@arispay/payagent-mcp 3.0.0 → 3.1.1

package/README.md

@@ -108,6 +108,7 @@ Or invoke directly via `npx @arispay/payagent-mcp` from an MCP client config —
 ## Related
 
 - [payagent](https://www.npmjs.com/package/payagent) — the SDK for programmatic use
+- [facilitator.arispay.app](https://facilitator.arispay.app) — ArisPay's open x402 facilitator (USDC + EURC on Base), where paid 402s settle
 - [x402 protocol](https://github.com/coinbase/x402) — HTTP 402 payment standard
 
 ## License

package/dist/index.js

@@ -15,6 +15,7 @@ import {
   launchAgent,
   listAgents,
   payFetchDelegated,
+  payFetchLocal,
   renameStoredAgent,
   syncAgents
 } from "payagent";
@@ -370,12 +371,41 @@ server.tool(
     agent: z.string().optional().describe("Optional name of a stored x402 payer agent.")
   },
   async ({ url, method, headers, body, agent }) => {
+    const localKey = process.env.PAYAGENT_PRIVATE_KEY;
+    if (localKey) {
+      try {
+        const fetch402 = payFetchLocal({ privateKey: localKey });
+        const response = await fetch402(url, { method, headers, body });
+        const responseBody = await response.text();
+        return textResult(
+          [
+            `HTTP ${response.status} (paid locally \u2014 permissionless mode, no server-enforced limits)`,
+            "",
+            responseBody
+          ].join("\n")
+        );
+      } catch (err) {
+        const message = err instanceof Error ? err.message : String(err);
+        if (looksLikeInsufficientFunds(message)) {
+          return textResult(
+            [
+              `Error: ${message}`,
+              "",
+              "The local wallet is out of USDC. Fund it on Base, or unset PAYAGENT_PRIVATE_KEY to use delegated custody."
+            ].join("\n"),
+            true
+          );
+        }
+        return textResult(`Error: ${message}`, true);
+      }
+    }
     const stored = agent ? getAgent(agent) : listAgents()[0];
     if (!stored?.apiKey) {
       return textResult(
         [
           "No x402 payer agent available. For wallet-centric payments use pay_merchant.",
-          "To create an x402 agent, use create_agent({ name, perTx, daily, monthly })."
+          "To create an x402 agent, use create_agent({ name, perTx, daily, monthly }).",
+          "Or set PAYAGENT_PRIVATE_KEY to pay with a local key (permissionless mode \u2014 no ArisPay account)."
         ].join("\n"),
         true
       );

package/dist/index.js.map

@@ -1 +1 @@
-{"version":3,"sources":["../src/index.ts","../src/pay-api-helpers.ts","../src/profile.ts"],"sourcesContent":["/**\n * payagent-mcp — MCP server for ArisPay's wallet-centric model.\n *\n * Core idea: the user has a master funding account and one or more\n * sub-wallets (spending profiles). Sub-wallets do NOT hold their own\n * on-chain keys; they draw from the user's FundingAccount when making\n * payments. The AI (Claude, Cursor, etc.) is the agent that operates the\n * sub-wallet on the user's behalf.\n *\n * Default tools:\n *   - create_user({ email, name? })          — sign up + create master funding account\n *   - create_wallet({ name, perTx, daily, monthly, allowedDomains? })\n *                                            — create a sub-wallet / spending profile\n *   - list_wallets()                         — list sub-wallets\n *   - fund_wallet({ wallet, rail, amount? }) — fund the master wallet (europ via Schuman vIBAN,\n *                                              card via hosted card-setup)\n *   - get_balance({ wallet? })               — sub-wallet + master funding-account balances\n *   - pay_merchant({ wallet, merchantUrl, amount, memo, merchantId?, currency? })\n *                                            — pay from the master wallet via balance/card rail\n *\n * Advanced / x402 rail:\n *   - pay_api(url, ...)                      — pay an x402-protected HTTP resource (Base USDC)\n *   - create_agent(...)                      — provision an x402 payer with its own Base wallet\n *   - list_agents()                          — list x402 payer agents\n *   - fund_agent({ name })                   — fund an x402 agent's Base wallet\n *   - get_balance_agent({ name })            — on-chain USDC balance for an x402 agent\n *\n * Auth: developer bearer key from ~/.payagent/config.json or ARISPAY_API_KEY.\n */\nimport { McpServer } from \"@modelcontextprotocol/sdk/server/mcp.js\";\nimport { StdioServerTransport } from \"@modelcontextprotocol/sdk/server/stdio.js\";\nimport {\n  BootstrapError,\n  type DelegatedPaymentInfo,\n  DelegationClient,\n  HostedTopupNotConfiguredError,\n  type StoredAgent,\n  bootstrapAgent,\n  formatUSDC,\n  getAgent,\n  getApiKey,\n  getArispayUrl,\n  getUSDCBalance,\n  launchAgent,\n  listAgents,\n  payFetchDelegated,\n  renameStoredAgent,\n  syncAgents,\n} from \"payagent\";\nimport { z } from \"zod\";\nimport { looksLikeInsufficientFunds } from \"./pay-api-helpers.js\";\nimport { platformToolsEnabled } from \"./profile.js\";\n\n// ── Configuration ─────────────────────────────────────\n\nconst arispayUrl = getArispayUrl(process.env.ARISPAY_URL);\nconst legacyAgentKey = process.env.ARISPAY_AGENT_KEY;\nconst legacyWalletAddress = process.env.PAYAGENT_WALLET;\n\n/** External id used to represent the developer user as their own EndUser/payer. */\nconst SELF_ENDUSER_EXTERNAL_ID = \"self\";\n\n/** Browser handoff host for EURØP / Schuman KYC. */\nconst buyformeUrl =\n  process.env.BUYFORME_URL?.replace(/\\/$/, \"\") ?? \"https://buyforme.arispay.app\";\n\nfunction requireDevKey(): string {\n  const key = getApiKey();\n  if (!key) {\n    throw new Error(\n      \"No ArisPay developer key found. Run `npx payagent init` or set ARISPAY_API_KEY.\",\n    );\n  }\n  return key;\n}\n\nfunction textResult(text: string, isError = false) {\n  return {\n    content: [{ type: \"text\" as const, text }],\n    ...(isError ? { isError } : {}),\n  };\n}\n\n// ── Wallet resolution ─────────────────────────────────\n\n/**\n * Resolve a locally-known sub-wallet name to its server-side wallet id.\n * Wallets are authoritative on the server; we look them up by name each time\n * so renaming on the server is always reflected immediately.\n */\nasync function resolveWallet(\n  client: DelegationClient,\n  name: string,\n): Promise<{ id: string; name: string } | undefined> {\n  const list = await client.listWallets();\n  return list.wallets.find((w) => w.name === name);\n}\n\n/**\n * Resolve the \"self\" EndUser id for the authenticated developer. This is the\n * payer record that owns the master FundingAccount.\n */\nasync function resolveSelfEndUserId(client: DelegationClient): Promise<string | undefined> {\n  try {\n    const user = await client.getEndUserByExternalId(SELF_ENDUSER_EXTERNAL_ID);\n    return user.id;\n  } catch {\n    return undefined;\n  }\n}\n\n// ── MCP Server ────────────────────────────────────────\n\nconst server = new McpServer({\n  name: \"payagent\",\n  version: \"3.0.0\",\n});\n\n// --- create_user ------------------------------------------------------------\n\nserver.tool(\n  \"create_user\",\n  \"Cold-start in one call: create an ArisPay user account plus the master funding account. Safe to re-run — it recovers the existing account instead of creating duplicates.\",\n  {\n    email: z.string().describe(\"Email for the new ArisPay account.\"),\n    name: z.string().optional().describe(\"Human name. Falls back to the email local-part.\"),\n  },\n  async ({ email, name }) => {\n    try {\n      const result = await bootstrapAgent({\n        email,\n        name,\n        arispayUrl: process.env.ARISPAY_URL,\n        clientId: \"payagent-mcp-bootstrap\",\n      });\n\n      // Ensure the developer user has a self EndUser record so the master\n      // FundingAccount can be provisioned.\n      const devKey = getApiKey();\n      if (devKey) {\n        const client = new DelegationClient(arispayUrl, devKey);\n        try {\n          await client.createEndUser({\n            externalId: SELF_ENDUSER_EXTERNAL_ID,\n            email,\n            findOrCreate: true,\n          });\n        } catch {\n          // Best-effort; the wallets route will create it on demand if needed.\n        }\n      }\n\n      const lines = [\n        `✓ Account: ${result.email}  (org \\`${result.orgName}\\`)`,\n        `✓ Master funding account ready.`,\n        \"\",\n        \"Next steps:\",\n        \"  1. create_wallet({ name: 'Daily', perTx, daily, monthly })\",\n        \"  2. fund_wallet({ wallet: 'Daily', rail: 'europ' }) for SEPA / EURØP\", \n        \"     or fund_wallet({ wallet: 'Daily', rail: 'card' }) for card top-up.