Paygent Labs builds the infrastructure that lets AI shopping agents find products, pay with the best card, and 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.
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 is the gap.
An emerging category, standardized by the Universal Commerce Protocol — launched with Google, Shopify, Visa, Mastercard and Stripe behind it — with the buyer-side layer still 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.
One integrated platform with a flywheel at its core: the agent drives transactions, payments execute them, and rewards retain both sides — and each layer opens its own revenue line along the way.
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.
The difficult
primitives already exist.
We are now assembling them into the platform.
“Agents get judgment, money gets math.” The architecture principle behind everything we build.
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 do not pay for that integration surface, the ecosystem builds it.
Deterministic escrow, idempotent checkout, verifiable spend mandates — the model never touches the money math. 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. And an integrity layer underneath: issuance and attribution are verifiable on-ledger, closing off injected points and silently reassigned sale credit.
EMV-over-BLE transport and UWB-bounded authorization from years of hands-on R&D — hard-won engineering depth across 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 do not 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, from smart-card firmware to cloud gateways: the full stack, in one set of hands.
Proof-of-concept engineer, Visa · Director of Engineering, SimplyTapp (host card emulation) · Co-founder & CTO, Zenius Solutions · PayFac infrastructure, Poynt (GoDaddy)
We are not running a formal raise — we are 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 would genuinely like to meet before we are "in market." Early conversations shape the company.