@aifinpay/mcp 2.11.2 → 2.12.1

package/dist/tools/payment-setup-status.js

@@ -1,9 +1,10 @@
 import { existsSync, readFileSync } from "node:fs";
 import { homedir } from "node:os";
 import { join, resolve } from "node:path";
-import { validatePaymentConfig } from "../config.js";
+import { DEFAULT_DAILY_USD, DEFAULT_MAX_GAS_POL, DEFAULT_MAX_USD, validatePaymentConfig } from "../config.js";
 import { independentNativeUsd } from "../native-price.js";
 import { payChain } from "../pay-chains.js";
+import { dashboardRefusal, dashboardSentence, readDashboardPolicy } from "../dashboard-policy.js";
 /**
  * The one read-only checklist between "server connected" and "first payment".
  *
@@ -17,18 +18,22 @@ import { payChain } from "../pay-chains.js";
  */
 /** The smallest AIFP-1 batch the backend sells, in USD. */
 export const SMALLEST_BATCH_USD = 0.1;
-// The owner settings that let payable_fetch sign, 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.
-export const PAYMENT_ENV = Object.freeze({
-    AIFINPAY_PAYMENTS_ENABLED: "1",
+// Optional env the owner may add to narrow the defaults; none of it is needed
+// for a first payment. init prints it as a reference and README "Optional
+// overrides" shows the same block; a test keeps the two equal. 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, so the default is 0.3 POL.
+export const PAYMENT_OVERRIDES = Object.freeze({
     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",
 });
+/** How payments work with nothing set, for init's output and the tool text. */
+export const PAYMENTS_DEFAULT_NOTE = `Payments are on by default within a built-in ceiling of $${DEFAULT_MAX_USD} per payment and $${DEFAULT_DAILY_USD} per 24 hours, ` +
+    "only through a persistent wallet, only to merchants registered with AiFinPay via a quote signed by its backend; an unfunded wallet spends nothing. " +
+    "AIFINPAY_MAX_USD and AIFINPAY_DAILY_USD can only lower that ceiling; AIFINPAY_PAYMENTS_ENABLED=0 turns payments off; " +
+    "AIFINPAY_GATEWAY_ORIGINS, when set, is the only list of payable sites.";
+/** Where the owner manages the working limits once the agent is claimed. */
+export const CONTROLS_NOTE = "The working limits are the dashboard Controls: once the agent is linked with agent_claim_self, the owner sets the per-payment cap, daily cap, pause and allowed merchants at https://dash.aifinpay.io, and AiFinPay enforces them on every quote and payment; this server's ceiling applies underneath.";
 export const INIT_COMMAND = "npx @aifinpay/mcp init";
 /** POSIX single quotes: the path reaches init byte for byte, spaces and quotes included. */
 function shellQuote(value) {
@@ -80,9 +85,10 @@ function lockedKeystore(config) {
 export function paymentSetupStatusTool() {
     return {
         name: "payment_setup_status",
-        description: "Read-only checklist for paying with payable_fetch: wallet (persistent or ephemeral), whether the owner enabled payments, which owner limits are set, the wallet's native balance on the pay chain when readable, and next_step — exactly one instruction for the first unmet item. " +
-            "First payment in five steps: (1) GET the resource and read its 402 (merchant, price, smallest batch); (2) call payment_setup_status; (3) no persistent wallet: run `npx @aifinpay/mcp init` without a terminal, put its printed env into the MCP client config, reconnect, agent_reload; (4) tell the owner the address and the amount to fund, and have the owner add the payment env (AIFINPAY_PAYMENTS_ENABLED=1, origins, USD limits, gas cap) and reconnect; (5) payable_fetch the URL. " +
-            "Signs nothing, moves nothing, never asks the owner's limits from the model.",
+        description: "Read-only checklist for paying with payable_fetch: wallet (persistent or ephemeral), whether payments are on, the ceiling and each limit with its source (built-in default or the owner's env), the wallet's native balance on the pay chain when readable, the owner's dashboard Controls in `dashboard`, and next_step — exactly one instruction for the first unmet item. " +
