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Docs/Agentic Enterprise/Lobstack Pay (LSP-1)
Protocol · LSP-1

Lobstack Pay

Programmable money rails for autonomous agents. Lobstack Pay gives every agent a policy-governed smart-account wallet and lets it pay for APIs, resources, and other agents in USDC — with on-chain receipts, gas sponsored, no keys to manage.

Enterprise-grade by design

Spend caps, allowlists, and human-in-the-loop approvals are enforced before any payment moves. Custody is hybrid — Lobstack-managed smart accounts by default, or your own treasury (Safe) for non-custodial enterprise control. Settlement is USDC on Base, plus USD-pegged Lobstack Credits.

How it works#

Lobstack Pay implements LSP-1, the Lobstack Agentic Settlement Protocol. The headline capability is the x402 "payment-required" handshake: when an agent calls a paid resource and receives HTTP 402 with payment terms, the protocol quotes it, checks the wallet's spend policy, settles in USDC (gas sponsored), and the agent retries with a cryptographic proof — fully autonomously, within the limits you set.

  1. Agent hits a paid API → gets 402 + LSP terms (asset, amount, payTo, chain, nonce).
  2. Bridge forwards them to POST /api/pay/x402.
  3. Policy engine evaluates the intent (caps / allowlist / approval threshold).
  4. If allowed, the LobstackSettlement contract settles USDC and emits a receipt keyed by nonce.
  5. Agent retries the resource with the X-Lobstack-Payment proof header.

Components#

LayerWhat it is
Agent walletAccount-abstraction smart account — Coinbase Smart Wallet (managed) or Safe (enterprise non-custodial). Programmable: caps, allowlists, session keys.
PaymasterSponsors gas — agents transact in USDC and never hold native ETH.
Policy enginePer-tx / daily / monthly limits, recipient allow/block lists, and human approval thresholds — enforced before signing.
SettlementLobstackSettlement contract on Base — moves USDC and emits verifiable PaymentSettled receipts for the x402 handshake.
Lobstack CreditsUSD-pegged accounting unit (1 credit = $1) for instant off-chain settlement and agent-to-agent payments; redeemable into the future LOB token post-TGE.

API#

Callable by the dashboard (your session) or the agent bridge.

Wallet & balances#

GET /api/pay/wallet
curl https://lobstack.ai/api/pay/wallet \
  -H "Authorization: Bearer $TOKEN"
# → { chain, wallet:{address,custody,status}, balances:{usdc,credits}, policy, tokenRedemption }

x402 autonomous payment#

POST /api/pay/x402
curl -X POST https://lobstack.ai/api/pay/x402 \
  -H "Authorization: Bearer $TOKEN" -H "Content-Type: application/json" \
  -d '{
    "status": 402,
    "requestUrl": "https://api.example.com/premium",
    "body": { "asset":"USDC", "amount":0.01, "payTo":"0xResource…", "chain":"base", "nonce":"abc" }
  }'
# → { paid:true, proof:{header,value}, retry:"https://api.example.com/premium" }

Intents (manual / A2A)#

Create → approve → execute
# create (runs the policy engine)
POST /api/pay/intents   { "amount": 5, "asset": "USDC", "toAddress": "0x…" }
# approve (only if over the approval threshold)
PATCH /api/pay/intents  { "intentId": "…", "action": "approve" }
# settle
POST /api/pay/execute   { "intentId": "…" }

Spend policy#

Every wallet starts with a conservative default ($50/tx, $200/day, $2k/mo, approvals over $100). Tune it from the dashboard or:

PATCH /api/pay/wallet
curl -X PATCH https://lobstack.ai/api/pay/wallet \
  -H "Authorization: Bearer $TOKEN" -H "Content-Type: application/json" \
  -d '{ "per_tx_limit_usdc": 25, "daily_limit_usdc": 100, "require_approval": false,
        "allowlist": ["0xTrustedResource…"] }'

Lobstack Credits → LOB token#

Credits are USD-pegged and settle instantly (ideal for agent-to-agent micropayments and metered usage). They are forward-compatible with a future Lobstack (LOB) token: every credit is tagged redeemable, so once redemption is enabled at token launch, balances convert at the published rate — no migration, no action needed from you.

⚠️

Status

The protocol, policy engine, Credits settlement, and the x402 handshake are live. On-chain USDC settlement is implemented (viem custodial signer on Base — via the LobstackSettlement contract for receipts, or a direct USDC transfer) and activates once PAY_RPC_URL + PAY_SIGNER_PRIVATE_KEY are set (see contracts/README.md); until then USDC intents return 501 and Credits payments work today.