\",\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      if (err instanceof BootstrapError) {\n        return textResult(`create_user failed (${err.code}): ${err.message}`, true);\n      }\n      return textResult(\n        `create_user failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- create_wallet ----------------------------------------------------------\n\nserver.tool(\n  \"create_wallet\",\n  \"Create a sub-wallet / spending profile. Sub-wallets draw from the master funding account and enforce per-transaction, daily, and monthly spend limits.\",\n  {\n    name: z.string().describe(\"Human name for this sub-wallet, e.g. 'Daily' or 'Travel'.\"),\n    perTx: z.number().int().positive().describe(\"Per-transaction spend cap in cents.\"),\n    daily: z.number().int().positive().describe(\"Daily spend cap in cents.\"),\n    monthly: z.number().int().positive().describe(\"Monthly spend cap in cents.\"),\n    allowedDomains: z\n      .array(z.string())\n      .optional()\n      .describe(\"If provided, restrict this sub-wallet to paying only these domains.\"),\n  },\n  async ({ name, perTx, daily, monthly, allowedDomains }) => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const wallet = await client.createWallet({\n        name,\n        perTx,\n        daily,\n        monthly,\n        allowedDomains,\n      });\n      const lines = [\n        `✓ Sub-wallet \\`${wallet.name}\\` created.`,\n        `  id: ${wallet.id}`,\n        `  limits: ${wallet.limits.perTx ?? \"—\"}¢ / tx, ${wallet.limits.daily ?? \"—\"}¢ / day, ${wallet.limits.monthly ?? \"—\"}¢ / month`,\n        \"\",\n        `Fund it with fund_wallet({ wallet: \"${wallet.name}\", rail: \"europ\" | \"card\" }).`,\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `create_wallet failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- list_wallets -----------------------------------------------------------\n\nserver.tool(\n  \"list_wallets\",\n  \"List all sub-wallets under this account.\",\n  {},\n  async () => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const list = await client.listWallets();\n      if (!list.wallets.length) {\n        return textResult(\n          \"No sub-wallets yet. Create one with create_wallet({ name, perTx, daily, monthly }).\",\n        );\n      }\n      const lines = list.wallets.map((w) =>\n        [\n          `\\`${w.name}\\` (${w.id})`,\n          `  status:  ${w.status}`,\n          `  limits:  ${w.limits.perTx ?? \"—\"}¢ / tx, ${w.limits.daily ?? \"—\"}¢ / day, ${w.limits.monthly ?? \"—\"}¢ / month`,\n          `  balance: ${w.balance} ${w.balanceCurrency}`,\n        ].join(\"\\n\"),\n      );\n      return textResult(lines.join(\"\\n\\n\"));\n    } catch (err) {\n      return textResult(\n        `list_wallets failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- fund_wallet ------------------------------------------------------------\n\nserver.tool(\n  \"fund_wallet\",\n  \"Add money to the master funding account so a sub-wallet can spend. rail='europ' opens the Schuman KYC / vIBAN flow in a browser; rail='card' mints a hosted card-setup URL.\",\n  {\n    wallet: z.string().describe(\"Name of a sub-wallet (used only for handoff context).\"),\n    rail: z\n      .enum([\"europ\", \"card\"])\n      .describe(\"Funding rail: 'europ' for SEPA/EURØP, 'card' for debit/credit card.\"),\n    amount: z.number().positive().optional().describe(\"Optional preset amount in dollars.\"),\n  },\n  async ({ wallet, rail, amount }) => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const resolved = await resolveWallet(client, wallet);\n      if (!resolved) {\n        return textResult(`No sub-wallet named \\`${wallet}\\`. Run list_wallets().`, true);\n      }\n\n      if (rail === \"europ\") {\n        const handoffUrl = `${buyformeUrl}/onboarding/fund-europ?agentId=${encodeURIComponent(\n          resolved.id,\n        )}`;\n        const lines = [\n          `Fund the master wallet for \\`${wallet}\\` with EURØP via Schuman:`,\n          \"\",\n          `  ${handoffUrl}`,\n          \"\",\n          \"Open that link in a browser to:\",\n          \"  1. Verify your identity with Schuman Financial (one-time KYC).\",\n          \"  2. Receive a dedicated SEPA vIBAN.\",\n          \"  3. Send EUR by bank transfer; Schuman mints EURØP once it clears.\",\n          \"\",\n          \"After the deposit clears, the master funding account is credited and this sub-wallet can spend.\",\n        ];\n        return textResult(lines.join(\"\\n\"));\n      }\n\n      // rail === 'card'\n      const endUserId = await resolveSelfEndUserId(client);\n      if (!endUserId) {\n        return textResult(\n          \"No payer record found. Run create_user first, then retry fund_wallet with rail='card'.\",\n          true,\n        );\n      }\n      const session = await client.createCardSetupSession({ endUserId });\n      const lines = [\n        `Add a card to fund the master wallet for \\`${wallet}\\`:`,\n        \"\",\n        `  ${session.setupUrl}`,\n        \"\",\n        `  Expires at: ${session.expiresAt}`,\n        \"\",\n        \"After the card is verified, you can top up. Card top-ups are not yet exposed via MCP; use the BuyForMe web app or the ArisPay dashboard for now.\",\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `fund_wallet failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- get_balance ------------------------------------------------------------\n\nserver.tool(\n  \"get_balance\",\n  \"Show the master funding-account balance(s) and a sub-wallet's spend limits. If no wallet is named, lists all sub-wallets.\",\n  {\n    wallet: z\n      .string()\n      .optional()\n      .describe(\"Optional sub-wallet name. Omit to list all sub-wallets.\"),\n  },\n  async ({ wallet }) => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n\n      if (!wallet) {\n        const list = await client.listWallets();\n        if (!list.wallets.length) {\n          return textResult(\"No sub-wallets yet. Create one with create_wallet().\");\n        }\n        const lines = list.wallets.map((w) => {\n          const lim = `limits: ${w.limits.perTx ?? \"—\"}¢ / tx, ${w.limits.daily ?? \"—\"}¢ / day, ${w.limits.monthly ?? \"—\"}¢ / month`;\n          return `\\`${w.name}\\` — ${w.balance} ${w.balanceCurrency} — ${lim}`;\n        });\n        return textResult(lines.join(\"\\n\"));\n      }\n\n      const resolved = await resolveWallet(client, wallet);\n      if (!resolved) {\n        return textResult(`No sub-wallet named \\`${wallet}\\`.`, true);\n      }\n\n      const bal = await client.getWalletBalance(resolved.id);\n      const lines = [\n        `Sub-wallet: \\`${bal.wallet.name}\\``,\n        `  status:  ${bal.wallet.status}`,\n        `  limits:  ${bal.wallet.limits.perTx ?? \"—\"}¢ / tx, ${bal.wallet.limits.daily ?? \"—\"}¢ / day, ${bal.wallet.limits.monthly ?? \"—\"}¢ / month`,\n        \"\",\n        \"Master funding accounts:\",\n      ];\n      if (!bal.fundingAccounts.length) {\n        lines.push(\"  No funded accounts yet. Use fund_wallet() to add money.\");\n      } else {\n        for (const acct of bal.fundingAccounts) {\n          lines.push(`  ${acct.currency}: ${acct.balance}¢ (${acct.provider ?? \"internal\"})`);\n        }\n      }\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `get_balance failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- pay_merchant -----------------------------------------------------------\n\nserver.tool(\n  \"pay_merchant\",\n  \"Pay a merchant from the master wallet through a sub-wallet. For balance-rail payments (from FundingAccount), merchantId is required. For card-rail payments, the user must have a verified card on file.\",\n  {\n    wallet: z.string().describe(\"Name of the sub-wallet to spend through.\"),\n    merchantUrl: z.string().describe(\"Canonical merchant URL for this payment.\"),\n    amount: z.number().int().positive().describe(\"Amount in cents.\"),\n    memo: z.string().describe(\"Human-readable memo, e.g. 'T-shirt from getwatta.com'.\"),\n    merchantId: z\n      .string()\n      .optional()\n      .describe(\"Required for balance-rail payments to a registered merchant.\"),\n    currency: z.string().optional().describe(\"Currency code. Default: USD.\"),\n    rail: z\n      .enum([\"balance\", \"card\"])\n      .optional()\n      .describe(\"Force balance or card rail. Default: server picks based on available funding.\"),\n  },\n  async ({ wallet, merchantUrl, amount, memo, merchantId, currency, rail }) => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const resolved = await resolveWallet(client, wallet);\n      if (!resolved) {\n        return textResult(`No sub-wallet named \\`${wallet}\\`.`, true);\n      }\n\n      const endUserId = await resolveSelfEndUserId(client);\n      if (!endUserId) {\n        return textResult(\n          \"No payer record found. Run create_user first, then retry the payment.