@siglume/direct-request-payment 0.3.3 → 0.3.4

package/README.md

@@ -42,11 +42,20 @@ pip install siglume-direct-request-payment
 Node.js 18 or later is required for the TypeScript SDK. Python 3.11 or later is
 required for the Python SDK.
 
-## Current Platform Contract
+## Protocol Overview
 
-The public product name is **Siglume Direct Request Payment**. The current
-platform payload still uses the internal mode name `external_402`; this SDK sets
-that value for you when creating a payment requirement.
+Siglume Direct Request Payment is an SDRP payment protocol for products that
+want to accept Siglume wallet payments. The merchant fixes the order, amount,
+and currency on its server; the buyer pays with a Siglume wallet; Siglume
+applies the correct pricing and settlement path from the payment amount and
+execution conditions.
+
+During merchant setup, only the **Standard Payment plan** is selected. Micro
+Payment and Nano Payment are not separate choices for the merchant or buyer.
+They are applied automatically by amount.
+
+The current platform payload still uses the internal mode name `external_402`;
+this SDK sets that value for you when creating a payment requirement.
 
 Payment requirement creation must run in the authenticated buyer's Siglume
 context. Your merchant server must not use a merchant secret or API key to
@@ -60,54 +69,28 @@ key with this package.
 
 The canonical HTTP endpoints live under `/v1/sdrp/direct-payments/...`.
 
-## SDRP Payment Menu Boundary
-
-SDRP is the overall protocol name. This SDK covers **Standard Payment** for
-external merchants: checkout, subscription, and scheduled-autopay flows that
-settle through the ordinary DirectPaymentHub wallet-payment rail.
-
-The small-payment menus are separate from this SDK:
-
-| SDRP menu | Amount band | Settlement behavior | SDK boundary |
-| --- | --- | --- | --- |
-| Standard Payment | Over JPY 500 / over USD 3.00, or immediate finality required | Buyer confirms payment; DirectPaymentHub settles on-chain immediately | Covered by `@siglume/direct-request-payment` |
-| Micro Payment | JPY 50-500 / about USD 0.30-3.00 | SDRP meter gate before provider execution; weekly delayed settlement | Use the SDRP metered-payment server flow, not this merchant checkout SDK |
-| Nano Payment | Under JPY 1 to JPY 49 / under USD 0.01 to about USD 0.30 | SDRP meter gate before provider execution; monthly delayed settlement | Use the SDRP metered-payment server flow, not this merchant checkout SDK |
-
-Micro Payment and Nano Payment do not execute an on-chain payment during the
-provider API call. If the buyer has no valid metered budget, scope, or remaining
-limit, Siglume records `rejected_no_charge` and does not call the provider API.
-
-## Standard Payment Merchant Pricing
+## Pricing
 
-Siglume Direct Request Payment is currently offered with trial-phase merchant
-pricing designed for small EC sites, booking services, membership services, paid
-APIs, and external scheduled-payment experiments.
+Pricing has one structure: choose a Standard Payment plan, then Siglume applies
+the fee for each payment by amount. Micro / Nano are automatic amount bands, not
+extra setup choices.
 
 Both launch settlement currencies are first-class: JPY settled in JPYC, and USD
 settled in USDC. A merchant settles in one currency, chosen at onboarding. The
 settlement fee percentage is identical in both currencies; only the flat
 amounts differ.
 
-| Plan | Monthly fee (JPY / USD) | Payment fee |
-| --- | ---: | ---: |
-| Launch | JPY 0 / USD 0 | 1.8% |
-| Starter | JPY 980 / USD 6.00 | 1.0% |
-| Growth | JPY 2,980 / USD 18.00 | 0.7% |
-| Pro | JPY 9,800 / USD 60.00 | 0.5% |
-
-Every payment is fee-bearing at the plan rate. The minimum fee is JPY 30
-(USD merchants: USD 0.20) per payment — it recovers the per-payment settlement
-cost (an on-chain signature plus network gas) on small payments; the percentage
-rate applies on larger payments. A merchant billing
-mandate is required before accepting payments, even on the Launch plan. The API
-and merchant registry may still expose the internal plan key `free` for this
-tier. See [docs/pricing.md](./docs/pricing.md) for details.
-
-Per-payment fees are deducted at payment settlement time, so the merchant
-receives the net amount. Monthly base fees are collected through the merchant
-billing mandate. `fee_bps` returned on a payment requirement is the authoritative
-per-payment rate for that payment in the merchant's settlement currency.
+| Payment amount | Applied automatically | What you select | Fee | Settlement |
+| --- | --- | --- | --- | --- |
+| Over JPY 500 / over USD 3.00, or whenever immediate finality is required | Standard Payment | Select one Standard plan: Launch, Starter, Growth, or Pro | Launch: JPY 0 / USD 0 monthly, 1.8%; Starter: JPY 980 / USD 6 monthly, 1.0%; Growth: JPY 2,980 / USD 18 monthly, 0.7%; Pro: JPY 9,800 / USD 60 monthly, 0.5%. Minimum JPY 30 / USD 0.20 per payment. | Immediate on-chain split through DirectPaymentHub after payment confirmation |
+| JPY 50-500 / about USD 0.30-3.00 | Micro Payment | No selection. Applied automatically by amount. | USD 0.01 / Tx, about JPY 2 | Meter gate before provider execution; weekly delayed settlement |
+| Under JPY 1 to JPY 49 / under USD 0.01 to about USD 0.30 | Nano Payment | No selection. Applied automatically by amount. | USD 0.001 / usage, about JPY 0.2 | Meter gate before provider execution; monthly delayed settlement |
+
+A merchant billing mandate is required before accepting payments, even on the
+Launch plan. The API and merchant registry may still expose the internal plan key
+`free` for the Launch tier; treat it as a compatibility key, not a public plan
+name. `fee_bps` returned on a payment requirement is the authoritative fee rate
+for that payment in the merchant's settlement currency.
 
 ## Merchant Setup: One SDK Call
 

package/dist/index.cjs

@@ -125,7 +125,7 @@ var DirectRequestPaymentClient = class {
     this.auth_token = authToken;
     this.base_url = (options.base_url ?? envValue("SIGLUME_API_BASE") ?? DEFAULT_SIGLUME_API_BASE).replace(/\/+$/, "");
     this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15e3));
-    this.user_agent = options.user_agent ?? "@siglume/direct-request-payment/0.3.3";
+    this.user_agent = options.user_agent ?? "@siglume/direct-request-payment/0.3.4";
     this.fetch_impl = fetchImpl;
   }
   async createPaymentRequirement(input) {
@@ -230,7 +230,7 @@ var DirectRequestPaymentMerchantClient = class {
     this.auth_token = authToken;
     this.base_url = (options.base_url ?? envValue("SIGLUME_API_BASE") ?? DEFAULT_SIGLUME_API_BASE).replace(/\/+$/, "");
     this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15e3));
-    this.user_agent = options.user_agent ?? "@siglume/direct-request-payment/0.3.3";
+    this.user_agent = options.user_agent ?? "@siglume/direct-request-payment/0.3.4";
     this.fetch_impl = fetchImpl;
   }
   async setupMerchant(input) {

