Autonomous Cross-Border Treasury Agent

A company operating in India, Brazil, Mexico, and the US has to move payroll, vendor payments, stablecoin balances, FX exposure, and yield by hand. An unbounded agent with a treasury key is worse than the spreadsheet.

The agent receives policies: keep $20k USD liquidity, pay Brazilian suppliers every Friday, park excess in approved yield assets, never hold more than 20% BRL, never transfer over $5k without a human. Balances flow through the agent into a Soroban policy engine that allows FX, stablecoins, yield, and payments only inside those rules.

This sits on the themes Stellar is shipping together: cross-border settlement, stablecoins, RWAs, Soroban, agentic payments, and programmable compliance.

Friday arrives. The agent proposes the supplier payment in BRL. The policy allows it because it is under $5k and inside the BRL cap. A $9k transfer waits for a person. Excess USD above $20k can move into an approved yield asset.

1. 01

   Bank and stablecoin balances

2. 02

   Treasury agent proposes an action

3. 03

   Soroban policy engine

4. 04

   FX, stablecoins, yield, or payment — only if the rule passes

• Ingest balances for USD and at least one local stablecoin.
• Encode the five policies onchain.
• Let the agent propose a payment, an FX trade, or a yield deposit.
• Execute only what the policy allows.
• Queue anything over $5k for human approval.
• Show the proposal, the rule that fired, and the result.

• Policy engine

  Liquidity floor, BRL cap, allowlisted yield, and the $5k approval rule.

• Proposal

  The agent submits an action. The engine accepts, rejects, or queues it.

• FX adapter

  Swaps between approved stablecoins inside the exposure cap.

• Yield adapter

  Deploys surplus above the USD floor into an approved venue.

• Multi-stablecoin SAC balances
• Soroban policy as the execution gate
• x402 or MPP if a vendor is paid per call
• Cross-border settlement without giving the agent the treasury key

• USDC
• A BRL stablecoin
• Blend or DeFindex
• x402
• MPP

1. 01

   Balances + policies

   Read two assets. Store the five rules.

2. 02

   Proposals

   The agent submits pay, swap, or yield. The engine returns allow, deny, or needs approval.

3. 03

   Payments

   A Friday supplier payment that passes, and a transfer over $5k that waits.

4. 04

   FX + yield

   Block a swap that would push BRL over 20%. Sweep USD above $20k.

5. 05

   Demo

   One allowed payment, one queued payment, one blocked FX move.

• Add India and Mexico corridors with the same policy shape.
• Pay a vendor API through x402 without raising the transfer cap.

• x402 on Stellar
• MPP
• Blend
• DeFindex