\",\n          true,\n        );\n      }\n\n      const payment = await client.createPayment(resolved.id, {\n        userId: endUserId,\n        amount,\n        currency: currency ?? \"USD\",\n        memo,\n        merchantUrl,\n        merchantId,\n        rail,\n      });\n\n      const lines = [\n        `Payment ${payment.id}: ${payment.status}`,\n        `  rail:    ${payment.rail}`,\n        `  amount:  ${payment.amount}¢ ${payment.currency}`,\n      ];\n      if (payment.merchantName) lines.push(`  merchant: ${payment.merchantName}`);\n      if (payment.txHash) lines.push(`  tx hash:  ${payment.txHash}`);\n      if (payment.spend) {\n        const fmtCap = (v: number | null) => (v == null ? \"no cap\" : `${v}¢`);\n        lines.push(\n          `  budget:  ${fmtCap(payment.spend.remainingDaily)} left today, ${fmtCap(payment.spend.remainingMonthly)} this month`,\n        );\n      }\n      if (payment.nextAction?.challengeUrl) {\n        lines.push(`  3DS challenge URL: ${payment.nextAction.challengeUrl}`);\n      }\n      if (payment.error) {\n        lines.push(`  error:   ${payment.error.code} — ${payment.error.message}`);\n      }\n      return textResult(lines.join(\"\\n\"), payment.status === \"failed\");\n    } catch (err) {\n      return textResult(\n        `pay_merchant failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- pay_api (advanced x402) ------------------------------------------------\n\nserver.tool(\n  \"pay_api\",\n  \"Advanced: make an HTTP request to an x402-protected API, paying with USDC on Base via delegated signing. This is a separate rail from the wallet-centric balance/card flows.\",\n  {\n    url: z.string().describe(\"The full URL of the API endpoint to call.\"),\n    method: z.enum([\"GET\", \"POST\", \"PUT\", \"DELETE\", \"PATCH\"]).default(\"GET\"),\n    headers: z.record(z.string(), z.string()).optional(),\n    body: z.string().optional(),\n    agent: z.string().optional().describe(\"Optional name of a stored x402 payer agent.\"),\n  },\n  async ({ url, method, headers, body, agent }) => {\n    const stored = agent ? getAgent(agent) : listAgents()[0];\n    if (!stored?.apiKey) {\n      return textResult(\n        [\n          \"No x402 payer agent available. For wallet-centric payments use pay_merchant.\",\n          \"To create an x402 agent, use create_agent({ name, perTx, daily, monthly }).\",\n        ].join(\"\\n\"),\n        true,\n      );\n    }\n    try {\n      let paymentInfo: DelegatedPaymentInfo | undefined;\n      const fetch402 = payFetchDelegated({\n        arispayUrl,\n        apiKey: stored.apiKey,\n        onPayment: (info) => {\n          paymentInfo = info;\n        },\n      });\n      const response = await fetch402(url, { method, headers, body });\n      const responseBody = await response.text();\n      const statusLine = paymentInfo\n        ? `HTTP ${response.status} (paid ${paymentInfo.amountCents}¢ via \\`${stored.name}\\` — budget left: ${paymentInfo.remainingDaily}¢ today, ${paymentInfo.remainingMonthly}¢ this month)`\n        : `HTTP ${response.status} (paid via \\`${stored.name}\\`)`;\n      return textResult([statusLine, \"\", responseBody].join(\"\\n\"));\n    } catch (err) {\n      const message = err instanceof Error ? err.message : String(err);\n      if (looksLikeInsufficientFunds(message)) {\n        return textResult(\n          [\n            `Error: ${message}`,\n            \"\",\n            \"The x402 agent wallet is out of USDC. Fund it with fund_agent({ name }) or switch to wallet-centric pay_merchant.\",\n          ].join(\"\\n\"),\n          true,\n        );\n      }\n      return textResult(`Error: ${message}`, true);\n    }\n  },\n);\n\n// --- create_agent (advanced x402) -------------------------------------------\n\nserver.tool(\n  \"create_agent\",\n  \"Advanced: provision an x402 payer agent with its own Base USDC wallet. Use create_wallet instead unless you specifically need to pay x402-protected HTTP resources.\",\n  {\n    name: z.string().describe(\"Local identifier for this x402 agent.\"),\n    perTx: z.number().int().positive().describe(\"Per-transaction spend cap in cents.\"),\n    daily: z.number().int().positive().describe(\"Daily spend cap in cents.\"),\n    monthly: z.number().int().positive().describe(\"Monthly spend cap in cents.\"),\n    allowedDomains: z.array(z.string()).optional(),\n    network: z.enum([\"base\", \"base-sepolia\", \"ethereum\", \"polygon\"]).default(\"base\"),\n    agentType: z.string().optional(),\n  },\n  async ({ name, perTx, daily, monthly, allowedDomains, network, agentType }) => {\n    try {\n      requireDevKey();\n      const agent = await launchAgent({\n        name,\n        limits: { perTx, daily, monthly },\n        allowedDomains,\n        network,\n        agentType,\n      });\n      const lines = [\n        `✓ x402 agent \\`${name}\\` created.`,\n        `  Agent ID:  ${agent.agentId}`,\n        `  Wallet:    ${agent.walletAddress}`,\n        `  Network:   ${agent.network}`,\n        `  Limits:    ${perTx}¢ / tx, ${daily}¢ / day, ${monthly}¢ / month`,\n        \"\",\n        `  Fund the wallet with USDC on ${agent.network}, then call get_balance_agent with name=\"${name}\".`,\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `create_agent failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- fund_agent (advanced x402) ---------------------------------------------\n\nserver.tool(\n  \"fund_agent\",\n  \"Advanced: get the USDC deposit address for an x402 payer agent.\",\n  {\n    name: z.string().describe(\"Name of a locally-stored x402 agent.\"),\n  },\n  async ({ name }) => {\n    const stored = getAgent(name);\n    if (!stored) return textResult(`No x402 agent named \\`${name}\\`.`, true);\n    const lines = [\n      `Fund x402 agent \\`${name}\\` by sending USDC on ${stored.network ?? \"base\"} to:`,\n      \"\",\n      `  ${stored.walletAddress}`,\n      \"\",\n      \"Only send USDC on the network shown above. Other tokens or networks may be lost.\",\n      \"Call get_balance_agent when the deposit lands.\",\n    ];\n    return textResult(lines.join(\"\\n\"));\n  },\n);\n\n// --- get_balance_agent (advanced x402) --------------------------------------\n\nserver.tool(\n  \"get_balance_agent\",\n  \"Advanced: on-chain USDC balance for an x402 payer agent.\",\n  {\n    name: z.string().describe(\"Name of a locally-stored x402 agent.\"),\n  },\n  async ({ name }) => {\n    const stored = getAgent(name);\n    if (!stored) return textResult(`No x402 agent named \\`${name}\\`.`, true);\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const balance = await client.getBalance(stored.agentId);\n      const human = formatUSDC(BigInt(balance.usdcBalance || \"0\"));\n      const lines = [\n        `${name}: ${human} USDC on ${balance.network}`,\n        balance.fundedAt ? `  First funded at: ${balance.fundedAt}` : \"  Not yet funded.\",\n        `  Wallet: ${balance.walletAddress}`,\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `get_balance_agent failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- list_agents (advanced x402) --------------------------------------------\n\nserver.tool(\n  \"list_agents\",\n  \"Advanced: list x402 payer agents with on-chain wallets.\",\n  {\n    withBalance: z.boolean().optional().describe(\"Fetch on-chain USDC balance per agent.\"),\n  },\n  async ({ withBalance }) => {\n    const devKey = getApiKey();\n    if (!devKey) {\n      return textResult(\"No developer key found. Run create_user or npx payagent init.\");\n    }\n    try {\n      const result = await syncAgents({ includeBalance: withBalance === true });\n      if (!result.agents.length) {\n        return textResult(\"No x402 agents found. Use create_agent to provision one.\");\n      }\n      const lines = result.agents.map((a) => {\n        const balanceLine =\n          a.usdcBalance !== undefined\n            ? `  balance:   ${formatUSDC(BigInt(a.usdcBalance || \"0\"))} USDC`\n            : null;\n        return [\n          a.name,\n          `  agent id:  ${a.agentId}`,\n          `  wallet:    ${a.walletAddress}`,\n          `  network:   ${a.network}`,\n          `  limits:    ${a.limits.maxPerTx}¢ / tx, ${a.limits.maxDaily}¢ / day, ${a.limits.maxMonthly}¢ / month`,\n          ...(balanceLine ? [balanceLine] : []),\n        ].join(\"\\n\");\n      });\n      return textResult(lines.join(\"\\n\\n\"));\n    } catch (err) {\n      return textResult(\n        `list_agents failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- rename_agent (advanced x402) -------------------------------------------\n\nserver.tool(\n  \"rename_agent\",\n  \"Advanced: rename an x402 payer agent.\",\n  {\n    name: z.string().describe(\"Current local name of the x402 agent.\"),\n    newName: z.string().describe(\"New name.\"),\n  },\n  async ({ name, newName }) => {\n    if (name === newName) {\n      return textResult(`Agent \\`${name}\\` already has that name.