PayLobster

Agent payment infrastructure on Base. Trustless escrow, agent treasury, token swaps, cross-chain bridges, fiat on/off ramp, on-chain identity & reputation, s...

Security Scan

The skill's description matches a payment platform, but the runtime instructions expect and show handling of sensitive credentials and on-chain/wallet operations while the skill declares no required credentials or provenance — this mismatch and the financial impact makes the package suspicious until provenance and credential handling are clarified.

Purpose & Capability

The skill claims to be a full payments/escrow/treasury system on Base, which legitimately requires wallets, API keys, and integration credentials; however the registry metadata lists no required env vars, no primary credential, and no install/binaries. The lack of declared credentials and absent homepage/source makes the provenance and capability claims inconsistent with what a payments integration would normally require.

Instruction Scope

SKILL.md contains concrete runtime instructions that call external endpoints (paylobster.com), create merchant API keys, perform charges, and show wallet signing flows. These instructions implicitly require handling secrets (sk_live_...), signing with wallets, and authorizing on-chain token transfers. The instructions do not limit or warn about secret handling, and they expose operations that could move funds or reveal rich agent identity data (SIWA profile endpoints that return full profiles).

Install Mechanism

Instruction-only skill with no install spec and no code files — low install-time risk because nothing is written or executed locally by an installer. The main runtime risk is network calls to an external service rather than local code execution from an untrusted download.

Credentials

The SKILL.md shows use of merchant secrets (sk_live_...), onramp/offramp, and wallet operations, but the skill declares no required environment variables or primary credential. That omission is disproportionate: a payment integration should explicitly declare needed credentials and scope. The skill also references Coinbase and third-party integrations without declaring required tokens or config paths.

Persistence & Privilege

The skill does not request always:true, does not install code, and does not declare writing to agent/system config. Autonomous invocation is allowed by default but is not combined here with any declared persistent privilege in the package metadata.

What to consider before installing

This skill interacts with money and agent identity — do not install or give it any secret keys until you verify the provider and provenance. Questions to resolve before proceeding: (1) Where is the code hosted and who operates paylobster.com? (2) Ask the publisher to declare required environment variables and the exact flows for key management (who holds sk_live secrets, where are they stored, and is there a sandbox mode?). (3) Require manual confirmation for any fund-moving actions and test only with small amounts or a sandbox network. (4) If you plan to let the agent act autonomously, restrict its ability to sign or transmit transactions and require explicit user approval for payments. If the publisher cannot provide verifiable source, documentation, and a sandbox, treat this skill as higher risk and avoid exposing live secrets or wallets.

The financial operating system for autonomous agents on Base L2. Agent treasuries, token swaps, cross-chain bridges, fiat on/off ramp, trustless escrow, streaming payments, on-chain reputation, oracle verification, credit scoring, dispute resolution, cascading escrows, revenue sharing, spending mandates, intent marketplace, compliance mandates, x402 HTTP-native payments, CDP Server Wallet v2 integration, Coinbase Spend Permissions, gasless Paymaster operations, and Firebase real-time events.

NEW: CDP Integration (Coinbase Developer Platform)

Server Wallet v2 (TEE-Secured)

import { getCdpClient } from '@/lib/cdp/client';
const cdp = getCdpClient();
const wallet = await cdp.evm.createAccount(); // TEE-secured, no keys to manage

x402 Protocol (HTTP-Native Payments)

Every PayLobster API is payable via HTTP 402:

# Discovery endpoint
curl https://paylobster.com/api/x402/discovery

# Agent pays for service automatically
GET /api/v3/reputation?address=0x...
→ 402 Payment Required (0.01 USDC)
→ Agent pays via X-PAYMENT header
→ Service executes

Spend Permissions

import { createSpendPermission } from '@/lib/cdp/permissions';
// Agent gets pre-approved spending within limits
await createSpendPermission(treasury, agent, 'USDC', '100', 1); // 100 USDC/day

Gasless Operations (Paymaster)

All PayLobster contract interactions can be gas-sponsored via CDP Paymaster.