+            "First payment in five steps: (1) GET the resource and read its 402 (merchant, price, smallest batch); (2) call payment_setup_status; (3) no persistent wallet: run `npx @aifinpay/mcp init` without a terminal, put its printed env into the MCP client config, then call agent_reload (no restart: payments are on by default); (4) tell the owner the address and the amount in `funding` (the smallest batch at today's rate plus the gas cap; if no rate could be read, ask for the batch price in the native currency at today's rate plus the gas cap and name no number), and offer the dashboard link so the owner can claim the agent (agent_claim_self) and set the working limits in Controls; (5) payable_fetch the URL. " +
+            PAYMENTS_DEFAULT_NOTE +
+            " Moves nothing and signs no payment: for a persistent wallet it signs one short AiFinPay read statement to fetch the owner's Controls. Never asks the owner's limits from the model.",
         inputSchema: { type: "object", properties: {}, additionalProperties: false },
         annotations: { readOnlyHint: true, openWorldHint: true, destructiveHint: false },
     };
@@ -94,21 +100,32 @@ export async function runPaymentSetupStatus(ctx, _args) {
 function limit(env, value) {
     return value === undefined ? { env, set: false } : { env, set: true, value };
 }
+/** A USD limit with its source: the owner's env when they set it, otherwise the
+ *  built-in ceiling (a programmatic value equal to the ceiling counts as it). */
+function usdLimit(config, env, value, ceiling) {
+    if (value === undefined)
+        return { env, set: false };
+    const source = config.ownerOverrides?.includes(env) || value !== ceiling ? "env" : "default";
+    return { env, set: true, value, source };
+}
 function gasLimit(config, chain) {
     if (chain.name === "solana")
         return limit("AIFINPAY_MAX_FEE_LAMPORTS", config.maxFeeLamports);
     if (config.maxGas !== undefined)
-        return limit("AIFINPAY_MAX_GAS", config.maxGas);
-    return limit(chain.name === "polygon" ? "AIFINPAY_MAX_GAS_POL" : "AIFINPAY_MAX_GAS", config.maxGasPol);
+        return { ...limit("AIFINPAY_MAX_GAS", config.maxGas), source: "env" };
+    if (config.maxGasPol !== undefined)
+        return { ...limit("AIFINPAY_MAX_GAS_POL", config.maxGasPol), source: "env" };
+    // validatePaymentConfig applies the same default on Polygon; another chain names its own cap.
+    if (chain.name === "polygon")
+        return { env: "AIFINPAY_MAX_GAS_POL", set: true, value: DEFAULT_MAX_GAS_POL, source: "default" };
+    return limit("AIFINPAY_MAX_GAS", undefined);
 }
-/** The example block, with the owner's real origins kept when they already set some. */
-export function paymentEnvFor(config) {
-    return {
-        ...PAYMENT_ENV,
-        ...(config.gatewayOrigins?.length ? { AIFINPAY_GATEWAY_ORIGINS: config.gatewayOrigins.join(",") } : {}),
-        ...(config.maxAmountUsd !== undefined ? { AIFINPAY_MAX_USD: String(config.maxAmountUsd) } : {}),
-        ...(config.dailyAmountUsd !== undefined ? { AIFINPAY_DAILY_USD: String(config.dailyAmountUsd) } : {}),
-    };
+/** "the built-in ceiling" or which part of it the owner lowered. */
+function ceilingWords(limits) {
+    const lowered = [limits.max_usd, limits.daily_usd].filter((l) => l.source === "env").map((l) => l.env);
+    return lowered.length
+        ? `the built-in $${DEFAULT_MAX_USD} / $${DEFAULT_DAILY_USD} ceiling, lowered by the owner's ${lowered.join(" and ")}`
+        : "the built-in ceiling";
 }
 export async function paymentSetupStatus(ctx, options) {
     const { config } = ctx;
@@ -125,8 +142,8 @@ export async function paymentSetupStatus(ctx, options) {
         return unready(ctx, source, chain, error.message);
     }
     const limits = {
-        max_usd: limit("AIFINPAY_MAX_USD", config.maxAmountUsd),