`);\n    }\n    const stored = getAgent(name);\n    if (!stored) {\n      return textResult(`No x402 agent named \\`${name}\\`.`, true);\n    }\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const result = await client.renameAgent(stored.agentId, newName);\n      renameStoredAgent(name, result.name);\n      return textResult(`✓ Renamed \\`${name}\\` → \\`${result.name}\\`.`);\n    } catch (err) {\n      return textResult(\n        `rename_agent failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- Platform (end-user) tools ----------------------------------------------\n//\n// Skipped under PAYAGENT_MCP_PROFILE=core.\nif (platformToolsEnabled()) {\n  server.tool(\n    \"create_enduser\",\n    \"Platform mode: register an end-customer under your account.\",\n    {\n      externalId: z.string().describe(\"Your own stable id for this customer.\"),\n      email: z.string().optional(),\n      findOrCreate: z.boolean().optional(),\n    },\n    async ({ externalId, email, findOrCreate }) => {\n      try {\n        const devKey = requireDevKey();\n        const client = new DelegationClient(arispayUrl, devKey);\n        const user = await client.createEndUser({ externalId, email, findOrCreate });\n        return textResult(\n          `✓ End-user \\`${externalId}\\` ready.\\n  ArisPay id: ${user.id}\\n  Has card: ${user.hasPaymentMethod ? \"yes\" : \"no\"}`,\n        );\n      } catch (err) {\n        return textResult(\n          `create_enduser failed: ${err instanceof Error ? err.message : String(err)}`,\n          true,\n        );\n      }\n    },\n  );\n\n  server.tool(\n    \"attach_card_for_user\",\n    \"Platform mode: mint a hosted card-entry URL for an end-user.\",\n    {\n      userId: z.string().describe(\"ArisPay-internal end-user id.\"),\n      agentName: z.string().optional().describe(\"Optional x402 agent name to scope the session to.\"),\n    },\n    async ({ userId, agentName }) => {\n      try {\n        const devKey = requireDevKey();\n        const client = new DelegationClient(arispayUrl, devKey);\n        const agentId = agentName ? getAgent(agentName)?.agentId : undefined;\n        const session = await client.createCardSetupSession({ endUserId: userId, agentId });\n        return textResult(\n          [`Card-entry URL:`, `  ${session.setupUrl}`, `  Expires at: ${session.expiresAt}`].join(\n            \"\\n\",\n          ),\n        );\n      } catch (err) {\n        return textResult(\n          `attach_card_for_user failed: ${err instanceof Error ? err.message : String(err)}`,\n          true,\n        );\n      }\n    },\n  );\n\n  server.tool(\n    \"set_user_limits\",\n    \"Platform mode: set per-(user, agent) spend caps.\",\n    {\n      userId: z.string(),\n      agentName: z.string(),\n      perTx: z.number().int().optional(),\n      daily: z.number().int().optional(),\n      monthly: z.number().int().optional(),\n      allowedMcc: z.array(z.string()).optional(),\n      blockedMcc: z.array(z.string()).optional(),\n    },\n    async ({ userId, agentName, perTx, daily, monthly, allowedMcc, blockedMcc }) => {\n      try {\n        const stored = getAgent(agentName);\n        if (!stored) return textResult(`No x402 agent named \\`${agentName}\\`.`, true);\n        const devKey = requireDevKey();\n        const client = new DelegationClient(arispayUrl, devKey);\n        const limit = await client.setUserLimits(userId, {\n          agentId: stored.agentId,\n          maxPerTransaction: perTx ?? null,\n          maxDaily: daily ?? null,\n          maxMonthly: monthly ?? null,\n          allowedMerchantCategories: allowedMcc,\n          blockedMerchantCategories: blockedMcc,\n        });\n        return textResult(\n          `✓ Limits set. per-tx ${limit.maxPerTransaction ?? \"inherit\"}¢, daily ${limit.maxDaily ?? \"inherit\"}¢, monthly ${limit.maxMonthly ?? \"inherit\"}¢`,\n        );\n      } catch (err) {\n        return textResult(\n          `set_user_limits failed: ${err instanceof Error ? err.message : String(err)}`,\n          true,\n        );\n      }\n    },\n  );\n\n  server.tool(\n    \"get_user_status\",\n    \"Platform mode: report an end-user's card and wallet readiness.\",\n    {\n      userId: z.string(),\n    },\n    async ({ userId }) => {\n      try {\n        const devKey = requireDevKey();\n        const client = new DelegationClient(arispayUrl, devKey);\n        const user = await client.getEndUser(userId);\n        const lines = [\n          `${user.externalId} (${user.id})`,\n          `  card:   ${user.hasPaymentMethod ? `${user.cardBrand ?? \"card\"} …${user.cardLast4 ?? \"????\"}` : \"—\"}`,\n          `  wallet: ${user.walletAddress ?? \"—\"}${user.walletChain ? ` on ${user.walletChain}` : \"\"}`,\n        ];\n        return textResult(lines.join(\"\\n\"));\n      } catch (err) {\n        return textResult(\n          `get_user_status failed: ${err instanceof Error ? err.message : String(err)}`,\n          true,\n        );\n      }\n    },\n  );\n}\n\n// --- check_wallet (legacy diagnostic) ---------------------------------------\n\nserver.tool(\n  \"check_wallet\",\n  \"Legacy diagnostic for x402 payer agents. Use get_balance for wallet-centric balances.\",\n  {\n    agent: z.string().optional().describe(\"Optional name of a locally-stored x402 agent.\"),\n  },\n  async ({ agent }) => {\n    const stored = agent ? getAgent(agent) : listAgents()[0];\n    const walletAddress = stored?.walletAddress ?? legacyWalletAddress;\n    const keyTail =\n      stored?.apiKey.slice(-4) ?? (legacyAgentKey ? legacyAgentKey.slice(-4) : undefined);\n\n    const lines = [`ArisPay URL: ${arispayUrl}`];\n    if (stored) lines.push(`Agent:       ${stored.name} (${stored.agentId})`);\n    if (keyTail) lines.push(`Agent key:   ap_…${keyTail}`);\n\n    if (walletAddress) {\n      lines.push(`Wallet:      ${walletAddress}`);\n      try {\n        const raw = await getUSDCBalance(walletAddress, (stored?.network as \"base\") ?? \"base\");\n        lines.push(`Balance:     ${formatUSDC(raw)} USDC on ${stored?.network ?? \"base\"}`);\n      } catch (err) {\n        lines.push(`Balance:     unavailable (${err instanceof Error ? err.message : String(err)})`);\n      }\n    } else {\n      lines.push(\"\", \"No wallet known.\");\n    }\n    return textResult(lines.join(\"\\n\"));\n  },\n);\n\n// ── Start ─────────────────────────────────────────────\n\nasync function main() {\n  const transport = new StdioServerTransport();\n  await server.connect(transport);\n}\n\nmain().catch((err) => {\n  console.error(\"Fatal:\", err);\n  process.exit(1);\n});\n","/**\n * Helpers for the `pay_api` MCP tool.\n *\n * Extracted into their own module so the heuristic that triggers\n * automatic Onramp-URL surfacing is unit-testable. The trigger has to\n * be conservative — false positives turn legitimate errors (allowed-\n * domain blocks, suspended agents) into misleading \"fund your wallet\"\n * suggestions.\n */\n\n/**\n * Does this error message look like the agent's USDC ran out?\n *\n * The signal we trust is `PaymentRejectedError(402, \"Server returned 402\n * after payment was signed and sent. Seller response: ...\")` from\n * `payFetchDelegated`, where the seller's body contains a funds- or\n * balance-shaped token. We do not pre-flight balance on every call —\n * that would add a round-trip to the warm path. Post-hoc detection\n * only, and only when both the 402 status AND a balance keyword\n * appear in the same message.\n */\nexport function looksLikeInsufficientFunds(message: string): boolean {\n  if (!/402/.test(message)) return false;\n  return /insufficient|insufficient_funds|insufficient_balance|exceeds_balance|invalid_transfer/i.test(\n    message,\n  );\n}\n","/**\n * Tool-profile selection (docs/agent-discoverability.md, open question 2).\n *\n * Every registered tool's schema is resident in the MCP host's context on\n * every task. The common persona — \"an agent that pays URLs\" — never needs\n * the five platform (end-user) tools, so `PAYAGENT_MCP_PROFILE=core` skips\n * registering them and the host loads 8 schemas instead of 13:\n *\n *   core profile: bootstrap_agent, pay_api, check_wallet, create_agent,\n *                 fund_agent, get_balance, list_agents, rename_agent\n *   all (default): the above + create_enduser, attach_card_for_user,\n *                 set_user_limits, get_user_status, pay_merchant\n *\n * Default stays \"all\" for backward compatibility with existing host configs.\n */\nexport function platformToolsEnabled(raw = process.env.PAYAGENT_MCP_PROFILE): boolean {\n  return (raw ?? \"all\").trim().toLowerCase() !== 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+{"version":3,"sources":["../src/index.ts","../src/pay-api-helpers.ts","../src/profile.ts"],"sourcesContent":["/**\n * payagent-mcp — MCP server for ArisPay's wallet-centric model.