@hasna/wallets 0.1.7 → 0.1.8

package/dist/mcp/index.js

@@ -20,7 +20,7 @@ var __export = (target, all) => {
 var require_package = __commonJS((exports, module) => {
   module.exports = {
     name: "@hasna/wallets",
-    version: "0.1.6",
+    version: "0.1.7",
     description: "Universal wallet management for AI agents - CLI + MCP server with multi-provider support",
     type: "module",
     main: "dist/index.js",
@@ -35,18 +35,21 @@ var require_package = __commonJS((exports, module) => {
         import: "./dist/index.js"
       }
     },
-    files: [
-      "dist",
-      "LICENSE",
-      "README.md"
-    ],
+    files: ["dist", "LICENSE", "README.md"],
     scripts: {
       build: "bun build src/cli/index.ts --outdir dist/cli --target bun --external chalk --external commander --external @modelcontextprotocol/sdk && bun build src/mcp/index.ts --outdir dist/mcp --target bun --external @modelcontextprotocol/sdk && bun build src/index.ts --outdir dist --target bun && tsc --emitDeclarationOnly --outDir dist",
       typecheck: "tsc --noEmit",
       test: "bun test",
+      "test:coverage": "bun test --coverage",
+      dev: "bun run dev:cli",
       "dev:cli": "bun run src/cli/index.ts",
       "dev:mcp": "bun run src/mcp/index.ts",
-      postinstall: "mkdir -p $HOME/.hasna/wallets 2>/dev/null || true"
+      "dev:watch": "bun --watch run src/cli/index.ts",
+      "dev:mcp:watch": "bun --watch run src/mcp/index.ts",
+      lint: "biome check src/",
+      "lint:fix": "biome check --write .",
+      prepack: "bun run build",
+      postinstall: "mkdir -p $HOME/.hasna/wallets 2>/dev/null || true && lefthook install"
     },
     keywords: [
       "wallets",
@@ -85,10 +88,13 @@ var require_package = __commonJS((exports, module) => {
       "@modelcontextprotocol/sdk": "^1.12.1",
       chalk: "^5.4.1",
       commander: "^13.1.0",
+      jmespath: "^0.16.0",
       zod: "^3.24.2"
     },
     devDependencies: {
+      "@biomejs/biome": "^1.9.4",
       "@types/bun": "^1.2.4",
+      lefthook: "^2.1.4",
       typescript: "^5.7.3"
     }
   };
@@ -4071,6 +4077,33 @@ var coerce = {
   date: (arg) => ZodDate.create({ ...arg, coerce: true })
 };
 var NEVER = INVALID;
+// src/lib/cache.ts
+var cache = new Map;
+function cached(key, ttlMs, fn) {
+  const entry = cache.get(key);
+  if (entry && entry.expiresAt > Date.now()) {
+    return entry.value;
+  }
+  const value = fn();
+  cache.set(key, { value, expiresAt: Date.now() + ttlMs });
+  return value;
+}
+function cacheClear(prefix) {
+  if (!prefix) {
+    cache.clear();
+    return;
+  }
+  for (const key of cache.keys()) {
+    if (key.startsWith(prefix))
+      cache.delete(key);
+  }
+}
+
+// src/db/database.ts
+import { existsSync as existsSync2, mkdirSync as mkdirSync2 } from "fs";
+import { homedir as homedir3 } from "os";
+import { join as join3 } from "path";
+
 // node_modules/@hasna/cloud/dist/index.js
 import { createRequire } from "module";
 import { Database } from "bun:sqlite";
@@ -4097,10 +4130,10 @@ var __toESMCache_esm;
 var __toESM = (mod, isNodeMode, target) => {
   var canCache = mod != null && typeof mod === "object";
   if (canCache) {
-    var cache = isNodeMode ? __toESMCache_node ??= new WeakMap : __toESMCache_esm ??= new WeakMap;
-    var cached = cache.get(mod);
-    if (cached)
-      return cached;
+    var cache2 = isNodeMode ? __toESMCache_node ??= new WeakMap : __toESMCache_esm ??= new WeakMap;
+    var cached2 = cache2.get(mod);
+    if (cached2)
+      return cached2;
   }
   target = mod != null ? __create(__getProtoOf(mod)) : {};
   const to = isNodeMode || !mod || !mod.__esModule ? __defProp2(target, "default", { value: mod, enumerable: true }) : target;
@@ -4111,7 +4144,7 @@ var __toESM = (mod, isNodeMode, target) => {
         enumerable: true
       });
   if (canCache)
-    cache.set(mod, to);
+    cache2.set(mod, to);
   return to;
 };
 var __commonJS2 = (cb, mod) => () => (mod || cb((mod = { exports: {} }).exports, mod), mod.exports);
@@ -13007,9 +13040,6 @@ function ensureFeedbackTable(db) {
 }
 
 // src/db/database.ts
-import { homedir as homedir3 } from "os";
-import { join as join3 } from "path";
-import { existsSync as existsSync2, mkdirSync as mkdirSync2 } from "fs";
 var _db = null;
 var _adapter = null;
 var MIGRATIONS = [
@@ -13084,7 +13114,30 @@ var MIGRATIONS = [
   },
   {
     id: 2,
-    sql: `ALTER TABLE agents ADD COLUMN active_project_id TEXT;`
+    sql: "ALTER TABLE agents ADD COLUMN active_project_id TEXT;"
+  },
+  {
+    id: 3,
+    sql: "ALTER TABLE cards ADD COLUMN idempotency_key TEXT; CREATE UNIQUE INDEX IF NOT EXISTS idx_cards_idempotency ON cards(idempotency_key) WHERE idempotency_key IS NOT NULL;"
+  },
+  {
+    id: 4,
+    sql: `
+      CREATE TABLE IF NOT EXISTS audit_log (
+        id TEXT PRIMARY KEY,
+        action TEXT NOT NULL CHECK(action IN ('create', 'update', 'delete')),
+        entity_type TEXT NOT NULL CHECK(entity_type IN ('card', 'provider', 'transaction', 'agent')),
+        entity_id TEXT NOT NULL,
+        actor_id TEXT,
+        actor_name TEXT,
+        changes TEXT DEFAULT '{}',
+        metadata TEXT DEFAULT '{}',
+        created_at TEXT NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%fZ', 'now'))
+      );
+      CREATE INDEX IF NOT EXISTS idx_audit_entity ON audit_log(entity_type, entity_id);
+      CREATE INDEX IF NOT EXISTS idx_audit_actor ON audit_log(actor_id);
+      CREATE INDEX IF NOT EXISTS idx_audit_action ON audit_log(action);
+    `
   }
 ];
 function runMigrations(db) {
@@ -13108,10 +13161,10 @@ function runMigrations(db) {
   }
 }
 function resolveDbPath() {
-  if (process.env["HASNA_WALLETS_DB_PATH"])
-    return process.env["HASNA_WALLETS_DB_PATH"];
-  if (process.env["WALLETS_DB_PATH"])
-    return process.env["WALLETS_DB_PATH"];
+  if (process.env.HASNA_WALLETS_DB_PATH)
+    return process.env.HASNA_WALLETS_DB_PATH;
+  if (process.env.WALLETS_DB_PATH)
+    return process.env.WALLETS_DB_PATH;
   const home = homedir3();
   migrateDotfile("wallets");
   const newDir = join3(home, ".hasna", "wallets");
@@ -13148,84 +13201,66 @@ function resolvePartialId(db, table, partialId) {
   return null;
 }
 
-// src/db/providers.ts
-function rowToProvider(row) {
-  return {
-    ...row,
-    status: row.status,
-    config: JSON.parse(row.config || "{}"),
-    metadata: JSON.parse(row.metadata || "{}")
-  };
+// src/db/agents.ts
+var AGENT_LIST_TTL = 30000;
+function rowToAgent(row) {
+  return { ...row };
 }
-function createProvider(input, db) {
+function registerAgent(input, db) {
   const d = db || getDatabase();
+  const normalizedName = input.name.trim().toLowerCase();
+  const existing = getAgentByName(normalizedName, d);
+  if (existing) {
+    d.run("UPDATE agents SET last_seen_at = ? WHERE id = ?", [
+      now(),
+      existing.id
+    ]);
+    cacheClear("agents:");
+    return getAgent(existing.id, d);
+  }
   const id = shortId();
-  d.run(`INSERT INTO providers (id, name, type, config, metadata) VALUES (?, ?, ?, ?, ?)`, [
+  d.run("INSERT INTO agents (id, name, description) VALUES (?, ?, ?)", [
     id,
-    input.name,
-    input.type,
-    JSON.stringify(input.config || {}),
-    JSON.stringify(input.metadata || {})
+    normalizedName,
+    input.description ?? null
   ]);
-  return getProvider(id, d);
+  cacheClear("agents:");
+  return getAgent(id, d);
 }
-function getProvider(id, db) {
+function getAgent(id, db) {
   const d = db || getDatabase();
-  const row = d.query("SELECT * FROM providers WHERE id = ?").get(id);
-  return row ? rowToProvider(row) : null;
+  const row = d.query("SELECT * FROM agents WHERE id = ?").get(id);
+  return row ? rowToAgent(row) : null;
 }
-function getProviderByName(name, db) {
+function getAgentByName(name, db) {
   const d = db || getDatabase();
-  const row = d.query("SELECT * FROM providers WHERE name = ?").get(name);
-  return row ? rowToProvider(row) : null;
+  const normalizedName = name.trim().toLowerCase();
+  const row = d.query("SELECT * FROM agents WHERE name = ?").get(normalizedName);
+  return row ? rowToAgent(row) : null;
 }
-function listProviders(db) {
-  const d = db || getDatabase();
-  const rows = d.query("SELECT * FROM providers ORDER BY created_at DESC").all();
-  return rows.map(rowToProvider);
+function listAgents(db) {
+  return cached("agents:list", AGENT_LIST_TTL, () => {
+    const d = db || getDatabase();
+    const rows = d.query("SELECT * FROM agents ORDER BY last_seen_at DESC").all();
+    return rows.map(rowToAgent);
+  });
 }
-function updateProvider(id, input, db) {
+function heartbeatAgent(idOrName, db) {
   const d = db || getDatabase();
-  const provider = getProvider(id, d);
-  if (!provider)
-    throw new Error(`Provider not found: ${id}`);
-  const sets = [];
-  const params = [];
-  if (input.name !== undefined) {
-    sets.push("name = ?");
-    params.push(input.name);
-  }
-  if (input.config !== undefined) {
-    sets.push("config = ?");
-    params.push(JSON.stringify(input.config));
-  }
-  if (input.metadata !== undefined) {
-    sets.push("metadata = ?");
-    params.push(JSON.stringify(input.metadata));
-  }
-  if (input.status !== undefined) {
-    sets.push("status = ?");
-    params.push(input.status);
-  }
-  if (sets.length > 0) {
-    sets.push("updated_at = ?");
-    params.push(now());
-    params.push(id);
-    d.run(`UPDATE providers SET ${sets.join(", ")} WHERE id = ?`, params);
-  }
-  return getProvider(id, d);