Coinbase Onramp/Offramp

import { generateOnrampUrl } from '@/lib/cdp/onramp';
const url = await generateOnrampUrl(agentAddress, '100', 'USD'); // Fiat → USDC

SIWA — Sign In With Agent

Trustless agent authentication built on ERC-8004 and ERC-8128. One open standard. No API keys. No shared secrets.

Verify an Agent

curl -X POST https://paylobster.com/api/siwa/verify \
  -H "Content-Type: application/json" \
  -d '{"message": "<siwa-message>", "signature": "0x..."}'

Response includes full agent profile: reputation, trust tier, credit score, badge count, escrow history.

MCP Tools

• siwa_verify — verify SIWA signature + get full agent profile
• siwa_nonce — get fresh nonce for message signing
• siwa_profile — lookup any agent's profile (no auth needed)

SDK

import { createSIWAMessage, verifySIWAMessage } from 'pay-lobster';

// Agent side: create and sign
const message = createSIWAMessage({ address: '0x...', domain: 'myapp.com', nonce });
const signature = await wallet.signMessage(message);

// Server side: verify and get profile
const result = await verifySIWAMessage(message, signature);
// → { verified: true, agent: { reputation: 95, trustTier: 'Diamond', ... } }

Why PayLobster SIWA?

Other SIWA implementations: "Yes, this agent exists." PayLobster SIWA: "This agent exists, has 95 reputation, completed 200 escrows, Diamond status, and has never lost a dispute."

Every SIWA auth carries the richest identity in the agent economy.

Natural Language Payments

Send payments with plain English — no structured API calls needed:

"send 10 USDC to 0xABC"
"escrow 50 USDC for 0xABC"
"stream 0.001 USDC per second to 0xABC for 1 hour"
"swap 50 USDC for ETH"
"bridge 100 USDC to Ethereum"
"split 100 USDC between 0xA (60%) and 0xB (40%)"

Via MCP

Use the natural_pay tool — it parses intent, returns unsigned transaction + confirmation:

{
  "tool": "natural_pay",
  "input": { "instruction": "send 10 USDC to 0xABC" }
}
// → { intent: { action: "transfer", amount: "10", token: "USDC", recipient: "0xABC" }, transaction: {...}, confirmation: "Send 10 USDC to 0xABC?" }

Via API

curl -X POST https://paylobster.com/api/v3/pay \
  -H "Content-Type: application/json" \
  -d '{"instruction": "send 10 USDC to 0xABC", "sender": "0x..."}'

Via CLI

paylobster pay "send 10 USDC to 0xABC"

Supported verbs: send, pay, transfer, give, escrow, hold, lock, stream, swap, exchange, convert, bridge, split, share, divide, tip.

Merchant Services

Accept USDC payments like Stripe — charges, payment links, recurring subscriptions, and embeddable checkout widget:

Register as Merchant

# Via CLI
paylobster merchant register --name "MyBusiness" --website "https://example.com" --wallet 0xABC
# → Returns API key (pk_live_...) and secret (sk_live_...)

Create Charges (Stripe-style)

# Via API
curl -X POST https://paylobster.com/api/v1/charges \
  -H "Authorization: Bearer sk_live_YOUR_SECRET" \
  -H "Content-Type: application/json" \
  -d '{"amount": 25, "currency": "USDC", "description": "Code review service"}'

Recurring Subscriptions

curl -X POST https://paylobster.com/api/v1/subscriptions \
  -H "Authorization: Bearer sk_live_YOUR_SECRET" \
  -H "Content-Type: application/json" \
  -d '{"plan_name": "Pro Plan", "amount": 10, "interval": "monthly", "customer_wallet": "0x..."}'

Embeddable Checkout Widget

Drop a payment widget on any website:

<iframe src="https://paylobster.com/widget?merchant=pk_live_YOUR_KEY&amount=25" />

MCP Tools

• merchant_register — Register merchant, get API keys
• merchant_create_charge — Create a payment charge
• merchant_create_subscription — Set up recurring billing
• merchant_get_charge — Check charge status

Merchant API Endpoints

Endpoint	Description
POST /api/v1/merchants/register	Register merchant
POST /api/v1/charges	Create charge
GET /api/v1/charges/{id}	Get charge details
POST /api/v1/payment-links	Create merchant payment link
GET /api/v1/payment-links/{id}	Get link details
POST /api/v1/subscriptions	Create subscription
POST /api/v1/subscriptions/{id}/approve	Customer approves
POST /api/v1/subscriptions/{id}/cancel	Cancel subscription
POST /api/v1/subscriptions/charge	Process billing

Merchant Dashboard

Full merchant dashboard at paylobster.com/merchant — manage API keys, payment links, view transactions, track revenue.

