Snaplii-Inc/agent-to-merchant-payments

Payments are broken for AI agents. Snaplii provides a secure, tokenized payment layer that enables AI agents to transact in the real world — without exposing users' underlying payment credentials.

What it solves

AI agents cannot safely pay merchants in the real world without being handed the user's credit card or bank credentials, which is risky and leaks sensitive data. Snaplii gives an agent a prepaid, scoped, revocable payment account: the agent can spend only the money the user set aside as Snaplii Cash, within a per-key spending limit the user chose, and never sees the user's card or bank credentials.

How it works

The user adds money to their Snaplii Cash balance in the mobile app, then creates an API key with a specific scope (PAY_READ for read-only, PAY_WRITE for purchases and bill pay, P2P for transfers, or ALL) and a hard spending limit. The agent connects using this key through a Python CLI, an MCP server, or an Agent Skill that reads SKILL.md. The API key is exchanged once for a session token and is never stored on disk; the agent then draws from the prepaid Snaplii Cash balance, within the key limits, to browse gift cards, quote prices with vouchers and cashback, buy gift cards, pay bills (Canada only), and send money P2P. The user can change the limit or revoke the key at any time from the app.

Who it's for

Developers and users who run AI agents — Claude Code, Codex, Cursor, OpenClaw, Gemini CLI, GitHub Copilot, Muse, Instinct, or any agent that can read SKILL.md, call MCP tools, or run a command — and want those agents to make real-world purchases safely without exposing bank or card credentials.

Highlights

  • Ships as an Agent Skill, an MCP server, and a Python CLI, so it works with any agent that can read a SKILL.md, call MCP tools, or run a command
  • API key is used only to obtain a session token and is never stored on disk
  • Scoped keys (PAY_READ, PAY_WRITE, P2P, ALL) with user-chosen per-key spending limits
  • Prepaid Snaplii Cash balance means the agent never sees card or bank credentials
  • Supports gift card purchases at over 500,000 locations with the ability to quote exact price with vouchers and up to 10% cashback, bill pay (Canada only), and P2P money transfers
  • User can revoke or adjust limits at any time from the mobile app

Related