+  const agent = getAgent(idOrName, d) ?? getAgentByName(idOrName, d);
+  if (!agent)
+    return null;
+  d.run("UPDATE agents SET last_seen_at = ? WHERE id = ?", [now(), agent.id]);
+  return getAgent(agent.id, d);
 }
-function ensureProvider(name, type, config, db) {
+function setAgentFocus(idOrName, projectId, db) {
   const d = db || getDatabase();
-  const existing = getProviderByName(name, d);
-  if (existing) {
-    if (config) {
-      return updateProvider(existing.id, { config }, d);
-    }
-    d.run("UPDATE providers SET updated_at = ? WHERE id = ?", [now(), existing.id]);
-    return getProvider(existing.id, d);
-  }
-  return createProvider({ name, type, config }, d);
+  const agent = getAgent(idOrName, d) ?? getAgentByName(idOrName, d);
+  if (!agent)
+    return null;
+  d.run("UPDATE agents SET active_project_id = ?, last_seen_at = ? WHERE id = ?", [projectId, now(), agent.id]);
+  cacheClear("agents:");
+  return getAgent(agent.id, d);
 }
 
 // src/db/cards.ts
@@ -13240,8 +13275,8 @@ function rowToCard(row) {
 function createCardRecord(input, db) {
   const d = db || getDatabase();
   const id = uuid();
-  d.run(`INSERT INTO cards (id, provider_id, external_id, name, last_four, brand, status, currency, balance, funded_amount, spending_limit, agent_id, metadata, expires_at)
-     VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`, [
+  d.run(`INSERT INTO cards (id, provider_id, external_id, name, last_four, brand, status, currency, balance, funded_amount, spending_limit, agent_id, metadata, expires_at, idempotency_key)
+     VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`, [
     id,
     input.provider_id,
     input.external_id,
@@ -13255,7 +13290,8 @@ function createCardRecord(input, db) {
     input.spending_limit ?? null,
     input.agent_id ?? null,
     JSON.stringify(input.metadata || {}),
-    input.expires_at ?? null
+    input.expires_at ?? null,
+    input.idempotency_key ?? null
   ]);
   return getCard(id, d);
 }
@@ -13264,6 +13300,11 @@ function getCard(id, db) {
   const row = d.query("SELECT * FROM cards WHERE id = ?").get(id);
   return row ? rowToCard(row) : null;
 }
+function getCardByIdempotencyKey(idempotencyKey, db) {
+  const d = db || getDatabase();
+  const row = d.query("SELECT * FROM cards WHERE idempotency_key = ?").get(idempotencyKey);
+  return row ? rowToCard(row) : null;
+}
 function listCards(filter = {}, db) {
   const d = db || getDatabase();
   const conditions = [];
@@ -13323,10 +13364,102 @@ function updateCard(id, input, db) {
 }
 function updateCardBalance(id, balance, db) {
   const d = db || getDatabase();
-  d.run("UPDATE cards SET balance = ?, updated_at = ? WHERE id = ?", [balance, now(), id]);
+  d.run("UPDATE cards SET balance = ?, updated_at = ? WHERE id = ?", [
+    balance,
+    now(),
+    id
+  ]);
   return getCard(id, d);
 }
 
+// src/db/providers.ts
+var PROVIDER_LIST_TTL = 30000;
+function rowToProvider(row) {
+  return {
+    ...row,
+    status: row.status,
+    config: JSON.parse(row.config || "{}"),
+    metadata: JSON.parse(row.metadata || "{}")
+  };
+}
+function createProvider(input, db) {
+  const d = db || getDatabase();
+  const id = shortId();
+  d.run("INSERT INTO providers (id, name, type, config, metadata) VALUES (?, ?, ?, ?, ?)", [
+    id,
+    input.name,
+    input.type,
+    JSON.stringify(input.config || {}),
+    JSON.stringify(input.metadata || {})
+  ]);
+  cacheClear("providers:");
+  return getProvider(id, d);
+}
+function getProvider(id, db) {
+  const d = db || getDatabase();
+  const row = d.query("SELECT * FROM providers WHERE id = ?").get(id);
+  return row ? rowToProvider(row) : null;
+}
+function getProviderByName(name, db) {
+  const d = db || getDatabase();
+  const row = d.query("SELECT * FROM providers WHERE name = ?").get(name);
+  return row ? rowToProvider(row) : null;
+}
+function listProviders(db) {
+  return cached("providers:list", PROVIDER_LIST_TTL, () => {
+    const d = db || getDatabase();
+    const rows = d.query("SELECT * FROM providers ORDER BY created_at DESC").all();
+    return rows.map(rowToProvider);
+  });
+}
+function updateProvider(id, input, db) {
+  const d = db || getDatabase();
+  const provider = getProvider(id, d);
+  if (!provider)
+    throw new Error(`Provider not found: ${id}`);
+  const sets = [];
+  const params = [];
+  if (input.name !== undefined) {
+    sets.push("name = ?");
+    params.push(input.name);
+  }
+  if (input.config !== undefined) {
+    sets.push("config = ?");
+    params.push(JSON.stringify(input.config));
+  }
+  if (input.metadata !== undefined) {
+    sets.push("metadata = ?");
+    params.push(JSON.stringify(input.metadata));
+  }
+  if (input.status !== undefined) {
+    sets.push("status = ?");
+    params.push(input.status);
+  }
+  if (sets.length > 0) {
+    sets.push("updated_at = ?");
+    params.push(now());
+    params.push(id);
+    d.run(`UPDATE providers SET ${sets.join(", ")} WHERE id = ?`, params);
+    cacheClear("providers:");
+  }
+  return getProvider(id, d);
+}
+function ensureProvider(name, type, config, db) {
+  const d = db || getDatabase();
+  const existing = getProviderByName(name, d);
+  if (existing) {
+    if (config) {
+      return updateProvider(existing.id, { config }, d);
+    }
+    d.run("UPDATE providers SET updated_at = ? WHERE id = ?", [
+      now(),
+      existing.id
+    ]);
+    return getProvider(existing.id, d);
+  }
+  return createProvider({ name, type, config }, d);
+}
+
 // src/db/transactions.ts
 function rowToTransaction(row) {
   return {
@@ -13364,53 +13497,688 @@ function listTransactions(filter = {}, db) {
   return rows.map(rowToTransaction);
 }
 
-// src/db/agents.ts
-function rowToAgent(row) {
-  return { ...row };
-}
-function registerAgent(input, db) {
-  const d = db || getDatabase();
-  const normalizedName = input.name.trim().toLowerCase();
-  const existing = getAgentByName(normalizedName, d);
-  if (existing) {
-    d.run("UPDATE agents SET last_seen_at = ? WHERE id = ?", [now(), existing.id]);
-    return getAgent(existing.id, d);
+// src/lib/config.ts
+import { existsSync as existsSync3, mkdirSync as mkdirSync3, readFileSync, writeFileSync } from "fs";
+import { homedir as homedir5 } from "os";
+import { join as join5 } from "path";
+
+// node_modules/chalk/source/vendor/ansi-styles/index.js
+var ANSI_BACKGROUND_OFFSET = 10;
+var wrapAnsi16 = (offset = 0) => (code) => `\x1B[${code + offset}m`;
+var wrapAnsi256 = (offset = 0) => (code) => `\x1B[${38 + offset};5;${code}m`;
+var wrapAnsi16m = (offset = 0) => (red, green, blue) => `\x1B[${38 + offset};2;${red};${green};${blue}m`;
+var styles = {
+  modifier: {
+    reset: [0, 0],
+    bold: [1, 22],
+    dim: [2, 22],
+    italic: [3, 23],
+    underline: [4, 24],
+    overline: [53, 55],
+    inverse: [7, 27],
+    hidden: [8, 28],
+    strikethrough: [9, 29]
+  },
+  color: {
+    black: [30, 39],
+    red: [31, 39],
+    green: [32, 39],
+    yellow: [33, 39],
+    blue: [34, 39],
+    magenta: [35, 39],
+    cyan: [36, 39],
+    white: [37, 39],
+    blackBright: [90, 39],
+    gray: [90, 39],
+    grey: [90, 39],
+    redBright: [91, 39],
+    greenBright: [92, 39],
+    yellowBright: [93, 39],
+    blueBright: [94, 39],
+    magentaBright: [95, 39],
+    cyanBright: [96, 39],
+    whiteBright: [97, 39]
+  },
+  bgColor: {
+    bgBlack: [40, 49],
+    bgRed: [41, 49],
+    bgGreen: [42, 49],
+    bgYellow: [43, 49],
+    bgBlue: [44, 49],
+    bgMagenta: [45, 49],
+    bgCyan: [46, 49],
+    bgWhite: [47, 49],
+    bgBlackBright: [100, 49],
+    bgGray: [100, 49],
+    bgGrey: [100, 49],
+    bgRedBright: [101, 49],
+    bgGreenBright: [102, 49],
+    bgYellowBright: [103, 49],
+    bgBlueBright: [104, 49],
+    bgMagentaBright: [105, 49],
+    bgCyanBright: [106, 49],
+    bgWhiteBright: [107, 49]
+  }
+};
+var modifierNames = Object.keys(styles.modifier);
+var foregroundColorNames = Object.keys(styles.color);
+var backgroundColorNames = Object.keys(styles.bgColor);
+var colorNames = [...foregroundColorNames, ...backgroundColorNames];
+function assembleStyles() {
+  const codes = new Map;
+  for (const [groupName, group] of Object.entries(styles)) {
+    for (const [styleName, style] of Object.entries(group)) {
+      styles[styleName] = {
+        open: `\x1B[${style[0]}m`,
+        close: `\x1B[${style[1]}m`
+      };
+      group[styleName] = styles[styleName];
+      codes.set(style[0], style[1]);
+    }
+    Object.defineProperty(styles, groupName, {
+      value: group,
+      enumerable: false
+    });
+  }
+  Object.defineProperty(styles, "codes", {
+    value: codes,
+    enumerable: false
+  });
+  styles.color.close = "\x1B[39m";
+  styles.bgColor.close = "\x1B[49m";
+  styles.color.ansi = wrapAnsi16();
+  styles.color.ansi256 = wrapAnsi256();
+  styles.color.ansi16m = wrapAnsi16m();
+  styles.bgColor.ansi = wrapAnsi16(ANSI_BACKGROUND_OFFSET);
+  styles.bgColor.ansi256 = wrapAnsi256(ANSI_BACKGROUND_OFFSET);
+  styles.bgColor.ansi16m = wrapAnsi16m(ANSI_BACKGROUND_OFFSET);
+  Object.defineProperties(styles, {
+    rgbToAnsi256: {
+      value(red, green, blue) {
+        if (red === green && green === blue) {
+          if (red < 8) {
+            return 16;
+          }
+          if (red > 248) {
+            return 231;
+          }
+          return Math.round((red - 8) / 247 * 24) + 232;
+        }
+        return 16 + 36 * Math.round(red / 255 * 5) + 6 * Math.round(green / 255 * 5) + Math.round(blue / 255 * 5);
+      },
+      enumerable: false