Payment Links

Shareable payment URLs — drop in any DM, email, or chat. No SDK needed.

Create a Payment Link

# Via CLI
paylobster link create --amount 10 --memo "Code review" --recipient 0xABC
# → https://paylobster.com/pay/a1b2c3d4

paylobster split create --total 90 --participants '[
  {"label":"Alice","share":33},{"label":"Bob","share":33},{"label":"Carol","share":34}
]' --memo "Dinner"
# → https://paylobster.com/split/x7y8z9

// Via SDK
const link = await lobster.links.create({
  amount: '10',
  recipient: '0xABC...',
  memo: 'Code review',
  mode: 'escrow',        // or 'direct'
});
console.log(link.url); // https://paylobster.com/pay/a1b2c3d4

Via MCP

• create_payment_link — Create a shareable payment URL
• create_split_link — Create a group split payment URL
• get_payment_link — Get link details by code

{
  "tool": "create_payment_link",
  "input": { "amount": "10", "recipient": "0xABC...", "memo": "Code review" }
}
// → { url: "https://paylobster.com/pay/a1b2c3d4", amount: "10 USDC", mode: "direct" }

Via API

# Create link
curl -X POST https://paylobster.com/api/v3/links \
  -H "Content-Type: application/json" \
  -d '{"amount":"10","recipient":"0xABC...","memo":"Code review"}'

# Create split
curl -X POST https://paylobster.com/api/v3/splits \
  -H "Content-Type: application/json" \
  -d '{"total":"90","participants":[{"label":"Alice","share":33}],"creator":"0x..."}'

Features

• Direct mode: instant USDC transfer on payment
• Escrow mode: funds held until recipient releases
• Group splits: each participant pays their share, progress tracking
• OG previews: rich link previews in Discord, Telegram, Slack, email
• Expiry: optional TTL on links
• Mobile-friendly: responsive payment page

Payment Middleware (x402)

Gate any API endpoint with USDC + trust scoring — one line of code:

import { createPayLobsterMiddleware } from 'pay-lobster/middleware';

// Gate endpoint: $0.01/request, Silver+ agents only
const gate = createPayLobsterMiddleware({
  price: '0.01',
  minReputation: 50,
  trustTier: 'Silver',
});

export async function POST(req: Request) {
  const auth = await gate(req);
  if (!auth.authorized) return auth.response; // 402 Payment Required
  console.log(auth.agent); // { address, reputation: 87, tier: 'Gold' }
  // ... your logic
}

x402 Facilitator

PayLobster as x402 payment facilitator — adds reputation to every payment:

# Verify payment + get trust-enhanced receipt
curl -X POST https://paylobster.com/api/x402/facilitate \
  -H "Content-Type: application/json" \
  -d '{"payment":{"signature":"0x...","amount":"0.01","recipient":"0xABC"}}'
# → { verified: true, receipt: { payer: "0x...", reputation: 92, trustTier: "Gold" } }

MCP Tools

• x402_facilitate — Verify x402 payment + get trust receipt
• x402_create_paywall — Generate 402 response for any endpoint

Service Discovery

Find agents and services by capability, reputation, and price:

# Via CLI
paylobster discover --capability code-review --min-reputation 80

# Via API
curl "https://paylobster.com/api/v3/discover?capability=code-review&minReputation=80&trustTier=Gold"

Via MCP

• discover_services — Search agents by capability, reputation, trust tier

{
  "tool": "discover_services",
  "input": { "capability": "code-review", "minReputation": 80 }
}

Fiat On/Off Ramp

Buy crypto with a card or sell back to your bank — no separate exchange needed:

Buy USDC (Fiat → Crypto)

# Via CLI
paylobster buy 100                           # Buy $100 of USDC via Coinbase
paylobster buy 250 --provider moonpay        # Buy via MoonPay (coming soon)

