Cobrá

Cobrá is a checkout agent for Latin American merchants on Celo mainnet: the merchant asks for pesos or reais, and receives exactly that amount in wARS or wBRL, in their own wallet.

Who it is for. Small shops in Argentina and Brazil whose customers hold dollars (USD₮, USDC, USA₮) while the shop prices, earns and pays rent in local currency. They have no payment terminal and no exchange account, and their customers rarely hold CELO for gas.

How it works.

1. The merchant types cobrar 4500 pizza in Telegram (Spanish, Portuguese or English, text or voice). The bot replies with a QR code, a payment link and a WhatsApp share button.
2. The customer scans it, connects a wallet (MiniPay, MetaMask…) and signs once per token used. No gas: Cobrá's agent relays the transaction.
3. An immutable router pulls the customer's stablecoins, splits across up to 3 tokens if needed, converts at the best price between Uniswap V3 and Textile FX RFQ quotes, pays the merchant exactly the invoice amount in wFIAT, and refunds any surplus in the same transaction.
4. The merchant gets a Telegram receipt with a Celoscan link, plus a daily close at 21:00 with a CSV.

Coverage. Argentina (wARS) and Brazil (wBRL) with conversion from USD₮, USDC and USA₮; Mexico and Colombia with direct wMXN / wCOP payment, bought in pesos through Ripio's on-ramp if needed. A merchant can also choose to be paid in USD₮ at the reference rate (/moneda).

Agent autonomy with guardrails. The agent (ERC-8004 #10033, one wallet for the whole event) understands requests with an LLM. Deterministic code parses every amount, so the model never computes money and never reaches a key. Before relaying, a single signing module checks the target contract, the calldata, a kill switch, USD caps (per payment, day, merchant and payer), self-payments, a price guard against reference FX rates, and smart-account signatures. Refusals are counted on the public /proof page. The router has no owner, no fee and no upgrade path: nobody can redirect a payment.

Agent economy (x402). The agent sells a paid FX quote endpoint (0.001 USD₮ or USDC per call), settled through Celo's x402 facilitator, and advertises it in its ERC-8004 agent card.

Celo stack. Ripio wARS and wBRL settlement, ERC-8004 identity, ERC-8021 attribution tag on every relayed transaction, gasless EIP-3009 / Permit2 signatures, Uniswap V3 and Textile FX on Celo mainnet, x402 through Celo's facilitator, and the Ripio on-ramp when a customer lacks funds.

Live proof. Every payment, cost and refund is listed on https://cobra-beige.vercel.app/proof, linked to Celoscan, and reproducible read-only with pnpm verify:payments. Status today: 4 team-test mainnet payments (ARS and BRL), no real merchants yet. Team wallets are labelled and not counted. The README documents the architecture, contract addresses, measured fees per corridor, proof transactions and known limits.

Next. A Brazil pilot with real merchants (Pix → wBRL via Ripio), then bank-transfer / Pix payments for customers without a wallet.