⬡ OpenChainGraph · Tempo Network · 7 workflows · 8 tools · ART-34 through ART-41
OpenChainGraph · Tempo Network

Tempo Network · Verifiable Workflow Guide

Free, browser-based workflows for teams building on Tempo, the payments-first L1 from Stripe and Paradigm (mainnet live March 18, 2026). Each one handles a specific job: sizing the business case for moving payment volume onto Tempo, checking a stablecoin issuance plan against the GENIUS Act and MiCA, screening TIP-20 transfers for sanctions and Travel Rule obligations, or setting spend controls for an MPP agent. Everything runs locally in your browser. There is no backend, no signup, and no data leaves your machine. Every result carries a hash, so a counterparty can rerun the same workflow on the same inputs and confirm they get the same answer.

Written for compliance, payments, and treasury teams, and for engineers at companies evaluating Tempo: stablecoin issuers, PSPs, merchants preparing for agentic checkout, and prospective validator operators. This is an independent project by Post Oak Labs, not a Tempo product.

ART-34 → ART-41 · 8 tools GENIUS Act · PPSI AML Rule EU MiCA · Reg. 2023/1114 FATF Travel Rule ISO 20022 · pacs.008 TIP-20 · TIP-403 · MPP · Zones Client-side · Zero PII
Not sure where to start? Answer a short questionnaire and get a grade for each of the four Tempo use cases (issue a stablecoin, accept payments, run an agent, sell to agents), plus a suggestion for which workflow to run first.
⬡ Run the fit diagnostic →
Background
What is Tempo?

Tempo is a payments-first layer-1 blockchain designed to make programmable money work for real-world financial institutions. Mainnet launched March 18, 2026, backed by Stripe and Paradigm. The network is built around four core primitives: TIP-20 (the token standard), TIP-403 (the policy layer), MPP (the machine payment protocol), and Zones (private permissioned parallel chains launched June 2026).

TIP-20 defines the Tempo token standard: 32-byte memo fields for payment metadata, immutable currency code (USD), supply caps, and RBAC-controlled mint/burn/freeze authority. TIP-403 adds token-level whitelist, blacklist, and freeze controls that propagate across zones, which is what makes compliant stablecoin issuance and on-chain AML enforcement possible. MPP (Machine Payment Protocol) is the OAuth-for-money layer: AI agents use HTTP 402 + MPP session tokens to pay for services, live since March 2026. Zones (June 2026) are private permissioned parallel chains where operators see all transactions, users see only their own, and outsiders see only ZK validity proofs. That combination supports payroll, treasury, and institutional settlement without giving up AML surveillance.

Mainnet launch
March 18, 2026 · Stripe + Paradigm
Token standard
TIP-20 · 32-byte memo · USD · supply caps · RBAC
Policy layer
TIP-403 · whitelist / blacklist / freeze (cross-zone)
Agent payments
MPP · HTTP 402 · OAuth for money · live March 2026
Zones
Private permissioned parallel chains · June 2026
Custody / settlement
Kraken institutional custody · Flutterwave Africa (June 2026)
Design partners (announced)
Visa · Mastercard · Deutsche Bank · Standard Chartered · Revolut · Nubank · Shopify · OpenAI · Anthropic · Ramp · DoorDash
OpenChainGraph
Seven workflows and one standalone tool

Each workflow covers a distinct Tempo use case. If you are not sure which ones apply to you, run the fit diagnostic first; it recommends an order. The validator readiness scorer stands alone, for organizations weighing whether to run a node.