// Via SDK
const buyUrl = lobster.onramp.getBuyUrl({
  address: '0x...',
  amount: 100,            // $100 USD
  provider: 'coinbase',   // or 'moonpay'
});
// → Redirect user to buyUrl

Sell USDC (Crypto → Fiat)

# Via CLI
paylobster sell 50                            # Sell 50 USDC → USD
paylobster sell 200 --method bank             # Withdraw to bank (1-3 days)
paylobster sell 100 --method card             # Withdraw to debit card (~30 min)

// Via SDK
const sellUrl = lobster.onramp.getSellUrl({ amount: 100 });
// → Redirect user to sellUrl

Via MCP

• onramp_buy — Get Coinbase Onramp URL to buy USDC with fiat
• onramp_sell — Get Coinbase off-ramp URL to sell USDC for fiat
• onramp_estimate — Estimate fees for buying or selling
• onramp_providers — List available fiat ramp providers

{
  "tool": "onramp_buy",
  "input": { "address": "0xABC...", "amount": "100" }
}
// → { url: "https://pay.coinbase.com/...", estimatedReceive: "~98.50 USDC" }

Via API

# Estimate fees
curl "https://paylobster.com/api/v3/onramp/estimate?amount=100&direction=buy"

# Get buy URL
curl "https://paylobster.com/api/v3/onramp/buy?address=0x...&amount=100"

Providers

Provider	Status	Buy	Sell	Fees	Countries
Coinbase Onramp	✅ Active	✅	✅	~1.5%	100+
MoonPay	🔜 Coming	✅	✅	~1-4.5%	160+

Payment methods: Visa, Mastercard, Apple Pay, Google Pay, bank transfer, Coinbase balance. Withdrawal methods: Bank transfer (1-3 days), debit card (~30 min), Coinbase account (instant).

Web UI

Full buy/sell interface at paylobster.com/onramp

Wallet & Portfolio

Check balances, manage tokens, and track your on-chain portfolio:

Via CLI

paylobster portfolio                          # All token balances
paylobster balance 0x...                      # USDC balance
paylobster swap quote --from USDC --to WETH --amount 50   # Swap quote
paylobster swap execute --from USDC --to WETH --amount 50  # Execute swap
paylobster bridge quote --from base --to solana --token USDC --amount 100  # Bridge quote

Via MCP

• get_balance — USDC balance on Base
• get_portfolio — All token balances (ETH, USDC, WETH, DAI, USDbC)
• get_token_price — Token price in USDC
• swap_quote / swap_execute — Token swaps via 0x on Base
• bridge_quote / bridge_execute — Cross-chain bridges via Li.Fi (60+ chains)

Via SDK

// Check balance
const balance = await lobster.getBalance('0x...');

// Full portfolio
const portfolio = await lobster.getPortfolio('0x...');

// Swap tokens
const quote = await lobster.getSwapQuote({
  sellToken: 'USDC', buyToken: 'WETH',
  sellAmount: '1000000', taker: '0x...',
});

// Bridge cross-chain
const bridgeQuote = await lobster.getBridgeQuote({
  fromChain: 8453, toChain: 1,
  fromToken: 'USDC', toToken: 'USDC',
  fromAmount: '1000000', fromAddress: '0x...',
});

Quick Start

Hosted MCP Server (Recommended)

Connect any AI agent instantly — zero setup:

{
  "mcpServers": {
    "paylobster": {
      "url": "https://paylobster.com/mcp/mcp",
      "transport": "http-stream"
    }
  }
}

For Claude Desktop (SSE): https://paylobster.com/mcp/sse

npm Packages

# SDK
npm install pay-lobster viem

# CLI
npm install -g @paylobster/cli

# Self-hosted MCP server
npm install @paylobster/mcp-server

SDK (pay-lobster@4.6.0)

17 modules covering the full PayLobster protocol including TrustGraph:

import { PayLobster } from 'pay-lobster';
import { createWalletClient, http } from 'viem';
import { privateKeyToAccount } from 'viem/accounts';
import { base } from 'viem/chains';

const account = privateKeyToAccount(process.env.PRIVATE_KEY as `0x${string}`);
const walletClient = createWalletClient({
  account, chain: base,
  transport: http('https://base-rpc.publicnode.com'),
});

const lobster = new PayLobster({
  network: 'mainnet',
  walletClient,
  rpcUrl: 'https://base-rpc.publicnode.com',
});