\n *\n * Core idea: the user has a master funding account and one or more\n * sub-wallets (spending profiles). Sub-wallets do NOT hold their own\n * on-chain keys; they draw from the user's FundingAccount when making\n * payments. The AI (Claude, Cursor, etc.) is the agent that operates the\n * sub-wallet on the user's behalf.\n *\n * Default tools:\n *   - create_user({ email, name? })          — sign up + create master funding account\n *   - create_wallet({ name, perTx, daily, monthly, allowedDomains? })\n *                                            — create a sub-wallet / spending profile\n *   - list_wallets()                         — list sub-wallets\n *   - fund_wallet({ wallet, rail, amount? }) — fund the master wallet (europ via Schuman vIBAN,\n *                                              card via hosted card-setup)\n *   - get_balance({ wallet? })               — sub-wallet + master funding-account balances\n *   - pay_merchant({ wallet, merchantUrl, amount, memo, merchantId?, currency? })\n *                                            — pay from the master wallet via balance/card rail\n *\n * Advanced / x402 rail:\n *   - pay_api(url, ...)                      — pay an x402-protected HTTP resource (Base USDC)\n *   - create_agent(...)                      — provision an x402 payer with its own Base wallet\n *   - list_agents()                          — list x402 payer agents\n *   - fund_agent({ name })                   — fund an x402 agent's Base wallet\n *   - get_balance_agent({ name })            — on-chain USDC balance for an x402 agent\n *\n * Auth: developer bearer key from ~/.payagent/config.json or ARISPAY_API_KEY.\n */\nimport { McpServer } from \"@modelcontextprotocol/sdk/server/mcp.js\";\nimport { StdioServerTransport } from \"@modelcontextprotocol/sdk/server/stdio.js\";\nimport {\n  BootstrapError,\n  type DelegatedPaymentInfo,\n  DelegationClient,\n  HostedTopupNotConfiguredError,\n  type StoredAgent,\n  bootstrapAgent,\n  formatUSDC,\n  getAgent,\n  getApiKey,\n  getArispayUrl,\n  getUSDCBalance,\n  launchAgent,\n  listAgents,\n  payFetchDelegated,\n  payFetchLocal,\n  renameStoredAgent,\n  syncAgents,\n} from \"payagent\";\nimport { z } from \"zod\";\nimport { looksLikeInsufficientFunds } from \"./pay-api-helpers.js\";\nimport { platformToolsEnabled } from \"./profile.js\";\n\n// ── Configuration ─────────────────────────────────────\n\nconst arispayUrl = getArispayUrl(process.env.ARISPAY_URL);\nconst legacyAgentKey = process.env.ARISPAY_AGENT_KEY;\nconst legacyWalletAddress = process.env.PAYAGENT_WALLET;\n\n/** External id used to represent the developer user as their own EndUser/payer. */\nconst SELF_ENDUSER_EXTERNAL_ID = \"self\";\n\n/** Browser handoff host for EURØP / Schuman KYC. */\nconst buyformeUrl =\n  process.env.BUYFORME_URL?.replace(/\\/$/, \"\") ?? \"https://buyforme.arispay.app\";\n\nfunction requireDevKey(): string {\n  const key = getApiKey();\n  if (!key) {\n    throw new Error(\n      \"No ArisPay developer key found. Run `npx payagent init` or set ARISPAY_API_KEY.\",\n    );\n  }\n  return key;\n}\n\nfunction textResult(text: string, isError = false) {\n  return {\n    content: [{ type: \"text\" as const, text }],\n    ...(isError ? { isError } : {}),\n  };\n}\n\n// ── Wallet resolution ─────────────────────────────────\n\n/**\n * Resolve a locally-known sub-wallet name to its server-side wallet id.\n * Wallets are authoritative on the server; we look them up by name each time\n * so renaming on the server is always reflected immediately.\n */\nasync function resolveWallet(\n  client: DelegationClient,\n  name: string,\n): Promise<{ id: string; name: string } | undefined> {\n  const list = await client.listWallets();\n  return list.wallets.find((w) => w.name === name);\n}\n\n/**\n * Resolve the \"self\" EndUser id for the authenticated developer. This is the\n * payer record that owns the master FundingAccount.\n */\nasync function resolveSelfEndUserId(client: DelegationClient): Promise<string | undefined> {\n  try {\n    const user = await client.getEndUserByExternalId(SELF_ENDUSER_EXTERNAL_ID);\n    return user.id;\n  } catch {\n    return undefined;\n  }\n}\n\n// ── MCP Server ────────────────────────────────────────\n\nconst server = new McpServer({\n  name: \"payagent\",\n  version: \"3.0.0\",\n});\n\n// --- create_user ------------------------------------------------------------\n\nserver.tool(\n  \"create_user\",\n  \"Cold-start in one call: create an ArisPay user account plus the master funding account. Safe to re-run — it recovers the existing account instead of creating duplicates.\",\n  {\n    email: z.string().describe(\"Email for the new ArisPay account.\"),\n    name: z.string().optional().describe(\"Human name. Falls back to the email local-part.\"),\n  },\n  async ({ email, name }) => {\n    try {\n      const result = await bootstrapAgent({\n        email,\n        name,\n        arispayUrl: process.env.ARISPAY_URL,\n        clientId: \"payagent-mcp-bootstrap\",\n      });\n\n      // Ensure the developer user has a self EndUser record so the master\n      // FundingAccount can be provisioned.\n      const devKey = getApiKey();\n      if (devKey) {\n        const client = new DelegationClient(arispayUrl, devKey);\n        try {\n          await client.createEndUser({\n            externalId: SELF_ENDUSER_EXTERNAL_ID,\n            email,\n            findOrCreate: true,\n          });\n        } catch {\n          // Best-effort; the wallets route will create it on demand if needed.\n        }\n      }\n\n      const lines = [\n        `✓ Account: ${result.email}  (org \\`${result.orgName}\\`)`,\n        `✓ Master funding account ready.`,\n        \"\",\n        \"Next steps:\",\n        \"  1. create_wallet({ name: 'Daily', perTx, daily, monthly })\",\n        \"  2. fund_wallet({ wallet: 'Daily', rail: 'europ' }) for SEPA / EURØP\", \n        \"     or fund_wallet({ wallet: 'Daily', rail: 'card' }) for card top-up.\",\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      if (err instanceof BootstrapError) {\n        return textResult(`create_user failed (${err.code}): ${err.message}`, true);\n      }\n      return textResult(\n        `create_user failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- create_wallet ----------------------------------------------------------\n\nserver.tool(\n  \"create_wallet\",\n  \"Create a sub-wallet / spending profile. Sub-wallets draw from the master funding account and enforce per-transaction, daily, and monthly spend limits.\",\n  {\n    name: z.string().describe(\"Human name for this sub-wallet, e.g. 'Daily' or 'Travel'.\"),\n    perTx: z.number().int().positive().describe(\"Per-transaction spend cap in cents.\"),\n    daily: z.number().int().positive().describe(\"Daily spend cap in cents.\"),\n    monthly: z.number().int().positive().describe(\"Monthly spend cap in cents.\"),\n    allowedDomains: z\n      .array(z.string())\n      .optional()\n      .describe(\"If provided, restrict this sub-wallet to paying only these domains.\"),\n  },\n  async ({ name, perTx, daily, monthly, allowedDomains }) => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const wallet = await client.createWallet({\n        name,\n        perTx,\n        daily,\n        monthly,\n        allowedDomains,\n      });\n      const lines = [\n        `✓ Sub-wallet \\`${wallet.name}\\` created.`,\n        `  id: ${wallet.id}`,\n        `  limits: ${wallet.limits.perTx ?? \"—\"}¢ / tx, ${wallet.limits.daily ?? \"—\"}¢ / day, ${wallet.limits.monthly ?? \"—\"}¢ / month`,\n        \"\",\n        `Fund it with fund_wallet({ wallet: \"${wallet.name}\", rail: \"europ\" | \"card\" }).`,\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `create_wallet failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- list_wallets -----------------------------------------------------------\n\nserver.tool(\n  \"list_wallets\",\n  \"List all sub-wallets under this account.\",\n  {},\n  async () => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const list = await client.listWallets();\n      if (!list.wallets.length) {\n        return textResult(\n          \"No sub-wallets yet. Create one with create_wallet({ name, perTx, daily, monthly }).\",\n        );\n      }\n      const lines = list.wallets.map((w) =>\n        [\n          `\\`${w.name}\\` (${w.id})`,\n          `  status:  ${w.status}`,\n          `  limits:  ${w.limits.perTx ?? \"—\"}¢ / tx, ${w.limits.daily ?? \"—\"}¢ / day, ${w.limits.monthly ?? \"—\"}¢ / month`,\n          `  balance: ${w.balance} ${w.balanceCurrency}`,\n        ].join(\"\\n\"),\n      );\n      return textResult(lines.join(\"\\n\\n\"));\n    } catch (err) {\n      return textResult(\n        `list_wallets failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- fund_wallet ------------------------------------------------------------\n\nserver.tool(\n  \"fund_wallet\",\n  \"Add money to the master funding account so a sub-wallet can spend. rail='europ' opens the Schuman KYC / vIBAN flow in a browser; rail='card' mints a hosted card-setup URL.