Snaplii-Inc/agent-to-merchant-payments

Payments are broken for AI agents. Snaplii unlocks real-world commerce with a safe, tokenized payment layer — giving AI agents access to merchant-native payment credits across 500+ brands — while saving users up to 10% per transaction on top of existing deals and promotions.

What it solves

AI agents currently struggle to make payments safely because giving them direct access to credit cards creates significant security risks. Snaplii provides a tokenized payment layer that allows agents to conduct real-world commerce—buying gift cards and paying utility bills—without needing shared credentials or persistent access to a user's primary payment methods.

How it works

The system uses a pre-funded model where users fund a Snaplii account and create scoped API keys with hard spending limits via a mobile app. AI agents then operate within these boundaries using a model-agnostic integration layer. The agent interacts with Snaplii to execute transactions that are isolated and non-reusable, drawing from the prepaid balance.

Who it’s for

Developers building AI agents or LLM platforms (such as those using Claude, ChatGPT, or Gemini) who want to enable their agents to perform financial transactions like purchasing gift cards or paying bills securely.

Highlights

  • Model Agnostic: Integrates via REST API, Python CLI, or the Model Context Protocol (MCP) for tools like Claude Desktop and Cursor.
  • Secure Boundaries: Uses scoped API keys and daily spending limits set in-app to limit the "blast radius" of any agent.
  • Capped Spending: Transactions are pre-funded and draw from a prepaid balance, ensuring no overspending.
  • Cashback Integration: Embeds value directly into the payment layer, allowing agents to save up to 10% on transactions.
  • Bill Pay Support: Beyond gift cards, it supports paying utilities and telecom bills.

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