// Register agent identity
await lobster.registerAgent({ name: 'MyAgent', capabilities: ['analysis'] });

// Check reputation
const rep = await lobster.getReputation('0x...');

// Create escrow payment
const escrow = await lobster.escrow.create({ to: '0x...', amount: '10.00' });

// Release escrow
await lobster.releaseEscrow(escrow.escrowId);

// Stream payments
const stream = await lobster.streaming.create({
  to: '0x...', ratePerSecond: '0.001', duration: 3600,
});

// Open dispute
await lobster.disputes.open({ escrowId: '42', reason: 'Service not delivered' });

// Check credit score
const score = await lobster.creditScore.check('0x...');

// Post intent to marketplace
await lobster.intent.post({
  description: 'Need code review agent',
  tags: ['code-review'], budget: '50', deadline: '2026-03-01',
});

// Create revenue share
await lobster.revenueShare.create({
  participants: [
    { address: '0xA...', share: 60 },
    { address: '0xB...', share: 40 },
  ],
});

// Create agent treasury
await lobster.treasury.create('My Agent Fund');
const summary = await lobster.treasury.getSummary('0xTREASURY');

// Swap tokens on Base
const quote = await lobster.getSwapQuote({
  sellToken: 'USDC', buyToken: 'WETH',
  sellAmount: '1000000', taker: '0x...',
});

// Bridge cross-chain
const bridgeQuote = await lobster.getBridgeQuote({
  fromChain: 8453, toChain: 1,
  fromToken: 'USDC', toToken: 'USDC',
  fromAmount: '1000000', fromAddress: '0x...',
});

// Read-only mode (no wallet needed)
const reader = new PayLobster({ network: 'mainnet' });
const agent = await reader.getAgent('0x...');

SDK Modules (17)

Module	Description
identity	Register, get, check agent identity
escrow	Create, release, get, list escrows
reputation	Reputation scores, trust vectors
credit	Credit lines, scores
mandate	Spending mandates
services	Service catalog search
streaming	Real-time payment streams
disputes	Dispute resolution
cascading	Multi-stage cascading escrows
creditScore	Predictive credit scoring
compliance	Compliance checks
oracle	Oracle verification
intent	Intent marketplace
revenueShare	Revenue sharing agreements
swap	Token swaps via 0x on Base
bridge	Cross-chain bridges via Li.Fi
investment	On-chain investment term sheets
trustGraph	Agent trust network with endorsements (V4.4)

CLI (@paylobster/cli@4.6.0)

19 commands covering the full protocol:

# Authenticate
paylobster auth --private-key 0x...

# Configure network
paylobster config set network mainnet

# Register agent
paylobster register --name "my-agent" --capabilities "code-review,analysis"

# Check status
paylobster status

# Escrow operations
paylobster escrow create --to 0x... --amount 50
paylobster escrow list
paylobster escrow release <id>

# Quick payment
paylobster pay --to 0x... --amount 25

# Streaming payments
paylobster stream create --to 0x... --rate 0.001 --duration 3600
paylobster stream list
paylobster stream cancel <id>

# Disputes
paylobster dispute open --escrow-id 42 --reason "Not delivered"
paylobster dispute submit --id 1 --evidence "ipfs://..."
paylobster dispute list

# Credit scoring
paylobster credit-score check 0x...
paylobster credit-score request --amount 500

# Cascading escrows
paylobster cascade create --stages '[{"to":"0x...","amount":"25"}]'
paylobster cascade release --id 1 --stage 0

# Intent marketplace
paylobster intent post --desc "Need code review" --budget 50
paylobster intent list
paylobster intent offer --id 1 --price 40

# Compliance
paylobster compliance check 0x...

# Oracle
paylobster oracle status

# Revenue sharing
paylobster revenue-share create --participants '[{"address":"0x...","share":60}]'

# Token swaps
paylobster swap quote --from USDC --to WETH --amount 50
paylobster swap execute --from USDC --to WETH --amount 50
paylobster swap tokens
paylobster swap price 0xTOKEN