\",\n  {\n    wallet: z.string().describe(\"Name of a sub-wallet (used only for handoff context).\"),\n    rail: z\n      .enum([\"europ\", \"card\"])\n      .describe(\"Funding rail: 'europ' for SEPA/EURØP, 'card' for debit/credit card.\"),\n    amount: z.number().positive().optional().describe(\"Optional preset amount in dollars.\"),\n  },\n  async ({ wallet, rail, amount }) => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const resolved = await resolveWallet(client, wallet);\n      if (!resolved) {\n        return textResult(`No sub-wallet named \\`${wallet}\\`. Run list_wallets().`, true);\n      }\n\n      if (rail === \"europ\") {\n        const handoffUrl = `${buyformeUrl}/onboarding/fund-europ?agentId=${encodeURIComponent(\n          resolved.id,\n        )}`;\n        const lines = [\n          `Fund the master wallet for \\`${wallet}\\` with EURØP via Schuman:`,\n          \"\",\n          `  ${handoffUrl}`,\n          \"\",\n          \"Open that link in a browser to:\",\n          \"  1. Verify your identity with Schuman Financial (one-time KYC).\",\n          \"  2. Receive a dedicated SEPA vIBAN.\",\n          \"  3. Send EUR by bank transfer; Schuman mints EURØP once it clears.\",\n          \"\",\n          \"After the deposit clears, the master funding account is credited and this sub-wallet can spend.\",\n        ];\n        return textResult(lines.join(\"\\n\"));\n      }\n\n      // rail === 'card'\n      const endUserId = await resolveSelfEndUserId(client);\n      if (!endUserId) {\n        return textResult(\n          \"No payer record found. Run create_user first, then retry fund_wallet with rail='card'.\",\n          true,\n        );\n      }\n      const session = await client.createCardSetupSession({ endUserId });\n      const lines = [\n        `Add a card to fund the master wallet for \\`${wallet}\\`:`,\n        \"\",\n        `  ${session.setupUrl}`,\n        \"\",\n        `  Expires at: ${session.expiresAt}`,\n        \"\",\n        \"After the card is verified, you can top up. Card top-ups are not yet exposed via MCP; use the BuyForMe web app or the ArisPay dashboard for now.\",\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `fund_wallet failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- get_balance ------------------------------------------------------------\n\nserver.tool(\n  \"get_balance\",\n  \"Show the master funding-account balance(s) and a sub-wallet's spend limits. If no wallet is named, lists all sub-wallets.\",\n  {\n    wallet: z\n      .string()\n      .optional()\n      .describe(\"Optional sub-wallet name. Omit to list all sub-wallets.\"),\n  },\n  async ({ wallet }) => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n\n      if (!wallet) {\n        const list = await client.listWallets();\n        if (!list.wallets.length) {\n          return textResult(\"No sub-wallets yet. Create one with create_wallet().\");\n        }\n        const lines = list.wallets.map((w) => {\n          const lim = `limits: ${w.limits.perTx ?? \"—\"}¢ / tx, ${w.limits.daily ?? \"—\"}¢ / day, ${w.limits.monthly ?? \"—\"}¢ / month`;\n          return `\\`${w.name}\\` — ${w.balance} ${w.balanceCurrency} — ${lim}`;\n        });\n        return textResult(lines.join(\"\\n\"));\n      }\n\n      const resolved = await resolveWallet(client, wallet);\n      if (!resolved) {\n        return textResult(`No sub-wallet named \\`${wallet}\\`.`, true);\n      }\n\n      const bal = await client.getWalletBalance(resolved.id);\n      const lines = [\n        `Sub-wallet: \\`${bal.wallet.name}\\``,\n        `  status:  ${bal.wallet.status}`,\n        `  limits:  ${bal.wallet.limits.perTx ?? \"—\"}¢ / tx, ${bal.wallet.limits.daily ?? \"—\"}¢ / day, ${bal.wallet.limits.monthly ?? \"—\"}¢ / month`,\n        \"\",\n        \"Master funding accounts:\",\n      ];\n      if (!bal.fundingAccounts.length) {\n        lines.push(\"  No funded accounts yet. Use fund_wallet() to add money.\");\n      } else {\n        for (const acct of bal.fundingAccounts) {\n          lines.push(`  ${acct.currency}: ${acct.balance}¢ (${acct.provider ?? \"internal\"})`);\n        }\n      }\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `get_balance failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- pay_merchant -----------------------------------------------------------\n\nserver.tool(\n  \"pay_merchant\",\n  \"Pay a merchant from the master wallet through a sub-wallet. For balance-rail payments (from FundingAccount), merchantId is required. For card-rail payments, the user must have a verified card on file.\",\n  {\n    wallet: z.string().describe(\"Name of the sub-wallet to spend through.\"),\n    merchantUrl: z.string().describe(\"Canonical merchant URL for this payment.\"),\n    amount: z.number().int().positive().describe(\"Amount in cents.\"),\n    memo: z.string().describe(\"Human-readable memo, e.g. 'T-shirt from getwatta.com'.\"),\n    merchantId: z\n      .string()\n      .optional()\n      .describe(\"Required for balance-rail payments to a registered merchant.\"),\n    currency: z.string().optional().describe(\"Currency code. Default: USD.\"),\n    rail: z\n      .enum([\"balance\", \"card\"])\n      .optional()\n      .describe(\"Force balance or card rail. Default: server picks based on available funding.\"),\n  },\n  async ({ wallet, merchantUrl, amount, memo, merchantId, currency, rail }) => {\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const resolved = await resolveWallet(client, wallet);\n      if (!resolved) {\n        return textResult(`No sub-wallet named \\`${wallet}\\`.`, true);\n      }\n\n      const endUserId = await resolveSelfEndUserId(client);\n      if (!endUserId) {\n        return textResult(\n          \"No payer record found. Run create_user first, then retry the payment.\",\n          true,\n        );\n      }\n\n      const payment = await client.createPayment(resolved.id, {\n        userId: endUserId,\n        amount,\n        currency: currency ?? \"USD\",\n        memo,\n        merchantUrl,\n        merchantId,\n        rail,\n      });\n\n      const lines = [\n        `Payment ${payment.id}: ${payment.status}`,\n        `  rail:    ${payment.rail}`,\n        `  amount:  ${payment.amount}¢ ${payment.currency}`,\n      ];\n      if (payment.merchantName) lines.push(`  merchant: ${payment.merchantName}`);\n      if (payment.txHash) lines.push(`  tx hash:  ${payment.txHash}`);\n      if (payment.spend) {\n        const fmtCap = (v: number | null) => (v == null ? \"no cap\" : `${v}¢`);\n        lines.push(\n          `  budget:  ${fmtCap(payment.spend.remainingDaily)} left today, ${fmtCap(payment.spend.remainingMonthly)} this month`,\n        );\n      }\n      if (payment.nextAction?.challengeUrl) {\n        lines.push(`  3DS challenge URL: ${payment.nextAction.challengeUrl}`);\n      }\n      if (payment.error) {\n        lines.push(`  error:   ${payment.error.code} — ${payment.error.message}`);\n      }\n      return textResult(lines.join(\"\\n\"), payment.status === \"failed\");\n    } catch (err) {\n      return textResult(\n        `pay_merchant failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- pay_api (advanced x402) ------------------------------------------------\n\nserver.tool(\n  \"pay_api\",\n  \"Advanced: make an HTTP request to an x402-protected API, paying with USDC on Base via delegated signing. This is a separate rail from the wallet-centric balance/card flows.\",\n  {\n    url: z.string().describe(\"The full URL of the API endpoint to call.\"),\n    method: z.enum([\"GET\", \"POST\", \"PUT\", \"DELETE\", \"PATCH\"]).default(\"GET\"),\n    headers: z.record(z.string(), z.string()).optional(),\n    body: z.string().optional(),\n    agent: z.string().optional().describe(\"Optional name of a stored x402 payer agent.\"),\n  },\n  async ({ url, method, headers, body, agent }) => {\n    // Permissionless mode: a local key signs in-process — no ArisPay\n    // account, no stored agent, no server-enforced limits (mirrors the\n    // payagent CLI's PAYAGENT_PRIVATE_KEY path).