+    },
+    hexToRgb: {
+      value(hex) {
+        const matches = /[a-f\d]{6}|[a-f\d]{3}/i.exec(hex.toString(16));
+        if (!matches) {
+          return [0, 0, 0];
+        }
+        let [colorString] = matches;
+        if (colorString.length === 3) {
+          colorString = [...colorString].map((character) => character + character).join("");
+        }
+        const integer = Number.parseInt(colorString, 16);
+        return [
+          integer >> 16 & 255,
+          integer >> 8 & 255,
+          integer & 255
+        ];
+      },
+      enumerable: false
+    },
+    hexToAnsi256: {
+      value: (hex) => styles.rgbToAnsi256(...styles.hexToRgb(hex)),
+      enumerable: false
+    },
+    ansi256ToAnsi: {
+      value(code) {
+        if (code < 8) {
+          return 30 + code;
+        }
+        if (code < 16) {
+          return 90 + (code - 8);
+        }
+        let red;
+        let green;
+        let blue;
+        if (code >= 232) {
+          red = ((code - 232) * 10 + 8) / 255;
+          green = red;
+          blue = red;
+        } else {
+          code -= 16;
+          const remainder = code % 36;
+          red = Math.floor(code / 36) / 5;
+          green = Math.floor(remainder / 6) / 5;
+          blue = remainder % 6 / 5;
+        }
+        const value = Math.max(red, green, blue) * 2;
+        if (value === 0) {
+          return 30;
+        }
+        let result = 30 + (Math.round(blue) << 2 | Math.round(green) << 1 | Math.round(red));
+        if (value === 2) {
+          result += 60;
+        }
+        return result;
+      },
+      enumerable: false
+    },
+    rgbToAnsi: {
+      value: (red, green, blue) => styles.ansi256ToAnsi(styles.rgbToAnsi256(red, green, blue)),
+      enumerable: false
+    },
+    hexToAnsi: {
+      value: (hex) => styles.ansi256ToAnsi(styles.hexToAnsi256(hex)),
+      enumerable: false
+    }
+  });
+  return styles;
+}
+var ansiStyles = assembleStyles();
+var ansi_styles_default = ansiStyles;
+
+// node_modules/chalk/source/vendor/supports-color/index.js
+import process2 from "process";
+import os from "os";
+import tty from "tty";
+function hasFlag(flag, argv = globalThis.Deno ? globalThis.Deno.args : process2.argv) {
+  const prefix = flag.startsWith("-") ? "" : flag.length === 1 ? "-" : "--";
+  const position = argv.indexOf(prefix + flag);
+  const terminatorPosition = argv.indexOf("--");
+  return position !== -1 && (terminatorPosition === -1 || position < terminatorPosition);
+}
+var { env } = process2;
+var flagForceColor;
+if (hasFlag("no-color") || hasFlag("no-colors") || hasFlag("color=false") || hasFlag("color=never")) {
+  flagForceColor = 0;
+} else if (hasFlag("color") || hasFlag("colors") || hasFlag("color=true") || hasFlag("color=always")) {
+  flagForceColor = 1;
+}
+function envForceColor() {
+  if ("FORCE_COLOR" in env) {
+    if (env.FORCE_COLOR === "true") {
+      return 1;
+    }
+    if (env.FORCE_COLOR === "false") {
+      return 0;
+    }
+    return env.FORCE_COLOR.length === 0 ? 1 : Math.min(Number.parseInt(env.FORCE_COLOR, 10), 3);
   }
-  const id = shortId();
-  d.run("INSERT INTO agents (id, name, description) VALUES (?, ?, ?)", [id, normalizedName, input.description ?? null]);
-  return getAgent(id, d);
-}
-function getAgent(id, db) {
-  const d = db || getDatabase();
-  const row = d.query("SELECT * FROM agents WHERE id = ?").get(id);
-  return row ? rowToAgent(row) : null;
 }
-function getAgentByName(name, db) {
-  const d = db || getDatabase();
-  const normalizedName = name.trim().toLowerCase();
-  const row = d.query("SELECT * FROM agents WHERE name = ?").get(normalizedName);
-  return row ? rowToAgent(row) : null;
+function translateLevel(level) {
+  if (level === 0) {
+    return false;
+  }
+  return {
+    level,
+    hasBasic: true,
+    has256: level >= 2,
+    has16m: level >= 3
+  };
 }
-function listAgents(db) {
-  const d = db || getDatabase();
-  const rows = d.query("SELECT * FROM agents ORDER BY last_seen_at DESC").all();
-  return rows.map(rowToAgent);
+function _supportsColor(haveStream, { streamIsTTY, sniffFlags = true } = {}) {
+  const noFlagForceColor = envForceColor();
+  if (noFlagForceColor !== undefined) {
+    flagForceColor = noFlagForceColor;
+  }
+  const forceColor = sniffFlags ? flagForceColor : noFlagForceColor;
+  if (forceColor === 0) {
+    return 0;
+  }
+  if (sniffFlags) {
+    if (hasFlag("color=16m") || hasFlag("color=full") || hasFlag("color=truecolor")) {
+      return 3;
+    }
+    if (hasFlag("color=256")) {
+      return 2;
+    }
+  }
+  if ("TF_BUILD" in env && "AGENT_NAME" in env) {
+    return 1;
+  }
+  if (haveStream && !streamIsTTY && forceColor === undefined) {
+    return 0;
+  }
+  const min = forceColor || 0;
+  if (env.TERM === "dumb") {
+    return min;
+  }
+  if (process2.platform === "win32") {
+    const osRelease = os.release().split(".");
+    if (Number(osRelease[0]) >= 10 && Number(osRelease[2]) >= 10586) {
+      return Number(osRelease[2]) >= 14931 ? 3 : 2;
+    }
+    return 1;
+  }
+  if ("CI" in env) {
+    if (["GITHUB_ACTIONS", "GITEA_ACTIONS", "CIRCLECI"].some((key) => (key in env))) {
+      return 3;
+    }
+    if (["TRAVIS", "APPVEYOR", "GITLAB_CI", "BUILDKITE", "DRONE"].some((sign) => (sign in env)) || env.CI_NAME === "codeship") {
+      return 1;
+    }
+    return min;
+  }
+  if ("TEAMCITY_VERSION" in env) {
+    return /^(9\.(0*[1-9]\d*)\.|\d{2,}\.)/.test(env.TEAMCITY_VERSION) ? 1 : 0;
+  }
+  if (env.COLORTERM === "truecolor") {
+    return 3;
+  }
+  if (env.TERM === "xterm-kitty") {
+    return 3;
+  }
+  if (env.TERM === "xterm-ghostty") {
+    return 3;
+  }
+  if (env.TERM === "wezterm") {
+    return 3;
+  }
+  if ("TERM_PROGRAM" in env) {
+    const version = Number.parseInt((env.TERM_PROGRAM_VERSION || "").split(".")[0], 10);
+    switch (env.TERM_PROGRAM) {
+      case "iTerm.app": {
+        return version >= 3 ? 3 : 2;
+      }
+      case "Apple_Terminal": {
+        return 2;
+      }
+    }
+  }
+  if (/-256(color)?$/i.test(env.TERM)) {
+    return 2;
+  }
+  if (/^screen|^xterm|^vt100|^vt220|^rxvt|color|ansi|cygwin|linux/i.test(env.TERM)) {
+    return 1;
+  }
+  if ("COLORTERM" in env) {
+    return 1;
+  }
+  return min;
 }
-function heartbeatAgent(idOrName, db) {
-  const d = db || getDatabase();
-  const agent = getAgent(idOrName, d) ?? getAgentByName(idOrName, d);
-  if (!agent)
-    return null;
-  d.run("UPDATE agents SET last_seen_at = ? WHERE id = ?", [now(), agent.id]);
-  return getAgent(agent.id, d);
+function createSupportsColor(stream, options = {}) {
+  const level = _supportsColor(stream, {
+    streamIsTTY: stream && stream.isTTY,
+    ...options
+  });
+  return translateLevel(level);
 }
-function setAgentFocus(idOrName, projectId, db) {
-  const d = db || getDatabase();
-  const agent = getAgent(idOrName, d) ?? getAgentByName(idOrName, d);
-  if (!agent)
-    return null;
-  d.run("UPDATE agents SET active_project_id = ?, last_seen_at = ? WHERE id = ?", [projectId, now(), agent.id]);
-  return getAgent(agent.id, d);
+var supportsColor = {
+  stdout: createSupportsColor({ isTTY: tty.isatty(1) }),
+  stderr: createSupportsColor({ isTTY: tty.isatty(2) })
+};
+var supports_color_default = supportsColor;
+
+// node_modules/chalk/source/utilities.js
+function stringReplaceAll(string, substring, replacer) {
+  let index = string.indexOf(substring);
+  if (index === -1) {
+    return string;
+  }
+  const substringLength = substring.length;
+  let endIndex = 0;
+  let returnValue = "";
+  do {
+    returnValue += string.slice(endIndex, index) + substring + replacer;
+    endIndex = index + substringLength;
+    index = string.indexOf(substring, endIndex);
+  } while (index !== -1);
+  returnValue += string.slice(endIndex);
+  return returnValue;
+}
+function stringEncaseCRLFWithFirstIndex(string, prefix, postfix, index) {
+  let endIndex = 0;
+  let returnValue = "";
+  do {
+    const gotCR = string[index - 1] === "\r";
+    returnValue += string.slice(endIndex, gotCR ? index - 1 : index) + prefix + (gotCR ? `\r
+` : `
+`) + postfix;
+    endIndex = index + 1;
+    index = string.indexOf(`
+`, endIndex);
+  } while (index !== -1);
+  returnValue += string.slice(endIndex);
+  return returnValue;
+}
+
+// node_modules/chalk/source/index.js
+var { stdout: stdoutColor, stderr: stderrColor } = supports_color_default;
+var GENERATOR = Symbol("GENERATOR");
+var STYLER = Symbol("STYLER");
+var IS_EMPTY = Symbol("IS_EMPTY");
+var levelMapping = [
+  "ansi",
+  "ansi",
+  "ansi256",
+  "ansi16m"
+];
+var styles2 = Object.create(null);
+var applyOptions = (object, options = {}) => {
+  if (options.level && !(Number.isInteger(options.level) && options.level >= 0 && options.level <= 3)) {
+    throw new Error("The `level` option should be an integer from 0 to 3");
+  }
+  const colorLevel = stdoutColor ? stdoutColor.level : 0;
+  object.level = options.level === undefined ? colorLevel : options.level;
+};
+var chalkFactory = (options) => {
+  const chalk = (...strings) => strings.join(" ");
+  applyOptions(chalk, options);
+  Object.setPrototypeOf(chalk, createChalk.prototype);
+  return chalk;
+};
+function createChalk(options) {
+  return chalkFactory(options);
+}
+Object.setPrototypeOf(createChalk.prototype, Function.prototype);
+for (const [styleName, style] of Object.entries(ansi_styles_default)) {
+  styles2[styleName] = {
+    get() {
+      const builder = createBuilder(this, createStyler(style.open, style.close, this[STYLER]), this[IS_EMPTY]);