-        daily_usd: limit("AIFINPAY_DAILY_USD", config.dailyAmountUsd),
+        max_usd: usdLimit(config, "AIFINPAY_MAX_USD", config.maxAmountUsd, DEFAULT_MAX_USD),
+        daily_usd: usdLimit(config, "AIFINPAY_DAILY_USD", config.dailyAmountUsd, DEFAULT_DAILY_USD),
         gas_cap: gasLimit(config, chain),
         origins: limit("AIFINPAY_GATEWAY_ORIGINS", config.gatewayOrigins),
     };
@@ -145,6 +162,7 @@ export async function paymentSetupStatus(ctx, options) {
         payments_enabled: Boolean(config.paymentsEnabled),
         pay_chain: chain.name,
         pay_asset: config.payAsset ?? chain.native,
+        ceiling: { max_usd: DEFAULT_MAX_USD, daily_usd: DEFAULT_DAILY_USD },
         limits,
         ...(configError ? { config_error: configError } : {}),
         balance: "unknown",
@@ -159,41 +177,47 @@ export async function paymentSetupStatus(ctx, options) {
                     : `Run \`${initCommand(config.walletHome)}\` (without a terminal it prints JSON; copy its "env" into this server's env in the MCP client config), reconnect the server, then call agent_reload and payment_setup_status again.`);
         return status;
     }
-    if (!config.paymentsEnabled || configError) {
-        const block = JSON.stringify(paymentEnvFor(config));
-        status.next_step =
-            (configError && config.paymentsEnabled
-                ? `Owner setting refused: ${configError}. `
-                : `Payments are off until the owner enables them. `) +
-                `Have the owner add this to the server's env in the MCP client config (their real site origin and limits, not the example), then reconnect: ${block}` +
-                (configError && !config.paymentsEnabled ? ` Currently missing: ${configError}` : "") +
-                // The env is read once, at start. An agent that saw agent_reload succeed
-                // and payments stay off concluded the settings were lost, and stopped.
-                (config.paymentsEnabled
-                    ? ""
-                    : ` If the owner has already saved these settings, this server has not been restarted since: agent_reload does not read env. Have the client restart the aifinpay MCP server, then call payment_setup_status again.`);
+    // The amount to fund is answered whatever the env says: step 4 ("tell the
+    // owner the address and the amount") must not wait on it, and the 2026-10-19
+    // quote priced $0.10 at 1.08 POL while the guide still said 0.5 — no fixed
+    // rate survives, so the tool reads one now.
+    const gasCap = status.limits.gas_cap.set && Number(status.limits.gas_cap.value) > 0 ? String(status.limits.gas_cap.value) : undefined;
+    const rpc = config.rpcUrl ?? chain.defaultRpc;
+    if (options.readBalance && chain.name !== "solana") {
+        status.funding = await funding(ctx, chain, rpc, gasCap);
+        // The owner's Controls are the working limits once the agent is claimed;
+        // read them here so the agent can name them, or offer the link if there is none.
+        status.dashboard = await readDashboardPolicy(ctx);
+    }
+    const withDashboard = (text) => status.dashboard ? `${text} ${dashboardSentence(status.dashboard)}` : text;
+    // The env is read once, at start. An agent that saw agent_reload succeed and
+    // payments stay off concluded the settings were lost, and stopped: say what
+    // the owner changes and that the client must restart the server after.
+    const restart = "Env is read only when the server starts and agent_reload does not read it: once the owner has saved the change, have the client restart the aifinpay MCP server (restart the client, or disable and re-enable the server), then call payment_setup_status again.";
+    if (!config.paymentsEnabled) {
+        status.next_step = withDashboard(`Payments are off: the owner set AIFINPAY_PAYMENTS_ENABLED=0 for this server (they are on by default, within ${ceilingWords(limits)}). ` +
