💡 Lumio: AI Agents with Light-Speed Transparency

Lumio lets anyone run or schedule AI agents with one click on the Stellar network.

🔮 Our Brand Promise: Light-speed transparency. You see the maximum cost upfront and get automatic refunds for any unused resources. No more surprise bills—just predictable, pay-per-use AI.

---

✨ Key Features

• 🛡️ Predictable & Safe Spending: Pre-approve a Max Charge for every run. Funds are held securely in an on-chain escrow, so you never spend more than you intend.
• 💸 Automatic Refunds: Unused funds are instantly refunded to your wallet after each run. You only pay for what you use, down to the millisecond.
• ⛓️ Stellar-Native Payments: Built on Stellar for fast, cheap, and transparent payments using stablecoins like USDC.
• 👩‍💻 Simple Developer Monetization: Agent developers can publish their work, set a public rate card, and get paid instantly for every run.
• 🧩 Composable & Programmable: With on-chain events and functions, other applications can easily trigger and integrate with Lumio agents for programmatic workflows.

---

🚀 How It Works

Lumio makes running AI agents as simple and transparent as possible.

1. Fund Your Wallet: Deposit USDC into your personal on-chain PrepaidVault.
2. Pick an Agent: Browse our marketplace of powerful AI agents.
3. Set Your Budget & Run: Before running, you see a clear Max Charge. Click "Run" to approve and escrow that amount.
4. Agent Executes: An off-chain "Runner" executes the agent's task, strictly enforcing the budget limits you approved.
5. Settle & Refund: The Runner reports the Actual Usage to the smart contract. The contract pays the developer and instantly refunds the difference to you.

Refund = Max Charge - Actual Cost

It's that simple. All verifiable on-chain.

---

👥 Who is Lumio For?

For Users ("Runners")

• ✅ 1-Click Runs: A simple, beautiful interface to execute powerful AI agents.
• 💰 Visible Max Charge: Know the most you could possibly spend before you commit.
• 🔄 Automatic Refunds: No need to claim or wait. Unused funds are sent back to your wallet automatically.
• 💵 Predictable Platform Fee: Every preview or run includes a fixed USDC 0.01 Lumio fee, so operating costs stay transparent.
• 📈 Full Audit Trail: Every run, payment, and refund is a transaction on the Stellar ledger.
• 🗓️ Scheduling: Set agents to run on a schedule (e.g., hourly, daily) with daily spending caps for full control.

For Developers

• 🚀 Publish & Earn: Easily list your AI agents on the marketplace and reach a wide audience.
• 💵 Instant Payouts: Receive your earnings in USDC the moment a run is successfully completed.
• 📢 Public Rate Cards: Define your own pricing for different resources (e.g., LLM tokens, CPU time, API calls).
• 🔗 Simple Integration: Just provide a manifest and a runner key to get your agent online.

---

🛠️ Technology Stack

Lumio is built with a modern, robust, and decentralized technology stack:

• Frontend: Next.js, React
• Smart Contracts: Rust, Soroban
• Blockchain: Stellar
• Runner Service: Node.js / TypeScript

---

💸 Pricing Model

• Platform fee: Every preview or full run deducts a flat USDC 0.01 from the smart wallet before usage-based charges are applied.
• Token metering: We translate Gemini usage into USDC with midpoint rates derived from current public pricing:
  • Input tokens (text/image/video): USDC 0.125 per 1M tokens.
  • Output tokens (standard response mode): USDC 0.50 per 1M tokens.
  • HTTP calls and runtime meters retain their default rate card values for the MVP.
• Automatic refunds: If a run settles below its escrowed Max Charge, the difference is returned immediately—platform fees excluded.

This mirrors what the frontend enforces: smart wallet deductions equal platform fee + metered usage, ensuring even dry-run previews reflect real operating costs.

---

🎬 Live Demo Walkthrough

Here’s how to experience the magic of Lumio with our hackathon demo:

1. Deposit: Add some testnet USDC to your wallet.
2. Run Once: Choose the "Web Summarizer" agent, approve the Max Charge, and run it.
   • Want live Gemini responses? Click Gemini API key in the Builder header and paste your key before running.
3. See the Refund: Check your run history. You'll see the Actual Cost and the Refund you automatically received!
4. Enable a Schedule: Find the "RSS Digest" agent and set it to run hourly with a daily cap.
5. Pause It: Go to your policy screen and hit "Pause." All scheduled and new runs will be stopped until you resume.
6. Test the Caps: Try to run an agent with a Max Charge that exceeds your daily cap. The transaction will be safely rejected.

---

🔭 The Future of Lumio (Roadmap)

We're just getting started! Here's what we're dreaming of for P1 and beyond:

• ✅ Verified Agents & Reputation Systems
• 🤝 Split Payments for collaborative agents
• 🔐 Private Data Vaults for sensitive information
• 🖼️ A gallery of workflow templates
• 🏢 Team accounts with shared budgets and policies

---