+      Object.defineProperty(this, styleName, { value: builder });
+      return builder;
+    }
+  };
+}
+styles2.visible = {
+  get() {
+    const builder = createBuilder(this, this[STYLER], true);
+    Object.defineProperty(this, "visible", { value: builder });
+    return builder;
+  }
+};
+var getModelAnsi = (model, level, type, ...arguments_) => {
+  if (model === "rgb") {
+    if (level === "ansi16m") {
+      return ansi_styles_default[type].ansi16m(...arguments_);
+    }
+    if (level === "ansi256") {
+      return ansi_styles_default[type].ansi256(ansi_styles_default.rgbToAnsi256(...arguments_));
+    }
+    return ansi_styles_default[type].ansi(ansi_styles_default.rgbToAnsi(...arguments_));
+  }
+  if (model === "hex") {
+    return getModelAnsi("rgb", level, type, ...ansi_styles_default.hexToRgb(...arguments_));
+  }
+  return ansi_styles_default[type][model](...arguments_);
+};
+var usedModels = ["rgb", "hex", "ansi256"];
+for (const model of usedModels) {
+  styles2[model] = {
+    get() {
+      const { level } = this;
+      return function(...arguments_) {
+        const styler = createStyler(getModelAnsi(model, levelMapping[level], "color", ...arguments_), ansi_styles_default.color.close, this[STYLER]);
+        return createBuilder(this, styler, this[IS_EMPTY]);
+      };
+    }
+  };
+  const bgModel = "bg" + model[0].toUpperCase() + model.slice(1);
+  styles2[bgModel] = {
+    get() {
+      const { level } = this;
+      return function(...arguments_) {
+        const styler = createStyler(getModelAnsi(model, levelMapping[level], "bgColor", ...arguments_), ansi_styles_default.bgColor.close, this[STYLER]);
+        return createBuilder(this, styler, this[IS_EMPTY]);
+      };
+    }
+  };
+}
+var proto = Object.defineProperties(() => {}, {
+  ...styles2,
+  level: {
+    enumerable: true,
+    get() {
+      return this[GENERATOR].level;
+    },
+    set(level) {
+      this[GENERATOR].level = level;
+    }
+  }
+});
+var createStyler = (open, close, parent) => {
+  let openAll;
+  let closeAll;
+  if (parent === undefined) {
+    openAll = open;
+    closeAll = close;
+  } else {
+    openAll = parent.openAll + open;
+    closeAll = close + parent.closeAll;
+  }
+  return {
+    open,
+    close,
+    openAll,
+    closeAll,
+    parent
+  };
+};
+var createBuilder = (self, _styler, _isEmpty) => {
+  const builder = (...arguments_) => applyStyle(builder, arguments_.length === 1 ? "" + arguments_[0] : arguments_.join(" "));
+  Object.setPrototypeOf(builder, proto);
+  builder[GENERATOR] = self;
+  builder[STYLER] = _styler;
+  builder[IS_EMPTY] = _isEmpty;
+  return builder;
+};
+var applyStyle = (self, string) => {
+  if (self.level <= 0 || !string) {
+    return self[IS_EMPTY] ? "" : string;
+  }
+  let styler = self[STYLER];
+  if (styler === undefined) {
+    return string;
+  }
+  const { openAll, closeAll } = styler;
+  if (string.includes("\x1B")) {
+    while (styler !== undefined) {
+      string = stringReplaceAll(string, styler.close, styler.open);
+      styler = styler.parent;
+    }
+  }
+  const lfIndex = string.indexOf(`
+`);
+  if (lfIndex !== -1) {
+    string = stringEncaseCRLFWithFirstIndex(string, closeAll, openAll, lfIndex);
+  }
+  return openAll + string + closeAll;
+};
+Object.defineProperties(createChalk.prototype, styles2);
+var chalk = createChalk();
+var chalkStderr = createChalk({ level: stderrColor ? stderrColor.level : 0 });
+var source_default = chalk;
+
+// src/lib/config.ts
+var WalletsConfigSchema = exports_external.object({
+  default_provider: exports_external.string().optional(),
+  default_currency: exports_external.string().optional()
+});
+var _configCache = null;
+var _configCachePath = null;
+function _invalidateCache() {
+  _configCache = null;
+  _configCachePath = null;
+}
+function _loadConfigUncached() {
+  const configPath = getConfigPath();
+  if (!existsSync3(configPath)) {
+    return {};
+  }
+  try {
+    const raw = JSON.parse(readFileSync(configPath, "utf-8"));
+    return WalletsConfigSchema.parse(raw);
+  } catch (e) {
+    if (e instanceof exports_external.ZodError) {
+      console.error(source_default.yellow(`Config validation errors: ${e.errors.map((err) => `${err.path.join(".")}: ${err.message}`).join(", ")}`));
+    }
+    return {};
+  }
+}
+function getConfigDir() {
+  if (process.env.WALLETS_CONFIG_DIR)
+    return process.env.WALLETS_CONFIG_DIR;
+  const home = homedir5();
+  const newDir = join5(home, ".hasna", "wallets");
+  const legacyDir = join5(home, ".wallets");
+  if (!existsSync3(newDir) && existsSync3(legacyDir)) {
+    return legacyDir;
+  }
+  return newDir;
+}
+function getConfigPath() {
+  return join5(getConfigDir(), "config.json");
+}
+function loadConfig() {
+  const configPath = getConfigPath();
+  if (_configCache !== null && _configCachePath === configPath) {
+    return _configCache;
+  }
+  _configCache = _loadConfigUncached();
+  _configCachePath = configPath;
+  return _configCache;
+}
+function saveConfig(config) {
+  const configDir = getConfigDir();
+  if (!existsSync3(configDir)) {
+    mkdirSync3(configDir, { recursive: true });
+  }
+  writeFileSync(join5(configDir, "config.json"), `${JSON.stringify(config, null, 2)}
+`);
+  _invalidateCache();
+}
+function getProviderConfig(providerName) {
+  const provider = getProviderByName(providerName);
+  return provider?.config;
+}
+function setProviderConfig(providerName, providerConfig) {
+  const provider = getProviderByName(providerName);
+  if (!provider)
+    return;
+  updateProvider(provider.id, { config: providerConfig });
+}
+
+// src/lib/doctor.ts
+import { existsSync as existsSync4, mkdirSync as mkdirSync4 } from "fs";
+import { join as join6 } from "path";
+function runDoctor(fix = false) {
+  const checks = [];
+  const fixed = [];
+  const configDir = getConfigDir();
+  if (!existsSync4(configDir)) {
+    if (fix) {
+      mkdirSync4(configDir, { recursive: true });
+      fixed.push(`Created config directory at ${configDir}`);
+    }
+  }
+  checks.push({
+    name: "Config directory",
+    status: existsSync4(configDir) ? "ok" : fix ? "ok" : "warn",
+    message: existsSync4(configDir) ? `Found at ${configDir}` : fix ? `Created at ${configDir}` : `Not found at ${configDir}. Run 'wallets provider add' to create it.`
+  });
+  const configPath = getConfigPath();
+  if (!existsSync4(configPath)) {
+    if (fix) {
+      saveConfig({});
+      fixed.push(`Created empty config at ${configPath}`);
+    }
+  }
+  if (existsSync4(configPath)) {
+    try {
+      const config = loadConfig();
+      checks.push({
+        name: "Config file",
+        status: "ok",
+        message: `Valid config at ${configPath}`
+      });
+      if (config.default_provider) {
+        checks.push({
+          name: "Default provider",
+          status: "ok",
+          message: `Set to '${config.default_provider}'`
+        });
+      } else {
+        checks.push({
+          name: "Default provider",
+          status: "warn",
+          message: "No default provider set. Use 'wallets provider add' to register one."
+        });
+      }
+    } catch {
+      checks.push({
+        name: "Config file",
+        status: "error",
+        message: `Invalid JSON at ${configPath}`
+      });
+    }
+  } else {
+    checks.push({
+      name: "Config file",
+      status: "warn",
+      message: `Not found at ${configPath}. Run 'wallets provider add' to create it.`
+    });
+  }
+  try {
+    const db = getDatabase();
+    const providers = listProviders(db);
+    checks.push({
+      name: "Database",
+      status: "ok",
+      message: `Connected. ${providers.length} provider(s) registered.`
+    });
+    for (const provider of providers) {
+      const hasConfig = provider.config && Object.keys(provider.config).length > 0;
+      if (provider.type === "agentcard") {
+        const hasJwt = provider.config && "jwt" in provider.config;
+        checks.push({
+          name: `Provider: ${provider.name}`,
+          status: hasJwt ? "ok" : "error",
+          message: hasJwt ? `AgentCard configured (status: ${provider.status})` : "Missing JWT token. Run 'wallets provider add agentcard' to configure."
+        });
+      } else {
+        checks.push({
+          name: `Provider: ${provider.name}`,
+          status: hasConfig ? "ok" : "warn",
+          message: `Type: ${provider.type}, Status: ${provider.status}${hasConfig ? "" : " (no config)"}`
+        });
+      }
+    }
+    if (providers.length === 0) {
+      checks.push({
+        name: "Providers",
+        status: "warn",
+        message: "No providers registered. Use 'wallets provider add' to add one."
+      });
+    }
+  } catch (e) {
+    checks.push({
+      name: "Database",
+      status: "error",
+      message: `Failed to connect: ${e instanceof Error ? e.message : String(e)}`
+    });
+  }
+  try {
+    const binPath = join6(import.meta.dir, "../../dist/mcp/index.js");
+    const srcPath = join6(import.meta.dir, "../mcp/index.ts");
+    const mcpAvailable = existsSync4(binPath) || existsSync4(srcPath);
+    checks.push({
+      name: "MCP server",
+      status: mcpAvailable ? "ok" : "warn",
+      message: mcpAvailable ? "MCP server binary available" : "MCP server not found. Run 'bun run build' to compile."
+    });
+  } catch {
+    checks.push({
+      name: "MCP server",
+      status: "warn",
+      message: "Could not check MCP server status."
