AgentPay by Legasi

Pitch Deck: https://docs.google.com/presentation/d/1dUhE2EIV6VcF5HBzYsSJyKcViFW_4v6c/edit?usp=sharing&ouid=106701869240902273611&rtpof=true&sd=true

AgentPay - A corporate card for AI agents, settled on XRPL.

AI agents are becoming autonomous workers: browsing, researching, executing tasks on behalf of humans. But every time an agent encounters a paid API or a paywalled article, it stops, HTTP 402 Payment Required. Agents don't have wallets, credit cards, or identities and handing over your private keys to an AI is a security nightmare.

Legasi AgentPay solves this by introducing a controlled spending layer between the AI agent and the XRPL ledger:

1. The owner deposits RLUSD into a vault and defines spending rules (allowlisted merchants, per-request caps, total spending power).
2. A policy engine validates every payment request before any transaction is signed, if the service isn't allowlisted or the amount exceeds the cap, the payment is blocked instantly.
3. The agent operates autonomously within those boundaries. For example, when it hits a paywall, it detects the 402 response, triggers a payment in RLUSD on XRPL, receives a confirmed tx hash in seconds and delivers the unlocked content to the user.
4. The agent never holds private keys. The vault signs transactions server-side, and the owner retains full control at all times.

We built this as an MCP server that plugs directly into Claude Desktop or Claude Code. The agent gets a single tool (legasi_fetch) and the entire payment flow is invisible to the end user. Ask Claude to read a paywalled report, and it just works: the agent pays, reads, and summarizes.

A real-time React dashboard gives the owner full visibility: vault balance, spending power bar, live event feed with XRPL explorer links, and Xaman wallet connect for funding the vault via QR code from a mobile phone.

Agent payments are high-frequency micropayments, $0.50 here, $0.02 there, potentially hundreds per day. XRPL offers near-zero fees, 3-5 second finality, and RLUSD as a regulated USD-denominated stablecoin. The entire payment rail uses native XRPL primitives (Payment, TrustSet, AccountSet), no smart contracts needed.

Legasi AgentPay is the infrastructure layer that turns XRPL into the settlement network for the agentic economy.