@aifinpay/mcp 2.10.0 → 2.11.2

package/README.md

@@ -4,16 +4,61 @@ AiFinPay MCP server for persistent agent identity, Agent Passport resolution,
 route discovery and non-signing settlement invoices. Canonical domain:
 **aifinpay.io**.
 
-Version **2.10.0** is prepared in this checkout, on the source agent 2.8.0
-(unpublished; 2.10.0 cannot be released until agent 2.8.0 is published and the
-lock refreshed) and canonical skill 2.9.0. The separate canonical producer's final immutable
+Version **2.11.2** is prepared in this checkout, on the published agent 2.8.0
+and canonical skill 2.10.1 (AiFinPay/skill b8d2309, published 2026-10-19). The separate canonical producer's final immutable
 source pin is a required handoff, not a moving-branch substitution.
 The published baseline checked2026-10-04 was MCP2.5.0. Package publication and
 real registry dependency/lock refresh remain release gates; a source-cohort
 build does not prove those steps. Owner-enabled v1.4 purchases with `payable_fetch` are
 released: on Polygon since 2.2.0, on Base (ETH or USDC) since 2.5.0; site-wide
-batches with `scope: "merchant"` since 2.4.1. Without payment configuration the server keeps
-its inspection-only tool inventory.
+batches with `scope: "merchant"` since 2.4.1. Without payment configuration the server
+lists every tool, including `payable_fetch`, but signs nothing: `payable_fetch`
+and `payment_setup_status` answer with the setup checklist instead.
+
+## First payment in five steps
+
+Each step is one command or one tool call. Signing happens only in step 5,
+and only once the owner has set every limit in step 4.
+
+1. **Read the price.** `GET` the resource. The `402` names the merchant
+   (`merchant_id`), the price per request and the smallest batch (`$0.10` for
+   200 standard requests).
+2. **Check the setup.** Call `payment_setup_status`. It returns the wallet
+   (persistent or ephemeral), whether payments are enabled, which owner limits
+   are set, the balance when the RPC answers, and `next_step`: the first thing
+   still missing.
+3. **Persistent wallet.** If `wallet.persistent` is false, run
+   `npx @aifinpay/mcp init`. Without a terminal it prints one JSON document;
+   copy its `env` (the passphrase is only there) into the `aifinpay` server
+   entry of the MCP client config, reconnect the server, then call
+   `agent_reload`. Never fund an ephemeral address.
+4. **Fund and enable.** Tell the owner `addresses.evm` and the amount: the
+   batch price in POL plus the gas cap, so about `0.5 POL` for one `$0.10`
+   batch at `$0.20`/POL plus up to `0.3 POL` gas (the SDK refuses before
+   signing if the worst-case fee exceeds the cap). When the owner confirms
+   funding, they add the payment settings to the same `env` and restart the
+   aifinpay MCP server in the client (`agent_reload` does not read env):
+
+   ```json
+   {
+     "AIFINPAY_PAYMENTS_ENABLED": "1",
+     "AIFINPAY_GATEWAY_ORIGINS": "https://dev.ratersapp.com",
+     "AIFINPAY_GATEWAY_PATH_MODE": "direct",
+     "AIFINPAY_MAX_USD": "0.15",
+     "AIFINPAY_DAILY_USD": "1.00",
+     "AIFINPAY_MAX_GAS_POL": "0.3"
+   }
+   ```
+
+   `payment_setup_status` then reports `ready: true`.
+
+5. **Pay.** `payable_fetch({"url": "https://dev.ratersapp.com/api/agent/genres/list"})`
+   buys the batch on Polygon (splitter v1.4) and returns the content and the
+   receipt summary. Later requests reuse the batch.
+
+Polygon and Base are served on v1.4 today; `settlement_routes` lists them
+first, with `live: true`. Its `legacy_v13` section describes the older
+splitter v1.3 routes, which `payable_fetch` does not use.
 