+    });
+  }
+  return {
+    checks,
+    healthy: checks.every((c) => c.status !== "error")
+  };
 }
 
 // src/types/index.ts
@@ -13477,29 +14245,140 @@ class AgentNotFoundError extends Error {
   }
 }
 
-// src/providers/agentcard.ts
-class AgentCardProvider {
-  name = "agentcard";
-  type = "agentcard";
-  jwt;
-  baseUrl;
-  constructor(config) {
-    this.jwt = config.jwt;
-    this.baseUrl = config.baseUrl || "https://api.agentcard.sh";
-  }
-  async request(path, options = {}) {
-    const url = `${this.baseUrl}${path}`;
-    const res = await fetch(url, {
-      ...options,
-      headers: {
-        "Content-Type": "application/json",
-        Authorization: `Bearer ${this.jwt}`,
-        ...options.headers || {}
-      }
-    });
-    if (!res.ok) {
-      const body = await res.text();
-      throw new ProviderError("agentcard", `HTTP ${res.status}: ${body}`);
+// src/lib/format.ts
+function formatCard(card) {
+  const id = card.id.slice(0, 8);
+  const last4 = card.last_four ? `*${card.last_four}` : "----";
+  const category = card.metadata?.category ? `[${card.metadata.category}] ` : "";
+  return `${id} ${card.status.padEnd(8)} ${last4.padEnd(6)} $${card.balance.toFixed(2).padStart(10)} ${category}${card.name}`;
+}
+function formatProvider(provider) {
+  return `${provider.id.slice(0, 8)} ${provider.status.padEnd(8)} ${provider.type.padEnd(12)} ${provider.name}`;
+}
+function formatTransaction(tx) {
+  const id = tx.id.slice(0, 8);
+  const sign = tx.type === "refund" || tx.type === "load" ? "+" : "-";
+  return `${id} ${tx.type.padEnd(10)} ${tx.status.padEnd(10)} ${sign}$${tx.amount.toFixed(2).padStart(9)} ${tx.merchant || tx.description || ""}`;
+}
+function formatDoctorCheck(check) {
+  const icon = check.status === "ok" ? "[ok]" : check.status === "warn" ? "[!!]" : "[ERR]";
+  return `${icon} ${check.name}: ${check.message}`;
+}
+function formatError(error, includeStack = false) {
+  return JSON.stringify(formatErrorStructured(error, includeStack));
+}
+function formatErrorStructured(error, includeStack = false) {
+  const base = { timestamp: new Date().toISOString() };
+  if (error instanceof ProviderNotFoundError) {
+    return {
+      ...base,
+      type: "ProviderNotFoundError",
+      code: ProviderNotFoundError.code,
+      message: error.message,
+      suggestion: ProviderNotFoundError.suggestion,
+      ...includeStack && error.stack ? { stack: error.stack } : {}
+    };
+  }
+  if (error instanceof CardNotFoundError) {
+    return {
+      ...base,
+      type: "CardNotFoundError",
+      code: CardNotFoundError.code,
+      message: error.message,
+      suggestion: CardNotFoundError.suggestion,
+      ...includeStack && error.stack ? { stack: error.stack } : {}
+    };
+  }
+  if (error instanceof ProviderError) {
+    return {
+      ...base,
+      type: "ProviderError",
+      code: ProviderError.code,
+      message: error.message,
+      suggestion: ProviderError.suggestion,
+      ...includeStack && error.stack ? { stack: error.stack } : {}
+    };
+  }
+  if (error instanceof InsufficientFundsError) {
+    return {
+      ...base,
+      type: "InsufficientFundsError",
+      code: InsufficientFundsError.code,
+      message: error.message,
+      suggestion: InsufficientFundsError.suggestion,
+      ...includeStack && error.stack ? { stack: error.stack } : {}
+    };
+  }
+  if (error instanceof ConfigError) {
+    return {
+      ...base,
+      type: "ConfigError",
+      code: ConfigError.code,
+      message: error.message,
+      suggestion: ConfigError.suggestion,
+      ...includeStack && error.stack ? { stack: error.stack } : {}
+    };
+  }
+  if (error instanceof AgentNotFoundError) {
+    return {
+      ...base,
+      type: "AgentNotFoundError",
+      code: AgentNotFoundError.code,
+      message: error.message,
+      suggestion: AgentNotFoundError.suggestion,
+      ...includeStack && error.stack ? { stack: error.stack } : {}
+    };
+  }
+  if (error instanceof WalletError) {
+    return {
+      ...base,
+      type: "WalletError",
+      code: WalletError.code,
+      message: error.message,
+      suggestion: WalletError.suggestion,
+      ...includeStack && error.stack ? { stack: error.stack } : {}
+    };
+  }
+  if (error instanceof Error) {
+    return {
+      ...base,
+      type: error.name || "Error",
+      code: "UNKNOWN_ERROR",
+      message: error.message,
+      ...includeStack && error.stack ? { stack: error.stack } : {}
+    };
+  }
+  return {
+    ...base,
+    type: "Unknown",
+    code: "UNKNOWN_ERROR",
+    message: String(error)
+  };
+}
+
+// src/providers/agentcard.ts
+class AgentCardProvider {
+  name = "agentcard";
+  type = "agentcard";
+  jwt;
+  baseUrl;
+  constructor(config) {
+    this.jwt = config.jwt;
+    this.baseUrl = config.baseUrl || "https://api.agentcard.sh";
+  }
+  async request(path, options = {}) {
+    const url = `${this.baseUrl}${path}`;
+    const res = await fetch(url, {
+      ...options,
+      headers: {
+        "Content-Type": "application/json",
+        Authorization: `Bearer ${this.jwt}`,
+        ...options.headers || {}
+      }
+    });
+    if (!res.ok) {
+      const body = await res.text();
+      throw new ProviderError("agentcard", `HTTP ${res.status}: ${body}`);
     }
     return res.json();
   }
@@ -13525,7 +14404,8 @@ class AgentCardProvider {
       expires_at: null,
       created_at: new Date().toISOString(),
       updated_at: new Date().toISOString(),
-      funding_url: data.funding_url
+      funding_url: data.funding_url,
+      idempotency_key: null
     };
   }
   async listCards() {
@@ -13546,7 +14426,8 @@ class AgentCardProvider {
       metadata: {},
       expires_at: null,
       created_at: c.created_at || new Date().toISOString(),
-      updated_at: new Date().toISOString()
+      updated_at: new Date().toISOString(),
+      idempotency_key: null
     }));
   }
   async getCardDetails(externalId) {
@@ -13571,7 +14452,8 @@ class AgentCardProvider {
       pan: data.pan,
       cvv: data.cvv,
       exp_month: data.exp_month,
-      exp_year: data.exp_year
+      exp_year: data.exp_year,
+      idempotency_key: null
     };
   }
   async getBalance(externalId) {
@@ -13584,6 +14466,39 @@ class AgentCardProvider {
   async closeCard(externalId) {
     await this.request(`/cards/${externalId}/close`, { method: "POST" });
   }
+  async freezeCard(externalId) {
+    await this.request(`/cards/${externalId}/freeze`, { method: "POST" });
+  }
+  async unfreezeCard(externalId) {
+    await this.request(`/cards/${externalId}/unfreeze`, { method: "POST" });
+  }
+  async topUpCard(externalId, amount) {
+    const data = await this.request(`/cards/${externalId}/topup`, {
+      method: "POST",
+      body: JSON.stringify({ amount })
+    });
+    return {
+      balance: data.balance,
+      currency: data.currency || "USD"
+    };
+  }
+  async getTransactions(externalId) {
+    const data = await this.request(`/cards/${externalId}/transactions`);
+    return data.map((tx) => ({
+      id: tx.id,
+      card_id: "",
+      provider_id: "",
+      external_id: tx.id,
+      type: tx.type || "purchase",
+      status: tx.status || "completed",
+      amount: tx.amount,
+      currency: tx.currency || "USD",
+      merchant: tx.merchant || null,
+      description: tx.description || null,
+      metadata: {},
+      created_at: tx.created_at || new Date().toISOString()
+    }));
+  }
 }
 
 // src/providers/registry.ts
@@ -13606,574 +14521,717 @@ function createProviderInstance(type) {
 registerProviderFactory("agentcard", () => {
   throw new Error("AgentCard requires config. Use createAgentCardProvider() instead.");
 });
+var PROVIDER_INSTANCE_TTL_MS = 300000;
+var instanceCache = new Map;
+function makeInstanceCacheKey(type, config) {
+  const sorted = Object.keys(config).sort().reduce((acc, k) => {
+    acc[k] = config[k];
+    return acc;
+  }, {});
+  return `${type}:${JSON.stringify(sorted)}`;
+}
 function getProviderInstance(type, config) {
+  const key = makeInstanceCacheKey(type, config);
+  const cached2 = instanceCache.get(key);
+  if (cached2 && cached2.expiresAt > Date.now()) {
+    return cached2.instance;
+  }
+  let instance;
   switch (type) {
     case "agentcard":
-      return new AgentCardProvider({ jwt: config["jwt"], baseUrl: config["baseUrl"] });
+      instance = new AgentCardProvider({
+        jwt: config.jwt,
+        baseUrl: config.baseUrl
+      });
+      break;
     default:
-      return createProviderInstance(type);
-  }
-}
-
-// src/lib/config.ts
-import { homedir as homedir5 } from "os";
-import { join as join5 } from "path";
-import { existsSync as existsSync3, readFileSync, writeFileSync, mkdirSync as mkdirSync3 } from "fs";
-function getConfigDir() {
-  if (process.env["WALLETS_CONFIG_DIR"])
-    return process.env["WALLETS_CONFIG_DIR"];
-  const home = homedir5();
-  const newDir = join5(home, ".hasna", "wallets");
-  const legacyDir = join5(home, ".wallets");
-  if (!existsSync3(newDir) && existsSync3(legacyDir)) {
-    return legacyDir;
-  }
-  return newDir;
-}
-function getConfigPath() {
-  return join5(getConfigDir(), "config.json");
-}
-function loadConfig() {
-  const configPath = getConfigPath();
-  if (!existsSync3(configPath)) {
-    return {};
-  }
-  try {
-    return JSON.parse(readFileSync(configPath, "utf-8"));
-  } catch {
-    return {};
-  }
-}
-function saveConfig(config) {
-  const configDir = getConfigDir();
-  if (!existsSync3(configDir)) {
-    mkdirSync3(configDir, { recursive: true });
+      instance = createProviderInstance(type);
   }
-  writeFileSync(join5(configDir, "config.json"), JSON.stringify(config, null, 2) + `
-`);
-}
-function getProviderConfig(providerName) {
-  const config = loadConfig();
-  return config.providers?.[providerName];
-}
-function setProviderConfig(providerName, providerConfig) {
-  const config = loadConfig();
-  if (!config.providers)
-    config.providers = {};
-  config.providers[providerName] = providerConfig;
-  saveConfig(config);
+  instanceCache.set(key, {
+    instance,
+    expiresAt: Date.now() + PROVIDER_INSTANCE_TTL_MS
+  });
+  return instance;
+}
+
+// src/mcp/http.ts
+import { WebStandardStreamableHTTPServerTransport } from "@modelcontextprotocol/sdk/server/webStandardStreamableHttp.js";
+var DEFAULT_MCP_HTTP_PORT = 8882;
+var MCP_HTTP_HOST = "127.0.0.1";
+function isStdioMode(args) {
+  return args.includes("--stdio") || process.env.MCP_STDIO === "1";
+}
+function resolveMcpHttpPort(args) {
+  const portIdx = args.indexOf("--port");
+  if (portIdx >= 0 && args[portIdx + 1])
+    return Number(args[portIdx + 1]);
+  const envPort = process.env.MCP_HTTP_PORT;
+  if (envPort)
+    return Number(envPort);
+  return DEFAULT_MCP_HTTP_PORT;
+}
+async function handleMcpRequest(req, buildServer) {
+  const transport = new WebStandardStreamableHTTPServerTransport({ sessionIdGenerator: undefined });
+  const server = await buildServer();
+  await server.connect(transport);
+  return transport.handleRequest(req);
+}
+function startMcpHttpServer(options) {
+  const { name, port, buildServer } = options;
+  const server = Bun.serve({
+    hostname: MCP_HTTP_HOST,
+    port,
+    async fetch(req) {
+      const url = new URL(req.url);
+      if (url.pathname === "/health" && req.method === "GET")
+        return Response.json({ status: "ok", name });
+      if (url.pathname === "/mcp")
+        return handleMcpRequest(req, buildServer);
+      return new Response("Not Found", { status: 404 });
+    }
+  });
+  console.error(`${name}-mcp HTTP listening on http://${MCP_HTTP_HOST}:${port}/mcp`);
+  return server;
 }
 
-// src/lib/doctor.ts
-import { existsSync as existsSync4 } from "fs";
-import { join as join6 } from "path";
-function runDoctor() {
-  const checks = [];
-  const configDir = getConfigDir();
-  checks.push({
-    name: "Config directory",
-    status: existsSync4(configDir) ? "ok" : "warn",
-    message: existsSync4(configDir) ? `Found at ${configDir}` : `Not found at ${configDir}. Run 'wallets provider add' to create it.`
+// src/mcp/index.ts
+function buildServer() {
+  const server = new McpServer({
+    name: "wallets",
+    version: "0.1.0"
   });
-  const configPath = getConfigPath();
-  if (existsSync4(configPath)) {
+  function resolveId(partialId, table = "cards") {
+    const db = getDatabase();
+    const id = resolvePartialId(db, table, partialId);
+    if (!id)
+      throw new Error(`Could not resolve ID: ${partialId}`);
+    return id;
+  }
+  function getDefaultProvider() {
+    const config = loadConfig();
+    if (!config.default_provider)
+      return null;
+    const record = getProviderByName(config.default_provider);
+    if (!record)
+      return null;
+    return { name: config.default_provider, record };
+  }
+  server.tool("create_card", "Create a new funded virtual card", {
+    amount: exports_external.number().describe("Funding amount in dollars"),
+    name: exports_external.string().optional().describe("Card display name"),
+    provider: exports_external.string().optional().describe("Provider name (uses default if omitted)"),
+    currency: exports_external.string().optional().describe("Currency code (default: USD)"),
+    agent_id: exports_external.string().optional().describe("Agent name to assign the card to"),
+    idempotency_key: exports_external.string().optional().describe("Unique key to prevent duplicate card creation on retries")
+  }, async (params) => {
     try {
-      const config = loadConfig();
-      checks.push({
-        name: "Config file",
-        status: "ok",
-        message: `Valid config at ${configPath}`
-      });
-      if (config.default_provider) {
-        checks.push({
-          name: "Default provider",
-          status: "ok",
-          message: `Set to '${config.default_provider}'`
-        });
-      } else {
-        checks.push({
-          name: "Default provider",
-          status: "warn",
-          message: "No default provider set. Use 'wallets provider add' to register one."
