Autonomous agent finance, natively on Stellar.
Website · Design (Figma) · Pitch (YouTube)
Lily Protocol is building the agent finance layer of the Stellar ecosystem. It gives AI agents what they need to operate in the real economy on-chain: a Stellar wallet bound by on-chain policy, a verifiable Soroban identity, and USDC / XLM settlement — all orchestrated by an autonomous agent runtime and exposed through typed APIs.
Agents run on Stellar-native rails end to end: every AgentLily is provisioned with a Stellar account address, quotes payments at Stellar's 7-decimal stroop precision, and settles against Stellar assets (USDC, native XLM) through a Soroban contract layer that records identity, wallet policy, and payment intents on the ledger.
AgentLily (autonomous finance agent)
│ tasks · tools · events agentlily-runtime
▼
Lily Protocol API lily-backend
│ Stellar G… identities · stroop-precision USDC/XLM quoting
▼
Soroban contracts on Stellar lily-contracts
│ identity · wallet policy · payment intents · escrow
▼
Stellar network — USDC · XLM · Soroban RPC · ledger events
Every layer of the stack maps onto a real Stellar primitive:
| Stellar primitive | Where Lily uses it |
|---|---|
Stellar account (G…) |
Every AgentLily is given a deterministic Stellar-format account address; backend APIs validate G… addresses with Stellar's base32 + CRC-16/XModem checksum scheme before any payment flow. |
| Soroban smart contracts (Rust) | lily-contracts ships on-chain contracts for agent identity, wallet-policy bindings + spend limits, and payment-intent settlement, built with soroban-sdk and deployed with stellar-cli. |
| Stellar Asset Contracts — USDC & native XLM | The payment assets Lily quotes and settles. The backend and SDK model native XLM (no issuer) vs issued USDC (56-char G… issuer) exactly as the ledger does. |
| Stroop precision (7 decimals) | Amounts are validated at 7-decimal stroop precision in API schemas and SDK MoneyAmounts — decimal strings, never floats — mirroring Stellar's 10^-7 XLM smallest unit. |
| SEP asset semantics | MoneyAmount encodes Stellar's (assetCode, assetIssuer) identity and SEP-1 home_domain discovery so issuers resolve like they do on the network. |
| Stellar testnet + Soroban RPC | Testnet-first development everywhere: stellar-testnet wallet provisioning in the SDK, a Soroban RPC health script in lily-contracts, and CI-verified test suites. |
| Stellar wallet (Freighter, planned) | The frontend roadmap connects browser wallets so controllers authorize AgentLily Stellar transactions from the dashboard. |
- Non-custodial by design — an AgentLily's funds live in its own Stellar wallet, governed by on-chain policy rather than a platform's hot wallet.
- Real settlement rails, today — USDC and native XLM via Stellar Asset Contracts, the same assets consumers and anchors already use.
- Verifiable on-chain identity — agents register on the ledger (Soroban), so counterparties can audit who an agent is, what it's allowed to spend, and what it has done.
- Built the Stellar way — Rust +
soroban-sdk,stellar-cliworkflows, testnet-first development, and SEP-aware asset semantics across the whole stack. - An open-source ecosystem project — every repository ships CI, typed contracts, tests, contributor docs, and a scoped issue backlog for community builders.
| Layer | Repository | Role on Stellar |
|---|---|---|
| Contracts | lily-contracts |
Rust Soroban contracts: on-chain agent identity, wallet-policy bindings + spend limits, payment-intent settlement, escrow design |
| Backend | lily-backend |
API that provisions AgentLily Stellar identities (G…), validates Stellar checksums, and quotes/executes USDC & XLM payments |
| Runtime | agentlily-runtime |
Execution layer for AgentLily instances — tasks, typed tools, and Stellar wallet.prepare_payment |
| SDK | lily-sdk |
TypeScript SDK with stellar-testnet provisioning and stroop-precision MoneyAmount (XLM vs USDC) |
| Frontend | lily-frontend |
Next.js dashboard where controllers manage agents, Stellar wallets, and USDC/XLM payments |
| Repository | CI | License |
|---|---|---|
lily-contracts |
 |
Apache-2.0 |
lily-backend |
 |
ISC |
agentlily-runtime |
 |
Apache-2.0 |
lily-sdk |
 |
MIT |
lily-frontend |
 |
Apache-2.0 |
Where the stack is heading on Stellar next:
- On-chain settlement — token-transfer settlement against USDC / native XLM via Stellar Asset Contracts in
contracts/payments. - Escrow to production — graduate
contracts/escrowfrom invariant design waves (milestones, disputes, quorum) into audited Soroban entry points. - Mainnet deployment — deployment manifests and release signing for Stellar mainnet, with
stellar-cliartifacts and ledger addresses. - Live agent wallets — real AgentLily balances and USDC/XLM transaction history on the dashboard.
- Freighter authorization — approve AgentLily Stellar transactions from the browser wallet in
lily-frontend.
- Chain: Stellar / Soroban (testnet-first, mainnet-ready)
- Contracts: Rust (
soroban-sdk,stellar-cli) - Services & SDK: TypeScript, Node.js
- App: Next.js, React
- Assets: USDC + native XLM via Stellar Asset Contracts
Open-source foundation work across the stack. Repositories are structured for contributors, with CI, typed APIs, and clear extension points while core protocol surfaces continue to mature toward Stellar mainnet deployment.
- Pick a repository from the table above
- Read its
README,CONTRIBUTING, and open issues - Open a focused pull request against
main
Questions, proposals, and Stellar ecosystem collaboration are welcome via GitHub Issues on the relevant repository.