 ## Enable native paid GET requests
 
@@ -171,16 +216,19 @@ state file in chat. Unconfirmed payments consume the budget conservatively.
 | `agent_reload`           | Reload local wallet files in the current MCP connection. |
 | `agent_quota`            | Read the agent's quota.                                  |
 | `agent_passport_resolve` | Resolve the global Agent Passport identity.              |
-| `settlement_routes`      | Read the available verified settlement routes.           |
+| `payment_setup_status`   | Read-only setup checklist with the one `next_step`.      |
+| `settlement_routes`      | Splitter v1.4 routes (live now) first, then legacy v1.3. |
 | `settlement_invoice`     | Prepare a non-signing settlement invoice.                |
 | `agent_history`          | Read indexed settlements or retained receipt batches.    |
 | `settlement_solana`      | Build a non-signing Solana settlement invoice.           |
 | `settlement_casper`      | Build a non-signing Casper settlement invoice.           |
 | `deployment_info`        | Read deployments: addresses, assets, settlement status.  |
 
-`payable_fetch` is registered when the owner sets `AIFINPAY_PAYMENTS_ENABLED=1`
-with a persistent wallet. With payments enabled and any owner limit missing or
-invalid, the server refuses to start rather than hiding the tool. It accepts
+`payable_fetch` is always listed. It signs only with a persistent wallet,
+`AIFINPAY_PAYMENTS_ENABLED=1` and every owner limit; before that it returns the
+`payment_setup_status` checklist as a tool error and contacts nothing. With
+payments enabled and any owner limit missing or invalid, the server refuses to
+start rather than hiding the tool. It accepts
 only `url`, `max_amount_usd`, `scope` and `expected_merchant_id`; `max_amount_usd`
 can lower the owner's per-payment cap for one call, never raise it.
 
@@ -267,7 +315,39 @@ AIFINPAY_WALLET_PASSPHRASE='<a long passphrase>' npx @aifinpay/mcp init
 The keystore is encrypted at rest and the MCP server needs the same
 `AIFINPAY_WALLET_PASSPHRASE` to load it. For a disposable test wallet only,
 `npx @aifinpay/mcp init --plaintext` writes it unencrypted (mode 600); without
-either, `init` refuses rather than create an unencrypted wallet you might fund.
+either, `init` on a terminal refuses rather than create an unencrypted wallet
+you might fund.
+
+Without a terminal on stdin (an agent's subprocess), or with
+`AIFINPAY_NONINTERACTIVE=1`, `init` never prompts. It generates a 192-bit
+passphrase, encrypts the keystore and prints one JSON document:
+
+```json
+{
+  "keystore": "/home/me/.aifinpay/agent.json",
+  "created": true,
+  "encrypted": true,
+  "source": "legacy-keystore",
+  "addresses": { "evm": "0x…", "solana": "…", "casper": "account-hash-…" },
+  "env": { "AIFINPAY_WALLET_PASSPHRASE": "<generated>" },
+  "passphrase_note": "…",
+  "payment_env_example": { "AIFINPAY_PAYMENTS_ENABLED": "1", "…": "…" },
+  "next_step": "Put \"env\" into the aifinpay server entry of the MCP client config …"
+}
+```
+
+The passphrase appears only inside `env`, because the caller must put it in
+the client config and there is no other channel; a process that captures that
+output captures the passphrase, so treat the output as a secret. A second run
+keeps the wallet and prints a placeholder instead of the passphrase. When
+`AIFINPAY_HOME` is set, `env` also carries it (absolute), so the server reads the
+keystore init wrote; `payment_setup_status` gives the init command with the
+server's `AIFINPAY_HOME` for the same reason. If the keystore exists, is
+encrypted and `AIFINPAY_WALLET_PASSPHRASE` is unset, `init` leaves it untouched,
+prints one JSON line naming the variable and exits with status 2; its
+`next_step` is to run init in a new, empty `AIFINPAY_HOME`
+(`~/.aifinpay/agent-<yyyymmdd>`) and put the `env` it prints into the client
+config.
 
 Select the wallet in this order: `SEED_HASH` → `./aifinpay/agents.json` →
 legacy `AIFINPAY_AGENT_SECRET` → `~/.aifinpay/agent.json`.

package/bin/aifinpay-mcp.js

@@ -41,7 +41,7 @@ import {
   linkSync,
   unlinkSync,
 } from "node:fs";
-import { join } from "node:path";
+import { join, resolve } from "node:path";
 import { homedir } from "node:os";
 import { createRequire } from "node:module";
 import { scryptSync, randomBytes, createCipheriv, createDecipheriv } from "node:crypto";
@@ -75,6 +75,11 @@ if (arg === "--help" || arg === "-h" || arg === "help") {
 Run init once. It writes ${KEYSTORE} with mode 600 and the server picks
 it up automatically — you do not have to put the secret in a config file.
 
