Loyalty rewards for members who shop with AI agents When agents do the shopping, someone owns the wallet.
Paygent Labs builds the shopping agent a bank or
loyalty program keeps as its own, so its members still earn and spend points when AI does the
shopping. We have a working first version, and demo recordings that show how the solution works, with
rewards on Stellar testnet.
Commerce is moving to agents — and the bank or loyalty program
that does not run its own agent cedes the wallet relationship to the platform that does. We build
the white-label buyer-side agent they keep as their own: it holds their wallet, optimizes their
loyalty, and shops on their customer's behalf.
The Universal Commerce Protocol (Google, Shopify, 20+ partners across retail and payments)
standardizes the merchant side. Platform agents such as Google AI Mode and Gemini already buy under it,
and the card networks supply the agent credentials that authorize each purchase. Stripe and Square own
processing. What a bank or loyalty program lacks is a buyer-side agent it controls, so the customer
relationship stays with it.
UCP now standardizes how agents see earn, member status and member pricing, how
discount codes apply, and a split-payment frame that lets one checkout combine points with a card.
It leaves the points instrument itself to each implementer. In our
research1,
we have not found anyone shipping an instrument for spending points beside a card in agent
checkout, nor the card issuer's rewards alongside it. Our wallet contract handles the points side
its own way, shown in our recorded demo: it reserves the points, takes the shopper's per-item
approval, and captures them once the payment
succeeds, with card-by-card earn quotes self-attested against the same contract. In the demo the
points do not reduce the order total; that step belongs to the merchant's checkout.
That is our reading of the market, not yet proof of demand. We are testing interest
now, with the published demo.
1 Research as of October 2026. Read the
excerpt below, where the full summary is also available on request.
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The platform
Two engines, joined and shown.
Paygent and StellarBack are shown together in one recorded demo: Paygent's agent handles
payment and loyalty in one checkout, and StellarBack issues and redeems points on Stellar
testnet. Paydapter is the payment engine that exists, benched until it has a buyer. The
three-engine flywheel below is the design.
PaygentAI commerce agent — finds what to buy & recommends how to pay
applies the loyalty · recommends how to pay
StellarBackrewards layer — issues & redeems on-chain value
Stellar network branded points, on testnet today
Paydapterpayment orchestration — executes the transaction
A buyer-side agent with a real wallet, built on UCP's wire models: it discovers products across connected
catalogs, ranks a shopper's cards by the points each earns on the actual cart, applies points at
checkout — with all money and points math kept deterministic and out of the model's hands.
Built on UCP's wire models; merchant-side UCP integration on the roadmap
Pluggable wallet/loyalty provider: a bank's cards, a platform's balance, or our on-chain rewards
Four packagings of one core: embedded in a partner's app, white-label platform, an embeddable agent, or operated by us on our control plane
The wallet seam is a versioned, frozen contract, available on request — a bank's own wallet agent will be able to integrate without ever seeing our source
Closed-loop branded points on Stellar, running on testnet today: customers earn and redeem with zero crypto friction. Live issuance and self-custody withdrawals wait on a custody legal opinion.
Designed to interoperate across programs later → coalition network effects
Verifiable issuance: the gateway mints only against a signed earn attestation it verifies itself, so forged and replayed earns are refused, and every mint and burn is on the ledger. Attribution of sale credit is on the roadmap
One API to route transactions across Stripe, Square, PayPal and more — while every merchant keeps their own processor account. Benched until it has a buyer.
Bring-your-own-PSP onboarding, designed so merchants do not have to switch processors
Paydapter never custodies funds: payments settle in each merchant's own processor account
Designed as one commerce platform.
Paygent generates transactions. StellarBack creates retention through rewards. Paydapter
monetizes transaction flow. That flywheel is the design. Paygent and StellarBack are shown
together in one demo today, and Paydapter joins when it has a buyer.
Rewards demo
Your loyalty program, on our rails.
Our rewards proof of concept runs on Stellar testnet, with points issued on chain as CRWD, a
branded test asset. A short overview shows it working, from your program's rules
through an agent checkout to connecting it.
We are looking for a first design partner. If you run a loyalty program or a card rewards
program, we will take you through the testnet system live and talk about what a pilot would
look like for your members.
The product is being built. Now we need the people who will take it to market.
Co-founder
Business co-founder — go to market
Own everything about the company that is not engineering, as a full peer to the technical founder.
A fit if you have carried a number or run a rewards program at a PSP, card network, issuer or loyalty platform, and have been early at a startup before. No engineering background is needed.
Watch the overview3:51