-        });
+      if (params.idempotency_key) {
+        const existing = getCardByIdempotencyKey(params.idempotency_key);
+        if (existing) {
+          return {
+            content: [
+              {
+                type: "text",
+                text: `existing: ${formatCard(existing)}`
+              }
+            ]
+          };
+        }
       }
-    } catch {
-      checks.push({
-        name: "Config file",
-        status: "error",
-        message: `Invalid JSON at ${configPath}`
-      });
-    }
-  } else {
-    checks.push({
-      name: "Config file",
-      status: "warn",
-      message: `Not found at ${configPath}. Run 'wallets provider add' to create it.`
-    });
-  }
-  try {
-    const db = getDatabase();
-    const providers2 = listProviders(db);
-    checks.push({
-      name: "Database",
-      status: "ok",
-      message: `Connected. ${providers2.length} provider(s) registered.`
-    });
-    for (const provider of providers2) {
-      const hasConfig = provider.config && Object.keys(provider.config).length > 0;
-      if (provider.type === "agentcard") {
-        const hasJwt = provider.config && "jwt" in provider.config;
-        checks.push({
-          name: `Provider: ${provider.name}`,
-          status: hasJwt ? "ok" : "error",
-          message: hasJwt ? `AgentCard configured (status: ${provider.status})` : "Missing JWT token. Run 'wallets provider add agentcard' to configure."
-        });
-      } else {
-        checks.push({
-          name: `Provider: ${provider.name}`,
-          status: hasConfig ? "ok" : "warn",
-          message: `Type: ${provider.type}, Status: ${provider.status}${hasConfig ? "" : " (no config)"}`
-        });
+      const providerName = params.provider || getDefaultProvider()?.name;
+      if (!providerName) {
+        return {
+          content: [
+            {
+              type: "text",
+              text: formatError(new Error("No provider specified and no default set. Use register_provider first."))
+            }
+          ],
+          isError: true
+        };
+      }
+      const providerRecord = getProviderByName(providerName);
+      if (!providerRecord) {
+        return {
+          content: [
+            {
+              type: "text",
+              text: formatError(new Error(`Provider not found: ${providerName}`))
+            }
+          ],
+          isError: true
+        };
+      }
+      const providerConfig = {
+        ...providerRecord.config,
+        ...getProviderConfig(providerName) || {}
+      };
+      const instance = getProviderInstance(providerRecord.type, providerConfig);
+      let agentId = null;
+      if (params.agent_id) {
+        const agent = registerAgent({ name: params.agent_id });
+        agentId = agent.id;
+      }
+      const result = await instance.createCard({
+        amount: params.amount,
+        name: params.name,
+        currency: params.currency || "USD",
+        agent_id: agentId ?? undefined
+      });
+      const card = createCardRecord({
+        provider_id: providerRecord.id,
+        external_id: result.external_id || result.id,
+        name: result.name,
+        last_four: result.last_four,
+        brand: result.brand,
+        status: result.status,
+        currency: result.currency,
+        balance: result.balance,
+        funded_amount: result.funded_amount,
+        spending_limit: result.spending_limit,
+        agent_id: agentId,
+        metadata: result.funding_url ? { funding_url: result.funding_url } : {},
+        idempotency_key: params.idempotency_key ?? null
+      });
+      let text = `created: ${formatCard(card)}`;
+      if (result.funding_url) {
+        text += `
+Funding URL: ${result.funding_url}`;
       }
+      return { content: [{ type: "text", text }] };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
     }
-    if (providers2.length === 0) {
-      checks.push({
-        name: "Providers",
-        status: "warn",
-        message: "No providers registered. Use 'wallets provider add' to add one."
+  });
+  server.tool("list_cards", "List all virtual cards", {
+    status: exports_external.enum(["active", "frozen", "closed", "pending"]).optional().describe("Filter by status"),
+    provider: exports_external.string().optional().describe("Filter by provider name"),
+    agent_id: exports_external.string().optional().describe("Filter by agent")
+  }, async (params) => {
+    try {
+      let providerId;
+      if (params.provider) {
+        const p = getProviderByName(params.provider);
+        if (p)
+          providerId = p.id;
+      }
+      const cards = listCards({
+        status: params.status,
+        provider_id: providerId
       });
+      if (cards.length === 0) {
+        return {
+          content: [{ type: "text", text: "No cards found." }]
+        };
+      }
+      const lines = cards.map(formatCard);
+      return { content: [{ type: "text", text: lines.join(`
+`) }] };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
     }
-  } catch (e) {
-    checks.push({
-      name: "Database",
-      status: "error",
-      message: `Failed to connect: ${e instanceof Error ? e.message : String(e)}`
-    });
-  }
-  try {
-    const binPath = join6(import.meta.dir, "../../dist/mcp/index.js");
-    const srcPath = join6(import.meta.dir, "../mcp/index.ts");
-    const mcpAvailable = existsSync4(binPath) || existsSync4(srcPath);
-    checks.push({
-      name: "MCP server",
-      status: mcpAvailable ? "ok" : "warn",
-      message: mcpAvailable ? "MCP server binary available" : "MCP server not found. Run 'bun run build' to compile."
-    });
-  } catch {
-    checks.push({
-      name: "MCP server",
-      status: "warn",
-      message: "Could not check MCP server status."
-    });
-  }
-  return {
-    checks,
-    healthy: checks.every((c) => c.status !== "error")
-  };
-}
-
-// src/lib/format.ts
-function formatCard(card) {
-  const id = card.id.slice(0, 8);
-  const last4 = card.last_four ? `*${card.last_four}` : "----";
-  return `${id} ${card.status.padEnd(8)} ${last4.padEnd(6)} $${card.balance.toFixed(2).padStart(10)} ${card.name}`;
-}
-function formatProvider(provider) {
-  return `${provider.id.slice(0, 8)} ${provider.status.padEnd(8)} ${provider.type.padEnd(12)} ${provider.name}`;
-}
-function formatTransaction(tx) {
-  const id = tx.id.slice(0, 8);
-  const sign = tx.type === "refund" || tx.type === "load" ? "+" : "-";
-  return `${id} ${tx.type.padEnd(10)} ${tx.status.padEnd(10)} ${sign}$${tx.amount.toFixed(2).padStart(9)} ${tx.merchant || tx.description || ""}`;
-}
-function formatDoctorCheck(check) {
-  const icon = check.status === "ok" ? "[ok]" : check.status === "warn" ? "[!!]" : "[ERR]";
-  return `${icon} ${check.name}: ${check.message}`;
-}
-function formatError(error) {
-  if (error instanceof ProviderNotFoundError) {
-    return JSON.stringify({ code: ProviderNotFoundError.code, message: error.message, suggestion: ProviderNotFoundError.suggestion });
-  }
-  if (error instanceof CardNotFoundError) {
-    return JSON.stringify({ code: CardNotFoundError.code, message: error.message, suggestion: CardNotFoundError.suggestion });
-  }
-  if (error instanceof ProviderError) {
-    return JSON.stringify({ code: ProviderError.code, message: error.message, suggestion: ProviderError.suggestion });
-  }
-  if (error instanceof InsufficientFundsError) {
-    return JSON.stringify({ code: InsufficientFundsError.code, message: error.message, suggestion: InsufficientFundsError.suggestion });
-  }
-  if (error instanceof ConfigError) {
-    return JSON.stringify({ code: ConfigError.code, message: error.message, suggestion: ConfigError.suggestion });
-  }
-  if (error instanceof AgentNotFoundError) {
-    return JSON.stringify({ code: AgentNotFoundError.code, message: error.message, suggestion: AgentNotFoundError.suggestion });
-  }
-  if (error instanceof WalletError) {
-    return JSON.stringify({ code: WalletError.code, message: error.message, suggestion: WalletError.suggestion });
-  }
-  if (error instanceof Error) {
-    return JSON.stringify({ code: "UNKNOWN_ERROR", message: error.message });
-  }
-  return JSON.stringify({ code: "UNKNOWN_ERROR", message: String(error) });
-}
-
-// src/mcp/index.ts
-var server = new McpServer({
-  name: "wallets",
-  version: "0.1.0"
-});
-function resolveId(partialId, table = "cards") {
-  const db = getDatabase();
-  const id = resolvePartialId(db, table, partialId);
-  if (!id)
-    throw new Error(`Could not resolve ID: ${partialId}`);
-  return id;
-}
-function getDefaultProvider() {
-  const config = loadConfig();
-  if (!config.default_provider)
-    return null;
-  const record = getProviderByName(config.default_provider);
-  if (!record)
-    return null;
-  return { name: config.default_provider, record };
-}
-server.tool("create_card", "Create a new funded virtual card", {
-  amount: exports_external.number().describe("Funding amount in dollars"),
-  name: exports_external.string().optional().describe("Card display name"),
-  provider: exports_external.string().optional().describe("Provider name (uses default if omitted)"),
-  currency: exports_external.string().optional().describe("Currency code (default: USD)"),
-  agent_id: exports_external.string().optional().describe("Agent name to assign the card to")
-}, async (params) => {
-  try {
-    const providerName = params.provider || getDefaultProvider()?.name;
-    if (!providerName) {
-      return { content: [{ type: "text", text: formatError(new Error("No provider specified and no default set. Use register_provider first.")) }], isError: true };
-    }
-    const providerRecord = getProviderByName(providerName);
-    if (!providerRecord) {
-      return { content: [{ type: "text", text: formatError(new Error(`Provider not found: ${providerName}`)) }], isError: true };
-    }
-    const providerConfig = { ...providerRecord.config, ...getProviderConfig(providerName) || {} };
-    const instance = getProviderInstance(providerRecord.type, providerConfig);
-    let agentId = null;
-    if (params.agent_id) {
-      const agent = registerAgent({ name: params.agent_id });
-      agentId = agent.id;
-    }
-    const result = await instance.createCard({
-      amount: params.amount,
-      name: params.name,
-      currency: params.currency || "USD",
-      agent_id: agentId ?? undefined
-    });
-    const card = createCardRecord({
-      provider_id: providerRecord.id,
-      external_id: result.external_id || result.id,
-      name: result.name,
-      last_four: result.last_four,
-      brand: result.brand,
-      status: result.status,
-      currency: result.currency,
-      balance: result.balance,
-      funded_amount: result.funded_amount,
-      spending_limit: result.spending_limit,
-      agent_id: agentId,
-      metadata: result.funding_url ? { funding_url: result.funding_url } : {}
-    });
-    let text = `created: ${formatCard(card)}`;
-    if (result.funding_url) {
-      text += `