+Without a terminal on stdin (an agent's subprocess), or with
+AIFINPAY_NONINTERACTIVE=1, init never prompts: it generates the passphrase
+itself, encrypts the keystore and prints one JSON document with the keystore
+path, the public addresses and the exact "env" block for the MCP client config.
+
 Env (all optional):
   SEED_HASH              32-byte hex seed; highest priority
   AIFINPAY_AGENTS_FILE   project agents file (default ./aifinpay/agents.json)
@@ -86,9 +91,10 @@ Env (all optional):
   AIFINPAY_TIMEOUT_MS     default 30000
   AIFINPAY_HOME           default ~/.aifinpay
 
-Payments (payable_fetch) are off until the owner sets all of
+Payments (payable_fetch) sign nothing until the owner sets all of
 AIFINPAY_PAYMENTS_ENABLED=1, AIFINPAY_GATEWAY_ORIGINS, AIFINPAY_MAX_USD,
-AIFINPAY_DAILY_USD and AIFINPAY_MAX_GAS_POL. init prints an example block.
+AIFINPAY_DAILY_USD and AIFINPAY_MAX_GAS_POL. init prints an example block;
+the payment_setup_status tool says which of them is still missing.
 `);
   process.exit(0);
 }
@@ -100,7 +106,14 @@ if (arg === "--version" || arg === "-v" || arg === "version") {
 
 // ── init ──────────────────────────────────────────────────────────────────
 
-const PASSPHRASE = process.env.AIFINPAY_WALLET_PASSPHRASE || null;
+const PASSPHRASE_ENV = "AIFINPAY_WALLET_PASSPHRASE";
+let PASSPHRASE = process.env[PASSPHRASE_ENV] || null;
+// An agent's subprocess has no terminal on stdin. Nothing here may wait for a
+// human then: a 2026-10-19 agent run hung 167 s on a passphrase it could not
+// type and invented its own key handling instead. In this mode init generates
+// the passphrase itself and prints JSON the agent can act on.
+const NONINTERACTIVE = process.env.AIFINPAY_NONINTERACTIVE === "1" || !process.stdin.isTTY;
+let GENERATED_PASSPHRASE = false;
 
 // Optional at-rest encryption. Mode 600 keeps the keystore from OTHER users; it
 // does nothing against malware running as YOU — the threat the OSINT write-up of
@@ -130,7 +143,7 @@ function encryptSecret(secretB58) {
   };
 }
 function decryptSecret(store) {
-  if (!PASSPHRASE) throw new Error(`${KEYSTORE} is encrypted but AIFINPAY_WALLET_PASSPHRASE is not set.`);
+  if (!PASSPHRASE) throw new Error(`${KEYSTORE} is encrypted but ${PASSPHRASE_ENV} is not set.`);
   const key = scryptSync(PASSPHRASE, Buffer.from(store.salt, "base64"), 32, {
     N: 1 << 15,
     r: 8,
@@ -160,31 +173,75 @@ function readKeystore() {
   return typeof parsed?.secretB58 === "string" ? parsed : null;
 }
 
-// The owner settings that register payable_fetch, as init prints them. README
-// "Enable native paid GET requests" shows the same block; a test keeps the two
-// equal and starts a server with it. The gas cap is a worst case at the current
-// Polygon gas price, not the fee: 0.05 POL refused every payment at ~280 gwei.
-const PAYMENT_ENV = {
-  AIFINPAY_PAYMENTS_ENABLED: "1",
-  AIFINPAY_GATEWAY_ORIGINS: "https://merchant.example",
-  AIFINPAY_GATEWAY_PATH_MODE: "direct",
-  AIFINPAY_MAX_USD: "0.15",
-  AIFINPAY_DAILY_USD: "1.00",
-  AIFINPAY_MAX_GAS_POL: "0.3",
-};
-
 if (arg === "init") {
   const { Agent, AiFinPayAgent } = await import("@aifinpay/agent");
 
