PennyAgent
AI agents that think before they spend
Budget-aware, policy-driven micropayments on Stellar. Visible economic reasoning for the agentic web.
Built on Stellar · Powered by x402 · Real micropayments on testnet
2-minute demo
AI agents can't pay for anything
AI agents can browse, reason, and create — but they hit a wall at every paywall. They have no way to evaluate whether a paid API is worth the cost, no spending policies, and no ability to make sub-cent transactions. Traditional payment rails weren't built for machines making thousands of micro-decisions.
Meet PennyAgent
PennyAgent makes AI agents financially intelligent. It doesn't just spend — it thinks before it spends. Every purchase decision is evaluated against a budget, a spending policy, and an economic reasoning model powered by Claude.
Budget Awareness
Tracks every cent spent
Policy Engine
Enforces spending rules
Visible Reasoning
Explains every decision
Three steps to smart spending
Encounter Paywall
The agent discovers a paid API endpoint that returns an HTTP 402 response with a price tag.
Evaluate Cost
Claude analyzes whether the tool is worth the price — considering budget, policy limits, and expected value.
Pay or Skip
If approved, a micropayment executes on Stellar in ~5 seconds. If not, the agent walks away with a reason.
The agent thinks, then decides
“Research whether solar energy is a good investment right now. Budget: $0.10”
Market Overview
FREEFree tool — always run first to establish baseline market context.
News Digest
$0.005Very cheap and adds recent news context not available from free sources.
Sentiment Analysis
$0.01Provides unique sentiment signal that strengthens the investment thesis.
Deep Research
$0.08Exceeds $0.03 max-per-tool policy. Would consume 80% of remaining budget for marginal improvement.
Spent $0.015 of $0.10 budget · 3 tools bought · 1 skipped · 2 Stellar transactions
Try It YourselfWhat makes PennyAgent different
Economic Reasoning
The agent evaluates cost vs. expected value before every purchase, powered by Claude structured output.
Policy Enforcement
Budget limits, per-tool caps, and allowlists are respected automatically. No overspending, ever.
Real Stellar Payments
x402 micropayments on Stellar testnet — sub-cent precision, 5-second settlement, verifiable on-chain.
Visible Decisions
Every buy/skip decision displayed with reasoning, confidence scores, and Stellar transaction receipts.
Modern stack, real payments
Reliable, modern tools powering real micropayments and AI reasoning.
Ready to see AI spend wisely?
Built for Stellar Hacks: Agents 2026 · PennyAgent