# Cross-chain bridging
paylobster bridge quote --from base --to solana --token USDC --amount 100
paylobster bridge execute --from base --to solana --token USDC --amount 100
paylobster bridge status <txHash>
paylobster bridge chains

# Portfolio
paylobster portfolio

# Investment
paylobster invest propose --treasury 0x... --amount 500 --type revenue-share --duration 365 --share 1500
paylobster invest fund <id>
paylobster invest claim <id>
paylobster invest milestone <id>
paylobster invest info <id>
paylobster invest portfolio
paylobster invest treasury 0x...
paylobster invest stats

Fiat on/off ramp

paylobster buy 100 # Buy $100 of USDC via Coinbase paylobster buy 250 --provider moonpay # Buy via MoonPay (coming soon) paylobster sell 50 # Sell 50 USDC → USD paylobster sell 200 --method bank # Withdraw to bank (1-3 days) paylobster sell 100 --method card # Withdraw to debit card (~30 min) paylobster ramp providers # List available ramp providers paylobster ramp estimate --amount 100 --direction buy # Fee estimate

All commands support `--json` for automation.

## MCP Server

### Hosted (53+ tools, 6 resources)

```json
{
  "mcpServers": {
    "paylobster": {
      "url": "https://paylobster.com/mcp/mcp",
      "transport": "http-stream"
    }
  }
}

Self-hosted (@paylobster/mcp-server@1.5.0)

{
  "mcpServers": {
    "paylobster": {
      "command": "npx",
      "args": ["@paylobster/mcp-server"],
      "env": {
        "PAYLOBSTER_PRIVATE_KEY": "0x...",
        "PAYLOBSTER_NETWORK": "mainnet"
      }
    }
  }
}

MCP Tools (64+)

Tool	Description
natural_pay	Natural language payments — "send 10 USDC to 0xABC"
quick_send	Send USDC to an address (structured)
register_agent	Register agent identity on-chain
get_reputation	Check reputation score
get_balance	Query USDC balance
search_services	Find services by capability/price
create_escrow	Create payment escrow
release_escrow	Release escrow funds
get_escrow	Get escrow details
list_escrows	List escrows
create_stream	Start streaming payment
cancel_stream	Cancel active stream
get_stream	Get stream details
open_dispute	Open escrow dispute
submit_evidence	Submit dispute evidence
get_dispute	Get dispute details
get_credit	Check credit score
request_credit_line	Request credit line
create_cascade	Create cascading escrow
release_stage	Release cascade stage
post_intent	Post service intent
make_offer	Make offer on intent
accept_offer	Accept marketplace offer
create_revenue_share	Create revenue split
check_compliance	Check compliance status
swap_quote	Get token swap quote on Base
swap_execute	Execute token swap
swap_tokens	List available tokens
swap_price	Get token price
bridge_quote	Get cross-chain bridge quote
bridge_execute	Execute cross-chain bridge
bridge_status	Track bridge transaction
bridge_chains	List supported chains
get_portfolio	View multi-token balances
get_token_price	Get token price in USD
investment_propose	Propose investment into treasury
investment_fund	Fund a proposed investment
investment_claim	Claim streaming/fixed returns
investment_milestone	Complete milestone (oracle)
investment_info	Get investment details
investment_portfolio	Investor's portfolio
investment_treasury	Treasury's investments
investment_stats	Protocol-wide stats
merchant_register	Register merchant, get API keys
merchant_create_charge	Create payment charge (Stripe-style)
merchant_create_subscription	Set up recurring USDC billing
merchant_get_charge	Check charge status
create_payment_link	Create a shareable payment URL
create_split_link	Create a group split payment URL
get_payment_link	Get payment link details by code
discover_services	Search agents by capability/reputation/tier
x402_facilitate	Verify x402 payment + trust receipt