package/dist/index.cjs.map

@@ -1 +1 @@
-{"version":3,"sources":["../src/index.ts"],"sourcesContent":["export const DEFAULT_SIGLUME_API_BASE = \"https://siglume.com/v1\";\nexport const DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME = \"siglume-external-402-v1\";\n// Recurring (subscription / scheduled autopay) approval uses a DISTINCT scheme\n// with cadence bound into the HMAC, so a one-time checkout challenge can never\n// be replayed as a recurring authorization and vice versa.\nexport const DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME = \"siglume-external-402-recurring-v1\";\nexport const DIRECT_REQUEST_PAYMENT_MODE = \"external_402\";\nexport const DIRECT_REQUEST_PAYMENT_RECEIPT_KIND = \"sdrp_direct_payment\";\nexport const DIRECT_REQUEST_PAYMENT_ALLOWANCE_RECEIPT_KIND = \"sdrp_direct_payment_allowance\";\nexport const DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE = \"sdrp_direct_payment_requirement\";\nexport const DEFAULT_WEBHOOK_TOLERANCE_SECONDS = 300;\n\nexport type DirectRequestPaymentCurrency = \"JPY\" | \"USD\";\nexport type DirectRequestPaymentToken = \"JPYC\" | \"USDC\";\n\nexport interface DirectRequestPaymentChallengeInput {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  secret: string;\n  nonce?: string;\n}\n\nexport interface DirectRequestPaymentChallenge {\n  scheme: typeof DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME;\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency;\n  nonce: string;\n  signature: string;\n  challenge: string;\n  challenge_hash: string;\n}\n\nexport interface ParsedDirectRequestPaymentChallenge {\n  scheme: string;\n  nonce: string;\n  signature: string;\n}\n\n/** \"monthly\" authorizes a Siglume-swept subscription; \"daily\" authorizes\n *  merchant-triggered scheduled autopay. It is an approval tag, not a\n *  run-count limiter. */\nexport type DirectRequestPaymentRecurringCadence = \"monthly\" | \"daily\";\n\nexport interface DirectRequestPaymentRecurringChallengeInput {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  cadence: DirectRequestPaymentRecurringCadence | string;\n  secret: string;\n  nonce?: string;\n}\n\nexport interface DirectRequestPaymentRecurringChallenge {\n  scheme: typeof DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME;\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency;\n  cadence: DirectRequestPaymentRecurringCadence;\n  nonce: string;\n  signature: string;\n  challenge: string;\n  challenge_hash: string;\n}\n\nexport interface Web3TransactionRequest {\n  network?: string;\n  chain_id?: number;\n  from?: string;\n  to?: string;\n  data?: string;\n  value?: string | number;\n  metadata_jsonb?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectPaymentRequirement {\n  direct_payment_requirement_id: string;\n  requirement_id: string;\n  id: string;\n  mode: string;\n  merchant?: string | null;\n  challenge_hash?: string | null;\n  buyer_user_id: string;\n  agent_id?: string | null;\n  product_listing_id: string;\n  listing_id: string;\n  access_grant_id?: string | null;\n  capability_key: string;\n  requirement_hash: string;\n  request_hash: string;\n  siglume_signature: string;\n  token_symbol: string;\n  currency: string;\n  amount_minor: number;\n  fee_bps: number;\n  status: string;\n  expires_at?: string | null;\n  confirmed_at?: string | null;\n  spent_at?: string | null;\n  chain_receipt_id?: string | null;\n  transaction_request: Web3TransactionRequest;\n  approve_transaction_request?: Web3TransactionRequest | null;\n  buyer_confirmation?: string | null;\n  non_custodial: boolean;\n  metadata_jsonb?: Record<string, unknown>;\n  created_at?: string | null;\n  updated_at?: string | null;\n}\n\nexport interface DirectPaymentRequirementCreateInput {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  challenge: string;\n  token_symbol?: DirectRequestPaymentToken | string;\n  allowance_amount_minor?: number;\n  metadata?: Record<string, unknown>;\n}\n\nexport interface DirectPaymentVerifyInput {\n  receipt_id?: string | null;\n  chain_receipt_id?: string | null;\n  await_finality?: boolean;\n  await_required_status?: string | null;\n  await_timeout_seconds?: number;\n  await_poll_seconds?: number;\n}\n\nexport interface Web3PreparedTransactionExecutePayload {\n  transaction_request: Web3TransactionRequest;\n  receipt_kind: string;\n  reference_type: typeof DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE;\n  reference_id: string;\n  metadata?: Record<string, unknown>;\n  await_finality?: boolean;\n}\n\nexport interface Web3PreparedTransactionExecuteResult {\n  receipt?: Record<string, unknown>;\n  finalization?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentClientOptions {\n  auth_token?: string;\n  base_url?: string;\n  fetch?: typeof fetch;\n  timeout_ms?: number;\n  user_agent?: string;\n}\n\nexport type DirectRequestPaymentBillingPlan = \"launch\" | \"free\" | \"starter\" | \"growth\" | \"pro\";\n\nexport interface DirectRequestPaymentMerchantAccount {\n  merchant_account_id: string;\n  merchant: string;\n  merchant_user_id: string;\n  user_wallet_id?: string | null;\n  billing_mandate_id?: string | null;\n  display_name?: string | null;\n  status?: string | null;\n  billing_status?: string | null;\n  billing_plan?: string | null;\n  billing_currency?: string | null;\n  token_symbol?: string | null;\n  monthly_fee_minor?: number | null;\n  settlement_fee_bps?: number | null;\n  settlement_fee_min_minor?: number | null;\n  included_monthly_payments?: number | null;\n  metadata_jsonb?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentMerchantSetupInput {\n  merchant: string;\n  display_name?: string;\n  billing_plan?: DirectRequestPaymentBillingPlan | string;\n  billing_currency?: DirectRequestPaymentCurrency | string;\n  allowed_currencies?: Record<string, string> | Array<DirectRequestPaymentCurrency | string>;\n  webhook_callback_url?: string;\n  billing_mandate_cap_minor?: number;\n  max_amount_minor?: number;\n}\n\nexport interface DirectRequestPaymentMerchantBillingMandateInput {\n  currency?: DirectRequestPaymentCurrency | string;\n  billing_currency?: DirectRequestPaymentCurrency | string;\n  max_amount_minor?: number;\n}\n\nexport interface DirectRequestPaymentMerchantResponse {\n  merchant_account: DirectRequestPaymentMerchantAccount;\n  challenge_secret?: string | null;\n  challenge_secret_created?: boolean;\n  created?: boolean | null;\n  listing_id?: string | null;\n  mandate?: Record<string, unknown> | null;\n  next_steps?: Record<string, unknown>;\n}\n\nexport interface DirectRequestPaymentWebhookSubscriptionInput {\n  callback_url: string;\n  description?: string;\n  event_types?: string[];\n  metadata?: Record<string, unknown>;\n}\n\nexport interface DirectRequestPaymentWebhookSubscription {\n  webhook_subscription_id?: string;\n  subscription_id?: string;\n  id?: string;\n  callback_url?: string;\n  signing_secret?: string;\n  status?: string;\n  event_types?: string[];\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentCheckoutSetupInput extends DirectRequestPaymentMerchantSetupInput {\n  create_webhook_subscription?: boolean;\n  prepare_billing_mandate?: boolean;\n  webhook_event_types?: string[];\n  webhook_description?: string;\n}\n\nexport interface DirectRequestPaymentCheckoutSetupResult {\n  merchant: DirectRequestPaymentMerchantResponse;\n  billing_mandate?: DirectRequestPaymentMerchantResponse | null;\n  webhook_subscription?: DirectRequestPaymentWebhookSubscription | null;\n  env: Record<string, string>;\n}\n\nexport interface SiglumeEnvelopeMeta {\n  request_id?: string | null;\n  trace_id?: string | null;\n  [key: string]: unknown;\n}\n\nexport interface WebhookSignatureVerification {\n  timestamp: number;\n  signature: string;\n}\n\nexport interface DirectRequestPaymentWebhookEvent {\n  id: string;\n  type: \"direct_payment.confirmed\" | string;\n  api_version: string;\n  occurred_at: string;\n  data: {\n    mode?: string;\n    merchant?: string;\n    direct_payment_requirement_id?: string;\n    requirement_id?: string;\n    challenge_hash?: string;\n    amount_minor?: number;\n    currency?: string;\n    token_symbol?: string;\n    status?: string;\n    [key: string]: unknown;\n  };\n  [key: string]: unknown;\n}\n\nexport class SiglumeDirectRequestPaymentError extends Error {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeDirectRequestPaymentError\";\n  }\n}\n\nexport class SiglumeApiError extends SiglumeDirectRequestPaymentError {\n  readonly status: number;\n  readonly code: string;\n  readonly data: unknown;\n\n  constructor(message: string, options: { status: number; code?: string; data?: unknown }) {\n    super(message);\n    this.name = \"SiglumeApiError\";\n    this.status = options.status;\n    this.code = options.code ?? \"SIGLUME_API_ERROR\";\n    this.data = options.data;\n  }\n}\n\nexport class SiglumeWebhookSignatureError extends SiglumeDirectRequestPaymentError {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeWebhookSignatureError\";\n  }\n}\n\nexport class SiglumeWebhookPayloadError extends SiglumeDirectRequestPaymentError {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeWebhookPayloadError\";\n  }\n}\n\nexport class DirectRequestPaymentClient {\n  readonly auth_token: string;\n  readonly base_url: string;\n  readonly timeout_ms: number;\n  readonly user_agent: string;\n  private readonly fetch_impl: typeof fetch;\n\n  constructor(options: DirectRequestPaymentClientOptions = {}) {\n    const authToken = options.auth_token ?? envValue(\"SIGLUME_AUTH_TOKEN\");\n    if (!authToken) {\n      throw new SiglumeDirectRequestPaymentError(\n        \"A buyer Siglume bearer token is required for Direct Request Payment API calls. Developer Portal API keys are not accepted.\",\n      );\n    }\n    const fetchImpl = options.fetch ?? globalThis.fetch;\n    if (!fetchImpl) {\n      throw new SiglumeDirectRequestPaymentError(\"A fetch implementation is required in this runtime.\");\n    }\n    this.auth_token = authToken;\n    this.base_url = (options.base_url ?? envValue(\"SIGLUME_API_BASE\") ?? DEFAULT_SIGLUME_API_BASE).replace(/\\/+$/, \"\");\n    this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15000));\n    this.user_agent = options.user_agent ?? \"@siglume/direct-request-payment/0.3.3\";\n    this.fetch_impl = fetchImpl;\n  }\n\n  async createPaymentRequirement(input: DirectPaymentRequirementCreateInput): Promise<DirectPaymentRequirement> {\n    const payload: Record<string, unknown> = {\n      mode: DIRECT_REQUEST_PAYMENT_MODE,\n      merchant: normalizeMerchant(input.merchant),\n      amount_minor: positiveInteger(input.amount_minor, \"amount_minor\"),\n      currency: normalizeCurrency(input.currency),\n      challenge: requireNonEmpty(input.challenge, \"challenge\"),\n    };\n    if (input.token_symbol !== undefined) {\n      payload.token_symbol = normalizeToken(input.token_symbol);\n    }\n    if (input.allowance_amount_minor !== undefined) {\n      payload.allowance_amount_minor = positiveInteger(input.allowance_amount_minor, \"allowance_amount_minor\");\n    }\n    if (input.metadata !== undefined) {\n      payload.metadata = cloneJsonObject(input.metadata, \"metadata\");\n    }\n    return this.request<DirectPaymentRequirement>(\"POST\", \"/sdrp/direct-payments/requirements\", payload);\n  }\n\n  async getPaymentRequirement(requirement_id: string): Promise<DirectPaymentRequirement> {\n    return this.request<DirectPaymentRequirement>(\n      \"GET\",\n      `/sdrp/direct-payments/requirements/${encodeURIComponent(requireNonEmpty(requirement_id, \"requirement_id\"))}`,\n    );\n  }\n\n  async verifyPaymentRequirement(\n    requirement_id: string,\n    input: DirectPaymentVerifyInput,\n  ): Promise<DirectPaymentRequirement> {\n    return this.request<DirectPaymentRequirement>(\n      \"POST\",\n      `/sdrp/direct-payments/requirements/${encodeURIComponent(requireNonEmpty(requirement_id, \"requirement_id\"))}/verify`,\n      input,\n    );\n  }\n\n  async executePreparedTransaction(\n    payload: Web3PreparedTransactionExecutePayload,\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.request<Web3PreparedTransactionExecuteResult>(\n      \"POST\",\n      \"/market/web3/transactions/execute-prepared\",\n      payload,\n    );\n  }\n\n  async executePaymentTransaction(\n    requirement: DirectPaymentRequirement,\n    options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.executePreparedTransaction(buildPaymentExecutionPayload(requirement, options));\n  }\n\n  async executeAllowanceTransaction(\n    requirement: DirectPaymentRequirement,\n    options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.executePreparedTransaction(buildAllowanceExecutionPayload(requirement, options));\n  }\n\n  async request<T>(method: string, path: string, json_body?: unknown): Promise<T> {\n    const controller = new AbortController();\n    const timeout = setTimeout(() => controller.abort(), this.timeout_ms);\n    try {\n      const headers: Record<string, string> = {\n        \"Accept\": \"application/json\",\n        \"Authorization\": `Bearer ${this.auth_token}`,\n        \"User-Agent\": this.user_agent,\n      };\n      let body: string | undefined;\n      if (json_body !