+            `To turn them on, the owner removes that variable from the server's env in the MCP client config. ${restart} ${CONTROLS_NOTE}`);
         return status;
     }
-    const gasCap = Number(status.limits.gas_cap.value);
-    if (options.readBalance && chain.name !== "solana") {
-        const rpc = config.rpcUrl ?? chain.defaultRpc;
+    if (configError) {
+        status.next_step = withDashboard(`Owner setting refused: ${configError}. The owner fixes it in the server's env in the MCP client config. ` + restart);
+        return status;
+    }
+    // Paused or expired Controls refuse every quote; funding or paying now would only fail.
+    const refusal = status.dashboard && dashboardRefusal(status.dashboard);
+    if (refusal) {
+        status.next_step = refusal;
+        return status;
+    }
+    if (status.funding) {
         try {
             const balance = await nativeBalance(ctx, rpc, ctx.agent.evmAddress);
             status.balance = { amount: formatNative(balance), asset: chain.native, chain: chain.name, rpc };
-            const price = await independentNativeUsd({
-                fetchImpl: (input, init) => ctx.agent.inner.fetchImpl(input, init),
-                chain,
-                rpc,
-            }).catch(() => undefined);
-            const batchNative = price ? SMALLEST_BATCH_USD / price.usd : 0;
-            const needed = batchNative + gasCap;
+            const needed = status.funding.amount !== undefined ? Number(status.funding.amount) : Number(gasCap);
             if (Number(status.balance.amount) < needed) {
-                status.next_step =
-                    `Fund ${ctx.agent.evmAddress} on ${chain.label} with about ${needed.toFixed(2)} ${chain.native}` +
-                        (price
-                            ? ` (the smallest batch is $${SMALLEST_BATCH_USD.toFixed(2)} ≈ ${batchNative.toFixed(4)} ${chain.native} plus up to ${gasCap} ${chain.native} gas; it holds ${status.balance.amount})`
-                            : ` (at least the gas cap of ${gasCap} ${chain.native} plus the batch price; it holds ${status.balance.amount})`) +
-                        `, then call payment_setup_status again.`;
+                status.next_step = withDashboard(status.funding.amount !== undefined
+                    ? `Fund ${ctx.agent.evmAddress} on ${chain.label} with about ${status.funding.amount} ${chain.native} (the smallest batch is $${SMALLEST_BATCH_USD.toFixed(2)} ≈ ${status.funding.batch_native} ${chain.native} at today's rate plus up to ${gasCap} ${chain.native} gas; it holds ${status.balance.amount}), then call payment_setup_status again.`
+                    : `Fund ${ctx.agent.evmAddress} on ${chain.label} with the batch price in ${chain.native} at today's rate plus the gas cap of ${gasCap} ${chain.native} (the rate could not be read here, so ask the owner to look it up; it holds ${status.balance.amount}), then call payment_setup_status again.`);
                 return status;
             }
         }
@@ -202,14 +226,69 @@ export async function paymentSetupStatus(ctx, options) {
         }
     }
     status.ready = true;
-    status.next_step =
-        `Ready. Call payable_fetch({"url": "<HTTPS resource on ${config.gatewayOrigins.join(" or ")}>"}); ` +
-            `it pays at most $${config.maxAmountUsd} per call and $${config.dailyAmountUsd} per 24 hours, with gas capped at ${status.limits.gas_cap.value} ${chain.native}.` +
-            (status.balance === "unknown"
-                ? ` The wallet must hold the batch price plus up to the gas cap in ${chain.native} on ${chain.label}.`
-                : "");
+    const sites = config.gatewayOrigins?.length
+        ? `on ${config.gatewayOrigins.join(" or ")}`
+        : "on any https site (the owner can narrow this with AIFINPAY_GATEWAY_ORIGINS)";
+    status.next_step = withDashboard(`Ready. Call payable_fetch({"url": "<HTTPS resource ${sites}>"}); ` +
