.
gm.☀️ I see price has fallen on $IFSO.
My devs have been shipping v2 and its entirety, once shipped we’ll be the first with full payment rails/infra on @robinhoodapp.
Back to work, wiling to answer all questions as well in replies
how IFSO v2 is built
v1's condition engine and resolver are already live on @RobinhoodApp Chain, and any contract can call them. v2 sits on top. nothing redeployed
one payment = one vault at CREATE2(terms). change any term and the address changes
five ways to fund it: EIP-3009, Permit2, permit, native ETH, a plain transfer
money can only go 3 places: the recipient, back to the sender, or a flat fee
no owner, no pause, no upgrade on a vault
106/106 contract tests passing, 256 fuzz runs on refunds after expiry
external review before mainnet funds
built on @chainlink feeds and @Uniswap Permit2
If an IFSO transaction gets stuck for a minute, we retry the same transaction with a higher network fee to help it go through.
ifso.tech
GitHub: github.com/ifsodev/ifso/rele…
IFSO v2, the full picture
v1 has been live on @RobinhoodApp Chain since Nov 6. send $USDG that only moves if something happens. they claim with a passkey. if it doesn't happen, it comes back
v2 takes that to every payment on the chain
- USDG from @Paxos, USDe from @ethena_labs, ETH, Stock Tokens, cbBTC
- every payment gets its own address before it exists, so you can fund it from the Robinhood app, @MoonPay, @AcrossProtocol or @LayerZero_Core
- send, request, checkout, streams, payroll, allowances, pots, agent jobs
- any of it can wait for a date, a @chainlink price, a match result or a referee
nobody can take it. not even us
first wave is shipping very soon
went digging through the $IFSO bot and found a gap: you could check a payment, but you couldn't ask the one thing that matters, can I still pull this back?
fixed. /cancel + your payment number
still undecided → the bot tells you and opens the app, your own wallet cancels it
locked → it says so, and when the money comes back on its own
already decided, or it can't reach the chain → it tells you, no guessing
the bot never signs anything. small fix, fewer surprises on @RobinhoodApp Chain
ifso.tech
github.com/ifsodev/ifso/rele…
IFSO v2. One address per payment.
Every if-so payment now gets its own address on Robinhood Chain. Fund it with USDG, USDe or ETH.
With USDG, you sign once. No ETH needed for gas.
The receiver can collect when the condition is met. If it isn't met by expiry, you can get your funds back.
Need to get paid? Send /request in the IFSO bot and share the link. The payer opens it and funds a conditional payment to you.
Three new MCP tools for AI agents:
ifso_prepare_v2_payment
ifso_get_v2_payment
ifso_create_request
The MCP never signs or sends transactions. You review and sign in your own wallet.
Launch limits per payment:
100 USDG
100 USDe
0.03 ETH
We'll raise these in steps. The contracts are owned by the IFSO multisig.
ifso.tech
github.com/ifsodev/ifso/rele…
We’ve known of $PAYAI for so long, somewhat looked up to them long long ago.
This is what we built IFSO for.
Lock USDG on Robinhood Chain with a condition and an expiry. If it's still unresolved when time runs out, anyone can trigger the refund.
You know the rules before the money leaves your wallet.
ifso.tech
New: a plain-language timeline for every payment, with explorer links, at /v1/escrow/<id>/timeline.
- ifso.tech
GitHub:
github.com/ifsodev/ifso/rele…
money on @RobinhoodApp Chain moves the second you hit send
what if it waited
for a date. a price. a match. a referee.
and came back to you if it never happened
$IFSO v2 is coming. the payment layer for Robinhood Chain
Loading . . .
v2 will make the the payment layer of @RobinhoodApp chain.
We got the manpower to get this done this week.
And the connections to get it to the masses once built.
We’d love to have a handful of community members already on tg helping us test a few things❤️
New: sign in once with your wallet and use Holder features for two hours. One signature, no money moves, and your level is rechecked every time.
- ifso.tech
GitHub:
github.com/ifsodev/ifso/rele…
new on IFSO:
/v1/stats now shows every if-so payment by state (open, met, released, returned, voided, cancelled), the total created and the total USDG put in.
refreshed every minute, no sign-up, no key. open numbers for everyone on @RobinhoodApp Chain.
- api.ifso.tech/v1/stats
- ifso.tech