Bloby on Arc - Agentic Creator Payment Platform

Bloby is an agentic payments layer for the creator economy that uses Circle’s Web3 stack end-to-end. Fans get guided discovery (“What are you here for?”), try-before-subscribe, 5-second audio previews, and one-tap checkout. The agent clarifies needs, answers pricing/commission questions, negotiates when appropriate, and completes payment using Circle Programmable Wallets (Developer-Controlled) and Wallets/Transfers APIs. Gas is abstracted via Circle Gas Station (paymaster), and cross-chain USDC consolidation uses Circle CCTP + Bridge Kit to move funds to Arc, where USDC is native. Refunds are automated from a per-creator Circle refund wallet with daily caps; if needed, we fallback to Privy wallets. For creators, Blobby adds AI pricing (per-item, bundles, pay-as-you-go splits), post auto-voicing (ElevenLabs), and clean analytics on conversions and refund reasons. Under the hood, a Cloudflare AI Worker (via AI Gateway) runs creator-aware chat; “agent tools” are signed Next.js API routes that open checkout, record transactions, and process refunds, with state in Supabase (profiles, tone, posts, entitlements). Roadmap: Circle On/Off-Ramp to hide crypto for web2 users.