\n    const localKey = process.env.PAYAGENT_PRIVATE_KEY;\n    if (localKey) {\n      try {\n        const fetch402 = payFetchLocal({ privateKey: localKey });\n        const response = await fetch402(url, { method, headers, body });\n        const responseBody = await response.text();\n        return textResult(\n          [\n            `HTTP ${response.status} (paid locally — permissionless mode, no server-enforced limits)`,\n            \"\",\n            responseBody,\n          ].join(\"\\n\"),\n        );\n      } catch (err) {\n        const message = err instanceof Error ? err.message : String(err);\n        if (looksLikeInsufficientFunds(message)) {\n          return textResult(\n            [\n              `Error: ${message}`,\n              \"\",\n              \"The local wallet is out of USDC. Fund it on Base, or unset PAYAGENT_PRIVATE_KEY to use delegated custody.\",\n            ].join(\"\\n\"),\n            true,\n          );\n        }\n        return textResult(`Error: ${message}`, true);\n      }\n    }\n\n    const stored = agent ? getAgent(agent) : listAgents()[0];\n    if (!stored?.apiKey) {\n      return textResult(\n        [\n          \"No x402 payer agent available. For wallet-centric payments use pay_merchant.\",\n          \"To create an x402 agent, use create_agent({ name, perTx, daily, monthly }).\",\n          \"Or set PAYAGENT_PRIVATE_KEY to pay with a local key (permissionless mode — no ArisPay account).\",\n        ].join(\"\\n\"),\n        true,\n      );\n    }\n    try {\n      let paymentInfo: DelegatedPaymentInfo | undefined;\n      const fetch402 = payFetchDelegated({\n        arispayUrl,\n        apiKey: stored.apiKey,\n        onPayment: (info) => {\n          paymentInfo = info;\n        },\n      });\n      const response = await fetch402(url, { method, headers, body });\n      const responseBody = await response.text();\n      const statusLine = paymentInfo\n        ? `HTTP ${response.status} (paid ${paymentInfo.amountCents}¢ via \\`${stored.name}\\` — budget left: ${paymentInfo.remainingDaily}¢ today, ${paymentInfo.remainingMonthly}¢ this month)`\n        : `HTTP ${response.status} (paid via \\`${stored.name}\\`)`;\n      return textResult([statusLine, \"\", responseBody].join(\"\\n\"));\n    } catch (err) {\n      const message = err instanceof Error ? err.message : String(err);\n      if (looksLikeInsufficientFunds(message)) {\n        return textResult(\n          [\n            `Error: ${message}`,\n            \"\",\n            \"The x402 agent wallet is out of USDC. Fund it with fund_agent({ name }) or switch to wallet-centric pay_merchant.\",\n          ].join(\"\\n\"),\n          true,\n        );\n      }\n      return textResult(`Error: ${message}`, true);\n    }\n  },\n);\n\n// --- create_agent (advanced x402) -------------------------------------------\n\nserver.tool(\n  \"create_agent\",\n  \"Advanced: provision an x402 payer agent with its own Base USDC wallet. Use create_wallet instead unless you specifically need to pay x402-protected HTTP resources.\",\n  {\n    name: z.string().describe(\"Local identifier for this x402 agent.\"),\n    perTx: z.number().int().positive().describe(\"Per-transaction spend cap in cents.\"),\n    daily: z.number().int().positive().describe(\"Daily spend cap in cents.\"),\n    monthly: z.number().int().positive().describe(\"Monthly spend cap in cents.\"),\n    allowedDomains: z.array(z.string()).optional(),\n    network: z.enum([\"base\", \"base-sepolia\", \"ethereum\", \"polygon\"]).default(\"base\"),\n    agentType: z.string().optional(),\n  },\n  async ({ name, perTx, daily, monthly, allowedDomains, network, agentType }) => {\n    try {\n      requireDevKey();\n      const agent = await launchAgent({\n        name,\n        limits: { perTx, daily, monthly },\n        allowedDomains,\n        network,\n        agentType,\n      });\n      const lines = [\n        `✓ x402 agent \\`${name}\\` created.`,\n        `  Agent ID:  ${agent.agentId}`,\n        `  Wallet:    ${agent.walletAddress}`,\n        `  Network:   ${agent.network}`,\n        `  Limits:    ${perTx}¢ / tx, ${daily}¢ / day, ${monthly}¢ / month`,\n        \"\",\n        `  Fund the wallet with USDC on ${agent.network}, then call get_balance_agent with name=\"${name}\".`,\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `create_agent failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- fund_agent (advanced x402) ---------------------------------------------\n\nserver.tool(\n  \"fund_agent\",\n  \"Advanced: get the USDC deposit address for an x402 payer agent.\",\n  {\n    name: z.string().describe(\"Name of a locally-stored x402 agent.\"),\n  },\n  async ({ name }) => {\n    const stored = getAgent(name);\n    if (!stored) return textResult(`No x402 agent named \\`${name}\\`.`, true);\n    const lines = [\n      `Fund x402 agent \\`${name}\\` by sending USDC on ${stored.network ?? \"base\"} to:`,\n      \"\",\n      `  ${stored.walletAddress}`,\n      \"\",\n      \"Only send USDC on the network shown above. Other tokens or networks may be lost.\",\n      \"Call get_balance_agent when the deposit lands.\",\n    ];\n    return textResult(lines.join(\"\\n\"));\n  },\n);\n\n// --- get_balance_agent (advanced x402) --------------------------------------\n\nserver.tool(\n  \"get_balance_agent\",\n  \"Advanced: on-chain USDC balance for an x402 payer agent.\",\n  {\n    name: z.string().describe(\"Name of a locally-stored x402 agent.\"),\n  },\n  async ({ name }) => {\n    const stored = getAgent(name);\n    if (!stored) return textResult(`No x402 agent named \\`${name}\\`.`, true);\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const balance = await client.getBalance(stored.agentId);\n      const human = formatUSDC(BigInt(balance.usdcBalance || \"0\"));\n      const lines = [\n        `${name}: ${human} USDC on ${balance.network}`,\n        balance.fundedAt ? `  First funded at: ${balance.fundedAt}` : \"  Not yet funded.\",\n        `  Wallet: ${balance.walletAddress}`,\n      ];\n      return textResult(lines.join(\"\\n\"));\n    } catch (err) {\n      return textResult(\n        `get_balance_agent failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- list_agents (advanced x402) --------------------------------------------\n\nserver.tool(\n  \"list_agents\",\n  \"Advanced: list x402 payer agents with on-chain wallets.\",\n  {\n    withBalance: z.boolean().optional().describe(\"Fetch on-chain USDC balance per agent.\"),\n  },\n  async ({ withBalance }) => {\n    const devKey = getApiKey();\n    if (!devKey) {\n      return textResult(\"No developer key found. Run create_user or npx payagent init.\");\n    }\n    try {\n      const result = await syncAgents({ includeBalance: withBalance === true });\n      if (!result.agents.length) {\n        return textResult(\"No x402 agents found. Use create_agent to provision one.\");\n      }\n      const lines = result.agents.map((a) => {\n        const balanceLine =\n          a.usdcBalance !== undefined\n            ? `  balance:   ${formatUSDC(BigInt(a.usdcBalance || \"0\"))} USDC`\n            : null;\n        return [\n          a.name,\n          `  agent id:  ${a.agentId}`,\n          `  wallet:    ${a.walletAddress}`,\n          `  network:   ${a.network}`,\n          `  limits:    ${a.limits.maxPerTx}¢ / tx, ${a.limits.maxDaily}¢ / day, ${a.limits.maxMonthly}¢ / month`,\n          ...(balanceLine ? [balanceLine] : []),\n        ].join(\"\\n\");\n      });\n      return textResult(lines.join(\"\\n\\n\"));\n    } catch (err) {\n      return textResult(\n        `list_agents failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- rename_agent (advanced x402) -------------------------------------------\n\nserver.tool(\n  \"rename_agent\",\n  \"Advanced: rename an x402 payer agent.\",\n  {\n    name: z.string().describe(\"Current local name of the x402 agent.\"),\n    newName: z.string().describe(\"New name.\"),\n  },\n  async ({ name, newName }) => {\n    if (name === newName) {\n      return textResult(`Agent \\`${name}\\` already has that name.`);\n    }\n    const stored = getAgent(name);\n    if (!stored) {\n      return textResult(`No x402 agent named \\`${name}\\`.`, true);\n    }\n    try {\n      const devKey = requireDevKey();\n      const client = new DelegationClient(arispayUrl, devKey);\n      const result = await client.renameAgent(stored.agentId, newName);\n      renameStoredAgent(name, result.name);\n      return textResult(`✓ Renamed \\`${name}\\` → \\`${result.name}\\`.`);\n    } catch (err) {\n      return textResult(\n        `rename_agent failed: ${err instanceof Error ? err.message : String(err)}`,\n        true,\n      );\n    }\n  },\n);\n\n// --- Platform (end-user) tools ----------------------------------------------\n//\n// Skipped under PAYAGENT_MCP_PROFILE=core.\nif (platformToolsEnabled()) {\n  server.tool(\n    \"create_enduser\",\n    \"Platform mode: register an end-customer under your account.\",\n    {\n      externalId: z.string().describe(\"Your own stable id for this customer.