stackbrokerPublic draft · 07 Sep 2026The consumer-side transaction network that turns intent and flexibility into better offers.
A consumer’s flexibility has value. Today, almost none of it reaches the businesses that could act on it.
Availability sits across calendars, marketplaces and waitlists. Consumers repeat the same search.
A provider’s open hour and a consumer’s flexible schedule rarely find each other in time.
Agents need firm offers, permission to act and reliable confirmation—not another list of links.
Sometimes the better offer is sooner.
Not every buyer is price sensitive. Earlier access and a better fit can matter more than a discount.
Tool distribution, programmable scheduling and machine payments make a new transaction layer technically possible.
MCP and REST let builders put transaction capabilities inside the assistant a consumer already uses.
Scheduling APIs expose availability and booking operations, within each provider’s permissions and limits.
Machine-payment rails can support programmatic payment. Eligibility and small-fee economics still need verification.
These are documented capabilities, not Stackbroker integrations or partnerships. We are building the transaction layer between personal agents and permissioned supply.
“Haircut next week, after 4pm; flexible Tue–Thu; all-in under $45.”
A private mandate carries timing, preferences and spending authority. The owner authorizes the offered terms before a provider confirms.
Declare mandate → match firm offer → authorize → provider confirms → fee + receipt
A haircut after 4pm, Tuesday to Thursday next week. The $45 ceiling includes the proposed fee.
No booking, payment or personal data is created by this illustration.
Begin with a better result for one consumer. Pool compatible demand only when real local density makes an offer worthwhile.
Real, unique consumers. Authorized needs, not speculative agent traffic.
Providers choose terms that make available capacity useful.
A better price, earlier access or a more suitable appointment.
Confirmed results earn the next mandate—and potentially more demand.
Network effects are a hypothesis. Consumers and providers can use multiple services. Defensibility must come from repeat outcomes in a compatible local market.
Phase 1: single-consumer utility. Phase 2: pooled offers. Providers do not receive exact local demand counts or consumers’ private budgets.
Technical pilot candidates with discrete services, flexible timing and expiring capacity. Choose one permitted connector and opted-in providers in one local pocket.
No geography selected. Provider access and usable scheduling permissions determine the first market.
For existing patients and practice-approved slots. Separate clinical/privacy review and scheduler boundaries; discovery does not confer booking authority.
Extend consumer mandates to repeat purchases after fulfillment and payment economics work.
Enter only after proving distribution and repeat transaction quality in simpler categories.
Launch through independent builders and provider-owned waitlists. Meet the consumer at an existing moment of intent.
independent agent-builder integrations
opted-in providers with existing demand
Proposed pilot configuration. No partners committed.
Free bounded tools and keys. Integrate a useful action without a consumer subscription or dashboard acquisition funnel.
A successful outcome returns machine-readable proof to the agent and a clear receipt to its owner.
Provider-owned waitlists create consumer pull. Tool registries enable discovery; they do not create adoption.
Proposed consumer-authorized fee per provider-confirmed booking.
Free bounded discovery, orders and failed matches. Providers free. No subscriptions, paid rankings or data sales.
Reverse the fee for provider or system failure. Merchant cancellation terms are separately disclosed.
Card/MPP and x402 eligibility and cost remain pending. No forced wallet. Sponsored fees may help launch; unsponsored repeat use must prove willingness to pay.
Before operating costs. Assumed ordinary-card pricing—not verified machine-payment pricing.
At 2 fills/month and $0.50/fill:
100k → $1.2m · 1m → $12m · 10m → $120m
annual gross fee revenue
100,000 consumers × 2 fills/month
× $0.50 fee × 12 months = $1,200,000
Scenario, not TAM or forecast. Not ARR, net revenue or current users. Assumes every modeled fill earns the fee.
Venture scale requires repeat use and multiple categories. One local appointments business will not justify a venture valuation.
| Position | Examples | Where the advantage sits |
|---|---|---|
| Scheduling platforms | Square · Cal.com | Supply relationships and provider workflow. |
| Marketplaces | Booksy · Fresha · OpenTable | Consumer discovery and category demand. |
| Agent & payment platforms | Potential competitors | Consumer interfaces, delegated authority and payment rails. |
| Stackbroker / proposed | Consumer representation | Portable mandates + cross-provider offers + success-only fee + fulfillment evidence. |
Defensibility to earn: authorized supply integrations, distribution, repeat outcome quality, private demand liquidity and reliable reconciliation. MCP alone is not a moat.
Market roles, not an exhaustive feature comparison. No claim that competitors lack AI or that named companies are partners.
Build quickly.
Keep human accountability.
Current development is supported by AI agents. They are tools for faster execution, with people accountable for customer outcomes.
Proposed hire to own the transaction core, reliability and production discipline.
Proposed hire to connect permissioned supply and deliver the end-to-end consumer outcome.
Fractional design, security, legal and operations expertise as the pilot demands it.
The next hires pair transaction engineering with hands-on provider activation.
Proposed pre-seed / 18 months
Public discussion draft. Financing amount and terms remain to be determined.
The evidence to earn: repeat paid use, positive variable contribution and a reproducible local rollout.
Talk to Doug about investing ↗Gross budget ≈ $111k/month including reserve.
Deployed budget excluding reserve: $100k/month.