x402_create_paywall	Generate 402 response for any endpoint
onramp_buy	Get Coinbase Onramp URL to buy USDC with fiat
onramp_sell	Get Coinbase off-ramp URL to sell USDC for fiat
onramp_estimate	Estimate fees for buying or selling crypto
onramp_providers	List available fiat ramp providers

MCP Resources (6)

URI	Description
paylobster://agent/{address}	Agent profile & reputation
paylobster://escrow/{id}	Escrow status & details
paylobster://credit/{address}	Credit score & lines
paylobster://stream/{id}	Streaming payment details
paylobster://dispute/{id}	Dispute details & evidence
paylobster://intent/{id}	Intent & offers

REST API

Base URL: https://paylobster.com

Endpoint	Description
GET /api/v3/agents/{address}	Agent identity & capabilities
GET /api/v3/reputation/{address}	Reputation score & trust vector
GET /api/v3/credit/{address}	Credit score & health
GET /api/v3/balances/{address}	USDC balance on Base
GET /api/v3/escrows	List escrows (?creator= or ?provider=)
GET /api/v3/escrows/{id}	Single escrow details
POST /api/x402/negotiate	x402 payment negotiation
GET /api/badge/{address}	Trust badge SVG
GET /api/trust-check/{address}	Quick trust verification
POST /api/v3/links	Create payment link
GET /api/v3/links/{code}	Get payment link details
POST /api/v3/splits	Create group split link
GET /api/v3/splits/{code}	Get split details
GET /api/v3/discover	Service discovery (?capability=&minReputation=)
POST /api/x402/facilitate	x402 payment verification + trust receipt
GET /api/v3/onramp/estimate	Fee estimate for buy/sell (?amount=&direction=)

Contracts (Base Mainnet)

V3 (Core — Security-Fixed)

Contract	Address
Identity Registry	0xA174ee274F870631B3c330a85EBCad74120BE662
Reputation	0x02bb4132a86134684976E2a52E43D59D89E64b29
Credit System	0x4c22B52eacAB9eD2Ce018d032739a93eC68eD27a
Escrow V3	0x703B528C1b07cd27992af9Ae11DD67bE685E489e
SpendingMandate	0xd146b6279fb434646d0a6D7D7083ecC2648093f0
CoinFlip	0xb8f1dc38eb6a9c1589db024705f59b1af65e89a1
USDC	0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913

CoinFlip Contract Functions

createFlip(uint256 amount) → uint256 flipId     // Stake USDC, min 1 USDC (6 decimals)
acceptFlip(uint256 flipId)                        // Match the stake, starts the flip
resolveFlip(uint256 flipId)                       // Determine winner via blockhash
cancelFlip(uint256 flipId)                        // Cancel before acceptance (creator only)
getFlip(uint256 flipId) → (address creator, address challenger, uint256 amount, uint256 resolveBlock, bool resolved, address winner, uint256 createdAt)
getActiveFlips() → uint256[]                      // List open/active flip IDs

Escrow V3 Functions

createAndFundEscrow(address seller, uint256 amount, uint256 creditAmount, string description) → uint256 escrowId
releaseEscrow(uint256 escrowId)                   // Only buyer/sender can release
getEscrow(uint256 id) → (address sender, address recipient, uint256 amount, address token, uint8 status)
nextEscrowId() → uint256

Token Balance API

# Get all token balances for any address
curl "https://paylobster.com/api/v3/wallet/tokens?address=0x..."
# → { address, tokenCount, tokens: [{ symbol, name, balance, icon }] }

V4 (Deployed)

Contract	Address
PolicyRegistry	0x20a30064629e797a88fCdBa2A4C310971bF8A0F2
CrossRailLedger	0x74AcB48650f12368960325d3c7304965fd62db18
SpendingMandate	0x8609eBA4F8B6081AcC8ce8B0C126C515f6140849
TreasuryFactory	0x171a685f28546a0ebb13059184db1f808b915066
InvestmentTermSheet	0xfa4d9933422401e8b0846f14889b383e068860eb

| TrustGraph | 0xbccd1d0a37ce981a13b3392d7881f94e28fa693b | | FeeRouter | 0x08b519f6f43b1f5bc74011475c5a1c3dcbd965b7 |

V4 (Compiled, Pending Deploy)