   const { loadConfigFromEnv } = await import("../dist/config.js");
   const { loadWalletIdentity } = await import("../dist/identity.js");
+  const { PAYMENT_ENV, lockedKeystoreStep } = await import("../dist/tools/payment-setup-status.js");
   const config = loadConfigFromEnv();
-  const selected = loadWalletIdentity(config);
+  // A keystore that cannot be opened is reported in one line that names the
+  // variable, never as a stack trace — and never replaced. An agent cannot ask
+  // anyone for the passphrase, so its JSON also names the way past it that
+  // touches nothing: a new wallet in a new, empty AIFINPAY_HOME.
+  const failKeystore = (error) => {
+    const line =
+      !PASSPHRASE && existsSync(KEYSTORE)
+        ? `${KEYSTORE} exists and is encrypted; set ${PASSPHRASE_ENV} to the passphrase used at init (it is not set in this environment).`
+        : error.message;
+    let encrypted = false;
+    try {
+      encrypted = Boolean(JSON.parse(readFileSync(KEYSTORE, "utf8"))?.enc);
+    } catch {
+      /* No readable keystore: the error is about something else. */
+    }
+    if (NONINTERACTIVE)
+      process.stdout.write(
+        JSON.stringify({
+          error: line,
+          keystore: KEYSTORE,
+          ...(PASSPHRASE ? {} : { missing_env: PASSPHRASE_ENV }),
+          ...(encrypted ? { next_step: lockedKeystoreStep(KEYSTORE) } : {}),
+        }) + "\n"
+      );
+    else process.stderr.write(line + "\n");
+    process.exit(2);
+  };
+  let selected;
+  try {
+    selected = loadWalletIdentity(config);
+  } catch (error) {
+    failKeystore(error);
+  }
+  const plaintext = process.argv.includes("--plaintext");
+  const addressesOf = (agent) => ({ evm: agent.evmAddress, solana: agent.solanaAddress, casper: agent.casperAddress });
+  const indexEnv =
+    selected?.derivationIndex === undefined ? {} : { AIFINPAY_WALLET_INDEX: String(selected.derivationIndex) };
+  // The server reads the keystore (and keeps its payment journal) under the same
+  // AIFINPAY_HOME init used, so a non-default one goes into the client env too,
+  // absolute: the client does not start the server in this directory.
+  const homeEnv = process.env.AIFINPAY_HOME ? { AIFINPAY_HOME: resolve(process.env.AIFINPAY_HOME) } : {};
+  // Non-interactive stdout is one JSON document and nothing else, so the
+  // caller can parse it. The same facts, as prose, go to a terminal.
+  const emit = (json, text) => process.stdout.write(NONINTERACTIVE ? JSON.stringify(json, null, 2) + "\n" : text);
+  const nextStep =
+    'Put "env" into the aifinpay server entry of the MCP client config and reconnect the server (or call agent_reload in an already connected one), then call payment_setup_status: it names the next step up to the first payment.';
+
   if (selected && selected.source !== "legacy-keystore") {
     const agent = selected.seedHash
       ? await AiFinPayAgent.fromSeed(selected.seedHash, { derivationIndex: selected.derivationIndex })
       : await AiFinPayAgent.fromSolanaSecret(selected.secretB58);
-    process.stdout.write(
+    emit(
+      {
+        keystore: null,
+        created: false,
+        encrypted: null,
+        source: selected.source,
+        addresses: addressesOf(agent),
+        env: { ...homeEnv, ...indexEnv },
+        payment_env_example: PAYMENT_ENV,
+        next_step: nextStep,
+      },
       `Using ${selected.source}${selected.derivationIndex === undefined ? "" : ` (index ${selected.derivationIndex})`}; no replacement wallet created.\n` +
         `EVM ${agent.evmAddress}\nSolana ${agent.solanaAddress}\nCasper ${agent.casperAddress}\n` +
         `Keep your configured seed backed up privately. Call agent_reload in an already connected MCP server.\n`
@@ -192,21 +249,37 @@ if (arg === "init") {
     process.exit(0);
   }
 