== undefined) {\n        headers[\"Content-Type\"] = \"application/json\";\n        body = JSON.stringify(json_body);\n      }\n      const response = await this.fetch_impl(`${this.base_url}${path}`, {\n        method,\n        headers,\n        body,\n        signal: controller.signal,\n      });\n      const rawText = await response.text();\n      const parsed = rawText ? parseJson(rawText) : {};\n      if (!response.ok) {\n        const error = isRecord(parsed) && isRecord(parsed.error) ? parsed.error : {};\n        const code = stringOrNull(error.code) ?? stringOrNull((parsed as Record<string, unknown>).code) ?? `HTTP_${response.status}`;\n        const message = stringOrNull(error.message) ?? stringOrNull((parsed as Record<string, unknown>).message) ?? response.statusText;\n        throw new SiglumeApiError(message, { status: response.status, code, data: parsed });\n      }\n      if (isRecord(parsed) && \"data\" in parsed) {\n        return parsed.data as T;\n      }\n      return parsed as T;\n    } finally {\n      clearTimeout(timeout);\n    }\n  }\n}\n\nexport class DirectRequestPaymentMerchantClient {\n  readonly auth_token: string;\n  readonly base_url: string;\n  readonly timeout_ms: number;\n  readonly user_agent: string;\n  private readonly fetch_impl: typeof fetch;\n\n  constructor(options: DirectRequestPaymentClientOptions = {}) {\n    const authToken = options.auth_token ?? envValue(\"SIGLUME_MERCHANT_AUTH_TOKEN\") ?? envValue(\"SIGLUME_AUTH_TOKEN\");\n    if (!authToken) {\n      throw new SiglumeDirectRequestPaymentError(\n        \"A merchant Siglume bearer token is required for Direct Request Payment merchant setup. Developer Portal API keys are not accepted.\",\n      );\n    }\n    const fetchImpl = options.fetch ?? globalThis.fetch;\n    if (!fetchImpl) {\n      throw new SiglumeDirectRequestPaymentError(\"A fetch implementation is required in this runtime.\");\n    }\n    this.auth_token = authToken;\n    this.base_url = (options.base_url ?? envValue(\"SIGLUME_API_BASE\") ?? DEFAULT_SIGLUME_API_BASE).replace(/\\/+$/, \"\");\n    this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15000));\n    this.user_agent = options.user_agent ?? \"@siglume/direct-request-payment/0.3.3\";\n    this.fetch_impl = fetchImpl;\n  }\n\n  async setupMerchant(input: DirectRequestPaymentMerchantSetupInput): Promise<DirectRequestPaymentMerchantResponse> {\n    const payload: Record<string, unknown> = {\n      merchant: normalizeSelfServiceMerchant(input.merchant),\n      billing_plan: normalizeBillingPlan(input.billing_plan ?? \"launch\"),\n      billing_currency: normalizeCurrency(input.billing_currency ?? \"JPY\"),\n    };\n    if (input.display_name !== undefined) {\n      payload.display_name = requireNonEmpty(input.display_name, \"display_name\");\n    }\n    if (input.allowed_currencies !== undefined) {\n      payload.allowed_currencies = normalizeAllowedCurrencies(input.allowed_currencies);\n    }\n    if (input.webhook_callback_url !== undefined) {\n      payload.webhook_callback_url = requireNonEmpty(input.webhook_callback_url, \"webhook_callback_url\");\n    }\n    if (input.billing_mandate_cap_minor !== undefined) {\n      payload.billing_mandate_cap_minor = positiveInteger(input.billing_mandate_cap_minor, \"billing_mandate_cap_minor\");\n    }\n    if (input.max_amount_minor !== undefined) {\n      payload.max_amount_minor = positiveInteger(input.max_amount_minor, \"max_amount_minor\");\n    }\n    return this.request<DirectRequestPaymentMerchantResponse>(\"POST\", \"/sdrp/direct-payments/merchants\", payload);\n  }\n\n  async getMerchant(merchant: string): Promise<DirectRequestPaymentMerchantResponse> {\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"GET\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}`,\n    );\n  }\n\n  async rotateChallengeSecret(merchant: string): Promise<DirectRequestPaymentMerchantResponse> {\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"POST\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}/challenge-secret/rotate`,\n    );\n  }\n\n  async prepareBillingMandate(\n    merchant: string,\n    input: DirectRequestPaymentMerchantBillingMandateInput = {},\n  ): Promise<DirectRequestPaymentMerchantResponse> {\n    const payload: Record<string, unknown> = {};\n    if (input.currency !== undefined) {\n      payload.currency = normalizeCurrency(input.currency);\n    }\n    if (input.billing_currency !== undefined) {\n      payload.billing_currency = normalizeCurrency(input.billing_currency);\n    }\n    if (input.max_amount_minor !== undefined) {\n      payload.max_amount_minor = positiveInteger(input.max_amount_minor, \"max_amount_minor\");\n    }\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"POST\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}/billing-mandate`,\n      payload,\n    );\n  }\n\n  async createWebhookSubscription(\n    input: DirectRequestPaymentWebhookSubscriptionInput,\n  ): Promise<DirectRequestPaymentWebhookSubscription> {\n    const payload: Record<string, unknown> = {\n      callback_url: requireNonEmpty(input.callback_url, \"callback_url\"),\n      event_types: input.event_types?.length\n        ? input.event_types.map((eventType) => requireNonEmpty(eventType, \"event_type\"))\n        : [\"direct_payment.confirmed\", \"direct_payment.spent\"],\n    };\n    if (input.description !== undefined) {\n      payload.description = requireNonEmpty(input.description, \"description\");\n    }\n    if (input.metadata !== undefined) {\n      payload.metadata = cloneJsonObject(input.metadata, \"metadata\");\n    }\n    return this.request<DirectRequestPaymentWebhookSubscription>(\"POST\", \"/market/webhooks/subscriptions\", payload);\n  }\n\n  async setupCheckout(input: DirectRequestPaymentCheckoutSetupInput): Promise<DirectRequestPaymentCheckoutSetupResult> {\n    const merchant = await this.setupMerchant(input);\n    const merchantKey = merchant.merchant_account.merchant;\n    const billing_mandate = input.prepare_billing_mandate === false\n      ? null\n      : await this.prepareBillingMandate(merchantKey, {\n        billing_currency: merchant.merchant_account.billing_currency ?? input.billing_currency ?? \"JPY\",\n        max_amount_minor: input.max_amount_minor ?? input.billing_mandate_cap_minor,\n      });\n    const shouldCreateWebhook = input.create_webhook_subscription ?? Boolean(input.webhook_callback_url);\n    const webhook_subscription = shouldCreateWebhook && input.webhook_callback_url\n      ? await this.createWebhookSubscription({\n        callback_url: input.webhook_callback_url,\n        description: input.webhook_description ?? `${merchantKey} Direct Request Payment`,\n        event_types: input.webhook_event_types,\n        metadata: { merchant: merchantKey, sdk: \"@siglume/direct-request-payment\" },\n      })\n      : null;\n    const env: Record<string, string> = {\n      SIGLUME_DIRECT_PAYMENT_MERCHANT: merchantKey,\n    };\n    if (merchant.challenge_secret) {\n      env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET = merchant.challenge_secret;\n    }\n    const webhookSecret = stringOrNull(webhook_subscription?.signing_secret);\n    if (webhookSecret) {\n      env.SIGLUME_WEBHOOK_SECRET = webhookSecret;\n    }\n    return { merchant, billing_mandate, webhook_subscription, env };\n  }\n\n  async request<T>(method: string, path: string, json_body?: unknown): Promise<T> {\n    const controller = new AbortController();\n    const timeout = setTimeout(() => controller.abort(), this.timeout_ms);\n    try {\n      const headers: Record<string, string> = {\n        \"Accept\": \"application/json\",\n        \"Authorization\": `Bearer ${this.auth_token}`,\n        \"User-Agent\": this.user_agent,\n      };\n      let body: string | undefined;\n      if (json_body !== undefined) {\n        headers[\"Content-Type\"] = \"application/json\";\n        body = JSON.stringify(json_body);\n      }\n      const response = await this.fetch_impl(`${this.base_url}${path}`, {\n        method,\n        headers,\n        body,\n        signal: controller.signal,\n      });\n      const rawText = await response.text();\n      const parsed = rawText ? parseJson(rawText) : {};\n      if (!response.ok) {\n        const error = isRecord(parsed) && isRecord(parsed.error) ? parsed.error : {};\n        const code = stringOrNull(error.code) ?? stringOrNull((parsed as Record<string, unknown>).code) ?? `HTTP_${response.status}`;\n        const message = stringOrNull(error.message) ?? stringOrNull((parsed as Record<string, unknown>).message) ?? response.statusText;\n        throw new SiglumeApiError(message, { status: response.status, code, data: parsed });\n      }\n      if (isRecord(parsed) && \"data\" in parsed) {\n        return parsed.data as T;\n      }\n      return parsed as T;\n    } finally {\n      clearTimeout(timeout);\n    }\n  }\n}\n\nexport async function createDirectRequestPaymentChallenge(\n  input: DirectRequestPaymentChallengeInput,\n): Promise<DirectRequestPaymentChallenge> {\n  const merchant = normalizeMerchant(input.merchant);\n  const amount_minor = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const nonce = input.nonce ? normalizeChallengeNonce(input.nonce) : await randomNonce();\n  const signature = await createDirectRequestPaymentChallengeSignature(input.secret, {\n    merchant,\n    amount_minor,\n    currency,\n    nonce,\n  });\n  const challenge = `${DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME}:${nonce}:${signature}`;\n  return {\n    scheme: DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME,\n    merchant,\n    amount_minor,\n    currency,\n    nonce,\n    signature,\n    challenge,\n    challenge_hash: await sha256Prefixed(challenge),\n  };\n}\n\nexport async function createDirectRequestPaymentChallengeSignature(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    nonce: string;\n  },\n): Promise<string> {\n  const normalizedSecret = requireNonEmpty(secret, \"secret\");\n  const merchant = normalizeMerchant(input.merchant);\n  const amount = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const nonce = normalizeChallengeNonce(input.nonce);\n  const material = `${merchant}:${amount}:${currency}:${nonce}`;\n  return hmacSha256Hex(normalizedSecret, new TextEncoder().encode(material));\n}\n\nexport function parseDirectRequestPaymentChallenge(challenge: string): ParsedDirectRequestPaymentChallenge {\n  const parts = requireNonEmpty(challenge, \"challenge\").split(\":\");\n  if (parts.length !== 3) {\n    throw new SiglumeDirectRequestPaymentError(\"Direct Request Payment challenge must be scheme:nonce:signature.\");\n  }\n  const [scheme, nonce, signature] = parts;\n  if (!scheme || !nonce || !signature) {\n    throw new SiglumeDirectRequestPaymentError(\"Direct Request Payment challenge is incomplete.\");\n  }\n  return { scheme, nonce, signature };\n}\n\n/** Merchant-side, ONE-TIME approval of a recurring authorization: amount +\n *  currency + cadence are bound into the HMAC. Recurring charges afterwards\n *  are deliberately challenge-free; the recurring authorization and the\n *  buyer's mandate/budget caps are the per-charge integrity checks. Cadence\n *  \"monthly\" = subscription, \"daily\" = scheduled autopay approval tag. */\nexport async function createDirectRequestPaymentRecurringChallenge(\n  input: DirectRequestPaymentRecurringChallengeInput,\n): Promise<DirectRequestPaymentRecurringChallenge> {\n  const merchant = normalizeMerchant(input.merchant);\n  const amount_minor = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const cadence = normalizeRecurringCadence(input.cadence);\n  const nonce = input.nonce ? normalizeChallengeNonce(input.nonce) : await randomNonce();\n  const signature = await createDirectRequestPaymentRecurringChallengeSignature(input.secret, {\n    merchant,\n    amount_minor,\n    currency,\n    cadence,\n    nonce,\n  });\n  const challenge = `${DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME}:${nonce}:${signature}`;\n  return {\n    scheme: DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME,\n    merchant,\n    amount_minor,\n    currency,\n    cadence,\n    nonce,\n    signature,\n    challenge,\n    challenge_hash: await sha256Prefixed(challenge),\n  };\n}\n\nexport async function createDirectRequestPaymentRecurringChallengeSignature(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    cadence: DirectRequestPaymentRecurringCadence | string;\n    nonce: string;\n  },\n): Promise<string> {\n  const normalizedSecret = requireNonEmpty(secret, \"secret\");\n  const merchant = normalizeMerchant(input.merchant);\n  const amount = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const cadence = normalizeRecurringCadence(input.cadence);\n  const nonce = normalizeChallengeNonce(input.nonce);\n  // MUST stay byte-identical to the server's\n  // _external_402_recurring_challenge_signature — both sides change together.\n  const material = `${merchant}:${amount}:${currency}:${cadence}:${nonce}`;\n  return hmacSha256Hex(normalizedSecret, new TextEncoder().encode(material));\n}\n\nexport async function verifyDirectRequestPaymentRecurringChallenge(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    cadence: DirectRequestPaymentRecurringCadence | string;\n    challenge: string;\n  },\n): Promise<boolean> {\n  const parsed = parseDirectRequestPaymentChallenge(input.challenge);\n  if (parsed.scheme !== DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME) {\n    return false;\n  }\n  const expected = await createDirectRequestPaymentRecurringChallengeSignature(secret, {\n    merchant: input.merchant,\n    amount_minor: input.amount_minor,\n    currency: input.currency,\n    cadence: input.cadence,\n    nonce: parsed.nonce,\n  });\n  return timingSafeEqualHex(expected, parsed.signature);\n}\n\nexport async function verifyDirectRequestPaymentChallenge(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    challenge: string;\n  },\n): Promise<boolean> {\n  const parsed = parseDirectRequestPaymentChallenge(input.challenge);\n  if (parsed.scheme !== DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME) {\n    return false;\n  }\n  const expected = await createDirectRequestPaymentChallengeSignature(secret, {\n    merchant: input.merchant,\n    amount_minor: input.amount_minor,\n    currency: input.currency,\n    nonce: parsed.nonce,\n  });\n  return timingSafeEqualHex(expected, parsed.signature);\n}\n\nexport async function directRequestPaymentChallengeHash(challenge: string): Promise<string> {\n  return sha256Prefixed(requireNonEmpty(challenge, \"challenge\"));\n}\n\nexport async function directRequestPaymentRequestHash(input: {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  challenge: string;\n}): Promise<string> {\n  const material = `${normalizeMerchant(input.merchant)}${positiveInteger(input.amount_minor, \"amount_minor\")}${normalizeCurrency(input.currency)}${requireNonEmpty(input.challenge, \"challenge\")}`;\n  return sha256Prefixed(material);\n}\n\nexport function buildPaymentExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n): Web3PreparedTransactionExecutePayload {\n  return buildPreparedTransactionExecutionPayload(requirement, requirement.transaction_request, {\n    receipt_kind: DIRECT_REQUEST_PAYMENT_RECEIPT_KIND,\n    await_finality: options.await_finality,\n    metadata: options.metadata,\n  });\n}\n\nexport function buildAllowanceExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n): Web3PreparedTransactionExecutePayload {\n  const approveRequest = requirement.approve_transaction_request;\n  if (!approveRequest || Object.keys(approveRequest).length === 0) {\n    throw new SiglumeDirectRequestPaymentError(\"This payment requirement does not include an allowance approval transaction.\");\n  }\n  return buildPreparedTransactionExecutionPayload(requirement, approveRequest, {\n    receipt_kind: DIRECT_REQUEST_PAYMENT_ALLOWANCE_RECEIPT_KIND,\n    await_finality: options.await_finality,\n    metadata: options.metadata,\n  });\n}\n\nexport function buildPreparedTransactionExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  transaction_request: Web3TransactionRequest,\n  options: {\n    receipt_kind: string;\n    await_finality?: boolean;\n    metadata?: Record<string, unknown>;\n  },\n): Web3PreparedTransactionExecutePayload {\n  const metadata = {\n    ...(isRecord(transaction_request.metadata_jsonb) ? transaction_request.metadata_jsonb : {}),\n    ...(options.metadata ?? {}),\n  };\n  return {\n    transaction_request,\n    receipt_kind: requireNonEmpty(options.receipt_kind, \"receipt_kind\"),\n    reference_type: DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE,\n    reference_id: requirement.requirement_id,\n    metadata,\n    await_finality: Boolean(options.await_finality),\n  };\n}\n\nexport async function computeWebhookSignature(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  options: { timestamp: number },\n): Promise<string> {\n  if (!signing_secret) {\n    throw new SiglumeWebhookSignatureError(\"SIGLUME webhook signing secret is required.\");\n  }\n  const timestamp = Math.trunc(options.timestamp);\n  const bytes = bodyBytes(body);\n  const prefix = new TextEncoder().encode(`${timestamp}.`);\n  const payload = new Uint8Array(prefix.length + bytes.length);\n  payload.set(prefix, 0);\n  payload.set(bytes, prefix.length);\n  return hmacSha256Hex(signing_secret, payload);\n}\n\nexport async function buildWebhookSignatureHeader(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  options: { timestamp?: number } = {},\n): Promise<string> {\n  const timestamp = Math.trunc(options.timestamp ?? Date.now() / 1000);\n  const signature = await computeWebhookSignature(signing_secret, body, { timestamp });\n  return `t=${timestamp},v1=${signature}`;\n}\n\nexport async function verifyWebhookSignature(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  signature_header: string,\n  options: { tolerance_seconds?: number; now?: number } = {},\n): Promise<WebhookSignatureVerification> {\n  const { timestamp, signature } = parseSignatureHeader(signature_header);\n  const toleranceSeconds = Math.max(1, Math.trunc(options.tolerance_seconds ?? DEFAULT_WEBHOOK_TOLERANCE_SECONDS));\n  const nowSeconds = Math.trunc(options.now ?? Date.now() / 1000);\n  if (Math.abs(nowSeconds - timestamp) > toleranceSeconds) {\n    throw new SiglumeWebhookSignatureError(\"Webhook timestamp is outside the allowed tolerance window.\");\n  }\n  const expected = await computeWebhookSignature(signing_secret, body, { timestamp });\n  if (!(await timingSafeEqualHex(expected, signature))) {\n    throw new SiglumeWebhookSignatureError(\"Webhook signature did not match.\");\n  }\n  return { timestamp, signature };\n}\n\nexport function parseDirectRequestPaymentWebhookEvent(payload: unknown): DirectRequestPaymentWebhookEvent {\n  const event = requireRecord(payload, \"webhook event\");\n  const data = requireRecord(event.data, \"webhook event data\");\n  const parsed = {\n    ...event,\n    id: requireNonEmpty(stringOrNull(event.id) ?? \"\", \"webhook event id\"),\n    type: requireNonEmpty(stringOrNull(event.type) ?? \"\", \"webhook event type\"),\n    api_version: requireNonEmpty(stringOrNull(event.api_version) ?? \"\", \"webhook api_version\"),\n    occurred_at: requireNonEmpty(stringOrNull(event.occurred_at) ?? \"\", \"webhook occurred_at\"),\n    data: { ...data },\n  } as DirectRequestPaymentWebhookEvent;\n  if (parsed.type === \"direct_payment.confirmed\" && parsed.data.mode !== DIRECT_REQUEST_PAYMENT_MODE) {\n    throw new SiglumeWebhookPayloadError(\"direct_payment.confirmed webhook must carry data.mode='external_402'.\");\n  }\n  return parsed;\n}\n\nexport async function verifyDirectRequestPaymentWebhook(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  signature_header: string,\n  options: { tolerance_seconds?: number; now?: number } = {},\n): Promise<{ event: DirectRequestPaymentWebhookEvent; verification: WebhookSignatureVerification }> {\n  const verification = await verifyWebhookSignature(signing_secret, body, signature_header, options);\n  const text = new TextDecoder().decode(bodyBytes(body));\n  let parsed: unknown;\n  try {\n    parsed = JSON.parse(text);\n  } catch (error) {\n    throw new SiglumeWebhookPayloadError(\"Webhook body must contain valid JSON.\");\n  }\n  return { event: parseDirectRequestPaymentWebhookEvent(parsed), verification };\n}\n\nexport const createExternal402Challenge = createDirectRequestPaymentChallenge;\nexport const verifyExternal402Challenge = verifyDirectRequestPaymentChallenge;\nexport const createExternal402RecurringChallenge = createDirectRequestPaymentRecurringChallenge;\nexport const verifyExternal402RecurringChallenge = verifyDirectRequestPaymentRecurringChallenge;\n\nfunction normalizeMerchant(value: string): string {\n  const merchant = requireNonEmpty(value, \"merchant\").toLowerCase();\n  if (!/^[a-z0-9][a-z0-9._-]{0,95}$/.test(merchant)) {\n    throw new SiglumeDirectRequestPaymentError(\"merchant must be a lowercase key using letters, numbers, dot, underscore, or hyphen.\");\n  }\n  return merchant;\n}\n\nfunction normalizeSelfServiceMerchant(value: string): string {\n  const merchant = requireNonEmpty(value, \"merchant\").toLowerCase();\n  if (!/^[a-z0-9][a-z0-9_-]{2,63}$/.test(merchant)) {\n    throw new SiglumeDirectRequestPaymentError(\"merchant must be 3-64 chars using lowercase letters, numbers, underscore, or hyphen.\");\n  }\n  return merchant;\n}\n\nfunction normalizeBillingPlan(value: string): DirectRequestPaymentBillingPlan {\n  const plan = requireNonEmpty(value, \"billing_plan\").toLowerCase();\n  if (plan === \"launch\" || plan === \"free\" || plan === \"starter\" || plan === \"growth\" || plan === \"pro\") {\n    return plan;\n  }\n  throw new SiglumeDirectRequestPaymentError(\"billing_plan must be launch, starter, growth, or pro.\");\n}\n\nfunction normalizeCurrency(value: string): DirectRequestPaymentCurrency {\n  const currency = requireNonEmpty(value, \"currency\").toUpperCase();\n  if (currency !== \"JPY\" && currency !== \"USD\") {\n    throw new SiglumeDirectRequestPaymentError(\"currency must be JPY or USD.\");\n  }\n  return currency;\n}\n\nfunction normalizeToken(value: string): DirectRequestPaymentToken {\n  const token = requireNonEmpty(value, \"token_symbol\").toUpperCase();\n  if (token !== \"JPYC\" && token !== \"USDC\") {\n    throw new SiglumeDirectRequestPaymentError(\"token_symbol must be JPYC or USDC.\");\n  }\n  return token;\n}\n\nfunction normalizeAllowedCurrencies(value: Record<string, string> | Array<DirectRequestPaymentCurrency | string>): Record<string, string> {\n  const normalized: Record<string, string> = {};\n  if (Array.isArray(value)) {\n    for (const item of value) {\n      const currency = normalizeCurrency(item);\n      normalized[currency] = defaultTokenForCurrency(currency);\n    }\n  } else if (isRecord(value)) {\n    for (const [rawCurrency, rawToken] of Object.entries(value)) {\n      normalized[normalizeCurrency(rawCurrency)] = normalizeToken(String(rawToken));\n    }\n  } else {\n    throw new SiglumeDirectRequestPaymentError(\"allowed_currencies must be an array or a currency-to-token object.\");\n  }\n  if (Object.keys(normalized).length === 0) {\n    throw new SiglumeDirectRequestPaymentError(\"allowed_currencies must include at least one currency.\");\n  }\n  return normalized;\n}\n\nfunction defaultTokenForCurrency(currency: DirectRequestPaymentCurrency): DirectRequestPaymentToken {\n  return currency === \"JPY\" ? \"JPYC\" : \"USDC\";\n}\n\nfunction positiveInteger(value: number, name: string): number {\n  const parsed = Number(value);\n  if (!Number.isSafeInteger(parsed) || parsed <= 0) {\n    throw new SiglumeDirectRequestPaymentError(`${name} must be a positive safe integer.`);\n  }\n  return parsed;\n}\n\nfunction requireNonEmpty(value: string, name: string): string {\n  const text = String(value ?? \"\").trim();\n  if (!text) {\n    throw new SiglumeDirectRequestPaymentError(`${name} is required.`);\n  }\n  return text;\n}\n\nfunction normalizeChallengeNonce(value: string): string {\n  const nonce = requireNonEmpty(value, \"nonce\");\n  if (nonce.includes(\":\")) {\n    throw new SiglumeDirectRequestPaymentError(\"nonce must not contain ':'.\");\n  }\n  return nonce;\n}\n\nfunction normalizeRecurringCadence(value: string): DirectRequestPaymentRecurringCadence {\n  const cadence = requireNonEmpty(value, \"cadence\").toLowerCase();\n  if (cadence !== \"monthly\" && cadence !== \"daily\") {\n    throw new SiglumeDirectRequestPaymentError(\n      'cadence must be \"monthly\" (subscription) or \"daily\" (scheduled autopay).',\n    );\n  }\n  return cadence;\n}\n\nfunction cloneJsonObject(value: Record<string, unknown>, name: string): Record<string, unknown> {\n  try {\n    const cloned = JSON.parse(JSON.stringify(value)) as unknown;\n    if (!isRecord(cloned)) {\n      throw new Error(\"not an object\");\n    }\n    return cloned;\n  } catch (error) {\n    throw new SiglumeDirectRequestPaymentError(`${name} must be a JSON-serializable object.`);\n  }\n}\n\nfunction parseJson(rawText: string): unknown {\n  try {\n    return JSON.parse(rawText);\n  } catch (error) {\n    throw new SiglumeApiError(\"Siglume API returned invalid JSON.\", {\n      status: 502,\n      code: \"INVALID_JSON_RESPONSE\",\n      data: rawText,\n    });\n  }\n}\n\nfunction stringOrNull(value: unknown): string | null {\n  if (typeof value !== \"string\") {\n    return null;\n  }\n  const text = value.trim();\n  return text ? text : null;\n}\n\nfunction isRecord(value: unknown): value is Record<string, unknown> {\n  return typeof value === \"object\" && value !== null && !Array.isArray(value);\n}\n\nfunction requireRecord(value: unknown, name: string): Record<string, unknown> {\n  if (!isRecord(value)) {\n    throw new SiglumeWebhookPayloadError(`${name} must be an object.`);\n  }\n  return value;\n}\n\nfunction envValue(name: string): string | undefined {\n  if (typeof process === \"undefined\") {\n    return undefined;\n  }\n  const value = process.env[name];\n  return value && value.trim() ? value.trim() : undefined;\n}\n\nfunction bodyBytes(body: Uint8Array | ArrayBuffer | string | Record<string, unknown>): Uint8Array {\n  if (body instanceof Uint8Array) {\n    return body;\n  }\n  if (body instanceof ArrayBuffer) {\n    return new Uint8Array(body);\n  }\n  if (typeof body === \"string\") {\n    return new TextEncoder().encode(body);\n  }\n  if (isRecord(body)) {\n    return new TextEncoder().encode(JSON.stringify(body));\n  }\n  throw new SiglumeWebhookPayloadError(\"Webhook body must be raw bytes, a string, or a JSON object.\");\n}\n\nfunction parseSignatureHeader(signatureHeader: string): { timestamp: number; signature: string } {\n  let timestamp: number | null = null;\n  let signature: string | null = null;\n  for (const item of String(signatureHeader ?? \"\").split(\",\")) {\n    const [key, value] = item.trim().split(\"=\", 2);\n    if (key === \"t\") {\n      const parsed = Number.parseInt(value ?? \"\", 10);\n      if (!Number.isFinite(parsed)) {\n        throw new SiglumeWebhookSignatureError(\"Webhook signature timestamp is invalid.\");\n      }\n      timestamp = parsed;\n    }\n    if (key === \"v1\") {\n      signature = String(value ?? \"\").trim();\n    }\n  }\n  if (timestamp === null || !signature) {\n    throw new SiglumeWebhookSignatureError(\"Webhook signature header is incomplete.\");\n  }\n  return { timestamp, signature };\n}\n\nasync function randomNonce(): Promise<string> {\n  if (globalThis.crypto?.randomUUID) {\n    return globalThis.crypto.randomUUID();\n  }\n  const bytes = new Uint8Array(16);\n  if (globalThis.crypto?.getRandomValues) {\n    globalThis.crypto.getRandomValues(bytes);\n  } else if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    bytes.set(crypto.randomBytes(16));\n  } else {\n    throw new SiglumeDirectRequestPaymentError(\"Crypto random number generation is unavailable in this runtime.