+        `it pays at most $${config.maxAmountUsd} per call and $${config.dailyAmountUsd} per 24 hours (${ceilingWords(limits)}), with gas capped at ${status.limits.gas_cap.value} ${chain.native}, and only merchants registered with AiFinPay are ever paid. ` +
+        CONTROLS_NOTE +
+        (status.balance === "unknown"
+            ? ` The wallet must hold the batch price plus up to the gas cap in ${chain.native} on ${chain.label}` +
+                (status.funding?.amount !== undefined ? ` (about ${status.funding.amount} ${chain.native} at today's rate).` : ".")
+            : ""));
     return status;
 }
+/**
+ * The amount to fund, priced now. Never a fixed rate: the number comes from
+ * the same independent price sources payable_fetch uses, and when none
+ * answers the advice says so and names no number, so the agent asks the owner
+ * for "the batch price at today's rate plus the gas cap" instead of inventing one.
+ */
+async function funding(ctx, chain, rpc, gasCap) {
+    const address = ctx.agent.evmAddress;
+    const base = {
+        address,
+        chain: chain.name,
+        asset: chain.native,
+        batch_usd: SMALLEST_BATCH_USD,
+        ...(gasCap !== undefined ? { gas_cap: gasCap } : {}),
+        advice: "",
+    };
+    const batch = `the smallest batch ($${SMALLEST_BATCH_USD.toFixed(2)})`;
+    const cap = gasCap !== undefined ? `the gas cap of ${gasCap} ${chain.native}` : "the gas cap the owner sets";
+    try {
+        const price = await independentNativeUsd({
+            fetchImpl: (input, init) => ctx.agent.inner.fetchImpl(input, init),
+            chain,
+            rpc,
+        });
+        const batchNative = SMALLEST_BATCH_USD / price.usd;
+        const funded = {
+            ...base,
+            rate_usd: price.usd,
+            rate_source: price.source,
+            batch_native: formatAmount(batchNative, 4),
+        };
+        if (gasCap === undefined) {
+            funded.advice = `Fund ${address} on ${chain.label} with ${batch} ≈ ${funded.batch_native} ${chain.native} at today's rate ($${formatAmount(price.usd, 4)}/${chain.native}) plus ${cap}.`;
+            return funded;
+        }
+        funded.amount = formatAmount(batchNative + Number(gasCap), 2);
+        funded.advice = `Fund ${address} on ${chain.label} with about ${funded.amount} ${chain.native}: ${batch} ≈ ${funded.batch_native} ${chain.native} at today's rate ($${formatAmount(price.usd, 4)}/${chain.native}) plus up to ${gasCap} ${chain.native} gas.`;
+        return funded;
+    }
+    catch (error) {
+        return {
+            ...base,
+            rate_error: error.message,
+            advice: `The ${chain.native}/USD rate could not be read here, so name no amount: ask the owner to fund ${address} on ${chain.label} with the price of ${batch} in ${chain.native} at today's rate plus ${cap}.`,
+        };
+    }
+}
+/** Fixed decimals for readable amounts; more for ones that would round to zero (ETH on Base). */
+function formatAmount(value, decimals) {
+    return value.toFixed(value >= 0.01 || value === 0 ? decimals : 6);
+}
 function unready(ctx, source, chain, error) {
     return {
         ready: false,
@@ -217,9 +296,10 @@ function unready(ctx, source, chain, error) {
         payments_enabled: Boolean(ctx.config.paymentsEnabled),
         pay_chain: String(ctx.config.payChain),
         pay_asset: ctx.config.payAsset ?? chain.native,
+        ceiling: { max_usd: DEFAULT_MAX_USD, daily_usd: DEFAULT_DAILY_USD },
         limits: {
-            max_usd: limit("AIFINPAY_MAX_USD", ctx.config.maxAmountUsd),
-            daily_usd: limit("AIFINPAY_DAILY_USD", ctx.config.dailyAmountUsd),
+            max_usd: usdLimit(ctx.config, "AIFINPAY_MAX_USD", ctx.config.maxAmountUsd, DEFAULT_MAX_USD),
+            daily_usd: usdLimit(ctx.config, "AIFINPAY_DAILY_USD", ctx.config.dailyAmountUsd, DEFAULT_DAILY_USD),
             gas_cap: limit("AIFINPAY_MAX_GAS", ctx.config.maxGas),
             origins: limit("AIFINPAY_GATEWAY_ORIGINS", ctx.config.gatewayOrigins),
         },

