Paygent is a commerce agent with a real wallet: it finds the product, watches the price, computes which card actually earns the most on this exact cart, applies your points as a live discount — and completes checkout on your terms, even while you sleep.
Built on the Universal Commerce Protocol — the open standard backed by the payments industry.
Most shopping assistants stop at recommendations. Paygent holds the wallet — so discovery, loyalty, and payment happen in one conversation.
Searches across UCP-connected catalogs and merchants — one conversation, every store that speaks the standard.
Computes real per-card earning on the actual cart — multipliers, bonuses, thresholds — and recommends the card that wins. Server-computed, never hallucinated.
Applies loyalty points as a live discount at payment time — the charge is reduced, not rebated later. Escrowed, atomic, auditable.
Set a target — a price, a percentage, "cheaper than last month." When it hits, the agent completes the purchase with your pre-approved terms.
Every autonomous purchase carries verifiable proof: this user approved these items at this price. Merchants can check it; nobody has to trust a chat log.
The wallet and loyalty program are pluggable — a bank's cards, a platform's balance, a merchant's program. Paygent is the agent; the wallet stays yours.
Natural language — a product, a budget, a price condition. Voice or text.
Finds it across connected catalogs, compares, and arms a price watch if you set a target.
Best card by real earning on this cart; points applied as a live discount. All computed deterministically.
Payment completes — immediately or when your watch fires — with a scoped, verifiable spend authorization.
Agents get judgment. Money gets math.
Every dollar and every point in Paygent is computed by deterministic, audited services —
the AI decides what to do, never how much things cost.
Escrowed point reservations, idempotent checkout, crash-safe capture, and verbatim-verified financial facts. Bank-grade correctness inside an agent loop — because "the model probably got it right" is not a payments architecture.
Paygent is built to be embedded — the same engine ships three ways.
Surface the agent inside your banking or commerce app under your brand, bound to your cards and your loyalty program. Your customers, your relationship — now with an agent that makes your rewards the default.
A multi-tenant agentic-commerce backend plus mobile and web SDKs. Bring your catalog, your branding, and your wallet provider — or use ours.
Already running an assistant? Paygent plugs in as the commerce capability over standard surfaces — agent card, MCP, UCP — and your host keeps the conversation.
We're partnering with a small number of banks, platforms, and loyalty programs ahead of general availability.