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Agentic payments

Give AI agents bounded spending authority. Lightspark enforces permissions, limits, and approval flows at the account layer.

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Lightspark API

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Capabilities / Agentic payments

AI agents act within policy-defined boundaries. Permissions, spending limits, and approval flows are enforced at the account layer. Swipe to explore.

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Technical specs

01

Overview

Give AI agents bounded spending authority over Global Accounts. The Lightspark API enforces permissions, spending limits, and approval flows at the account layer. The agent operates inside the wallet, not outside it.

02

Permissions

  • View balancesRead account balances and details
  • View historyRead transaction history
  • Create external accountsRegister new payout destinations
  • Create quotesRequest locked exchange rates and fee previews
  • Execute withdrawalsInitiate outbound transfers under policy controls
  • Account restrictionsScope access to specific internal account IDs; some view-only
03

Spending limits

  • Per-transactionMaximum amount for any single action
  • Daily spendRolling 24-hour value cap
  • Monthly spendRolling 30-day value cap
  • Transaction countDaily limit on the number of executions
04

Approvals

  • Auto-executeLow-risk actions proceed immediately after policy validation
  • Approval requiredA pending request is dispatched to your app for confirmation
  • Threshold-basedAuto below a configured amount; require approval above it
  • Destination-awareAlways require approval when the destination is new
05

Audit

  • Activity recordsAgent ID, action type, amount, source, destination, reason, timestamps
  • Policy decisionsEach record includes the policy evaluation result and approval status
  • Real-time revocationPause or permanently revoke delegated access at any time
  • Linked transactionsEvery activity links to a quote ID or transaction ID
06

API

  • ProtocolREST, OpenAPI 3.1
  • SDKsTypeScript, Kotlin
  • AuthHTTP Basic (server-side), Passkeys / OIDC / Email OTP (end-user)
  • Money movementQuote → execute → webhook. Same flow for every rail, every currency.
  • SigningECDSA P-256, device-held keys, per-action payloadToSign
  • IdempotencyIETF-spec Idempotency-Key on every mutation
  • WebhooksSigned payloads, exponential retry, deduplicate by delivery ID
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07

Integration

  • Time to launchWeeks
  • BrandingYour brand and product surface
  • EconomicsReserve rewards, card interchange, FX margin, and transaction fees accrue to the platform
  • ComplianceLightspark MSB, hosted KYC/KYB, or bring your own
  • PricingCustom
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