We're building the transaction infrastructure for agent-driven commerce: Paygent is a standards-native commerce agent that decides what to buy and pays with the right instrument, Paydapter orchestrates the payment across the processors merchants already use, and StellarBack turns every transaction into on-chain rewards customers actually own. Three engines. One platform.
Commerce is moving to agents — and the open standard the industry is rallying behind defines a buyer-side layer nobody supplies: the agent that holds the wallet, optimizes the loyalty, and executes the payment. We build that layer, on rails we also own.
The Universal Commerce Protocol (Google, Shopify, 20+ payments partners) standardizes the merchant side. Stripe and Square own processing. Loyalty vendors bolt points on after the fact. Nobody owns the buyer-side agent + wallet + rewards layer where they all meet. That's the gap.
The category every platform is racing toward; an open industry standard (UCP) launched with Google, Shopify, Visa, Mastercard and Stripe behind it — and the buyer-side layer unsupplied.
A fast-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.
Directional category sizes for discussion; detailed sizing in the data room.
Each is a standalone business. Together they're a flywheel: the agent drives transactions, payments execute them, and rewards retain both sides.
A UCP-native buyer-side agent with a real wallet: it discovers products across connected catalogs, computes the best card by actual per-cart loyalty math, applies points as a live discount, and completes checkout autonomously when a price watch fires — with all money and points math kept deterministic and out of the model's hands.
One API to route transactions across Stripe, Square, PayPal and more — while every merchant keeps their own processor account.
Rewards-as-a-service on Stellar: customers earn real, portable value with zero crypto friction — and can withdraw to self-custody anytime.
This is not a slideware platform. The difficult primitives exist and run today.
Built on UCP from day one — including one of the first end-to-end implementations of its loyalty extension. As the standard spreads, every compliant merchant becomes addressable supply; we don't pay for that integration surface, the ecosystem builds it.
"Agents get judgment, money gets math" — deterministic escrow, idempotent checkout, verifiable spend mandates. The trust architecture agent-commerce will be regulated into, built before the regulation.
"Keep your processor" removes the #1 objection in payments sales. 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.
Scale-economical on-chain custody (pooled/muxed) plus crypto-invisible UX with a real ownership off-ramp — a combination none of the points vendors or wallets ship.
EMV-over-BLE transport and UWB-bounded authorization from our R&D lineage — defensive IP around the proximity acceptance layer.
Working Wi-Fi Aware payments on iOS 26 + Android puts us ahead of the field on the first true Android↔iPhone proximity rail — the objection that stalls every Apple-only competitor.
Embedded/white-label licensing plus per-checkout fees on agent-completed transactions.
Platform fee per routed transaction on merchants' own PSP accounts.
Program fees, issuance volume, and float/breakage economics on the reward asset.
Coalition membership and cross-merchant redemption fees as the network compounds.
Partner-funded work and orchestration revenue pay for the strategic build — we don't burn capital waiting for the market.
Harden the agentic engine in a first partner deployment; ship the merchant dashboard and first platform/ISV customers on orchestration.
Generalize the wallet/loyalty provider into the white-label platform + SDKs; webhook-driven earn/redeem loop; legal structure for custody & withdrawals.
ShakeToPay bundle launched through a captive-network pilot (QSR chain / campus), plus P2P "AirDrop for money" white-labeled to bank partners — distribution solved before we spend on it.
Founded by Ming-Li Liu — 25+ years engineering payment systems end to end. Proof-of-concept engineer at Visa, where the job was turning payment hypotheses into working demos presented at the industry's flagship conferences. Director of Engineering at SimplyTapp, the company behind host card emulation — the technology that made NFC payments possible on phones without secure-element hardware. Co-founder and CTO of Zenius Solutions, taking contactless and NFC payment products from prototype to production. PayFac onboarding and risk infrastructure at Poynt (GoDaddy). From smart-card firmware and NFC chip specifications to cloud gateways and mobile apps — the full payment stack, in one set of hands.
We're not running a formal raise — we're heads-down taking the agentic engine to its first partner deployment and Paydapter to first revenue. But if you invest in early fintech infrastructure and this thesis resonates, we'd genuinely like to meet before we're "in market." Early conversations shape the company.