-  let store = readKeystore();
+  const openExistingKeystore = () => {
+    try {
+      return readKeystore();
+    } catch (error) {
+      failKeystore(error);
+    }
+  };
+  let store = openExistingKeystore();
   let freshlyCreated = false;
   // A new wallet is encrypted at rest unless the owner asks otherwise, by name.
   // It used to be written in plaintext whenever AIFINPAY_WALLET_PASSPHRASE was
   // unset — which is the default — so the documented one-liner produced an
   // unencrypted key for a wallet people then funded. Existing keystores are
   // untouched; only creating a new plaintext one needs the flag.
-  if (!store && !PASSPHRASE && !process.argv.includes("--plaintext")) {
-    process.stderr.write(
-      `No wallet at ${KEYSTORE}, and none will be created unencrypted by default.\n\n` +
-        `  Encrypted (recommended):  AIFINPAY_WALLET_PASSPHRASE='<a long passphrase>' npx @aifinpay/mcp init\n` +
-        `  Disposable test wallet:   npx @aifinpay/mcp init --plaintext\n\n` +
-        `Keep the passphrase: an encrypted wallet cannot be recovered without it.\n`
-    );
-    process.exit(2);
+  if (!store && !PASSPHRASE && !plaintext) {
+    if (NONINTERACTIVE) {
+      // 192 random bits. The passphrase is printed once, inside the env block
+      // below, because the caller has to put it in the client config and there
+      // is no other channel; this is the trade-off of a wallet created by a
+      // process that cannot be asked anything.
+      PASSPHRASE = randomBytes(24).toString("base64url");
+      GENERATED_PASSPHRASE = true;
+    } else {
+      process.stderr.write(
+        `No wallet at ${KEYSTORE}, and none will be created unencrypted by default.\n\n` +
+          `  Encrypted (recommended):  AIFINPAY_WALLET_PASSPHRASE='<a long passphrase>' npx @aifinpay/mcp init\n` +
+          `  Disposable test wallet:   npx @aifinpay/mcp init --plaintext\n\n` +
+          `Keep the passphrase: an encrypted wallet cannot be recovered without it.\n`
+      );
+      process.exit(2);
+    }
   }
   if (!store) {
     mkdirSync(HOME, { recursive: true, mode: 0o700 });
@@ -233,7 +306,9 @@ if (arg === "init") {
         freshlyCreated = true;
       } catch (error) {
         if (error.code !== "EEXIST") throw error;
-        store = readKeystore();
+        // The other process won; a passphrase generated here opens nothing.
+        if (GENERATED_PASSPHRASE) PASSPHRASE = null;
+        store = openExistingKeystore();
         if (!store) throw new Error(`Existing ${KEYSTORE} is unreadable; refusing to replace it.`);
       }
     } finally {
@@ -241,6 +316,45 @@ if (arg === "init") {
       if (ownsTemporary) unlinkSync(temporary);
     }
   }
+  const agent = selected?.seedHash
+    ? await AiFinPayAgent.fromSeed(selected.seedHash, { derivationIndex: selected.derivationIndex })
+    : await AiFinPayAgent.fromSolanaSecret(store.secretB58);
+  // The server cannot open an encrypted keystore without the passphrase, so a
+  // config block without it does not start.
+  const encrypted = freshlyCreated ? Boolean(PASSPHRASE) : Boolean(store.encrypted);
+
+  if (NONINTERACTIVE) {
+    emit(
+      {
+        keystore: KEYSTORE,
+        created: freshlyCreated,
+        encrypted,
+        source: "legacy-keystore",
+        addresses: addressesOf(agent),
+        env: {
+          ...homeEnv,
+          ...(encrypted
+            ? {
+                [PASSPHRASE_ENV]: GENERATED_PASSPHRASE
+                  ? PASSPHRASE
+                  : `<the ${PASSPHRASE_ENV} already set in this environment>`,
+              }
+            : {}),
+          ...indexEnv,
+        },
+        ...(GENERATED_PASSPHRASE
+          ? {
+              passphrase_note: `${PASSPHRASE_ENV} was generated for this wallet and appears only here, inside env. The wallet cannot be opened or recovered without it.`,
+            }
+          : {}),
+        payment_env_example: PAYMENT_ENV,
+        next_step: nextStep,
+      },
+      ""
+    );
+    process.exit(0);
+  }
+
   if (freshlyCreated) {
     process.stdout.write(
       PASSPHRASE
@@ -270,21 +384,15 @@ if (arg === "init") {
     );
   }
 
-  const agent = selected?.seedHash
-    ? await AiFinPayAgent.fromSeed(selected.seedHash, { derivationIndex: selected.derivationIndex })
-    : await AiFinPayAgent.fromSolanaSecret(store.secretB58);
-  // The server cannot open an encrypted keystore without the passphrase, so a
-  // config block without it does not start.
-  const encrypted = freshlyCreated ? Boolean(PASSPHRASE) : Boolean(store.encrypted);
-
   process.stdout.write(
     `Your agent's addresses${selected?.derivationIndex === undefined ? "" : ` (index ${selected.derivationIndex})`} — the EVM one is the same on every EVM chain:\n\n` +
       `  EVM     ${agent.evmAddress}\n` +
       `  Solana  ${agent.solanaAddress}\n` +
       `  Casper  ${agent.casperAddress}\n\n` +
       `Add this to your MCP client config and connect/reconnect this MCP server.\n` +
-      `As printed it cannot pay; payable_fetch appears once you add the payment\n` +
-      `settings further down:\n\n` +
+      `As printed it cannot pay: payable_fetch is listed but signs nothing until\n` +
+      `you add the payment settings further down (payment_setup_status says what\n` +
+      `is still missing):\n\n` +
       JSON.stringify(
         {
           mcpServers: {
@@ -292,10 +400,9 @@ if (arg === "init") {
               command: "npx",
               args: ["-y", `@aifinpay/mcp@${VERSION}`],
               env: {
+                ...homeEnv,
                 ...(encrypted ? { AIFINPAY_WALLET_PASSPHRASE: "<the passphrase you used for init>" } : {}),
-                ...(selected?.derivationIndex === undefined
-                  ? {}
-                  : { AIFINPAY_WALLET_INDEX: String(selected.derivationIndex) }),
+                ...indexEnv,
               },
             },
           },