package/dist/tools/payment-setup-status.js.map

@@ -1 +1 @@
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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@aifinpay/mcp",
-  "version": "2.11.2",
+  "version": "2.12.1",
   "mcpName": "io.github.daochild/aifinpay",
   "description": "AiFinPay MCP: persistent local agent wallets, owner-configured EVM and Solana payment adapters, durable budgets and receipt recovery.",
   "type": "module",
@@ -76,9 +76,9 @@
   },
   "bugs": "https://github.com/AiFinPay/sdk/issues",
   "dependencies": {
-    "@aifinpay/agent": "^2.8.0",
-    "@aifinpay/skill": "^2.10.1",
-    "@modelcontextprotocol/sdk": "^1.0.0",
+    "@aifinpay/agent": "^2.9.0",
+    "@aifinpay/skill": "^2.10.2",
+    "@modelcontextprotocol/sdk": "^1.32.1",
     "bs58": "^6.0.0",
     "tweetnacl": "^1.0.3"
   },

package/skills/SKILL.md

@@ -6,7 +6,7 @@ description: Pay for x402-gated APIs and sites as an agent (AIFP-1 on an owner-s
   wallet, payment history, prepaid quotas and Agent Passport records through
   the AiFinPay MCP server or SDK.
 license: MIT
-version: 2.10.1
+version: 2.10.2
 author: AiFinPay Support
 metadata:
   hermes:
@@ -61,17 +61,17 @@ your language. There is no "install together" scenario.
 
 ## Version and release status
 
-Release target: MCP **2.11.1**, Node SDK **2.8.0**, Python **2.7.0**.
+Release target: MCP **2.11.3**, Node SDK **2.9.0**, Python **2.7.0**.
 This skill describes that coordinated package cohort. Check the installed
 versions before using its additional-network instructions; a release target
 does not establish npm/PyPI publication or production network activation.
-Published baseline checked 2026-10-19: MCP **2.11.0**, Node SDK **2.8.0**.
+Published baseline checked 2026-10-19: MCP **2.11.2**, Node SDK **2.8.0**.
 `payable_fetch` has shipped since MCP 2.2.0, and Base since MCP 2.5.0.
 Published packages remain usable within their documented capabilities.
 
 | Surface | Can it pay? |
 |---|---|
-| MCP `@aifinpay/mcp` 2.11.x | `payable_fetch`, only with a persistent wallet and every owner limit set; it is always listed and, until then, answers with the setup checklist instead of signing. `payment_setup_status` is the read-only checklist with one `next_step`. Polygon is the default; other networks require explicit `AIFINPAY_PAY_CHAIN`. The merchant and backend must authorize and serve that network. `scope: "merchant"` buys a site-wide batch. |
+| MCP `@aifinpay/mcp` 2.11.x | `payable_fetch`, only with a persistent wallet and every owner limit set; it is always listed and, until then, answers with the setup checklist instead of signing. `payment_setup_status` is the read-only checklist with one `next_step` and, from 2.11.3, `funding`: the amount to fund at today's rate. Polygon is the default; other networks require explicit `AIFINPAY_PAY_CHAIN`. The merchant and backend must authorize and serve that network. `scope: "merchant"` buys a site-wide batch. |
 | Node `@aifinpay/agent` 2.8.x | `fetchPaid` with a v14 journal, gas cap and owner budgets. Select another network with `v14.chain`; select a pinned stablecoin with `v14.asset`. Native payments require an independent native/USD rate. |
 | Python `aifinpay-agent` 2.7.x | `agent.fetch_paid(url, allowed_origins=…, max_amount_usd=…, daily_amount_usd=…)`; use explicit `chain` and the chain's native gas cap for another network, or a pinned stablecoin `asset`. `agent.recover_paid(journal_path)` recovers the original transaction. |
 
