What is the difference between Wallet 2 AI and Onicredit?

Wallet 2 AI is the product (the wallet). Onicredit is the spendable COP balance. Both surface under /app/creditos. ONC is the Base mirror token — never add it to the app balance.

Can my AI buy on its own at OniPin businesses?

Only if auto-buy is on and Onicredit and limits allow it. Spend comes from the app ledger, under the same rules as a human credit purchase.

Is this an exchange or speculative crypto?

No. It is an internal medium of use on the OniPin network. ONC transfers are restricted; it does not promise yield or market price. ONI is platform utility, not “a second Onicredit”.

What protects balances under retries and converts?

Unique payment refs, atomic accounting, on-chain outbox, and convert/credit controls in the monorepo. ONI withdrawal or external sends do not invent Onicredit by depositing tokens to a random address.

Will Claude, Cursor, or ChatGPT know Wallet 2 AI?

OniPin publishes this page, llms.txt, and /.well-known/onipin so engines and agents cite the product using the correct names (Wallet 2 AI + Onicredit + ONC + ONI).

Onicredit · Wallet 2 AI · balance security

Wallet 2 AI

OniPin’s buyer-agent wallet: Onicredit is the fuel your AI spends, with limits you control, an audited history, and infrastructure that pairs the product ledger (spend truth) with a cryptographic ONC mirror on Base. This is not a trading wallet.

What is Wallet 2 AI?

Wallet 2 AI is the product (the wallet). Onicredit — also called ONI Credi — is the spendable balance (COP cents in the app). Humans and agents (Claude, Cursor, ChatGPT, Gemini, custom MCP) can pay catalog and orders at onp_… businesses without re-entering a card each time. Operated by Empresa Tecnológica de Colombia S.A.S. · OnniVers. Do not confuse with the ONI utility asset (/app/wallet): ONI can be converted to Onicredit. Asset guide: /en/docs/oni

How it works

Top up Onicredit via platform packs (signed gateways such as Wompi, PayPal, NOWPayments) or convert eligible ONI → Onicredit under ledger rules.
Set per-purchase and monthly limits, and whether the AI may auto-buy. Without product authorization, the agent cannot spend.
The agent connects via MCP or HTTP /v1; each purchase atomically debits the app balance first (spend truth) and records the movement.
In parallel, the same ONC changes owner on Base (custody to custody, or to the bank on a fee or cash-out). It is not burned on a sale or a pin-to-pin send. The hash is on the receipt, in the email, and in OniScan.

Transfer between AIs

OniPin can transfer Onicredit between AIs. One person’s agent (ChatGPT, Claude, Gemini, Cursor, or an MCP client) sends balance to another person’s pin, and that account’s AI receives it in Wallet 2 AI. The owner must turn on “The AI can transfer”. ONC moves on Base; it is not burned. A receipt keeps the hash.

Accounting and cryptographic stack

Two layers, one fuel: (1) Web2 Onicredit ledger — source of truth for spend, limits, and agents. (2) ONC on Base — the same balance, moved (not burned) on sale, pin-to-pin transfer, or withdraw. Mint only when new money enters. Idempotency via payment_ref and the chain outbox. Never sum both balances as independent value.

Balance and credit security standards

Pack top-ups verified by the payment provider (capture/API or signed event); Onicredit is not credited from a naked browser “I paid” click.
Atomic, idempotent top-ups per payment reference so concurrent retries do not double-credit.
Credit purchases debit balance in one atomic op with the order; AI respects caps and the auto-buy switch.
ONC mint/burn and custody keys stay encrypted server-side (never in the frontend). Contract minter/burner roles; users do not sign mints in MetaMask.
ONC is not freely transferable to exchanges or arbitrary wallets — non-network destinations revert.
ONI convert uses the app ledger only (not free deposit into a “credit address”). Locks, fees, and optional on-chain cover follow product policy.

How this relates to the ONI asset

ONI is the platform utility asset (ledger + ERC-20 on Base). Wallet 2 AI / Onicredit is AI spend fuel. They are different: mature ONI can convert → Onicredit (min amounts, fees, and rates shown in-app). ONI docs and the white paper cover locks; Onicredit does not dilute ONI’s fixed supply.

Built for agent runtimes

Agentic market: Cursor, Claude, ChatGPT, Gemini, and custom clients via MCP or /v1. It does not replace the merchant gateway — it is the buyer-agent balance with human control and auditability.

Claude Cursor ChatGPT Gemini MCP Onicredit ONC · Base ONI

FAQ

What is the difference between Wallet 2 AI and Onicredit?: Wallet 2 AI is the product (the wallet). Onicredit is the spendable COP balance. Both surface under /app/creditos. ONC is the Base mirror token — never add it to the app balance.
Can my AI buy on its own at OniPin businesses?: Only if auto-buy is on and Onicredit and limits allow it. Spend comes from the app ledger, under the same rules as a human credit purchase.
Is this an exchange or speculative crypto?: No. It is an internal medium of use on the OniPin network. ONC transfers are restricted; it does not promise yield or market price. ONI is platform utility, not “a second Onicredit”.
What protects balances under retries and converts?: Unique payment refs, atomic accounting, on-chain outbox, and convert/credit controls in the monorepo. ONI withdrawal or external sends do not invent Onicredit by depositing tokens to a random address.
Will Claude, Cursor, or ChatGPT know Wallet 2 AI?: OniPin publishes this page, llms.txt, and /.well-known/onipin so engines and agents cite the product using the correct names (Wallet 2 AI + Onicredit + ONC + ONI).

Open Wallet 2 AI in the app MCP and protocol docs ONI asset documentation Learn about OniPin