\");\n  }\n  return bytesToHex(bytes);\n}\n\nasync function hmacSha256Hex(secret: string, 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unknown;\n}\n\nexport interface DirectPaymentRequirement {\n  direct_payment_requirement_id: string;\n  requirement_id: string;\n  id: string;\n  mode: string;\n  merchant?: string | null;\n  challenge_hash?: string | null;\n  buyer_user_id: string;\n  agent_id?: string | null;\n  product_listing_id: string;\n  listing_id: string;\n  access_grant_id?: string | null;\n  capability_key: string;\n  requirement_hash: string;\n  request_hash: string;\n  siglume_signature: string;\n  token_symbol: string;\n  currency: string;\n  amount_minor: number;\n  fee_bps: number;\n  status: string;\n  expires_at?: string | null;\n  confirmed_at?: string | null;\n  spent_at?: string | null;\n  chain_receipt_id?: string | null;\n  transaction_request: Web3TransactionRequest;\n  approve_transaction_request?: Web3TransactionRequest | null;\n  buyer_confirmation?: string | null;\n  non_custodial: boolean;\n  metadata_jsonb?: Record<string, unknown>;\n  created_at?: string | null;\n  updated_at?: string | null;\n}\n\nexport interface DirectPaymentRequirementCreateInput {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  challenge: string;\n  token_symbol?: DirectRequestPaymentToken | string;\n  allowance_amount_minor?: number;\n  metadata?: Record<string, unknown>;\n}\n\nexport interface DirectPaymentVerifyInput {\n  receipt_id?: string | null;\n  chain_receipt_id?: string | null;\n  await_finality?: boolean;\n  await_required_status?: string | null;\n  await_timeout_seconds?: number;\n  await_poll_seconds?: number;\n}\n\nexport interface Web3PreparedTransactionExecutePayload {\n  transaction_request: Web3TransactionRequest;\n  receipt_kind: string;\n  reference_type: typeof DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE;\n  reference_id: string;\n  metadata?: Record<string, unknown>;\n  await_finality?: boolean;\n}\n\nexport interface Web3PreparedTransactionExecuteResult {\n  receipt?: Record<string, unknown>;\n  finalization?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentClientOptions {\n  auth_token?: string;\n  base_url?: string;\n  fetch?: typeof fetch;\n  timeout_ms?: number;\n  user_agent?: string;\n}\n\nexport type DirectRequestPaymentBillingPlan = \"launch\" | \"free\" | \"starter\" | \"growth\" | \"pro\";\n\nexport interface DirectRequestPaymentMerchantAccount {\n  merchant_account_id: string;\n  merchant: string;\n  merchant_user_id: string;\n  user_wallet_id?: string | null;\n  billing_mandate_id?: string | null;\n  display_name?: string | null;\n  status?: string | null;\n  billing_status?: string | null;\n  billing_plan?: string | null;\n  billing_currency?: string | null;\n  token_symbol?: string | null;\n  monthly_fee_minor?: number | null;\n  settlement_fee_bps?: number | null;\n  settlement_fee_min_minor?: number | null;\n  included_monthly_payments?: number | null;\n  metadata_jsonb?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentMerchantSetupInput {\n  merchant: string;\n  display_name?: string;\n  billing_plan?: DirectRequestPaymentBillingPlan | string;\n  billing_currency?: DirectRequestPaymentCurrency | string;\n  allowed_currencies?: Record<string, string> | Array<DirectRequestPaymentCurrency | string>;\n  webhook_callback_url?: string;\n  billing_mandate_cap_minor?: number;\n  max_amount_minor?: number;\n}\n\nexport interface DirectRequestPaymentMerchantBillingMandateInput {\n  currency?: DirectRequestPaymentCurrency | string;\n  billing_currency?: DirectRequestPaymentCurrency | string;\n  max_amount_minor?: number;\n}\n\nexport interface DirectRequestPaymentMerchantResponse {\n  merchant_account: DirectRequestPaymentMerchantAccount;\n  challenge_secret?: string | null;\n  challenge_secret_created?: boolean;\n  created?: boolean | null;\n  listing_id?: string | null;\n  mandate?: Record<string, unknown> | null;\n  next_steps?: Record<string, unknown>;\n}\n\nexport interface DirectRequestPaymentWebhookSubscriptionInput {\n  callback_url: string;\n  description?: string;\n  event_types?: string[];\n  metadata?: Record<string, unknown>;\n}\n\nexport interface DirectRequestPaymentWebhookSubscription {\n  webhook_subscription_id?: string;\n  subscription_id?: string;\n  id?: string;\n  callback_url?: string;\n  signing_secret?: string;\n  status?: string;\n  event_types?: string[];\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentCheckoutSetupInput extends DirectRequestPaymentMerchantSetupInput {\n  create_webhook_subscription?: boolean;\n  prepare_billing_mandate?: boolean;\n  webhook_event_types?: string[];\n  webhook_description?: string;\n}\n\nexport interface DirectRequestPaymentCheckoutSetupResult {\n  merchant: DirectRequestPaymentMerchantResponse;\n  billing_mandate?: DirectRequestPaymentMerchantResponse | null;\n  webhook_subscription?: DirectRequestPaymentWebhookSubscription | null;\n  env: Record<string, string>;\n}\n\nexport interface SiglumeEnvelopeMeta {\n  request_id?: string | null;\n  trace_id?: string | null;\n  [key: string]: unknown;\n}\n\nexport interface WebhookSignatureVerification {\n  timestamp: number;\n  signature: string;\n}\n\nexport interface DirectRequestPaymentWebhookEvent {\n  id: string;\n  type: \"direct_payment.confirmed\" | string;\n  api_version: string;\n  occurred_at: string;\n  data: {\n    mode?: string;\n    merchant?: string;\n    direct_payment_requirement_id?: string;\n    requirement_id?: string;\n    challenge_hash?: string;\n    amount_minor?: number;\n    currency?: string;\n    token_symbol?: string;\n    status?: string;\n    [key: string]: unknown;\n  };\n  [key: string]: unknown;\n}\n\nexport class SiglumeDirectRequestPaymentError extends Error {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeDirectRequestPaymentError\";\n  }\n}\n\nexport class SiglumeApiError extends SiglumeDirectRequestPaymentError {\n  readonly status: number;\n  readonly code: string;\n  readonly data: unknown;\n\n  constructor(message: string, options: { status: number; code?: string; data?: unknown }) {\n    super(message);\n    this.name = \"SiglumeApiError\";\n    this.status = options.status;\n    this.code = options.code ?? \"SIGLUME_API_ERROR\";\n    this.data = options.data;\n  }\n}\n\nexport class SiglumeWebhookSignatureError extends SiglumeDirectRequestPaymentError {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeWebhookSignatureError\";\n  }\n}\n\nexport class SiglumeWebhookPayloadError extends SiglumeDirectRequestPaymentError {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeWebhookPayloadError\";\n  }\n}\n\nexport class DirectRequestPaymentClient {\n  readonly auth_token: string;\n  readonly base_url: string;\n  readonly timeout_ms: number;\n  readonly user_agent: string;\n  private readonly fetch_impl: typeof fetch;\n\n  constructor(options: DirectRequestPaymentClientOptions = {}) {\n    const authToken = options.auth_token ?? envValue(\"SIGLUME_AUTH_TOKEN\");\n    if (!authToken) {\n      throw new SiglumeDirectRequestPaymentError(\n        \"A buyer Siglume bearer token is required for Direct Request Payment API calls. Developer Portal API keys are not accepted.\",\n      );\n    }\n    const fetchImpl = options.fetch ?? globalThis.fetch;\n    if (!fetchImpl) {\n      throw new SiglumeDirectRequestPaymentError(\"A fetch implementation is required in this runtime.\");\n    }\n    this.auth_token = authToken;\n    this.base_url = (options.base_url ?? envValue(\"SIGLUME_API_BASE\") ?? DEFAULT_SIGLUME_API_BASE).replace(/\\/+$/, \"\");\n    this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15000));\n    this.user_agent = options.user_agent ?? \"@siglume/direct-request-payment/0.3.4\";\n    this.fetch_impl = fetchImpl;\n  }\n\n  async createPaymentRequirement(input: DirectPaymentRequirementCreateInput): Promise<DirectPaymentRequirement> {\n    const payload: Record<string, unknown> = {\n      mode: DIRECT_REQUEST_PAYMENT_MODE,\n      merchant: normalizeMerchant(input.merchant),\n      amount_minor: positiveInteger(input.amount_minor, \"amount_minor\"),\n      currency: normalizeCurrency(input.currency),\n      challenge: requireNonEmpty(input.challenge, \"challenge\"),\n    };\n    if (input.token_symbol !== undefined) {\n      payload.token_symbol = normalizeToken(input.token_symbol);\n    }\n    if (input.allowance_amount_minor !== undefined) {\n      payload.allowance_amount_minor = positiveInteger(input.allowance_amount_minor, \"allowance_amount_minor\");\n    }\n    if (input.metadata !== undefined) {\n      payload.metadata = cloneJsonObject(input.metadata, \"metadata\");\n    }\n    return this.request<DirectPaymentRequirement>(\"POST\", \"/sdrp/direct-payments/requirements\", payload);\n  }\n\n  async getPaymentRequirement(requirement_id: string): Promise<DirectPaymentRequirement> {\n    return this.request<DirectPaymentRequirement>(\n      \"GET\",\n      `/sdrp/direct-payments/requirements/${encodeURIComponent(requireNonEmpty(requirement_id, \"requirement_id\"))}`,\n    );\n  }\n\n  async verifyPaymentRequirement(\n    requirement_id: string,\n    input: DirectPaymentVerifyInput,\n  ): Promise<DirectPaymentRequirement> {\n    return this.request<DirectPaymentRequirement>(\n      \"POST\",\n      `/sdrp/direct-payments/requirements/${encodeURIComponent(requireNonEmpty(requirement_id, \"requirement_id\"))}/verify`,\n      input,\n    );\n  }\n\n  async executePreparedTransaction(\n    payload: Web3PreparedTransactionExecutePayload,\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.request<Web3PreparedTransactionExecuteResult>(\n      \"POST\",\n      \"/market/web3/transactions/execute-prepared\",\n      payload,\n    );\n  }\n\n  async executePaymentTransaction(\n    requirement: DirectPaymentRequirement,\n    options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.executePreparedTransaction(buildPaymentExecutionPayload(requirement, options));\n  }\n\n  async executeAllowanceTransaction(\n    requirement: DirectPaymentRequirement,\n    options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.executePreparedTransaction(buildAllowanceExecutionPayload(requirement, options));\n  }\n\n  async request<T>(method: string, path: string, json_body?: unknown): Promise<T> {\n    const controller = new AbortController();\n    const timeout = setTimeout(() => controller.abort(), this.timeout_ms);\n    try {\n      const headers: Record<string, string> = {\n        \"Accept\": \"application/json\",\n        \"Authorization\": `Bearer ${this.auth_token}`,\n        \"User-Agent\": this.user_agent,\n      };\n      let body: string | undefined;\n      if (json_body !== undefined) {\n        headers[\"Content-Type\"] = \"application/json\";\n        body = JSON.stringify(json_body);\n      }\n      const response = await this.fetch_impl(`${this.base_url}${path}`, {\n        method,\n        headers,\n        body,\n        signal: controller.signal,\n      });\n      const rawText = await response.text();\n      const parsed = rawText ? parseJson(rawText) : {};\n      if (!response.ok) {\n        const error = isRecord(parsed) && isRecord(parsed.error) ? parsed.error : {};\n        const code = stringOrNull(error.code) ?? stringOrNull((parsed as Record<string, unknown>).code) ?? `HTTP_${response.status}`;\n        const message = stringOrNull(error.message) ?? stringOrNull((parsed as Record<string, unknown>).message) ?? response.statusText;\n        throw new SiglumeApiError(message, { status: response.status, code, data: parsed });\n      }\n      if (isRecord(parsed) && \"data\" in parsed) {\n        return parsed.data as T;\n      }\n      return parsed as T;\n    } finally {\n      clearTimeout(timeout);\n    }\n  }\n}\n\nexport class DirectRequestPaymentMerchantClient {\n  readonly auth_token: string;\n  readonly base_url: string;\n  readonly timeout_ms: number;\n  readonly user_agent: string;\n  private readonly fetch_impl: typeof fetch;\n\n  constructor(options: DirectRequestPaymentClientOptions = {}) {\n    const authToken = options.auth_token ?? envValue(\"SIGLUME_MERCHANT_AUTH_TOKEN\") ?? envValue(\"SIGLUME_AUTH_TOKEN\");\n    if (!authToken) {\n      throw new SiglumeDirectRequestPaymentError(\n        \"A merchant Siglume bearer token is required for Direct Request Payment merchant setup. Developer Portal API keys are not accepted.\",\n      );\n    }\n    const fetchImpl = options.fetch ?? globalThis.fetch;\n    if (!fetchImpl) {\n      throw new SiglumeDirectRequestPaymentError(\"A fetch implementation is required in this runtime.\");\n    }\n    this.auth_token = authToken;\n    this.base_url = (options.base_url ?? envValue(\"SIGLUME_API_BASE\") ?? DEFAULT_SIGLUME_API_BASE).replace(/\\/+$/, \"\");\n    this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15000));\n    this.user_agent = options.user_agent ?? \"@siglume/direct-request-payment/0.3.4\";\n    this.fetch_impl = fetchImpl;\n  }\n\n  async setupMerchant(input: DirectRequestPaymentMerchantSetupInput): Promise<DirectRequestPaymentMerchantResponse> {\n    const payload: Record<string, unknown> = {\n      merchant: normalizeSelfServiceMerchant(input.merchant),\n      billing_plan: normalizeBillingPlan(input.billing_plan ?? \"launch\"),\n      billing_currency: normalizeCurrency(input.billing_currency ?? \"JPY\"),\n    };\n    if (input.display_name !== undefined) {\n      payload.display_name = requireNonEmpty(input.display_name, \"display_name\");\n    }\n    if (input.allowed_currencies !== undefined) {\n      payload.allowed_currencies = normalizeAllowedCurrencies(input.allowed_currencies);\n    }\n    if (input.webhook_callback_url !