# Pay3

## Docs

- [Pay3: AI-Native Payment Infrastructure on Stellar](https://pay3.mintlify.app/introduction.md): Pay3 lets AI agents autonomously manage wallets, make payments, and interact with DeFi — all within programmable spending policies you control.
- [Pay3 Quickstart: Your First AI-Powered USDC Payment](https://pay3.mintlify.app/quickstart.md): Connect your Freighter wallet, link a smart account, set a spending policy, and make your first AI-powered USDC payment on Stellar in minutes.
- [How Pay3 Routes AI Payments from Request to Settlement](https://pay3.mintlify.app/how-it-works.md): Follow a payment from AI request to Stellar settlement, and learn how session keys and spending policies keep you in control at every step.
- [AI Wallets: Delegate Financial Control to AI Agents](https://pay3.mintlify.app/concepts/ai-wallets.md): Learn how Pay3 AI wallets give AI agents delegated spending power over a Soroban vault — without ever exposing your private key.
- [Session Keys: Time-Bounded AI Spending Permissions](https://pay3.mintlify.app/concepts/session-keys.md): Session keys give AI agents delegated spending authority with hard on-chain expiry and spending caps — no private key exposure required.
- [Policy Engine: Rules That Govern Every AI Transaction](https://pay3.mintlify.app/concepts/policy-engine.md): Pay3's policy engine evaluates every AI-initiated transfer against your spending rules in order, blocking violations before any funds move.
- [x402 Protocol: Instant API Micropayments for AI Agents](https://pay3.mintlify.app/concepts/x402-payments.md): The x402 protocol lets AI agents pay for APIs and digital services per-request using Stellar, with no subscriptions, credit cards, or manual billing.
- [Pay3 Dashboard Overview: Monitor AI Agent Spending](https://pay3.mintlify.app/dashboard/overview.md): Walk through the Pay3 Dashboard overview page — wallet balances, active sessions, pending approvals, and monthly usage at a glance.
- [Link and Manage Soroban Smart Account Vaults in Pay3](https://pay3.mintlify.app/dashboard/smart-accounts.md): Link a Soroban vault contract to Pay3, deposit USDC, and register on-chain AI sessions to give agents safe, bounded spending access.
- [Create and Manage AI Payment Sessions in Pay3 Dashboard](https://pay3.mintlify.app/dashboard/sessions.md): Create, configure, and revoke AI sessions for Claude, Cursor, ChatGPT, and other MCP-compatible assistants — with on-chain session registration.
- [Configure AI Spending Policies in the Pay3 Dashboard](https://pay3.mintlify.app/dashboard/policies.md): Create and manage AI spending policies — set daily budgets, per-transaction limits, approval thresholds, and allowed assets for AI sessions.
- [Review and Approve Pending AI Payments in Pay3 Dashboard](https://pay3.mintlify.app/dashboard/approvals.md): Review AI-requested payments that exceeded your policy's approval threshold and approve or let them expire before the 2-minute window closes.
- [Save and Manage Trusted Recipient Contacts in Pay3](https://pay3.mintlify.app/dashboard/contacts.md): Save verified Stellar addresses with friendly names so AI agents can send payments by contact name without requiring a raw public key.
- [View Your AI Agent's Full Transaction History in Pay3](https://pay3.mintlify.app/dashboard/transactions.md): Browse every AI-initiated transaction in Pay3 — amounts, assets, lifecycle statuses, Stellar transaction hashes, and daily budget usage.
- [Pay3 MCP Server: Autonomous AI Payments on Stellar](https://pay3.mintlify.app/mcp/overview.md): The Pay3 MCP server exposes three financial tools to any MCP-compatible AI assistant — get balance, transfer, and transaction history.
- [Connect Your AI Assistant to Pay3: MCP Setup Guide](https://pay3.mintlify.app/mcp/setup.md): Step-by-step guide to configure Claude Desktop, Cursor, and custom agents to connect to Pay3 and start making autonomous AI-driven payments.
- [Pay3 MCP Tools Reference: balance, transfer, history](https://pay3.mintlify.app/mcp/tools.md): Full reference for the three Pay3 MCP tools — get_balance, transfer, and get_transaction_history — with parameters and example AI prompts.
- [Pay3 DeFi: AI-Driven Lending, Swaps, and Liquidity](https://pay3.mintlify.app/defi/overview.md): Overview of Pay3 DeFi integrations — Blend lending, Phoenix swaps, and Aquarius liquidity — all managed by AI agents within your spending policies.
- [Blend: AI-Automated Lending and Borrowing on Stellar](https://pay3.mintlify.app/defi/blend.md): Use Pay3 to let your AI agent supply assets, borrow funds, repay loans, and prevent liquidation on the Blend lending protocol on Stellar.
- [Phoenix: Agentic Token Swaps and Rebalancing on Stellar](https://pay3.mintlify.app/defi/phoenix.md): Use Pay3 to let your AI agent swap tokens on Phoenix DEX — including XLM to USDC conversions and automated portfolio rebalancing on Stellar.