package/dist/server.d.ts

@@ -47,6 +47,8 @@ export interface ToolContext {
     paymentState?: PaymentStateStore;
     /** AIFP-Agent-Framework for this connection's payments; unset sends none. */
     framework?: AgentFramework;
+    /** Which identity the server loaded: "ephemeral", "legacy-keystore", "SEED_HASH", "agents.json" or "AIFINPAY_AGENT_SECRET". */
+    walletSource?: string;
     log: (level: "info" | "warn" | "error", msg: string) => void;
 }
 //# sourceMappingURL=server.d.ts.map

package/dist/server.d.ts.map

@@ -1 +1 @@
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+{"version":3,"file":"server.d.ts","sourceRoot":"","sources":["../src/server.ts"],"names":[],"mappings":"AAAA,OAAO,EAAE,aAAa,EAAkB,KAAK,cAAc,EAAE,MAAM,iBAAiB,CAAC;AACrF,OAAO,EAAE,MAAM,EAAE,MAAM,2CAA2C,CAAC;AAQnE,OAAO,KAAK,EAAE,SAAS,EAAE,MAAM,aAAa,CAAC;AAS7C,OAAO,EAAE,iBAAiB,EAAE,MAAM,oBAAoB,CAAC;AAgCvD;iFACiF;AACjF,wBAAsB,YAAY,CAAC,MAAM,GAAE,SAAc;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;GA2MxD;AA2BD,MAAM,WAAW,WAAW;IAC1B,KAAK,EAAE,aAAa,CAAC;IACrB,MAAM,EAAE,SAAS,CAAC;IAClB,YAAY,CAAC,EAAE,iBAAiB,CAAC;IACjC,6EAA6E;IAC7E,SAAS,CAAC,EAAE,cAAc,CAAC;IAC3B,+HAA+H;IAC/H,YAAY,CAAC,EAAE,MAAM,CAAC;IACtB,GAAG,EAAE,CAAC,KAAK,EAAE,MAAM,GAAG,MAAM,GAAG,OAAO,EAAE,GAAG,EAAE,MAAM,KAAK,IAAI,CAAC;CAC9D"}