\"),\n      email: z.string().optional(),\n      findOrCreate: z.boolean().optional(),\n    },\n    async ({ externalId, email, findOrCreate }) => {\n      try {\n        const devKey = requireDevKey();\n        const client = new DelegationClient(arispayUrl, devKey);\n        const user = await client.createEndUser({ externalId, email, findOrCreate });\n        return textResult(\n          `✓ End-user \\`${externalId}\\` ready.\\n  ArisPay id: ${user.id}\\n  Has card: ${user.hasPaymentMethod ? \"yes\" : \"no\"}`,\n        );\n      } catch (err) {\n        return textResult(\n          `create_enduser failed: ${err instanceof Error ? err.message : String(err)}`,\n          true,\n        );\n      }\n    },\n  );\n\n  server.tool(\n    \"attach_card_for_user\",\n    \"Platform mode: mint a hosted card-entry URL for an end-user.\",\n    {\n      userId: z.string().describe(\"ArisPay-internal end-user id.\"),\n      agentName: z.string().optional().describe(\"Optional x402 agent name to scope the session to.\"),\n    },\n    async ({ userId, agentName }) => {\n      try {\n        const devKey = requireDevKey();\n        const client = new DelegationClient(arispayUrl, devKey);\n        const agentId = agentName ? getAgent(agentName)?.agentId : undefined;\n        const session = await client.createCardSetupSession({ endUserId: userId, agentId });\n        return textResult(\n          [`Card-entry URL:`, `  ${session.setupUrl}`, `  Expires at: ${session.expiresAt}`].join(\n            \"\\n\",\n          ),\n        );\n      } catch (err) {\n        return textResult(\n          `attach_card_for_user failed: ${err instanceof Error ? err.message : String(err)}`,\n          true,\n        );\n      }\n    },\n  );\n\n  server.tool(\n    \"set_user_limits\",\n    \"Platform mode: set per-(user, agent) spend caps.\",\n    {\n      userId: z.string(),\n      agentName: z.string(),\n      perTx: z.number().int().optional(),\n      daily: z.number().int().optional(),\n      monthly: z.number().int().optional(),\n      allowedMcc: z.array(z.string()).optional(),\n      blockedMcc: z.array(z.string()).optional(),\n    },\n    async ({ userId, agentName, perTx, daily, monthly, allowedMcc, blockedMcc }) => {\n      try {\n        const stored = getAgent(agentName);\n        if (!stored) return textResult(`No x402 agent named \\`${agentName}\\`.`, true);\n        const devKey = requireDevKey();\n        const client = new DelegationClient(arispayUrl, devKey);\n        const limit = await client.setUserLimits(userId, {\n          agentId: stored.agentId,\n          maxPerTransaction: perTx ?? null,\n          maxDaily: daily ?? null,\n          maxMonthly: monthly ?? null,\n          allowedMerchantCategories: allowedMcc,\n          blockedMerchantCategories: blockedMcc,\n        });\n        return textResult(\n          `✓ Limits set. per-tx ${limit.maxPerTransaction ?? \"inherit\"}¢, daily ${limit.maxDaily ?? \"inherit\"}¢, monthly ${limit.maxMonthly ?? \"inherit\"}¢`,\n        );\n      } catch (err) {\n        return textResult(\n          `set_user_limits failed: ${err instanceof Error ? err.message : String(err)}`,\n          true,\n        );\n      }\n    },\n  );\n\n  server.tool(\n    \"get_user_status\",\n    \"Platform mode: report an end-user's card and wallet readiness.\",\n    {\n      userId: z.string(),\n    },\n    async ({ userId }) => {\n      try {\n        const devKey = requireDevKey();\n        const client = new DelegationClient(arispayUrl, devKey);\n        const user = await client.getEndUser(userId);\n        const lines = [\n          `${user.externalId} (${user.id})`,\n          `  card:   ${user.hasPaymentMethod ? `${user.cardBrand ?? \"card\"} …${user.cardLast4 ?? \"????\"}` : \"—\"}`,\n          `  wallet: ${user.walletAddress ?? \"—\"}${user.walletChain ? ` on ${user.walletChain}` : \"\"}`,\n        ];\n        return textResult(lines.join(\"\\n\"));\n      } catch (err) {\n        return textResult(\n          `get_user_status failed: ${err instanceof Error ? err.message : String(err)}`,\n          true,\n        );\n      }\n    },\n  );\n}\n\n// --- check_wallet (legacy diagnostic) ---------------------------------------\n\nserver.tool(\n  \"check_wallet\",\n  \"Legacy diagnostic for x402 payer agents. Use get_balance for wallet-centric balances.\",\n  {\n    agent: z.string().optional().describe(\"Optional name of a locally-stored x402 agent.\"),\n  },\n  async ({ agent }) => {\n    const stored = agent ? getAgent(agent) : listAgents()[0];\n    const walletAddress = stored?.walletAddress ?? legacyWalletAddress;\n    const keyTail =\n      stored?.apiKey.slice(-4) ?? (legacyAgentKey ? legacyAgentKey.slice(-4) : undefined);\n\n    const lines = [`ArisPay URL: ${arispayUrl}`];\n    if (stored) lines.push(`Agent:       ${stored.name} (${stored.agentId})`);\n    if (keyTail) lines.push(`Agent key:   ap_…${keyTail}`);\n\n    if (walletAddress) {\n      lines.push(`Wallet:      ${walletAddress}`);\n      try {\n        const raw = await getUSDCBalance(walletAddress, (stored?.network as \"base\") ?? \"base\");\n        lines.push(`Balance:     ${formatUSDC(raw)} USDC on ${stored?.network ?? \"base\"}`);\n      } catch (err) {\n        lines.push(`Balance:     unavailable (${err instanceof Error ? err.message : String(err)})`);\n      }\n    } else {\n      lines.push(\"\", \"No wallet known.\");\n    }\n    return textResult(lines.join(\"\\n\"));\n  },\n);\n\n// ── Start ─────────────────────────────────────────────\n\nasync function main() {\n  const transport = new StdioServerTransport();\n  await server.connect(transport);\n}\n\nmain().catch((err) => {\n  console.error(\"Fatal:\", err);\n  process.exit(1);\n});\n","/**\n * Helpers for the `pay_api` MCP tool.\n *\n * Extracted into their own module so the heuristic that triggers\n * automatic Onramp-URL surfacing is unit-testable. The trigger has to\n * be conservative — false positives turn legitimate errors (allowed-\n * domain blocks, suspended agents) into misleading \"fund your wallet\"\n * suggestions.\n */\n\n/**\n * Does this error message look like the agent's USDC ran out?\n *\n * The signal we trust is `PaymentRejectedError(402, \"Server returned 402\n * after payment was signed and sent. Seller response: ...\")` from\n * `payFetchDelegated`, where the seller's body contains a funds- or\n * balance-shaped token. We do not pre-flight balance on every call —\n * that would add a round-trip to the warm path. Post-hoc detection\n * only, and only when both the 402 status AND a balance keyword\n * appear in the same message.\n */\nexport function looksLikeInsufficientFunds(message: string): boolean {\n  if (!/402/.test(message)) return false;\n  return /insufficient|insufficient_funds|insufficient_balance|exceeds_balance|invalid_transfer/i.test(\n    message,\n  );\n}\n","/**\n * Tool-profile selection (docs/agent-discoverability.md, open question 2).\n *\n * Every registered tool's schema is resident in the MCP host's context on\n * every task. The common persona — \"an agent that pays URLs\" — never needs\n * the five platform (end-user) tools, so `PAYAGENT_MCP_PROFILE=core` skips\n * registering them and the host loads 8 schemas instead of 13:\n *\n *   core profile: bootstrap_agent, pay_api, check_wallet, create_agent,\n *                 fund_agent, get_balance, list_agents, rename_agent\n *   all (default): the above + create_enduser, attach_card_for_user,\n *                 set_user_limits, get_user_status, pay_merchant\n *\n * Default stays \"all\" for backward compatibility with existing host configs.\n */\nexport function platformToolsEnabled(raw = process.env.PAYAGENT_MCP_PROFILE): boolean {\n  return (raw ?? \"all\").trim().toLowerCase() !== 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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@arispay/payagent-mcp",
-  "version": "3.0.0",
+  "version": "3.1.1",
   "description": "MCP server that gives AI agents a wallet: pay x402 APIs (USD + EUR), check balances, self-onboard with one tool call. Use with Claude, Cursor, or any MCP client — delegated custody, no private keys on the agent.",
   "type": "module",
   "bin": {
@@ -15,6 +15,12 @@
   "publishConfig": {
     "access": "public"
   },
+  "scripts": {
+    "build": "tsup",
+    "dev": "tsup --watch",
+    "type-check": "tsc --noEmit",
+    "prepublishOnly": "npm run build"
+  },
   "keywords": [
     "arispay",
     "mcp",
@@ -51,18 +57,13 @@
   "homepage": "https://github.com/arispay-inc/ArisPay/tree/master/packages/payagent-mcp#readme",
   "dependencies": {
     "@modelcontextprotocol/sdk": "^1.12.1",
-    "zod": "^3.25.0",
-    "payagent": "^2.12.2"
+    "payagent": "workspace:^",
+    "zod": "^3.25.0"
   },
   "devDependencies": {
     "@types/node": "^22.0.0",
     "tsup": "^8.0.0",
     "typescript": "^5.7.0"
   },
-  "private": false,
-  "scripts": {
-    "build": "tsup",
-    "dev": "tsup --watch",
-    "type-check": "tsc --noEmit"
-  }
-}
+  "private": false
+}