- [Merchant Payments: AI-Driven Business Transactions](https://pay3.mintlify.app/defi/merchant-payments.md): Learn how Pay3 enables AI agents to autonomously pay merchants, suppliers, and service providers in USDC on Stellar using the transfer MCP tool.
- [Request a Sign-In Challenge for Your Stellar Wallet](https://pay3.mintlify.app/api-reference/auth/challenge.md): Generate a one-time sign-in challenge for a Stellar wallet address. Sign the returned message with your wallet, then submit the signature to verify.
- [Sign In by Verifying Your Stellar Wallet Signature](https://pay3.mintlify.app/api-reference/auth/verify.md): Submit a signed challenge to complete wallet-based sign-in. On success, Pay3 sets a session cookie and returns your authenticated user context.
- [Sign Out and Revoke Your Current Active Pay3 Session](https://pay3.mintlify.app/api-reference/auth/logout.md): Invalidate your current Pay3 session token and clear the session cookie. Safe to call unconditionally even if no active session is present.
- [Retrieve Your Authenticated User Context — Pay3 Auth](https://pay3.mintlify.app/api-reference/auth/me.md): Return the authenticated user's ID, wallet address, and session expiry. Use this to verify your session is active before making further API calls.
- [Get Your Stellar Wallet Asset Balances — Pay3 Wallet](https://pay3.mintlify.app/api-reference/wallet/overview.md): Retrieve your Stellar wallet metadata, live asset balances, and linked smart accounts in a single call. Ideal for dashboards and pre-payment checks.
- [List Linked Smart Accounts — Pay3 Smart Accounts](https://pay3.mintlify.app/api-reference/smart-accounts/list.md): Return all Soroban smart account contracts linked to your Pay3 account, ordered by most recently linked first. Returns an empty array if none are linked.
- [Link a Soroban Smart Account — Pay3 Smart Accounts](https://pay3.mintlify.app/api-reference/smart-accounts/link.md): Register a deployed Soroban contract with your Pay3 account so AI sessions can use it as a spending vault. Returns the record and on-chain references.
- [GET /api/ai-sessions — List Active AI Sessions](https://pay3.mintlify.app/api-reference/ai-sessions/list.md): GET /api/ai-sessions — returns all currently active AI sessions for your account, including client type, policy summary, smart account, and expiry time.
- [POST /api/ai-sessions — Create a New AI Session](https://pay3.mintlify.app/api-reference/ai-sessions/create.md): POST /api/ai-sessions — creates an AI session for a smart account and policy, returning an MCP auth token and on-chain registration parameters.
- [Revoke AI Sessions — Individual and Bulk Revocation](https://pay3.mintlify.app/api-reference/ai-sessions/revoke.md): DELETE /api/ai-sessions/:id revokes a single session. POST /api/ai-sessions/revoke-all immediately revokes all active sessions on your account.
- [GET /api/policies — List and Get Spending Policies](https://pay3.mintlify.app/api-reference/policies/list.md): GET /api/policies returns all your spending policies. GET /api/policies/:id retrieves a single policy by UUID, including all budget and action limits.
- [POST /api/policies — Create a Spending Policy](https://pay3.mintlify.app/api-reference/policies/create.md): POST /api/policies — creates a new AI spending policy with budget limits, transaction caps, allowed assets, and optional rate limiting.
- [GET /api/transactions — List AI Transaction History](https://pay3.mintlify.app/api-reference/transactions/list.md): GET /api/transactions — returns paginated history of all AI-initiated transactions across all sessions, with status and Stellar hashes.
- [GET /api/transactions/:id — Get Transaction Details](https://pay3.mintlify.app/api-reference/transactions/get.md): GET /api/transactions/:id — returns full details for a single transaction including Stellar hash, policy decision, approval record, and timestamps.
- [GET /api/approvals/pending — List Pending Approvals](https://pay3.mintlify.app/api-reference/approvals/list.md): GET /api/approvals/pending — returns all transactions awaiting your manual approval, including amount, recipient, AI session, and 2-minute expiry time.
- [POST /api/approvals/:txId/approve — Approve a Transaction](https://pay3.mintlify.app/api-reference/approvals/approve.md): POST /api/approvals/:txId/approve — approves a pending transaction and submits it to the Stellar network, returning the updated transaction record.
- [Contacts API — List, Create, and Delete Recipients](https://pay3.mintlify.app/api-reference/contacts/manage.md): Manage your trusted Stellar recipient contacts via the Pay3 API. List, create, and delete contacts used for AI payment resolution by name or alias.
- [GET /api/dashboard — Dashboard Summary Data](https://pay3.mintlify.app/api-reference/dashboard/summary.md): GET /api/dashboard — returns a unified summary of wallet balances, active sessions, pending approvals, policies, and monthly usage in one request.


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