-Funding URL: ${result.funding_url}`;
+  });
+  server.tool("get_card_details", "Get full card details (PAN, CVV, expiry)", {
+    card_id: exports_external.string().describe("Card ID (supports partial matching)")
+  }, async (params) => {
+    try {
+      const cardId = resolveId(params.card_id, "cards");
+      const card = getCard(cardId);
+      if (!card)
+        throw new Error(`Card not found: ${params.card_id}`);
+      const provider = getProvider(card.provider_id);
+      if (!provider)
+        throw new Error("Provider not found for card");
+      const providerConfig = {
+        ...provider.config,
+        ...getProviderConfig(provider.name) || {}
+      };
+      const instance = getProviderInstance(provider.type, providerConfig);
+      const details = await instance.getCardDetails(card.external_id);
+      return {
+        content: [
+          {
+            type: "text",
+            text: [
+              `ID: ${card.id}`,
+              `Name: ${card.name}`,
+              `PAN: ${details.pan}`,
+              `CVV: ${details.cvv}`,
+              `Exp: ${details.exp_month}/${details.exp_year}`,
+              `Status: ${card.status}`,
+              `Balance: $${details.balance.toFixed(2)}`
+            ].join(`
+`)
+          }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
     }
-    return { content: [{ type: "text", text }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("list_cards", "List all virtual cards", {
-  status: exports_external.enum(["active", "frozen", "closed", "pending"]).optional().describe("Filter by status"),
-  provider: exports_external.string().optional().describe("Filter by provider name"),
-  agent_id: exports_external.string().optional().describe("Filter by agent")
-}, async (params) => {
-  try {
-    let providerId;
-    if (params.provider) {
-      const p = getProviderByName(params.provider);
-      if (p)
-        providerId = p.id;
+  });
+  server.tool("get_balance", "Check card balance", {
+    card_id: exports_external.string().describe("Card ID")
+  }, async (params) => {
+    try {
+      const cardId = resolveId(params.card_id, "cards");
+      const card = getCard(cardId);
+      if (!card)
+        throw new Error(`Card not found: ${params.card_id}`);
+      const provider = getProvider(card.provider_id);
+      if (!provider)
+        throw new Error("Provider not found for card");
+      const providerConfig = {
+        ...provider.config,
+        ...getProviderConfig(provider.name) || {}
+      };
+      const instance = getProviderInstance(provider.type, providerConfig);
+      const { balance, currency } = await instance.getBalance(card.external_id);
+      updateCardBalance(cardId, balance);
+      return {
+        content: [
+          {
+            type: "text",
+            text: `${card.name}: $${balance.toFixed(2)} ${currency}`
+          }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
     }
-    const cards = listCards({
-      status: params.status,
-      provider_id: providerId
-    });
-    if (cards.length === 0) {
-      return { content: [{ type: "text", text: "No cards found." }] };
+  });
+  server.tool("close_card", "Close a card permanently", {
+    card_id: exports_external.string().describe("Card ID")
+  }, async (params) => {
+    try {
+      const cardId = resolveId(params.card_id, "cards");
+      const card = getCard(cardId);
+      if (!card)
+        throw new Error(`Card not found: ${params.card_id}`);
+      const provider = getProvider(card.provider_id);
+      if (!provider)
+        throw new Error("Provider not found for card");
+      const providerConfig = {
+        ...provider.config,
+        ...getProviderConfig(provider.name) || {}
+      };
+      const instance = getProviderInstance(provider.type, providerConfig);
+      await instance.closeCard(card.external_id);
+      updateCard(cardId, { status: "closed" });
+      return {
+        content: [
+          {
+            type: "text",
+            text: `Card closed: ${card.id.slice(0, 8)} ${card.name}`
+          }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
+    }
+  });
+  server.tool("freeze_card", "Freeze a card temporarily", {
+    card_id: exports_external.string().describe("Card ID")
+  }, async (params) => {
+    try {
+      const cardId = resolveId(params.card_id, "cards");
+      const card = getCard(cardId);
+      if (!card)
+        throw new Error(`Card not found: ${params.card_id}`);
+      if (card.status !== "active")
+        throw new Error(`Card is not active: ${card.status}`);
+      const provider = getProvider(card.provider_id);
+      if (!provider)
+        throw new Error("Provider not found for card");
+      const providerConfig = {
+        ...provider.config,
+        ...getProviderConfig(provider.name) || {}
+      };
+      const instance = getProviderInstance(provider.type, providerConfig);
+      if (instance.freezeCard) {
+        await instance.freezeCard(card.external_id);
+      }
+      updateCard(cardId, { status: "frozen" });
+      return {
+        content: [
+          {
+            type: "text",
+            text: `Card frozen: ${card.id.slice(0, 8)} ${card.name}`
+          }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
+    }
+  });
+  server.tool("unfreeze_card", "Unfreeze a frozen card", {
+    card_id: exports_external.string().describe("Card ID")
+  }, async (params) => {
+    try {
+      const cardId = resolveId(params.card_id, "cards");
+      const card = getCard(cardId);
+      if (!card)
+        throw new Error(`Card not found: ${params.card_id}`);
+      if (card.status !== "frozen")
+        throw new Error(`Card is not frozen: ${card.status}`);
+      const provider = getProvider(card.provider_id);
+      if (!provider)
+        throw new Error("Provider not found for card");
+      const providerConfig = {
+        ...provider.config,
+        ...getProviderConfig(provider.name) || {}
+      };
+      const instance = getProviderInstance(provider.type, providerConfig);
+      if (instance.unfreezeCard) {
+        await instance.unfreezeCard(card.external_id);
+      }
+      updateCard(cardId, { status: "active" });
+      return {
+        content: [
+          {
+            type: "text",
+            text: `Card unfrozen: ${card.id.slice(0, 8)} ${card.name}`
+          }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
+    }
+  });
+  server.tool("list_providers", "List registered wallet providers", {}, async () => {
+    try {
+      const providers2 = listProviders();
+      if (providers2.length === 0) {
+        return {
+          content: [
+            {
+              type: "text",
+              text: "No providers registered. Use register_provider to add one."
+            }
+          ]
+        };
+      }
+      const lines = providers2.map(formatProvider);
+      return { content: [{ type: "text", text: lines.join(`
+`) }] };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
+    }
+  });
+  server.tool("register_provider", "Register a wallet provider", {
+    type: exports_external.string().describe("Provider type (e.g., agentcard)"),
+    name: exports_external.string().optional().describe("Display name"),
+    jwt: exports_external.string().optional().describe("JWT/API token"),
+    api_key: exports_external.string().optional().describe("API key"),
+    base_url: exports_external.string().optional().describe("Custom API base URL"),
+    set_default: exports_external.boolean().optional().describe("Set as default provider")
+  }, async (params) => {
+    try {
+      const name = params.name || params.type;
+      const config = {};
+      if (params.jwt)
+        config.jwt = params.jwt;
+      if (params.api_key)
+        config.api_key = params.api_key;
+      if (params.base_url)
+        config.baseUrl = params.base_url;
+      const provider = ensureProvider(name, params.type, config);
+      setProviderConfig(name, config);
+      if (params.set_default) {
+        const cfg = loadConfig();
+        cfg.default_provider = name;
+        saveConfig(cfg);
+      }
+      return {
+        content: [
+          {
+            type: "text",
+            text: `registered: ${formatProvider(provider)}`
+          }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
+    }
+  });
+  server.tool("list_transactions", "List card transactions", {
+    card_id: exports_external.string().optional().describe("Card ID to filter"),
+    limit: exports_external.number().optional().describe("Max results (default: 20)"),
+    offset: exports_external.number().optional().describe("Offset for pagination (default: 0)")
+  }, async (params) => {
+    try {
+      let cardId;
+      if (params.card_id) {
+        cardId = resolveId(params.card_id, "cards");
+      }
+      const txns = listTransactions({
+        card_id: cardId,
+        limit: params.limit || 20,
+        offset: params.offset || 0
+      });
+      if (txns.length === 0) {
+        return {
+          content: [{ type: "text", text: "No transactions found." }]
+        };
+      }
+      const lines = txns.map(formatTransaction);
+      return { content: [{ type: "text", text: lines.join(`
+`) }] };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
+    }
+  });
+  server.tool("doctor", "Run wallet diagnostics", {}, async () => {
+    try {
+      const result = runDoctor();
+      const lines = result.checks.map(formatDoctorCheck);
+      lines.push("");
+      lines.push(result.healthy ? "All checks passed." : "Some checks failed.");
+      return { content: [{ type: "text", text: lines.join(`
+`) }] };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
+    }
+  });
+  server.tool("describe_tools", "Get full schema for wallet tools", {
+    name: exports_external.string().optional().describe("Tool name to describe (omit for all)")
+  }, async (params) => {
+    const tools = {
+      create_card: "Create a funded virtual card. Params: amount (required, number), name (string), provider (string), currency (string, default USD), agent_id (string).",
+      list_cards: "List cards. Params: status (active|frozen|closed|pending), provider (string), agent_id (string).",
+      get_card_details: "Get PAN, CVV, expiry. Params: card_id (required, string).",
+      get_balance: "Check balance. Params: card_id (required, string).",
+      close_card: "Close permanently. Params: card_id (required, string).",
+      list_providers: "List all providers. No params.",
+      register_provider: "Register provider. Params: type (required), name, jwt, api_key, base_url, set_default.",
+      list_transactions: "List transactions. Params: card_id, limit.",
+      doctor: "Run diagnostics. No params.",
+      register_agent: "Register agent session (idempotent). Params: name, description?",
+      list_agents: "List all registered agents.",
+      heartbeat: "Update last_seen_at to signal agent is active. Params: agent_id",
+      set_focus: "Set active project context. Params: agent_id, project_id?"