== undefined) {\n      payload.webhook_callback_url = requireNonEmpty(input.webhook_callback_url, \"webhook_callback_url\");\n    }\n    if (input.billing_mandate_cap_minor !== undefined) {\n      payload.billing_mandate_cap_minor = positiveInteger(input.billing_mandate_cap_minor, \"billing_mandate_cap_minor\");\n    }\n    if (input.max_amount_minor !== undefined) {\n      payload.max_amount_minor = positiveInteger(input.max_amount_minor, \"max_amount_minor\");\n    }\n    return this.request<DirectRequestPaymentMerchantResponse>(\"POST\", \"/sdrp/direct-payments/merchants\", payload);\n  }\n\n  async getMerchant(merchant: string): Promise<DirectRequestPaymentMerchantResponse> {\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"GET\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}`,\n    );\n  }\n\n  async rotateChallengeSecret(merchant: string): Promise<DirectRequestPaymentMerchantResponse> {\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"POST\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}/challenge-secret/rotate`,\n    );\n  }\n\n  async prepareBillingMandate(\n    merchant: string,\n    input: DirectRequestPaymentMerchantBillingMandateInput = {},\n  ): Promise<DirectRequestPaymentMerchantResponse> {\n    const payload: Record<string, unknown> = {};\n    if (input.currency !== undefined) {\n      payload.currency = normalizeCurrency(input.currency);\n    }\n    if (input.billing_currency !== undefined) {\n      payload.billing_currency = normalizeCurrency(input.billing_currency);\n    }\n    if (input.max_amount_minor !== undefined) {\n      payload.max_amount_minor = positiveInteger(input.max_amount_minor, \"max_amount_minor\");\n    }\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"POST\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}/billing-mandate`,\n      payload,\n    );\n  }\n\n  async createWebhookSubscription(\n    input: DirectRequestPaymentWebhookSubscriptionInput,\n  ): Promise<DirectRequestPaymentWebhookSubscription> {\n    const payload: Record<string, unknown> = {\n      callback_url: requireNonEmpty(input.callback_url, \"callback_url\"),\n      event_types: input.event_types?.length\n        ? input.event_types.map((eventType) => requireNonEmpty(eventType, \"event_type\"))\n        : [\"direct_payment.confirmed\", \"direct_payment.spent\"],\n    };\n    if (input.description !== undefined) {\n      payload.description = requireNonEmpty(input.description, \"description\");\n    }\n    if (input.metadata !== undefined) {\n      payload.metadata = cloneJsonObject(input.metadata, \"metadata\");\n    }\n    return this.request<DirectRequestPaymentWebhookSubscription>(\"POST\", \"/market/webhooks/subscriptions\", payload);\n  }\n\n  async setupCheckout(input: DirectRequestPaymentCheckoutSetupInput): Promise<DirectRequestPaymentCheckoutSetupResult> {\n    const merchant = await this.setupMerchant(input);\n    const merchantKey = merchant.merchant_account.merchant;\n    const billing_mandate = input.prepare_billing_mandate === false\n      ? null\n      : await this.prepareBillingMandate(merchantKey, {\n        billing_currency: merchant.merchant_account.billing_currency ?? input.billing_currency ?? \"JPY\",\n        max_amount_minor: input.max_amount_minor ?? input.billing_mandate_cap_minor,\n      });\n    const shouldCreateWebhook = input.create_webhook_subscription ?? Boolean(input.webhook_callback_url);\n    const webhook_subscription = shouldCreateWebhook && input.webhook_callback_url\n      ? await this.createWebhookSubscription({\n        callback_url: input.webhook_callback_url,\n        description: input.webhook_description ?? `${merchantKey} Direct Request Payment`,\n        event_types: input.webhook_event_types,\n        metadata: { merchant: merchantKey, sdk: \"@siglume/direct-request-payment\" },\n      })\n      : null;\n    const env: Record<string, string> = {\n      SIGLUME_DIRECT_PAYMENT_MERCHANT: merchantKey,\n    };\n    if (merchant.challenge_secret) {\n      env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET = merchant.challenge_secret;\n    }\n    const webhookSecret = stringOrNull(webhook_subscription?.signing_secret);\n    if (webhookSecret) {\n      env.SIGLUME_WEBHOOK_SECRET = webhookSecret;\n    }\n    return { merchant, billing_mandate, webhook_subscription, env };\n  }\n\n  async request<T>(method: string, path: string, json_body?: unknown): Promise<T> {\n    const controller = new AbortController();\n    const timeout = setTimeout(() => controller.abort(), this.timeout_ms);\n    try {\n      const headers: Record<string, string> = {\n        \"Accept\": \"application/json\",\n        \"Authorization\": `Bearer ${this.auth_token}`,\n        \"User-Agent\": this.user_agent,\n      };\n      let body: string | undefined;\n      if (json_body !== undefined) {\n        headers[\"Content-Type\"] = \"application/json\";\n        body = JSON.stringify(json_body);\n      }\n      const response = await this.fetch_impl(`${this.base_url}${path}`, {\n        method,\n        headers,\n        body,\n        signal: controller.signal,\n      });\n      const rawText = await response.text();\n      const parsed = rawText ? parseJson(rawText) : {};\n      if (!response.ok) {\n        const error = isRecord(parsed) && isRecord(parsed.error) ? parsed.error : {};\n        const code = stringOrNull(error.code) ?? stringOrNull((parsed as Record<string, unknown>).code) ?? `HTTP_${response.status}`;\n        const message = stringOrNull(error.message) ?? stringOrNull((parsed as Record<string, unknown>).message) ?? response.statusText;\n        throw new SiglumeApiError(message, { status: response.status, code, data: parsed });\n      }\n      if (isRecord(parsed) && \"data\" in parsed) {\n        return parsed.data as T;\n      }\n      return parsed as T;\n    } finally {\n      clearTimeout(timeout);\n    }\n  }\n}\n\nexport async function createDirectRequestPaymentChallenge(\n  input: DirectRequestPaymentChallengeInput,\n): Promise<DirectRequestPaymentChallenge> {\n  const merchant = normalizeMerchant(input.merchant);\n  const amount_minor = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const nonce = input.nonce ? normalizeChallengeNonce(input.nonce) : await randomNonce();\n  const signature = await createDirectRequestPaymentChallengeSignature(input.secret, {\n    merchant,\n    amount_minor,\n    currency,\n    nonce,\n  });\n  const challenge = `${DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME}:${nonce}:${signature}`;\n  return {\n    scheme: DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME,\n    merchant,\n    amount_minor,\n    currency,\n    nonce,\n    signature,\n    challenge,\n    challenge_hash: await sha256Prefixed(challenge),\n  };\n}\n\nexport async function createDirectRequestPaymentChallengeSignature(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    nonce: string;\n  },\n): Promise<string> {\n  const normalizedSecret = requireNonEmpty(secret, \"secret\");\n  const merchant = normalizeMerchant(input.merchant);\n  const amount = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const nonce = normalizeChallengeNonce(input.nonce);\n  const material = `${merchant}:${amount}:${currency}:${nonce}`;\n  return hmacSha256Hex(normalizedSecret, new TextEncoder().encode(material));\n}\n\nexport function parseDirectRequestPaymentChallenge(challenge: string): ParsedDirectRequestPaymentChallenge {\n  const parts = requireNonEmpty(challenge, \"challenge\").split(\":\");\n  if (parts.length !== 3) {\n    throw new SiglumeDirectRequestPaymentError(\"Direct Request Payment challenge must be scheme:nonce:signature.\");\n  }\n  const [scheme, nonce, signature] = parts;\n  if (!scheme || !nonce || !signature) {\n    throw new SiglumeDirectRequestPaymentError(\"Direct Request Payment challenge is incomplete.\");\n  }\n  return { scheme, nonce, signature };\n}\n\n/** Merchant-side, ONE-TIME approval of a recurring authorization: amount +\n *  currency + cadence are bound into the HMAC. Recurring charges afterwards\n *  are deliberately challenge-free; the recurring authorization and the\n *  buyer's mandate/budget caps are the per-charge integrity checks. Cadence\n *  \"monthly\" = subscription, \"daily\" = scheduled autopay approval tag. */\nexport async function createDirectRequestPaymentRecurringChallenge(\n  input: DirectRequestPaymentRecurringChallengeInput,\n): Promise<DirectRequestPaymentRecurringChallenge> {\n  const merchant = normalizeMerchant(input.merchant);\n  const amount_minor = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const cadence = normalizeRecurringCadence(input.cadence);\n  const nonce = input.nonce ? normalizeChallengeNonce(input.nonce) : await randomNonce();\n  const signature = await createDirectRequestPaymentRecurringChallengeSignature(input.secret, {\n    merchant,\n    amount_minor,\n    currency,\n    cadence,\n    nonce,\n  });\n  const challenge = `${DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME}:${nonce}:${signature}`;\n  return {\n    scheme: DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME,\n    merchant,\n    amount_minor,\n    currency,\n    cadence,\n    nonce,\n    signature,\n    challenge,\n    challenge_hash: await sha256Prefixed(challenge),\n  };\n}\n\nexport async function createDirectRequestPaymentRecurringChallengeSignature(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    cadence: DirectRequestPaymentRecurringCadence | string;\n    nonce: string;\n  },\n): Promise<string> {\n  const normalizedSecret = requireNonEmpty(secret, \"secret\");\n  const merchant = normalizeMerchant(input.merchant);\n  const amount = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const cadence = normalizeRecurringCadence(input.cadence);\n  const nonce = normalizeChallengeNonce(input.nonce);\n  // MUST stay byte-identical to the server's\n  // _external_402_recurring_challenge_signature — both sides change together.\n  const material = `${merchant}:${amount}:${currency}:${cadence}:${nonce}`;\n  return hmacSha256Hex(normalizedSecret, new TextEncoder().encode(material));\n}\n\nexport async function verifyDirectRequestPaymentRecurringChallenge(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    cadence: DirectRequestPaymentRecurringCadence | string;\n    challenge: string;\n  },\n): Promise<boolean> {\n  const parsed = parseDirectRequestPaymentChallenge(input.challenge);\n  if (parsed.scheme !== DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME) {\n    return false;\n  }\n  const expected = await createDirectRequestPaymentRecurringChallengeSignature(secret, {\n    merchant: input.merchant,\n    amount_minor: input.amount_minor,\n    currency: input.currency,\n    cadence: input.cadence,\n    nonce: parsed.nonce,\n  });\n  return timingSafeEqualHex(expected, parsed.signature);\n}\n\nexport async function verifyDirectRequestPaymentChallenge(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    challenge: string;\n  },\n): Promise<boolean> {\n  const parsed = parseDirectRequestPaymentChallenge(input.challenge);\n  if (parsed.scheme !== DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME) {\n    return false;\n  }\n  const expected = await createDirectRequestPaymentChallengeSignature(secret, {\n    merchant: input.merchant,\n    amount_minor: input.amount_minor,\n    currency: input.currency,\n    nonce: parsed.nonce,\n  });\n  return timingSafeEqualHex(expected, parsed.signature);\n}\n\nexport async function directRequestPaymentChallengeHash(challenge: string): Promise<string> {\n  return sha256Prefixed(requireNonEmpty(challenge, \"challenge\"));\n}\n\nexport async function directRequestPaymentRequestHash(input: {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  challenge: string;\n}): Promise<string> {\n  const material = `${normalizeMerchant(input.merchant)}${positiveInteger(input.amount_minor, \"amount_minor\")}${normalizeCurrency(input.currency)}${requireNonEmpty(input.challenge, \"challenge\")}`;\n  return sha256Prefixed(material);\n}\n\nexport function buildPaymentExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n): Web3PreparedTransactionExecutePayload {\n  return buildPreparedTransactionExecutionPayload(requirement, requirement.transaction_request, {\n    receipt_kind: DIRECT_REQUEST_PAYMENT_RECEIPT_KIND,\n    await_finality: options.await_finality,\n    metadata: options.metadata,\n  });\n}\n\nexport function buildAllowanceExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n): Web3PreparedTransactionExecutePayload {\n  const approveRequest = requirement.approve_transaction_request;\n  if (!approveRequest || Object.keys(approveRequest).length === 0) {\n    throw new SiglumeDirectRequestPaymentError(\"This payment requirement does not include an allowance approval transaction.\");\n  }\n  return buildPreparedTransactionExecutionPayload(requirement, approveRequest, {\n    receipt_kind: DIRECT_REQUEST_PAYMENT_ALLOWANCE_RECEIPT_KIND,\n    await_finality: options.await_finality,\n    metadata: options.metadata,\n  });\n}\n\nexport function buildPreparedTransactionExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  transaction_request: Web3TransactionRequest,\n  options: {\n    receipt_kind: string;\n    await_finality?: boolean;\n    metadata?: Record<string, unknown>;\n  },\n): Web3PreparedTransactionExecutePayload {\n  const metadata = {\n    ...(isRecord(transaction_request.metadata_jsonb) ? transaction_request.metadata_jsonb : {}),\n    ...(options.metadata ?? {}),\n  };\n  return {\n    transaction_request,\n    receipt_kind: requireNonEmpty(options.receipt_kind, \"receipt_kind\"),\n    reference_type: DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE,\n    reference_id: requirement.requirement_id,\n    metadata,\n    await_finality: Boolean(options.await_finality),\n  };\n}\n\nexport async function computeWebhookSignature(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  options: { timestamp: number },\n): Promise<string> {\n  if (!signing_secret) {\n    throw new SiglumeWebhookSignatureError(\"SIGLUME webhook signing secret is required.