DeFi integrations — including Blend, Phoenix, and Aquarius — are planned for Phase 2 of the Pay3 roadmap. The features described on these pages are coming soon and are not yet available in the current release.
How it works
When you give your AI a command like “invest my idle USDC,” it doesn’t guess — it calls the appropriate Pay3 MCP tool, which validates your session policy, constructs the transaction, and submits it to the relevant Soroban smart contract on Stellar. You never need to visit Blend’s interface, connect a separate wallet to Phoenix, or manually track your Aquarius rewards. Your AI handles all of it inside the boundaries you’ve set. The flow for every DeFi action is identical to a standard payment:1
You give a natural-language command
Tell your AI assistant what you want — “earn yield on my USDC,” “rebalance my portfolio,” or “repay my loan.”
2
Pay3 MCP tool is called
Your AI calls the relevant Pay3 tool (
wallet.supply(), wallet.swap(), wallet.borrow(), etc.) through the MCP server.3
Policy engine validates the action
Pay3 checks your session policy: daily budget remaining, allowed protocols, asset allowlist, per-transaction limit, and approval threshold.
4
Transaction executes on Stellar
If the action is within your autonomous limits, Pay3 signs and submits the transaction using your session key. If it crosses your approval threshold, it queues for your review.
5
Your AI confirms the result
Your AI reports back with confirmation, updated balances, or position details — no dashboard-hopping required.
Supported protocols
Blend
Supply assets to earn yield, borrow against collateral, repay loans, and automate liquidation protection on Stellar’s leading lending protocol.
Phoenix
Swap XLM, USDC, and other supported tokens on Phoenix DEX — including AI-driven portfolio rebalancing at your target allocation.
Aquarius
Add and remove liquidity, claim rewards automatically, and let your AI optimize your pool positions for the best available APY.
Aquarius liquidity management documentation is coming with the Phase 2 release. In the meantime, explore Blend and Phoenix to get familiar with how agentic DeFi works on Pay3.
Policy presets for DeFi
Standard payment policies may have limits that are too conservative for DeFi use cases like yield farming or portfolio rebalancing. Pay3 includes a DeFi preset that raises your daily budget and expands your allowed protocol list to cover Blend, Phoenix, and Aquarius. You can also build a custom policy that allows only specific protocols — for example, enabling Phoenix swaps but blocking Blend borrowing — so your AI operates within exactly the risk profile you’re comfortable with.Example AI commands
Your AI understands natural language. Here are commands you can use once DeFi support is live:Security model
DeFi protocol interactions use the same session-key security model as every other Pay3 action. Your AI never receives your primary wallet’s private key. It operates through a temporary, policy-restricted session that expires automatically. If something looks wrong, you can revoke all AI access instantly from your dashboard using Emergency Revoke All.DeFi actions that exceed your manual approval threshold — such as a large supply or borrow — are queued as pending approvals in your Pay3 dashboard. Your AI will notify you and wait for your sign-off before proceeding.