Start here · Diagnostic
Tempo Fit Diagnostic
Answer a short questionnaire and get an A to F grade for each of the four Tempo use cases: issuing a stablecoin, accepting payments, running an agent, and selling to agents. Points you to the workflow worth running first.
ART-34 · 1 node · run_tempo_fit_diagnostic
→ Open the diagnostic
Payments economics
Payments Business Case
Estimates what your organization saves each year by moving volume from cards, wires, ACH, or SWIFT onto Tempo, in dollars and basis points, and suggests a migration order with payback periods. The output is a report you can put in front of a CFO, with a hash so anyone can rerun the math.
ART-35 · 1 node · model_tempo_payment_economics
→ Open this workflow
Stablecoin issuance
Stablecoin Issuance Workflow
Checks a planned TIP-20 token configuration and its TIP-403 policy setup, then runs the GENIUS Act reserve pre-check and an AML pre-screen. Covers both the US GENIUS Act and EU MiCA regimes and produces the annual-certification mandate document.
ART-37 + ART-06 + ART-10 · 3 nodes
→ Open this workflow
Agent payments · MPP
MPP Agent Mandate Workflow
Takes an MPP session, builds the payment mandate and spend policy for the agent, and finishes with a know-your-agent attestation. Works both ways: the agent side produces the result and the merchant side reruns it to confirm, using the agent's did:key identity.
ART-36 + ART-01 + ART-02 + ART-04 · 4 nodes
→ Open this workflow
On-chain AML
On-Chain AML Workflow
Screens batches of TIP-20 transfers against the OFAC sanctions list and FATF Travel Rule thresholds, and works out whether a suspicious activity report is needed. Sending and receiving institutions can each rerun the screen and confirm the other's result.
ART-37 + ART-38 + ART-10 · 3 nodes
→ Open this workflow
Zone disclosure
Zone Disclosure Workflow
Checks a Zone's privacy setup against AML obligations, including how TIP-403 controls carry across zones, and produces a selective-disclosure attestation for a board or regulator. Compliance surveillance stays intact while competitors learn nothing.
ART-38 + ART-39 + CRY-01 · 3 nodes
→ Open this workflow
Agentic checkout
Agentic Checkout Workflow
Helps you pick a checkout protocol (x402, MPP, ACP, or Visa TAP), then maps the settlement onto TIP-20, including the crosswalk from Tempo's 32-byte memo to the ISO 20022 pacs.008 remittance field. Ends with a settlement receipt.
ART-26 + ART-40 · 2 nodes · pacs.008-subset
→ Open this workflow
Standalone · Infrastructure
Validator Readiness Scorer
Twelve questions on infrastructure readiness for running a Tempo validator: hardware (CPU, RAM, NVMe), OS configuration (glibc 2.38 or later, chrony or ntpd), ed25519 key management, telemetry, and the seven-day upgrade SLA. Also flags that validator entry is permissioned; contact [email protected].
ART-41 · 1 node · score_tempo_validator_readiness
→ Open the scorer
Compliance context
Regulatory anchors

Tempo stablecoin issuers, VASPs, and operators face a dual-regime compliance landscape. The workflows above stick to the regulatory sources cited below and do not go beyond them.

US · Federal GENIUS Act (enacted): §4(a)(11) yield prohibition; 1:1 reserve requirement; monthly attestation; PPSI status determination. GENIUS PPSI AML Rule: Fed. Reg. 2026-06963 (NPRM April 2026); BSA obligations for payment stablecoin issuers. OFAC: SDN list screening for TIP-20 transfers.
EU MiCA: EU Reg. 2023/1114; e-money token (EMT) obligations include reserve requirements (Art. 36), white paper (Art. 17–19), and the supervisory regime under Title III.
FATF Travel Rule: originator/beneficiary information required for virtual asset transfers ≥$3,000. Both sending and receiving VASP obligations apply.
Standards ISO 20022: pacs.008 crosswalk (ART-40) mapping the 32-byte Tempo memo to remittance_information and sender/receiver to debtor/creditor. TIP-20 / TIP-403: Tempo token and policy specs. AP2 v0.2: Intent→Cart→Payment mandate structure. MPP: Machine Payment Protocol (github.com/tempoxyz/mpp-specs). W3C PROF: dct:conformsTo profile URIs for OpenChainGraph node classification.
OpenChainGraph
How verification works on this page

Every tool on this page emits an OpenChainGraph artifact with the following properties, consistent across ART-34 through ART-41 and CRY-01.

  • chaingraph_version All nodes emit chaingraph_version: "0.4.0" in their §4 artifact payload, so consuming systems can verify schema compatibility before ingesting the artifact.
  • ISO 20022 profile Nodes are classified under two ISO 20022 semantic profiles: pacs.008-subset for payment and settlement nodes (ART-35, ART-38, ART-40) or party-identification for configuration and scoring nodes (ART-34, ART-36, ART-37, ART-39, ART-41). Profile assignment is declared in the §4 artifact metadata.
  • dct:conformsTo URIs Each §4 artifact carries a dct:conformsTo URI per W3C PROF, enabling linked-data consumers to validate artifact content against the declared OpenChainGraph profile without reading the full artifact body.
  • did:key identity The MPP Agent Mandate workflow uses did:key agent identity for the executing agent's DID and the delegation chain from human principal to sub-agent. The did:key is embedded in the ART-36 session mandate and carried through ART-04's KYA attestation.
  • execution_hash All promoted nodes emit a §4 execution_hash that covers node inputs, processing parameters, and outputs. Bilateral verification: either party in a bilateral workflow can re-run verify_execution_hash against the hash to confirm the node was run as claimed, without sharing internal policy or configuration.
Other OpenChainGraph hubs
OpenChainGraph Hub → GENIUS Act & Stablecoin Hub Stablecoin Compliance Chain All Tools →