package/dist/server.js

@@ -12,6 +12,7 @@ import { makeSafeFetch } from "./safe-fetch.js";
 import { loadConfigFromEnv, validatePaymentConfig } from "./config.js";
 import { PaymentStateStore } from "./payment-state.js";
 import { payableFetchTool, runPayableFetch } from "./tools/payable-fetch.js";
+import { initCommand, paymentSetupStatusTool, runPaymentSetupStatus } from "./tools/payment-setup-status.js";
 import { agentPassportResolveTool, runAgentPassportResolve, settlementRoutesTool, runSettlementRoutes, settlementInvoiceTool, runSettlementInvoice, settlementSolanaTool, runSettlementSolana, settlementCasperTool, runSettlementCasper, } from "./tools/production-control.js";
 import { deploymentInfoTool, runDeploymentInfo } from "./tools/supported-chains.js";
 import { payChain } from "./pay-chains.js";
@@ -25,6 +26,7 @@ const safeFetch = makeSafeFetch({
     // for those names — see safe-fetch.ts for why this is not a proxy switch.
     trustedHosts: loadConfigFromEnv().trustedHosts,
 });
+const RELOAD_ENV_NOTE = "Owner limits and AIFINPAY_PAYMENTS_ENABLED are read only when this server starts; agent_reload re-reads the keystore and nothing else. If the owner has saved them since, have the client restart the aifinpay MCP server (restart the client, or disable and re-enable the server), then call payment_setup_status.";
 /** Read-only by default. Explicit owner configuration enables the reviewed
  * family-specific v1.4 payable_fetch path; legacy signing tools stay retired. */
 export async function createServer(config = {}) {
@@ -61,7 +63,7 @@ export async function createServer(config = {}) {
         }));
     identitySource = configured?.source ?? "ephemeral";
     if (!configured)
-        log("warn", "[aifinpay-mcp] EPHEMERAL wallet — DO NOT FUND. Run `npx @aifinpay/mcp init`, then agent_reload in this connection.");
+        log("warn", `[aifinpay-mcp] EPHEMERAL wallet — DO NOT FUND. Run \`${initCommand(config.walletHome)}\`, then agent_reload in this connection.`);
     let paymentState;
     if (config.paymentsEnabled) {
         validatePaymentConfig(config);
@@ -112,11 +114,15 @@ export async function createServer(config = {}) {
             agentClaimSelfTool(),
             {
                 name: "agent_reload",
-                description: "Reload the configured local wallet files after init or a file update, without starting a new conversation. Returns public addresses only. Shell environment changes still require reconnecting the MCP process.",
+                description: "Reload the configured local wallet files after init or a file update, without starting a new conversation. Returns public addresses only. Owner limits and other env changes take effect only after the client restarts the aifinpay MCP server; agent_reload does not read them.",
                 inputSchema: { type: "object", properties: {}, additionalProperties: false },
                 annotations: { readOnlyHint: false, destructiveHint: false, openWorldHint: false },
             },
-            ...(paymentState ? [payableFetchTool()] : []),
+            // Always listed. Without the owner's setup it returns the same checklist
+            // as payment_setup_status and signs nothing; a fresh install used to show
+            // no payment tool at all, and agents stopped there.
+            paymentSetupStatusTool(),
+            payableFetchTool(),
             agentQuotaTool(),
             agentHistoryTool(),
             ...(config.devMode ? [devPaymentQuoteTool()] : []),
@@ -132,7 +138,7 @@ export async function createServer(config = {}) {
         const { name, arguments: args } = request.params;
         // The client named itself at initialize; unknown clients send no framework.
         const framework = frameworkForClient(server.getClientVersion()?.name);
-        const ctx = { agent, config, log, paymentState, framework };
+        const ctx = { agent, config, log, paymentState, framework, walletSource: identitySource };
         switch (name) {
             case "agent_reload":
                 try {
@@ -157,6 +163,11 @@ export async function createServer(config = {}) {
                                     evm: agent.evmAddress,
                                     casper: agent.casperAddress,
                                     reloaded: true,
+                                    // A reload that succeeds while payments stay off read as "the
+                                    // env was not picked up", and an agent stopped there
+                                    // (2026-10-19): config is fixed at start, so say so.
+                                    payments_enabled: Boolean(config.paymentsEnabled),
+                                    ...(config.paymentsEnabled ? {} : { env_note: RELOAD_ENV_NOTE }),
                                 }),
                             },
                         ],
@@ -170,6 +181,8 @@ export async function createServer(config = {}) {
                 }
             case "payable_fetch":
                 return runPayableFetch(ctx, args ?? {});
+            case "payment_setup_status":
+                return runPaymentSetupStatus(ctx, args ?? {});
             case "agent_address":
                 return runAgentAddress(ctx, args ?? {});
             case "agent_claim_self":

package/dist/server.js.map

@@ -1 +1 @@
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package/dist/tools/payable-fetch.d.ts.map

@@ -1 +1 @@
-{"version":3,"file":"payable-fetch.d.ts","sourceRoot":"","sources":["../../src/tools/payable-fetch.ts"],"names":[],"mappings":"AAWA,OAAO,KAAK,EAAE,WAAW,EAAE,MAAM,cAAc,CAAC;AAchD,wBAAgB,gBAAgB;IAE5B,IAAI;IACJ,WAAW;IAEX,WAAW;QACT,IAAI;QACJ,UAAU;YACR,GAAG;gBAAI,IAAI;gBAAY,WAAW;;YAClC,cAAc;gBACZ,IAAI;gBACJ,gBAAgB;gBAChB,WAAW;;YAEb,KAAK;gBACH,IAAI;gBACJ,IAAI;gBACJ,WAAW;;YAGb,oBAAoB;gBAClB,IAAI;gBACJ,OAAO;gBACP,WAAW;;;QAIf,QAAQ;QACR,oBAAoB;;IAEtB,WAAW;QAAI,YAAY;QAAS,aAAa;QAAQ,eAAe;;EAE3E;AAED,2FAA2F;AAC3F,wBAAsB,eAAe,CAAC,GAAG,EAAE,WAAW,EAAE,IAAI,EAAE,MAAM,CAAC,MAAM,EAAE,OAAO,CAAC;;;;;GAkYpF"}
+{"version":3,"file":"payable-fetch.d.ts","sourceRoot":"","sources":["../../src/tools/payable-fetch.ts"],"names":[],"mappings":"AAWA,OAAO,KAAK,EAAE,WAAW,EAAE,MAAM,cAAc,CAAC;AAehD,wBAAgB,gBAAgB;IAE5B,IAAI;IACJ,WAAW;IAEX,WAAW;QACT,IAAI;QACJ,UAAU;YACR,GAAG;gBAAI,IAAI;gBAAY,WAAW;;YAClC,cAAc;gBACZ,IAAI;gBACJ,gBAAgB;gBAChB,WAAW;;YAEb,KAAK;gBACH,IAAI;gBACJ,IAAI;gBACJ,WAAW;;YAGb,oBAAoB;gBAClB,IAAI;gBACJ,OAAO;gBACP,WAAW;;;QAIf,QAAQ;QACR,oBAAoB;;IAEtB,WAAW;QAAI,YAAY;QAAS,aAAa;QAAQ,eAAe;;EAE3E;AAED,2FAA2F;AAC3F,wBAAsB,eAAe,CAAC,GAAG,EAAE,WAAW,EAAE,IAAI,EAAE,MAAM,CAAC,MAAM,EAAE,OAAO,CAAC;;;;;GAyYpF"}