AgentBiddingProtocol · InsurancePool · StreamingPayment · CascadingEscrow · DisputeResolution · IntentMarketplace · ComplianceMandate · RevenueShare · ConditionalRelease · AgentCreditScore · ServiceCatalog · OracleRouter

Token & NFT (Compiled, Pending Deploy)

LBSTR (ERC-20, 88M supply, burn to 24M, 5 burn engines) · AgentSoulbound (ERC-5192 soulbound, 5 tiers, 88 Genesis, dynamic on-chain SVG) · AchievementBadges (ERC-1155 soulbound, 37 badge types across 5 categories)

Contracts (Base Sepolia)

Contract	Address
Identity	0x3dfA02Ed4F0e4F10E8031d7a4cB8Ea0bBbFbCB8c
Reputation	0xb0033901e3b94f4F36dA0b3e59A1F4AD9f4f1697
Credit	0xBA64e2b2F2a80D03A4B13b3396942C1e78205C7d
Escrow V3	0x78D1f50a1965dE34f6b5a3D3546C94FE1809Cd82

Common Patterns

Create an agent treasury

# Deploy treasury via factory
paylobster treasury create "My Agent Fund"

# View treasury info
paylobster treasury info

# Set budget allocation
paylobster treasury budget --ops 4000 --growth 3000 --reserves 2000 --yield 1000

# Grant operator access with spend limits
paylobster treasury grant --address 0xAGENT --role operator
paylobster treasury limit --address 0xAGENT --per-tx 100 --per-day 500

Swap tokens

# Get a quote
paylobster swap quote --from USDC --to WETH --amount 50

# Execute swap
paylobster swap execute --from USDC --to WETH --amount 50

# Bridge to another chain
paylobster bridge execute --from base --to solana --token USDC --amount 100

Invest in an agent's treasury

# Propose a revenue share investment
paylobster invest propose --treasury 0xAGENT_TREASURY --amount 500 \
  --type revenue-share --duration 365 --share 1500

# Fund the investment
paylobster invest fund 0

# Check claimable returns
paylobster invest info 0

# Claim returns
paylobster invest claim 0

# View your portfolio
paylobster invest portfolio

Agent paying for a service

# 1. Check provider reputation
paylobster reputation 0xPROVIDER

# 2. Create escrow
paylobster escrow create --to 0xPROVIDER --amount 25

# 3. After delivery, release payment
paylobster escrow release <id>

Streaming payment for compute

# Pay $0.001/sec for 1 hour of inference
paylobster stream create --to 0xPROVIDER --rate 0.001 --duration 3600

Multi-agent collaboration with revenue split

# Create a revenue share for a 3-agent pipeline
paylobster revenue-share create --participants '[
  {"address":"0xA...","share":50},
  {"address":"0xB...","share":30},
  {"address":"0xC...","share":20}
]'

Read-only queries (no wallet needed)

curl https://paylobster.com/api/v3/reputation/0xADDRESS
curl https://paylobster.com/api/v3/escrows?creator=0xADDRESS

Coinbase AgentKit Integration

Add PayLobster to any Coinbase AgentKit agent:

import { paylobsterActionProvider } from '@paylobster/agentkit-provider';

const agent = await createReactAgent({
  llm: model,
  walletProvider: wallet,
  actionProviders: [paylobsterActionProvider()],
});

Actions: paylobster_register_identity, paylobster_create_escrow, paylobster_release_escrow, paylobster_check_reputation, paylobster_get_credit_score, paylobster_get_agent_profile.

High-Level SDK (@paylobster/agent-toolkit)

PayLobster-first SDK with clean 4-line DX:

import { PayLobsterAgent } from '@paylobster/agent-toolkit';

const agent = new PayLobsterAgent({ network: 'base', wallet: 'coinbase' });
await agent.register({ name: 'MyAgent' });
const escrowId = await agent.escrow({ seller: '0x...', amount: 100 });
await agent.release(escrowId, { rating: 5 });

Resources

• Website: paylobster.com
• Docs: paylobster.com/docs
• MCP Server: paylobster.com/mcp-server
• npm SDK: npmjs.com/package/pay-lobster
• npm CLI: npmjs.com/package/@paylobster/cli
• npm MCP: npmjs.com/package/@paylobster/mcp-server
• npm AgentKit Provider: npmjs.com/package/@paylobster/agentkit-provider
• npm Agent Toolkit: npmjs.com/package/@paylobster/agent-toolkit