\");\n  }\n  const timestamp = Math.trunc(options.timestamp);\n  const bytes = bodyBytes(body);\n  const prefix = new TextEncoder().encode(`${timestamp}.`);\n  const payload = new Uint8Array(prefix.length + bytes.length);\n  payload.set(prefix, 0);\n  payload.set(bytes, prefix.length);\n  return hmacSha256Hex(signing_secret, payload);\n}\n\nexport async function buildWebhookSignatureHeader(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  options: { timestamp?: number } = {},\n): Promise<string> {\n  const timestamp = Math.trunc(options.timestamp ?? Date.now() / 1000);\n  const signature = await computeWebhookSignature(signing_secret, body, { timestamp });\n  return `t=${timestamp},v1=${signature}`;\n}\n\nexport async function verifyWebhookSignature(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  signature_header: string,\n  options: { tolerance_seconds?: number; now?: number } = {},\n): Promise<WebhookSignatureVerification> {\n  const { timestamp, signature } = parseSignatureHeader(signature_header);\n  const toleranceSeconds = Math.max(1, Math.trunc(options.tolerance_seconds ?? DEFAULT_WEBHOOK_TOLERANCE_SECONDS));\n  const nowSeconds = Math.trunc(options.now ?? Date.now() / 1000);\n  if (Math.abs(nowSeconds - timestamp) > toleranceSeconds) {\n    throw new SiglumeWebhookSignatureError(\"Webhook timestamp is outside the allowed tolerance window.\");\n  }\n  const expected = await computeWebhookSignature(signing_secret, body, { timestamp });\n  if (!(await timingSafeEqualHex(expected, signature))) {\n    throw new SiglumeWebhookSignatureError(\"Webhook signature did not match.\");\n  }\n  return { timestamp, signature };\n}\n\nexport function parseDirectRequestPaymentWebhookEvent(payload: unknown): DirectRequestPaymentWebhookEvent {\n  const event = requireRecord(payload, \"webhook event\");\n  const data = requireRecord(event.data, \"webhook event data\");\n  const parsed = {\n    ...event,\n    id: requireNonEmpty(stringOrNull(event.id) ?? \"\", \"webhook event id\"),\n    type: requireNonEmpty(stringOrNull(event.type) ?? \"\", \"webhook event type\"),\n    api_version: requireNonEmpty(stringOrNull(event.api_version) ?? \"\", \"webhook api_version\"),\n    occurred_at: requireNonEmpty(stringOrNull(event.occurred_at) ?? \"\", \"webhook occurred_at\"),\n    data: { ...data },\n  } as DirectRequestPaymentWebhookEvent;\n  if (parsed.type === \"direct_payment.confirmed\" && parsed.data.mode !== DIRECT_REQUEST_PAYMENT_MODE) {\n    throw new SiglumeWebhookPayloadError(\"direct_payment.confirmed webhook must carry data.mode='external_402'.\");\n  }\n  return parsed;\n}\n\nexport async function verifyDirectRequestPaymentWebhook(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  signature_header: string,\n  options: { tolerance_seconds?: number; now?: number } = {},\n): Promise<{ event: DirectRequestPaymentWebhookEvent; verification: WebhookSignatureVerification }> {\n  const verification = await verifyWebhookSignature(signing_secret, body, signature_header, options);\n  const text = new TextDecoder().decode(bodyBytes(body));\n  let parsed: unknown;\n  try {\n    parsed = JSON.parse(text);\n  } catch (error) {\n    throw new SiglumeWebhookPayloadError(\"Webhook body must contain valid JSON.\");\n  }\n  return { event: parseDirectRequestPaymentWebhookEvent(parsed), verification };\n}\n\nexport const createExternal402Challenge = createDirectRequestPaymentChallenge;\nexport const verifyExternal402Challenge = verifyDirectRequestPaymentChallenge;\nexport const createExternal402RecurringChallenge = createDirectRequestPaymentRecurringChallenge;\nexport const verifyExternal402RecurringChallenge = verifyDirectRequestPaymentRecurringChallenge;\n\nfunction normalizeMerchant(value: string): string {\n  const merchant = requireNonEmpty(value, \"merchant\").toLowerCase();\n  if (!/^[a-z0-9][a-z0-9._-]{0,95}$/.test(merchant)) {\n    throw new SiglumeDirectRequestPaymentError(\"merchant must be a lowercase key using letters, numbers, dot, underscore, or hyphen.\");\n  }\n  return merchant;\n}\n\nfunction normalizeSelfServiceMerchant(value: string): string {\n  const merchant = requireNonEmpty(value, \"merchant\").toLowerCase();\n  if (!/^[a-z0-9][a-z0-9_-]{2,63}$/.test(merchant)) {\n    throw new SiglumeDirectRequestPaymentError(\"merchant must be 3-64 chars using lowercase letters, numbers, underscore, or hyphen.\");\n  }\n  return merchant;\n}\n\nfunction normalizeBillingPlan(value: string): DirectRequestPaymentBillingPlan {\n  const plan = requireNonEmpty(value, \"billing_plan\").toLowerCase();\n  if (plan === \"launch\" || plan === \"free\" || plan === \"starter\" || plan === \"growth\" || plan === \"pro\") {\n    return plan;\n  }\n  throw new SiglumeDirectRequestPaymentError(\"billing_plan must be launch, starter, growth, or pro.\");\n}\n\nfunction normalizeCurrency(value: string): DirectRequestPaymentCurrency {\n  const currency = requireNonEmpty(value, \"currency\").toUpperCase();\n  if (currency !== \"JPY\" && currency !== \"USD\") {\n    throw new SiglumeDirectRequestPaymentError(\"currency must be JPY or USD.\");\n  }\n  return currency;\n}\n\nfunction normalizeToken(value: string): DirectRequestPaymentToken {\n  const token = requireNonEmpty(value, \"token_symbol\").toUpperCase();\n  if (token !== \"JPYC\" && token !== \"USDC\") {\n    throw new SiglumeDirectRequestPaymentError(\"token_symbol must be JPYC or USDC.\");\n  }\n  return token;\n}\n\nfunction normalizeAllowedCurrencies(value: Record<string, string> | Array<DirectRequestPaymentCurrency | string>): Record<string, string> {\n  const normalized: Record<string, string> = {};\n  if (Array.isArray(value)) {\n    for (const item of value) {\n      const currency = normalizeCurrency(item);\n      normalized[currency] = defaultTokenForCurrency(currency);\n    }\n  } else if (isRecord(value)) {\n    for (const [rawCurrency, rawToken] of Object.entries(value)) {\n      normalized[normalizeCurrency(rawCurrency)] = normalizeToken(String(rawToken));\n    }\n  } else {\n    throw new SiglumeDirectRequestPaymentError(\"allowed_currencies must be an array or a currency-to-token object.\");\n  }\n  if (Object.keys(normalized).length === 0) {\n    throw new SiglumeDirectRequestPaymentError(\"allowed_currencies must include at least one currency.\");\n  }\n  return normalized;\n}\n\nfunction defaultTokenForCurrency(currency: DirectRequestPaymentCurrency): DirectRequestPaymentToken {\n  return currency === \"JPY\" ? \"JPYC\" : \"USDC\";\n}\n\nfunction positiveInteger(value: number, name: string): number {\n  const parsed = Number(value);\n  if (!Number.isSafeInteger(parsed) || parsed <= 0) {\n    throw new SiglumeDirectRequestPaymentError(`${name} must be a positive safe integer.`);\n  }\n  return parsed;\n}\n\nfunction requireNonEmpty(value: string, name: string): string {\n  const text = String(value ?? \"\").trim();\n  if (!text) {\n    throw new SiglumeDirectRequestPaymentError(`${name} is required.`);\n  }\n  return text;\n}\n\nfunction normalizeChallengeNonce(value: string): string {\n  const nonce = requireNonEmpty(value, \"nonce\");\n  if (nonce.includes(\":\")) {\n    throw new SiglumeDirectRequestPaymentError(\"nonce must not contain ':'.\");\n  }\n  return nonce;\n}\n\nfunction normalizeRecurringCadence(value: string): DirectRequestPaymentRecurringCadence {\n  const cadence = requireNonEmpty(value, \"cadence\").toLowerCase();\n  if (cadence !== \"monthly\" && cadence !== \"daily\") {\n    throw new SiglumeDirectRequestPaymentError(\n      'cadence must be \"monthly\" (subscription) or \"daily\" (scheduled autopay).',\n    );\n  }\n  return cadence;\n}\n\nfunction cloneJsonObject(value: Record<string, unknown>, name: string): Record<string, unknown> {\n  try {\n    const cloned = JSON.parse(JSON.stringify(value)) as unknown;\n    if (!isRecord(cloned)) {\n      throw new Error(\"not an object\");\n    }\n    return cloned;\n  } catch (error) {\n    throw new SiglumeDirectRequestPaymentError(`${name} must be a JSON-serializable object.`);\n  }\n}\n\nfunction parseJson(rawText: string): unknown {\n  try {\n    return JSON.parse(rawText);\n  } catch (error) {\n    throw new SiglumeApiError(\"Siglume API returned invalid JSON.\", {\n      status: 502,\n      code: \"INVALID_JSON_RESPONSE\",\n      data: rawText,\n    });\n  }\n}\n\nfunction stringOrNull(value: unknown): string | null {\n  if (typeof value !== \"string\") {\n    return null;\n  }\n  const text = value.trim();\n  return text ? text : null;\n}\n\nfunction isRecord(value: unknown): value is Record<string, unknown> {\n  return typeof value === \"object\" && value !== null && !Array.isArray(value);\n}\n\nfunction requireRecord(value: unknown, name: string): Record<string, unknown> {\n  if (!isRecord(value)) {\n    throw new SiglumeWebhookPayloadError(`${name} must be an object.`);\n  }\n  return value;\n}\n\nfunction envValue(name: string): string | undefined {\n  if (typeof process === \"undefined\") {\n    return undefined;\n  }\n  const value = process.env[name];\n  return value && value.trim() ? value.trim() : undefined;\n}\n\nfunction bodyBytes(body: Uint8Array | ArrayBuffer | string | Record<string, unknown>): Uint8Array {\n  if (body instanceof Uint8Array) {\n    return body;\n  }\n  if (body instanceof ArrayBuffer) {\n    return new Uint8Array(body);\n  }\n  if (typeof body === \"string\") {\n    return new TextEncoder().encode(body);\n  }\n  if (isRecord(body)) {\n    return new TextEncoder().encode(JSON.stringify(body));\n  }\n  throw new SiglumeWebhookPayloadError(\"Webhook body must be raw bytes, a string, or a JSON object.\");\n}\n\nfunction parseSignatureHeader(signatureHeader: string): { timestamp: number; signature: string } {\n  let timestamp: number | null = null;\n  let signature: string | null = null;\n  for (const item of String(signatureHeader ?? \"\").split(\",\")) {\n    const [key, value] = item.trim().split(\"=\", 2);\n    if (key === \"t\") {\n      const parsed = Number.parseInt(value ?? \"\", 10);\n      if (!Number.isFinite(parsed)) {\n        throw new SiglumeWebhookSignatureError(\"Webhook signature timestamp is invalid.\");\n      }\n      timestamp = parsed;\n    }\n    if (key === \"v1\") {\n      signature = String(value ?? \"\").trim();\n    }\n  }\n  if (timestamp === null || !signature) {\n    throw new SiglumeWebhookSignatureError(\"Webhook signature header is incomplete.\");\n  }\n  return { timestamp, signature };\n}\n\nasync function randomNonce(): Promise<string> {\n  if (globalThis.crypto?.randomUUID) {\n    return globalThis.crypto.randomUUID();\n  }\n  const bytes = new Uint8Array(16);\n  if (globalThis.crypto?.getRandomValues) {\n    globalThis.crypto.getRandomValues(bytes);\n  } else if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    bytes.set(crypto.randomBytes(16));\n  } else {\n    throw new SiglumeDirectRequestPaymentError(\"Crypto random number generation is unavailable in this runtime.\");\n  }\n  return bytesToHex(bytes);\n}\n\nasync function hmacSha256Hex(secret: string, payload: Uint8Array): Promise<string> {\n  if (globalThis.crypto?.subtle) {\n    const stablePayload = new Uint8Array(payload.byteLength);\n    stablePayload.set(payload);\n    const key = await globalThis.crypto.subtle.importKey(\n      \"raw\",\n      new TextEncoder().encode(secret),\n      { name: \"HMAC\", hash: \"SHA-256\" },\n      false,\n      [\"sign\"],\n    );\n    const digest = await globalThis.crypto.subtle.sign(\"HMAC\", key, stablePayload);\n    return bytesToHex(new Uint8Array(digest));\n  }\n  if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    return crypto.createHmac(\"sha256\", secret).update(Buffer.from(payload)).digest(\"hex\");\n  }\n  throw new SiglumeDirectRequestPaymentError(\"Web Crypto is required for HMAC-SHA256 in this runtime.\");\n}\n\nasync function sha256Prefixed(material: string): Promise<string> {\n  const bytes = new TextEncoder().encode(material);\n  if (globalThis.crypto?.subtle) {\n    const digest = await globalThis.crypto.subtle.digest(\"SHA-256\", bytes);\n    return `sha256:${bytesToHex(new Uint8Array(digest))}`;\n  }\n  if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    return `sha256:${crypto.createHash(\"sha256\").update(Buffer.from(bytes)).digest(\"hex\")}`;\n  }\n  throw new SiglumeDirectRequestPaymentError(\"Web Crypto is required for SHA-256 in this runtime.\");\n}\n\nfunction bytesToHex(bytes: Uint8Array): string {\n  return [...bytes].map((item) => item.toString(16).padStart(2, \"0\")).join(\"\");\n}\n\nfunction hexToBytes(hex: string): Uint8Array {\n  const normalized = String(hex ?? \"\").trim().toLowerCase();\n  if (normalized.length % 2 !== 0 || !/^[0-9a-f]*$/.test(normalized)) {\n    throw new SiglumeWebhookSignatureError(\"Hex digest is invalid.\");\n  }\n  const bytes = new Uint8Array(normalized.length / 2);\n  for (let index = 0; index < normalized.length; index += 2) {\n    bytes[index / 2] = Number.parseInt(normalized.slice(index, index + 2), 16);\n  }\n  return bytes;\n}\n\nasync function timingSafeEqualHex(left: string, right: string): Promise<boolean> {\n  const leftBytes = hexToBytes(left);\n  const rightBytes = hexToBytes(right);\n  if (leftBytes.length !== rightBytes.length) {\n    return false;\n  }\n  let diff = 0;\n  for (let index = 0; index < leftBytes.length; index += 1) {\n    diff |= leftBytes[index]! ^ rightBytes[index]!;\n  }\n  return diff === 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package/dist/index.js

