Agentic treasury and payroll for Latin America, built on Stellar

Nobody can prove it was allowed

Software is starting to move company money on its own. Once it does, nobody can prove afterward that a specific payment was authorized under specific terms. That gap is what keeps a finance team from letting an agent near its treasury.

It is most acute where the friction is already highest: companies paying distributed teams across Latin America. Volatile local currencies, slow and expensive cross-border rails, idle treasury cash earning nothing, compliance living in PDFs nobody can check.

Agents can sign. Nothing binds them yet

Agents are starting to hold real spending authority. Nothing today binds that authority to enforceable terms at the moment the agent signs.

The Legal Context Protocol launched in 2026: the American Arbitration Association and Integra Ledger, with the Stellar Development Foundation as a founding contributor. We did not invent it. We built the part that makes it enforceable at the signing path of an autonomous agent, the part nobody had built.

A signed manifest on every action

Contextio is an autonomous treasury and payroll agent. Every action that changes state is cryptographically bound to a signed Legal Context Protocol manifest, and the manifest hash goes on-chain with the transaction.

We are a Level 4 conformant implementation, self-assessed against the published criteria. The conformance report and the hash recomputation are public. Check it yourself:

# 1. Fetch the live discovery document and read the declared hash + version
curl -s "https://contextio-api.fly.dev/.well-known/contextio-legal-context.json?domain=contextio.xyz" \
  | python3 -c 'import json,sys; d=json.load(sys.stdin); print(d["atrHash"], "v"+str(d["version"]))'

# 2. Fetch the terms document it points to, independently
curl -s "https://contextio-api.fly.dev/.well-known/contextio-terms.md" -o terms.md

# 3. Hash it yourself and compare to the atrHash from step 1
sha256sum terms.md

atrHash: 0x579eeabf5f640d9cbb274824287fa7d1ef540ae9cc773e79f6d2cec913b4237e (document version 8)

The company wallet signs. Not us

Funds stay in the company's own USDC wallet. Contextio holds no key that can move that money. On mainnet, a signing key cannot exist on the process: it refuses to boot if one is present.

The decision engine is deterministic and auditable. An LLM, any provider, bring your own key, only writes the plain-language explanation. It never makes a financial decision.

Live today, not a deck

Testnet runs the full autonomous stack, live 24/7: real Blend v2 lending, real DeFindex vaults, a real payroll contract, no human in the loop.

Mainnet is live and deliberately narrow: a real price oracle, self-custody actions, zero custodial surface, invitation-only while the contracts wait for external audit.

What it costs today, without Contextio

A LATAM company paying 25 distributed contractors around $2,000 a month each runs $50,000 of monthly payroll. Today it pays roughly $1,225 a month in platform fees, loses 2 to 4 percent to FX spread on cross-border settlement, and earns nothing on the one to two months of payroll it holds as a buffer.

None of it shows up on a single invoice. Contextio starts at a fraction of that per month, and is the only one of the three costs above that also leaves a provable audit trail.

One subscription, priced by headcount

A standard, not a moat

Payroll and treasury automation exist elsewhere, including on Stellar. None of them can prove to an auditor that a specific payment was authorized under specific legal terms. That layer is a standard, not a moat, which makes several of these projects possible integrators rather than rivals.

Off-chain, Deel, Remote, Ontop, and Payoneer have real distribution. Settlement is slow, expensive, and impossible to verify independently. Request Finance, Utopia Labs, Rise, and Superfluid do not combine autonomous treasury yield with payroll settlement, and none has an on-chain compliance layer.

Team

Gio and Monse are SDF SCALE and Impacta graduates.

Where we are, what's next

Post-launch, pre-revenue, one internal tenant today.

Next: external audit of the Soroban contracts, a licensed anchor relationship for real local-rail settlement in Brazil, Argentina, and Colombia, and the first external pilot customer.

Building this out through the Stellar Community Fund Integration Track.