Initializing MCP server

Pay3

AI-native finance on Stellar

Delegate.Validate.Execute.

Pay3 is the MCP server that lets AI assistants manage wallets, run DeFi, and settle payments on Stellar — inside programmable policies, without ever touching your private key.

Get StartedClaude · Cursor · ChatGPT

Try saying

"What’s my Pay3 balance?"

pay3 — live transaction

claude-desktop

> pay 5 USDC to John

pay3.wallet.transfer()

policy ✓ · TX confirmed · 3.2s

Technology Stack

Stellar settlement, Soroban smart contracts, MCP for AI agents, and Blend · Phoenix · Aquarius for DeFi.

StellarSorobanMCPNext.jsTypeScriptFastifyPostgreSQLPrismaRedisBlendPhoenixAquariusStellarSorobanMCPNext.jsTypeScriptFastifyPostgreSQLPrismaRedisBlendPhoenixAquarius

The pipeline

One command. Five layers of validation. Then it settles on Stellar.

01

INPUT

You

Natural language command

02

MCP

AI Assistant

Calls Pay3 MCP tool

03

POLICY

Policy Engine

Validates every rule

04

AUTH

Session Key

Scoped authorization

05

SETTLE

Stellar

Transaction settles

Platform capabilities

Everything your AI agent needs to operate on Stellar

01 — The Bridge

Give Your AI Financial Superpowers

Pay3 exposes wallet, DeFi, and payment tools through an MCP server — so Claude, ChatGPT, Cursor, and Gemini can act on your behalf without ever touching your private key.

Explore MCP Tools
pay3-mcp-server

pay3-mcp-server

Available Tools

wallet.get_balance()
wallet.transfer()
wallet.swap()
wallet.supply()
payments.payMerchant()

01 / 06

02 — Delegated Trust

Permissions Without Private Keys

Soroban session keys grant AI assistants temporary, scoped authority. Set duration, spend caps, daily budgets, and allowed protocols — then revoke anytime.

See Session Keys
session-keys

session-key.yaml

duration24h
max_per_tx500 USDC
daily_budget2,000 USDC
allowed: [blend, phoenix, aquarius]
blocked: [withdraw, unknown_contracts]

02 / 06

03 — Guardrails

Every Transaction Passes the Policy Engine

Daily budgets, per-tx limits, allowed smart contracts, blocked actions — nothing executes until every rule passes. The AI proposes; your policy decides.

Review Policies
policy-engine

policy-engine

Daily budget✓ pass
Per-tx limit✓ pass
Allowed protocol✓ pass
Session expiry✓ pass
Unknown contract✕ blocked

03 / 06

04 — DeFi Native

Curated Protocols on Stellar

Blend for lending, Phoenix for swaps, Aquarius for liquidity — your AI can supply, borrow, rebalance, and claim rewards across integrated protocols.

Explore Products
defi-integrations

portfolio.rebalance()

Total managed

$11,250.56

+ $150.56 today

Blend · Supply USDC

APY 8.2%

Phoenix · XLM → USDC

Rebalance trigger

04 / 06

05 — Real Commerce

Autonomous Merchant Payments

From restaurant supply orders to API subscriptions — AI validates policy, executes USDC transfers on Stellar, and settles in seconds with near-zero fees.

Explore Payments
merchant-payments

payments.payMerchant()

Merchant

Fresh Farms Co-op

Amount

85.52 USDC

policy ✓→ settled on Stellar

05 / 06

06 — Agent Network

Built for Multi-Agent Workflows

Run Claude for payments, Cursor for development, custom agents for procurement — all connected to the same policy engine and Stellar wallet infrastructure.

Start Building
agent-network

agent-activity.log

claudewallet.swap()✓
cursorwallet.supply()✓
customportfolio.rebalance()✓

06 / 06

Security first

The AI proposes.
Your policy decides.

Every transaction is validated before execution. Session keys expire. Limits are enforced on-chain through Soroban custom authentication.

  • ✕Cannot access the private key
  • ✕Cannot exceed spending limits
  • ✕Cannot use unknown contracts
  • ✕Cannot transfer outside policies
  • ✓Can only execute approved actions

Connect Pay3 in three steps

From MCP config to live Stellar transactions — under a minute.

01Dashboard

Connect Freighter and fund your allocation pot

Sign in with Freighter on mainnet. Pay3 links a separate allocation account — only that pot is available to AI sessions.

mcp-config

claude_desktop_config.json

{
  "mcpServers": {
    "pay3": {
      "command": "npx",
      "args": ["-y", "@pay3/mcp"]
    }
  }
}
02

Authorize an AI session with spend limits

Set duration, daily budget, per-tx max, and approval threshold. Review permissions, then sign with Freighter and copy the one-time MCP token.

policy-setup

policy-engine — create session

spend_limit: 2000 USDC/day
protocols: [blend, phoenix]
expires: 24h

→ session key issued

03

Connect Cursor and pay by name or address

Add Pay3 to Cursor MCP. Ask for balance or “pay Hurain 0.5 XLM.” Policy checks every transfer; revoke anytime from the dashboard.

pay3-mcp-server
✓

Agent connected

pay3-mcp-server · listening on stdio

> awaiting commands_

Frequently Asked Questions

Common questions about Pay3's AI-native financial infrastructure.

Pay3 lets an AI assistant send Stellar payments from a separate allocation pot you fund — under session limits you authorize in Freighter. Your primary wallet key never leaves Freighter.

Connect Freighter, fund the allocation account, save contacts, create an AI session, then connect Cursor with your MCP token. Natural-language commands call Pay3 tools; every transfer passes the policy engine before it settles on Stellar mainnet.

Freighter for sign-in and session authorization on Stellar mainnet. Pay3 never stores your Freighter private key. AI spends use encrypted session material and the allocation pot only.

Stellar network fees are typically fractions of a cent. Pay3 itself does not charge a product fee in this beta. Only fund the allocation pot with amounts you accept spending.

Cursor is the recommended client (local or hosted MCP). Claude Desktop can use the same stdio config. Browser claude.ai custom connectors need a hosted HTTPS MCP URL.

Native XLM transfers are supported on mainnet. Swap quote/execute via Soroswap is available when pools exist and the session allows execute_swap. Broader DeFi UX is still expanding.