Paygent Labs builds the infrastructure that lets AI shopping agents find products, recommend how to pay for the most value on each cart, and help shoppers earn rewards — wherever they shop.
Three platform layers make that work: the shopping agent, the payment rails behind it, and the rewards layer on top — each one strengthening the others.
The thesis is on the company page: read it →
An emerging category, standardized by the Universal Commerce Protocol — launched with Google, Shopify, Visa, Mastercard and Stripe behind it — with room for a white-label buyer-side agent that banks and loyalty programs control.
A growing category as platforms refuse single-processor lock-in (Spreedly, Primer, Gr4vy validate the buyer).
Points sit as unloved balance-sheet liability; programs are siloed, expiring, and universally disliked.
The platform and its three products are on the company page: see them →
The difficult
primitives already exist.
We are now assembling them into the platform.
✓ built · ◐ in progress
Today Paygent ranks a member's cards by the points each earns on the cart. Where it goes: the most value on each purchase, counting merchant offers tied to a card and payment methods beyond cards.
“Agents get judgment, money gets math.” The architecture principle behind everything we build.
Built on UCP’s wire models from day one, with a loyalty model designed against UCP’s public loyalty extension; merchant-side UCP integration is on the roadmap. As the standard spreads, the ecosystem builds the integration surface; we do not pay for it.
Deterministic escrow, idempotent checkout, verifiable spend mandates — the model never touches the money math. Built for the kind of oversight agent commerce is likely to face.
"Keep your processor" is meant to take processor switching off the table in a sales conversation. Orchestration rides existing PSP relationships instead of fighting them.
Every merchant added makes the shared reward currency more valuable to every customer — classic two-sided compounding, on infrastructure we operate.
On-chain rewards designed to stay cheap as programs grow, on testnet today, plus crypto-invisible UX with a self-custody off-ramp designed in, gated on a custody legal opinion — a combination we have not seen points vendors or wallets ship. And an integrity layer underneath: the gateway mints only against a signed earn attestation it verifies itself, forged and replayed earns are refused, and every mint and burn is on the ledger. Attribution of sale credit is on the roadmap.
Embedded/white-label licensing plus per-checkout fees on agent-completed transactions.
Platform fee per routed transaction on merchants' own PSP accounts.
Program fees and issuance volume on the reward asset.
Coalition membership and cross-merchant redemption fees as the network compounds.
Founder-funded today; a first design partner, grant, or investor funds the path to production — we do not burn capital waiting for the market.
The agentic engine and rewards loop run on Stellar testnet. Recorded demo of the rewards loop on testnet: watch it. The Paygent agent SDK is public on PyPI, and the wallet-agent contract is available on request. Next, a first design partner to take the rewards loop to production.
Generalize the wallet/loyalty provider into the white-label platform and client SDKs; take the control plane from tenant registry to operated provisioning and billing; webhook-driven earn/redeem loop. This phase, including self-custody withdrawals, is gated on a custody legal opinion. Paydapter orchestration and its merchant dashboard follow when merchant demand appears.
Paydapter bundle launched through a captive-network pilot (QSR chain / campus), plus P2P "AirDrop for money" white-labeled for banks — distribution solved before we spend on it.
Founded by Ming-Li Liu — 25+ years engineering payment systems, from smart-card firmware to cloud gateways: the full stack, in one set of hands.
Visa · ViVOtech · Co-founder & CTO, Zenius Solutions · Director of Software Engineering, SimplyTapp · OV Loop · Poynt (GoDaddy) · Founder, MysDeFi
We are not running a formal raise — we are heads-down taking the rewards platform to its first design partner. But if you invest in early fintech infrastructure and this thesis resonates, we would genuinely like to meet before we are "in market." Early conversations shape the company.