@@ -192,8 +192,9 @@ step — no key handling of your own, no funding of an ephemeral address.
    example `$0.10` for 200 standard requests).
 2. **Check the setup.** Call `payment_setup_status`. It returns the wallet
    (`persistent` or ephemeral), `payments_enabled`, which owner limits are
-   set, the balance when the RPC answers, `ready`, and `next_step` — the one
-   thing still missing. Follow `next_step`; do not skip ahead.
+   set, the balance when the RPC answers, `funding` (what a persistent wallet
+   needs, priced now), `ready`, and `next_step` — the one thing still
+   missing. Follow `next_step`; do not skip ahead.
 3. **Persistent wallet.** If `wallet.persistent` is false, run the exact
    command in `next_step` (it is `npx @aifinpay/mcp init`, prefixed with
    `AIFINPAY_HOME=…` when the server uses its own wallet directory — keep
@@ -208,11 +209,17 @@ step — no key handling of your own, no funding of an ephemeral address.
    its `next_step` and start a new wallet directory. Never fund an ephemeral
    address.
 4. **Fund and enable.** Tell the owner `addresses.evm` and the amount: the
-   batch price in the pay chain's native currency plus the gas cap (on
-   Polygon, about `0.5 POL` covers one `$0.10` batch plus a `0.3 POL` cap).
-   When the owner confirms funding, they add the payment settings from
-   "Paying with payable_fetch" below — with their real origin and limits —
-   to the same `env`. **Limits are read only when the server starts**:
+   batch price in the pay chain's native currency at today's rate plus the
+   gas cap. Take it from `payment_setup_status` — its `funding` field prices
+   the smallest batch now and adds the owner's gas cap into `amount`. The
+   rate moves (on 2026-10-19 one `$0.10` batch was 1.08 POL), so never
+   quote a remembered number; if `funding` has a `rate_error` and no
+   `amount`, ask the owner to fund "the batch price in POL at today's rate
+   plus the gas cap" and name no number. When the owner confirms funding,
+   they add the payment settings from "Paying with payable_fetch" below —
+   with their real origin, and USD values that are a ceiling they will not
+   need to revisit (the working limits are set in the dashboard, see "After
+   creating a wallet") — to the same `env`. **Limits are read only when the server starts**:
    `agent_reload` re-reads the keystore and nothing else, so after the env
    changes the client has to restart the `aifinpay` MCP server (restart the
    client, or disable and re-enable the server in it). Until that restart
@@ -271,21 +278,28 @@ default `scope`.
 
 ## Paying with payable_fetch
 
-The owner configures these MCP environment values (example limits only):
+The owner configures these MCP environment values once (example values; the
+USD ones are a ceiling, not a budget):
 
 ```json
 {
   "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_USD": "5",
+  "AIFINPAY_DAILY_USD": "20",
   "AIFINPAY_MAX_GAS_POL": "0.3"
 }
 ```
 
-The smallest batch is **$0.10 plus gas** on **Polygon**; keep `AIFINPAY_MAX_USD`
-a little above the batch you expect to buy. The gas cap has to cover the
+`AIFINPAY_MAX_USD` and `AIFINPAY_DAILY_USD` are the ceiling the SDK requires
+before it signs with the owner's key: set once, high enough not to need
+revisiting, and left alone. The day-to-day limits — per-payment cap, daily
+cap, pause, allowed sites — are the dashboard **Controls** once the agent is
+claimed (see "After creating a wallet" below); the backend enforces them on
+every quote and payment, with no env change and no server restart. A payment
+has to pass both. The smallest batch is **$0.10 plus gas** on **Polygon**;
+`AIFINPAY_MAX_USD` only has to be at or above the batch. The gas cap has to cover the
 worst-case fee: at ~280 gwei that is about 0.10 POL for a POL payment and
 0.21 POL for USDC, and a lower cap refuses before anything is signed. The fee
 charged is usually a fraction of that, but the wallet must hold the batch plus
@@ -298,8 +312,9 @@ wallet or create one with `npx @aifinpay/mcp init` (on a terminal it asks for
 a passphrase; without one it generates it and prints the `env` block to put
 into the MCP client config — the server's env needs that same
 `AIFINPAY_WALLET_PASSPHRASE`, or every start mints a new ephemeral wallet);
-fund its EVM address on Polygon with POL, or with USDC plus some POL. Funding a wallet does not establish
-unlimited spend authority. Use the owner's actual approved limits and origins,
+fund its EVM address on Polygon with POL, or with USDC plus some POL, in the
+amount `payment_setup_status` prices. Funding a wallet does not establish
+unlimited spend authority. Use the owner's actual approved origins and ceiling,
 then call `payable_fetch({"url":"https://merchant.example/api/data"})`.
 
 For another network, the owner sets `AIFINPAY_PAY_CHAIN` to an exact name in
@@ -370,10 +385,16 @@ at https://dash.aifinpay.io → My Agents:
   `agent.sign_dashboard_claim(challenge)` (Python). These sign only
   `AiFinPay-claim:polygon:<own address>:<nonce>`.
 
