Lily Protocol is an on-chain financial infrastructure built on the Stellar network that enables AI agents (AgentLily) to own wallets, hold USDC, execute payments, and transact autonomously.
The protocol provides:
- AI agent wallet provisioning (AgentLily instances)
- Autonomous USDC payments
- Machine-to-machine settlement
- API and tool purchasing
- Agent identity infrastructure
Lily Protocol functions as a Web3-native financial layer where autonomous software agents (AgentLily) can transact, purchase services, and settle payments programmatically in real time using Stellar.
Traditional payment infrastructure relies on:
- Credit cards and manual billing
- Human authorization workflows
- Centralized payment providers
- Delayed settlement systems
- Limited support for micro-transactions
Limitations:
- AI agents cannot natively own programmable wallets
- Machine-to-machine commerce is difficult to automate
- Existing payment systems are not optimized for autonomous software
- Global access to payment infrastructure remains restricted
- Autonomous agents cannot independently purchase APIs or digital services
There is no decentralized infrastructure enabling AI agents to transact autonomously using stablecoins.
Lily Protocol introduces an autonomous wallet infrastructure model powered by AgentLily:
- Developers instantiate AI agents called AgentLily
- Each AgentLily is assigned a native Stellar wallet
- Agents receive programmable USDC balances
- AgentLily executes payments autonomously based on task logic
- APIs and digital tools can be purchased programmatically
- Transactions settle transparently on-chain
The system combines smart contracts, wallet orchestration, AgentLily identity layer, and payment execution services.
flowchart TD
A[Developer Application] --> B[Lily SDK]
B --> C[Lily Orchestrator]
C --> D[Wallet Provisioning Service]
C --> E[Payment Execution Engine]
C --> F[AgentLily Identity Layer]
D --> G[AgentLily Instance]
E --> H[Soroban Smart Contract]
H --> I[Stellar Network]
I --> J[Horizon Listener]
J --> K[(PostgreSQL Database)]
E --> L[API Marketplace]
E --> M[External Tool Providers]
C --> N[AI Model Layer]
N --> O[OpenAI / Claude / Gemini]
| Repo | Description |
|---|---|
| lily-frontend | Dashboard and developer-facing web application |
| lily-backend | Agent orchestration, wallet management, and payment services |
| lily-contracts | Soroban smart contracts for settlement and AgentLily wallet infra |
| lily-sdk | SDK for integrating autonomous payments into AI applications |
| agentlily-runtime | Runtime layer where AgentLily instances execute autonomous actions |