Sardis v0.9.0: Multi-Provider Fiat Rails + AI Framework Integrations

v0.9.0 is the biggest infrastructure release yet: Stripe Treasury + Issuing for fiat operations, Coinbase Onramp for zero-fee USDC purchases, a sub-ledger system for per-agent fiat balances, and integrations across every major AI framework: OpenAI, Gemini, Claude (MCP), and ChatGPT Actions.

Multi-Provider Fiat Architecture

Sardis now supports multiple fiat providers behind a unified abstraction layer. The new RampRouter automatically selects the best provider based on token type, direction, and fees, with automatic fallback when a provider fails.

Stripe Treasury

The new StripeTreasuryProvider gives Sardis a complete fiat backbone: financial accounts with real IBAN/account numbers, balance queries, outbound payments, and Treasury-to-Issuing fund transfers. Stripe holds the money transmitter license, Sardis stays non-custodial.

• Financial account creation and management
• Real-time balance queries across available, pending, and reserved funds
• Outbound payments (ACH, wire) with automatic status tracking
• Treasury-to-Issuing fund transfers for card operations
• Webhook handling for all Treasury lifecycle events

Stripe Issuing

Virtual card issuance now runs on Stripe Issuing. The StripeIssuingProvider implements the full CardProvider ABC with real-time authorization webhooks for instant spending decisions.

• Full card lifecycle: create, update, freeze, terminate
• Per-card spending limits with automatic enforcement
• Real-time authorization webhook for policy-based approve/decline
• Automatic card-to-agent mapping in the sub-ledger

Coinbase Onramp

USDC purchases now route through Coinbase Onramp by default, 0% fee for USDC on Base. The smart RampRouter automatically picks Coinbase for USDC and falls back to Bridge for other tokens.

Sub-Ledger System

The new SubLedgerManager tracks per-agent fiat balances within Sardis's single platform Treasury account. Every deposit, withdrawal, card funding, and settlement is recorded as a typed transaction with full audit trail.

• Per-agent balance tracking with asyncio-safe concurrent access
• Typed transactions: DEPOSIT, WITHDRAWAL, CARD_FUND, CARD_SETTLEMENT, CARD_REFUND, OFF_RAMP, ON_RAMP
• Treasury reconciliation to detect and flag drift between sub-ledger totals and actual Treasury balance
• Transaction history queries with time-range and type filtering

End-to-End Fiat Orchestrator

The FiatPaymentOrchestrator ties everything together: Treasury, Issuing, RampRouter, and SubLedger into complete payment flows with automatic rollback on failure.

• Card payment: Check sub-ledger balance, fund virtual card, execute charge
• Fiat deposit: Inbound payment, credit sub-ledger, optionally fund card
• Fiat withdrawal: Debit sub-ledger, outbound payment via Treasury
• Crypto-to-card: Off-ramp USDC, deposit to Treasury, fund card, ready for real-world spend

AI Framework Integrations

v0.9.0 ships payment tools for every major AI agent framework. One integration, every platform:

• OpenClaw Skill -- sardis-openclaw publishes a SKILL.md manifest for OpenClaw-compatible agents
• OpenAI Function Calling -- sardis-openai provides strict-mode JSON schema tools for GPT-4 function calling
• Google Gemini (ADK) -- sardis-adk includes Gemini FunctionDeclaration adapters
• MCP Fiat Tools -- 5 new tools: fiat_deposit, fiat_withdraw, fiat_card_payment, fiat_balance, fiat_crypto_to_card
• ChatGPT Actions -- /openapi-actions.yaml spec exposes 8 API endpoints as ChatGPT Actions

What This Means

With v0.9.0, Sardis agents can operate in both crypto and fiat worlds simultaneously. An agent can hold USDC in its MPC wallet, convert to fiat via Coinbase, fund a virtual card via Stripe, and pay for real-world services -- all governed by the same spending policy engine, KYA verification, and audit trail.

pip install sardis==0.9.0
npm install @sardis/sdk@latest