-Keep local owner spending limits in the agent's configuration (`AIFINPAY_MAX_USD`,
-`AIFINPAY_DAILY_USD`). Claimed-wallet controls in the dashboard are additional
-backend restrictions on quotes and gateway access; they do not replace local
-limits or control transactions sent directly outside AiFinPay.
+Once the agent is claimed, the dashboard is where the owner manages its
+working limits: **Controls** on the agent's page sets the per-payment cap, the
+daily cap, pause and the allowed sites, and the backend enforces that policy
+on every `/v1/quote` and `/v1/pay` for the claimed agent — no env change, no
+server restart. The env values (`AIFINPAY_MAX_USD`, `AIFINPAY_DAILY_USD`, the
+gas cap, the origins) stay as the ceiling the SDK requires before it signs;
+they do not replace the dashboard, and the dashboard does not replace them —
+a payment has to pass both. Dashboard controls do not reach transactions sent
+directly outside AiFinPay. After `agent_claim_self`, point the owner at
+Controls rather than at the config file when they want to change a limit.
 
 Discover routes on the exact requested origin: `/.well-known/x402.json` and any
 API catalog linked by that site. A dev hostname does not imply testnet. If a

package/smithery.yaml

@@ -1,6 +1,6 @@
 name: aifinpay
 displayName: AiFinPay
-description: Payment infrastructure for AI agents. A persistent non-custodial agent wallet, Agent Passport resolution, route discovery and non-signing settlement invoices; with owner-set limits, payable_fetch buys prepaid access to AIFP-1 merchants on Polygon or Base, in POL/ETH or a pinned stablecoin.
+description: Payment infrastructure for AI agents. A persistent non-custodial agent wallet, Agent Passport resolution, route discovery and non-signing settlement invoices; within a built-in $5 / $20 ceiling and the owner's dashboard Controls, payable_fetch buys prepaid access to AIFP-1 merchants on Polygon or Base, in POL/ETH or a pinned stablecoin.
 version: 2.5.0
 license: MIT
 homepage: https://aifinpay.io
@@ -66,25 +66,24 @@ configSchema:
       description: Passphrase for an encrypted agent.json keystore. Without it an encrypted keystore cannot be opened and the server does not start.
     AIFINPAY_PAYMENTS_ENABLED:
       type: string
-      title: Enable payments
-      description: Set to "1" to register payable_fetch. Requires a persistent wallet and AIFINPAY_MAX_USD, AIFINPAY_DAILY_USD, AIFINPAY_GATEWAY_ORIGINS and a gas cap (AIFINPAY_MAX_GAS, or AIFINPAY_MAX_GAS_POL on Polygon); the server refuses to start if any is missing. Unset or "0" keeps the server read-only.
+      title: Payments switch
+      description: Payments are on unless set to "0". Only a persistent wallet (npx @aifinpay/mcp init) signs, within the built-in ceiling of $5 per payment and $20 per 24 hours and only to merchants registered with AiFinPay; an unfunded wallet spends nothing. "0" keeps the server read-only.
     AIFINPAY_MAX_USD:
       type: string
       title: Max USD per payment
-      description: Per-payment cap for payable_fetch. Required when payments are enabled; there is no default. A tool argument can lower it for one call, never raise it.
+      description: Lowers the built-in $5 per-payment ceiling of payable_fetch (default 5); a higher value is refused. The working limits are the dashboard Controls. A tool argument can lower it for one call, never raise it.
     AIFINPAY_DAILY_USD:
       type: string
       title: Max USD per 24 hours
-      description: Rolling 24-hour spending cap for payable_fetch. Required when payments are enabled.
+      description: Lowers the built-in $20 rolling 24-hour ceiling of payable_fetch (default 20); a higher value is refused.
     AIFINPAY_GATEWAY_ORIGINS:
       type: string
       title: Payable origins
-      description: Comma-separated exact HTTPS origins the agent may pay (no wildcards). Required when payments are enabled.
+      description: Optional allowlist of comma-separated exact HTTPS origins the agent may pay (no wildcards). Unset, any https site; who is paid is decided by the AiFinPay-signed quote, never by the 402.
     AIFINPAY_GATEWAY_PATH_MODE:
       type: string
       title: Gateway path mode
-      description: "Use gateway for merchant-slug identity or direct for full request-path identity."
-      default: gateway
+      description: "Use gateway for merchant-slug identity or direct for full request-path identity. Unset, inferred per URL: gateway.aifinpay.io by slug, any other site by path."
     AIFINPAY_PAY_CHAIN:
       type: string
       title: Payment chain