package/dist/tools/payable-fetch.js

@@ -3,6 +3,7 @@ import { validatePaymentConfig } from "../config.js";
 import { PaymentStateError } from "../payment-state.js";
 import { independentNativeUsd } from "../native-price.js";
 import { payChain } from "../pay-chains.js";
+import { paymentSetupStatus } from "./payment-setup-status.js";
 // "prefix" is left out on purpose: it needs a resource to anchor to, and the
 // owner's two real requests are "this endpoint" and "this site".
 const SCOPES = ["exact", "merchant"];
@@ -12,7 +13,7 @@ const MERCHANT_ID = /^[A-Za-z0-9_.:-]{1,64}$/;
 export function payableFetchTool() {
     return {
         name: "payable_fetch",
-        description: 'Fetch a GET resource from an owner-approved AiFinPay merchant. Buys a prepaid batch through verified v1.4 on the chain the owner set in AIFINPAY_PAY_CHAIN (Polygon by default; other supported networks require explicit owner selection) — in its native currency (POL, SOL, ETH, AVAX, BNB or XRP), or in the stablecoin the owner set in AIFINPAY_PAY_ASSET (e.g. USDC; gas is still native) — within owner limits, then reuses its receipt. With scope "merchant" one batch covers every path on the site. Pending payments are recovered without sending another transaction. Other payment protocols are unsupported.',
+        description: 'Fetch a GET resource from an owner-approved AiFinPay merchant, paying its AIFP-1 402 when needed. Always listed: until the owner has set up a persistent wallet (npx @aifinpay/mcp init), AIFINPAY_PAYMENTS_ENABLED=1 and every limit, it signs nothing and returns the payment_setup_status checklist with the one next step.  Buys a prepaid batch through verified v1.4 on the chain the owner set in AIFINPAY_PAY_CHAIN (Polygon by default; other supported networks require explicit owner selection) — in its native currency (POL, SOL, ETH, AVAX, BNB or XRP), or in the stablecoin the owner set in AIFINPAY_PAY_ASSET (e.g. USDC; gas is still native) — within owner limits, then reuses its receipt. With scope "merchant" one batch covers every path on the site. Pending payments are recovered without sending another transaction. Other payment protocols are unsupported.',
         inputSchema: {
             type: "object",
             properties: {
@@ -44,6 +45,14 @@ export async function runPayableFetch(ctx, args) {
     let state;
     let chain;
     try {
+        const store = ctx.paymentState;
+        // Not set up: say exactly what is missing instead of refusing in one line.
+        // Nothing below runs, so nothing is quoted, signed or sent. The journal
+        // exists only for the persistent wallet the server started with.
+        if (!ctx.config.paymentsEnabled || !store || store.address !== ctx.agent.evmAddress.toLowerCase()) {
+            const status = await paymentSetupStatus(ctx, { readBalance: false });
+            return errorResult(JSON.stringify({ error: "payable_fetch is not set up yet; nothing was signed or paid.", ...status }, null, 2));
+        }
         let feeCap;
         try {
             feeCap = validatePaymentConfig(ctx.config);
@@ -52,9 +61,6 @@ export async function runPayableFetch(ctx, args) {
         catch (error) {
             return errorResult(error.message);
         }
-        const store = ctx.paymentState;
-        if (!store || store.address !== ctx.agent.evmAddress.toLowerCase())
-            return errorResult("A persistent matching wallet is required for payments.");
         if (Object.keys(args).some((k) => !["url", "max_amount_usd", "scope", "expected_merchant_id"].includes(k)))
             return errorResult("Only url, max_amount_usd, scope and expected_merchant_id are supported; no facilitator fallback.");
         if (typeof args.url !== "string")