+    };
+    if (params.name) {
+      const desc = tools[params.name];
+      if (!desc)
+        return {
+          content: [
+            { type: "text", text: `Unknown tool: ${params.name}` }
+          ]
+        };
+      return {
+        content: [{ type: "text", text: `${params.name}: ${desc}` }]
+      };
     }
-    const lines = cards.map(formatCard);
+    const lines = Object.entries(tools).map(([k, v]) => `${k}: ${v}`);
     return { content: [{ type: "text", text: lines.join(`
 `) }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("get_card_details", "Get full card details (PAN, CVV, expiry)", {
-  card_id: exports_external.string().describe("Card ID (supports partial matching)")
-}, async (params) => {
-  try {
-    const cardId = resolveId(params.card_id, "cards");
-    const card = getCard(cardId);
-    if (!card)
-      throw new Error(`Card not found: ${params.card_id}`);
-    const provider = getProvider(card.provider_id);
-    if (!provider)
-      throw new Error("Provider not found for card");
-    const providerConfig = { ...provider.config, ...getProviderConfig(provider.name) || {} };
-    const instance = getProviderInstance(provider.type, providerConfig);
-    const details = await instance.getCardDetails(card.external_id);
+  });
+  server.resource("wallets://cards", "wallets://cards", async () => {
+    const cards = listCards();
     return {
-      content: [{
-        type: "text",
-        text: [
-          `ID: ${card.id}`,
-          `Name: ${card.name}`,
-          `PAN: ${details.pan}`,
-          `CVV: ${details.cvv}`,
-          `Exp: ${details.exp_month}/${details.exp_year}`,
-          `Status: ${card.status}`,
-          `Balance: $${details.balance.toFixed(2)}`
-        ].join(`
-`)
-      }]
+      contents: [
+        {
+          uri: "wallets://cards",
+          text: JSON.stringify(cards, null, 2),
+          mimeType: "application/json"
+        }
+      ]
     };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("get_balance", "Check card balance", {
-  card_id: exports_external.string().describe("Card ID")
-}, async (params) => {
-  try {
-    const cardId = resolveId(params.card_id, "cards");
-    const card = getCard(cardId);
-    if (!card)
-      throw new Error(`Card not found: ${params.card_id}`);
-    const provider = getProvider(card.provider_id);
-    if (!provider)
-      throw new Error("Provider not found for card");
-    const providerConfig = { ...provider.config, ...getProviderConfig(provider.name) || {} };
-    const instance = getProviderInstance(provider.type, providerConfig);
-    const { balance, currency } = await instance.getBalance(card.external_id);
-    updateCardBalance(cardId, balance);
+  });
+  server.resource("wallets://providers", "wallets://providers", async () => {
+    const providers2 = listProviders();
     return {
-      content: [{
-        type: "text",
-        text: `${card.name}: $${balance.toFixed(2)} ${currency}`
-      }]
+      contents: [
+        {
+          uri: "wallets://providers",
+          text: JSON.stringify(providers2, null, 2),
+          mimeType: "application/json"
+        }
+      ]
     };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("close_card", "Close a card permanently", {
-  card_id: exports_external.string().describe("Card ID")
-}, async (params) => {
-  try {
-    const cardId = resolveId(params.card_id, "cards");
-    const card = getCard(cardId);
-    if (!card)
-      throw new Error(`Card not found: ${params.card_id}`);
-    const provider = getProvider(card.provider_id);
-    if (!provider)
-      throw new Error("Provider not found for card");
-    const providerConfig = { ...provider.config, ...getProviderConfig(provider.name) || {} };
-    const instance = getProviderInstance(provider.type, providerConfig);
-    await instance.closeCard(card.external_id);
-    updateCard(cardId, { status: "closed" });
-    return { content: [{ type: "text", text: `Card closed: ${card.id.slice(0, 8)} ${card.name}` }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("list_providers", "List registered wallet providers", {}, async () => {
-  try {
-    const providers2 = listProviders();
-    if (providers2.length === 0) {
-      return { content: [{ type: "text", text: "No providers registered. Use register_provider to add one." }] };
+  });
+  server.resource("wallets://agents", "wallets://agents", async () => {
+    const agents = listAgents();
+    return {
+      contents: [
+        {
+          uri: "wallets://agents",
+          text: JSON.stringify(agents, null, 2),
+          mimeType: "application/json"
+        }
+      ]
+    };
+  });
+  server.tool("register_agent", "Register an agent session (idempotent). Auto-updates last_seen_at on re-register.", {
+    name: exports_external.string().describe("Agent name"),
+    description: exports_external.string().optional().describe("Agent description")
+  }, async (params) => {
+    try {
+      const agent = registerAgent({
+        name: params.name,
+        description: params.description
+      });
+      return {
+        content: [
+          { type: "text", text: JSON.stringify(agent, null, 2) }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
     }
-    const lines = providers2.map(formatProvider);
-    return { content: [{ type: "text", text: lines.join(`
-`) }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("register_provider", "Register a wallet provider", {
-  type: exports_external.string().describe("Provider type (e.g., agentcard)"),
-  name: exports_external.string().optional().describe("Display name"),
-  jwt: exports_external.string().optional().describe("JWT/API token"),
-  api_key: exports_external.string().optional().describe("API key"),
-  base_url: exports_external.string().optional().describe("Custom API base URL"),
-  set_default: exports_external.boolean().optional().describe("Set as default provider")
-}, async (params) => {
-  try {
-    const name = params.name || params.type;
-    const config = {};
-    if (params.jwt)
-      config["jwt"] = params.jwt;
-    if (params.api_key)
-      config["api_key"] = params.api_key;
-    if (params.base_url)
-      config["baseUrl"] = params.base_url;
-    const provider = ensureProvider(name, params.type, config);
-    setProviderConfig(name, config);
-    if (params.set_default) {
-      const cfg = loadConfig();
-      cfg.default_provider = name;
-      saveConfig(cfg);
-    }
-    return { content: [{ type: "text", text: `registered: ${formatProvider(provider)}` }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("list_transactions", "List card transactions", {
-  card_id: exports_external.string().optional().describe("Card ID to filter"),
-  limit: exports_external.number().optional().describe("Max results (default: 20)")
-}, async (params) => {
-  try {
-    let cardId;
-    if (params.card_id) {
-      cardId = resolveId(params.card_id, "cards");
+  });
+  server.tool("list_agents", "List all registered agents.", {}, async () => {
+    try {
+      const agents = listAgents();
+      return {
+        content: [
+          { type: "text", text: JSON.stringify(agents, null, 2) }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
     }
-    const txns = listTransactions({
-      card_id: cardId,
-      limit: params.limit || 20
-    });
-    if (txns.length === 0) {
-      return { content: [{ type: "text", text: "No transactions found." }] };
+  });
+  server.tool("heartbeat", "Update last_seen_at to signal agent is active. Call periodically during long tasks.", { agent_id: exports_external.string().describe("Agent ID or name") }, async (params) => {
+    try {
+      const agent = heartbeatAgent(params.agent_id);
+      if (!agent)
+        return {
+          content: [
+            {
+              type: "text",
+              text: `Agent not found: ${params.agent_id}`
+            }
+          ],
+          isError: true
+        };
+      return {
+        content: [
+          { type: "text", text: JSON.stringify(agent, null, 2) }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
     }
-    const lines = txns.map(formatTransaction);
-    return { content: [{ type: "text", text: lines.join(`
-`) }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("doctor", "Run wallet diagnostics", {}, async () => {
-  try {
-    const result = runDoctor();
-    const lines = result.checks.map(formatDoctorCheck);
-    lines.push("");
-    lines.push(result.healthy ? "All checks passed." : "Some checks failed.");
-    return { content: [{ type: "text", text: lines.join(`
-`) }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("describe_tools", "Get full schema for wallet tools", {
-  name: exports_external.string().optional().describe("Tool name to describe (omit for all)")
-}, async (params) => {
-  const tools = {
-    create_card: "Create a funded virtual card. Params: amount (required, number), name (string), provider (string), currency (string, default USD), agent_id (string).",
-    list_cards: "List cards. Params: status (active|frozen|closed|pending), provider (string), agent_id (string).",
-    get_card_details: "Get PAN, CVV, expiry. Params: card_id (required, string).",
-    get_balance: "Check balance. Params: card_id (required, string).",
-    close_card: "Close permanently. Params: card_id (required, string).",
-    list_providers: "List all providers. No params.",
-    register_provider: "Register provider. Params: type (required), name, jwt, api_key, base_url, set_default.",
-    list_transactions: "List transactions. Params: card_id, limit.",
-    doctor: "Run diagnostics. No params.",
-    register_agent: "Register agent session (idempotent). Params: name, description?",
-    list_agents: "List all registered agents.",
-    heartbeat: "Update last_seen_at to signal agent is active. Params: agent_id",
-    set_focus: "Set active project context. Params: agent_id, project_id?"
-  };
-  if (params.name) {
-    const desc = tools[params.name];
-    if (!desc)
-      return { content: [{ type: "text", text: `Unknown tool: ${params.name}` }] };
-    return { content: [{ type: "text", text: `${params.name}: ${desc}` }] };
-  }
-  const lines = Object.entries(tools).map(([k, v]) => `${k}: ${v}`);
-  return { content: [{ type: "text", text: lines.join(`
-`) }] };
-});
-server.resource("wallets://cards", "wallets://cards", async () => {
-  const cards = listCards();
-  return { contents: [{ uri: "wallets://cards", text: JSON.stringify(cards, null, 2), mimeType: "application/json" }] };
-});
-server.resource("wallets://providers", "wallets://providers", async () => {
-  const providers2 = listProviders();
-  return { contents: [{ uri: "wallets://providers", text: JSON.stringify(providers2, null, 2), mimeType: "application/json" }] };
-});
-server.resource("wallets://agents", "wallets://agents", async () => {
-  const agents = listAgents();
-  return { contents: [{ uri: "wallets://agents", text: JSON.stringify(agents, null, 2), mimeType: "application/json" }] };
-});
-server.tool("register_agent", "Register an agent session (idempotent). Auto-updates last_seen_at on re-register.", {
-  name: exports_external.string().describe("Agent name"),
-  description: exports_external.string().optional().describe("Agent description")
-}, async (params) => {
-  try {
-    const agent = registerAgent({ name: params.name, description: params.description });
-    return { content: [{ type: "text", text: JSON.stringify(agent, null, 2) }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("list_agents", "List all registered agents.", {}, async () => {
-  try {
-    const agents = listAgents();
-    return { content: [{ type: "text", text: JSON.stringify(agents, null, 2) }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("heartbeat", "Update last_seen_at to signal agent is active. Call periodically during long tasks.", { agent_id: exports_external.string().describe("Agent ID or name") }, async (params) => {
-  try {
-    const agent = heartbeatAgent(params.agent_id);
-    if (!agent)
-      return { content: [{ type: "text", text: `Agent not found: ${params.agent_id}` }], isError: true };
-    return { content: [{ type: "text", text: JSON.stringify(agent, null, 2) }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("set_focus", "Set active project context for this agent session.", {
-  agent_id: exports_external.string().describe("Agent ID or name"),
-  project_id: exports_external.string().nullable().optional().describe("Project ID to focus on, or null to clear")
-}, async (params) => {
-  try {
-    const agent = setAgentFocus(params.agent_id, params.project_id ?? null);
-    if (!agent)
-      return { content: [{ type: "text", text: `Agent not found: ${params.agent_id}` }], isError: true };
-    return { content: [{ type: "text", text: params.project_id ? `Focus: ${params.project_id}` : "Focus cleared" }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
-server.tool("send_feedback", "Send feedback about this service", {
-  message: exports_external.string().describe("Feedback message"),
-  email: exports_external.string().optional().describe("Contact email (optional)"),
-  category: exports_external.enum(["bug", "feature", "general"]).optional().describe("Feedback category")
-}, async (params) => {
-  try {
-    const db = getDatabase();
-    const pkg = require_package();
-    db.run("INSERT INTO feedback (message, email, category, version) VALUES (?, ?, ?, ?)", [params.message, params.email || null, params.category || "general", pkg.version]);
-    return { content: [{ type: "text", text: "Feedback saved. Thank you!" }] };
-  } catch (e) {
-    return { content: [{ type: "text", text: formatError(e) }], isError: true };
-  }
-});
+  });
+  server.tool("set_focus", "Set active project context for this agent session.", {
+    agent_id: exports_external.string().describe("Agent ID or name"),
+    project_id: exports_external.string().nullable().optional().describe("Project ID to focus on, or null to clear")
+  }, async (params) => {
+    try {
+      const agent = setAgentFocus(params.agent_id, params.project_id ?? null);
+      if (!agent)
+        return {
+          content: [
+            {
+              type: "text",
+              text: `Agent not found: ${params.agent_id}`
+            }
+          ],
+          isError: true
+        };
+      return {
+        content: [
+          {
+            type: "text",
+            text: params.project_id ? `Focus: ${params.project_id}` : "Focus cleared"
+          }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
+    }
+  });
+  server.tool("send_feedback", "Send feedback about this service", {
+    message: exports_external.string().describe("Feedback message"),
+    email: exports_external.string().optional().describe("Contact email (optional)"),
+    category: exports_external.enum(["bug", "feature", "general"]).optional().describe("Feedback category")
+  }, async (params) => {
+    try {
+      const db = getDatabase();
+      const pkg = require_package();
+      db.run("INSERT INTO feedback (message, email, category, version) VALUES (?, ?, ?, ?)", [
+        params.message,
+        params.email || null,
+        params.category || "general",
+        pkg.version
+      ]);
+      return {
+        content: [
+          { type: "text", text: "Feedback saved. Thank you!" }
+        ]
+      };
+    } catch (e) {
+      return {
+        content: [{ type: "text", text: formatError(e) }],
+        isError: true
+      };
+    }
+  });
+  return server;
+}
 async function main() {
-  const transport = new StdioServerTransport;
-  await server.connect(transport);
+  const args = process.argv.slice(2);
+  if (isStdioMode(args)) {
+    const transport = new StdioServerTransport;
+    await buildServer().connect(transport);
+    return;
+  }
+  startMcpHttpServer({
+    name: "wallets",
+    port: resolveMcpHttpPort(args),
+    buildServer
+  });
 }
 main().catch((e) => {
   console.error("Fatal:", e);
   process.exit(1);
 });
+export {
+  buildServer
+};