@@ -57,7 +57,7 @@ var DirectRequestPaymentClient = class {
     this.auth_token = authToken;
     this.base_url = (options.base_url ?? envValue("SIGLUME_API_BASE") ?? DEFAULT_SIGLUME_API_BASE).replace(/\/+$/, "");
     this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15e3));
-    this.user_agent = options.user_agent ?? "@siglume/direct-request-payment/0.3.3";
+    this.user_agent = options.user_agent ?? "@siglume/direct-request-payment/0.3.4";
     this.fetch_impl = fetchImpl;
   }
   async createPaymentRequirement(input) {
@@ -162,7 +162,7 @@ var DirectRequestPaymentMerchantClient = class {
     this.auth_token = authToken;
     this.base_url = (options.base_url ?? envValue("SIGLUME_API_BASE") ?? DEFAULT_SIGLUME_API_BASE).replace(/\/+$/, "");
     this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15e3));
-    this.user_agent = options.user_agent ?? "@siglume/direct-request-payment/0.3.3";
+    this.user_agent = options.user_agent ?? "@siglume/direct-request-payment/0.3.4";
     this.fetch_impl = fetchImpl;
   }
   async setupMerchant(input) {

package/dist/index.js.map

@@ -1 +1 @@
-{"version":3,"sources":["../src/index.ts"],"sourcesContent":["export const DEFAULT_SIGLUME_API_BASE = \"https://siglume.com/v1\";\nexport const DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME = \"siglume-external-402-v1\";\n// Recurring (subscription / scheduled autopay) approval uses a DISTINCT scheme\n// with cadence bound into the HMAC, so a one-time checkout challenge can never\n// be replayed as a recurring authorization and vice versa.\nexport const DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME = \"siglume-external-402-recurring-v1\";\nexport const DIRECT_REQUEST_PAYMENT_MODE = \"external_402\";\nexport const DIRECT_REQUEST_PAYMENT_RECEIPT_KIND = \"sdrp_direct_payment\";\nexport const DIRECT_REQUEST_PAYMENT_ALLOWANCE_RECEIPT_KIND = \"sdrp_direct_payment_allowance\";\nexport const DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE = \"sdrp_direct_payment_requirement\";\nexport const DEFAULT_WEBHOOK_TOLERANCE_SECONDS = 300;\n\nexport type DirectRequestPaymentCurrency = \"JPY\" | \"USD\";\nexport type DirectRequestPaymentToken = \"JPYC\" | \"USDC\";\n\nexport interface DirectRequestPaymentChallengeInput {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  secret: string;\n  nonce?: string;\n}\n\nexport interface DirectRequestPaymentChallenge {\n  scheme: typeof DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME;\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency;\n  nonce: string;\n  signature: string;\n  challenge: string;\n  challenge_hash: string;\n}\n\nexport interface ParsedDirectRequestPaymentChallenge {\n  scheme: string;\n  nonce: string;\n  signature: string;\n}\n\n/** \"monthly\" authorizes a Siglume-swept subscription; \"daily\" authorizes\n *  merchant-triggered scheduled autopay. It is an approval tag, not a\n *  run-count limiter. */\nexport type DirectRequestPaymentRecurringCadence = \"monthly\" | \"daily\";\n\nexport interface DirectRequestPaymentRecurringChallengeInput {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  cadence: DirectRequestPaymentRecurringCadence | string;\n  secret: string;\n  nonce?: string;\n}\n\nexport interface DirectRequestPaymentRecurringChallenge {\n  scheme: typeof DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME;\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency;\n  cadence: DirectRequestPaymentRecurringCadence;\n  nonce: string;\n  signature: string;\n  challenge: string;\n  challenge_hash: string;\n}\n\nexport interface Web3TransactionRequest {\n  network?: string;\n  chain_id?: number;\n  from?: string;\n  to?: string;\n  data?: string;\n  value?: string | number;\n  metadata_jsonb?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectPaymentRequirement {\n  direct_payment_requirement_id: string;\n  requirement_id: string;\n  id: string;\n  mode: string;\n  merchant?: string | null;\n  challenge_hash?: string | null;\n  buyer_user_id: string;\n  agent_id?: string | null;\n  product_listing_id: string;\n  listing_id: string;\n  access_grant_id?: string | null;\n  capability_key: string;\n  requirement_hash: string;\n  request_hash: string;\n  siglume_signature: string;\n  token_symbol: string;\n  currency: string;\n  amount_minor: number;\n  fee_bps: number;\n  status: string;\n  expires_at?: string | null;\n  confirmed_at?: string | null;\n  spent_at?: string | null;\n  chain_receipt_id?: string | null;\n  transaction_request: Web3TransactionRequest;\n  approve_transaction_request?: Web3TransactionRequest | null;\n  buyer_confirmation?: string | null;\n  non_custodial: boolean;\n  metadata_jsonb?: Record<string, unknown>;\n  created_at?: string | null;\n  updated_at?: string | null;\n}\n\nexport interface DirectPaymentRequirementCreateInput {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  challenge: string;\n  token_symbol?: DirectRequestPaymentToken | string;\n  allowance_amount_minor?: number;\n  metadata?: Record<string, unknown>;\n}\n\nexport interface DirectPaymentVerifyInput {\n  receipt_id?: string | null;\n  chain_receipt_id?: string | null;\n  await_finality?: boolean;\n  await_required_status?: string | null;\n  await_timeout_seconds?: number;\n  await_poll_seconds?: number;\n}\n\nexport interface Web3PreparedTransactionExecutePayload {\n  transaction_request: Web3TransactionRequest;\n  receipt_kind: string;\n  reference_type: typeof DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE;\n  reference_id: string;\n  metadata?: Record<string, unknown>;\n  await_finality?: boolean;\n}\n\nexport interface Web3PreparedTransactionExecuteResult {\n  receipt?: Record<string, unknown>;\n  finalization?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentClientOptions {\n  auth_token?: string;\n  base_url?: string;\n  fetch?: typeof fetch;\n  timeout_ms?: number;\n  user_agent?: string;\n}\n\nexport type DirectRequestPaymentBillingPlan = \"launch\" | \"free\" | \"starter\" | \"growth\" | \"pro\";\n\nexport interface DirectRequestPaymentMerchantAccount {\n  merchant_account_id: string;\n  merchant: string;\n  merchant_user_id: string;\n  user_wallet_id?: string | null;\n  billing_mandate_id?: string | null;\n  display_name?: string | null;\n  status?: string | null;\n  billing_status?: string | null;\n  billing_plan?: string | null;\n  billing_currency?: string | null;\n  token_symbol?: string | null;\n  monthly_fee_minor?: number | null;\n  settlement_fee_bps?: number | null;\n  settlement_fee_min_minor?: number | null;\n  included_monthly_payments?: number | null;\n  metadata_jsonb?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentMerchantSetupInput {\n  merchant: string;\n  display_name?: string;\n  billing_plan?: DirectRequestPaymentBillingPlan | string;\n  billing_currency?: DirectRequestPaymentCurrency | string;\n  allowed_currencies?: Record<string, string> | Array<DirectRequestPaymentCurrency | string>;\n  webhook_callback_url?: string;\n  billing_mandate_cap_minor?: number;\n  max_amount_minor?: number;\n}\n\nexport interface DirectRequestPaymentMerchantBillingMandateInput {\n  currency?: DirectRequestPaymentCurrency | string;\n  billing_currency?: DirectRequestPaymentCurrency | string;\n  max_amount_minor?: number;\n}\n\nexport interface DirectRequestPaymentMerchantResponse {\n  merchant_account: DirectRequestPaymentMerchantAccount;\n  challenge_secret?: string | null;\n  challenge_secret_created?: boolean;\n  created?: boolean | null;\n  listing_id?: string | null;\n  mandate?: Record<string, unknown> | null;\n  next_steps?: Record<string, unknown>;\n}\n\nexport interface DirectRequestPaymentWebhookSubscriptionInput {\n  callback_url: string;\n  description?: string;\n  event_types?: string[];\n  metadata?: Record<string, unknown>;\n}\n\nexport interface DirectRequestPaymentWebhookSubscription {\n  webhook_subscription_id?: string;\n  subscription_id?: string;\n  id?: string;\n  callback_url?: string;\n  signing_secret?: string;\n  status?: string;\n  event_types?: string[];\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentCheckoutSetupInput extends DirectRequestPaymentMerchantSetupInput {\n  create_webhook_subscription?: boolean;\n  prepare_billing_mandate?: boolean;\n  webhook_event_types?: string[];\n  webhook_description?: string;\n}\n\nexport interface DirectRequestPaymentCheckoutSetupResult {\n  merchant: DirectRequestPaymentMerchantResponse;\n  billing_mandate?: DirectRequestPaymentMerchantResponse | null;\n  webhook_subscription?: DirectRequestPaymentWebhookSubscription | null;\n  env: Record<string, string>;\n}\n\nexport interface SiglumeEnvelopeMeta {\n  request_id?: string | null;\n  trace_id?: string | null;\n  [key: string]: unknown;\n}\n\nexport interface WebhookSignatureVerification {\n  timestamp: number;\n  signature: string;\n}\n\nexport interface DirectRequestPaymentWebhookEvent {\n  id: string;\n  type: \"direct_payment.confirmed\" | string;\n  api_version: string;\n  occurred_at: string;\n  data: {\n    mode?: string;\n    merchant?: string;\n    direct_payment_requirement_id?: string;\n    requirement_id?: string;\n    challenge_hash?: string;\n    amount_minor?: number;\n    currency?: string;\n    token_symbol?: string;\n    status?: string;\n    [key: string]: unknown;\n  };\n  [key: string]: unknown;\n}\n\nexport class SiglumeDirectRequestPaymentError extends Error {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeDirectRequestPaymentError\";\n  }\n}\n\nexport class SiglumeApiError extends SiglumeDirectRequestPaymentError {\n  readonly status: number;\n  readonly code: string;\n  readonly data: unknown;\n\n  constructor(message: string, options: { status: number; code?: string; data?: unknown }) {\n    super(message);\n    this.name = \"SiglumeApiError\";\n    this.status = options.status;\n    this.code = options.code ?? \"SIGLUME_API_ERROR\";\n    this.data = options.data;\n  }\n}\n\nexport class SiglumeWebhookSignatureError extends SiglumeDirectRequestPaymentError {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeWebhookSignatureError\";\n  }\n}\n\nexport class SiglumeWebhookPayloadError extends SiglumeDirectRequestPaymentError {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeWebhookPayloadError\";\n  }\n}\n\nexport class DirectRequestPaymentClient {\n  readonly auth_token: string;\n  readonly base_url: string;\n  readonly timeout_ms: number;\n  readonly user_agent: string;\n  private readonly fetch_impl: typeof fetch;\n\n  constructor(options: DirectRequestPaymentClientOptions = {}) {\n    const authToken = options.auth_token ?? envValue(\"SIGLUME_AUTH_TOKEN\");\n    if (!authToken) {\n      throw new SiglumeDirectRequestPaymentError(\n        \"A buyer Siglume bearer token is required for Direct Request Payment API calls. Developer Portal API keys are not accepted.\",\n      );\n    }\n    const fetchImpl = options.fetch ?? globalThis.fetch;\n    if (!fetchImpl) {\n      throw new SiglumeDirectRequestPaymentError(\"A fetch implementation is required in this runtime.\");\n    }\n    this.auth_token = authToken;\n    this.base_url = (options.base_url ?? envValue(\"SIGLUME_API_BASE\") ?? DEFAULT_SIGLUME_API_BASE).replace(/\\/+$/, \"\");\n    this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15000));\n    this.user_agent = options.user_agent ?? \"@siglume/direct-request-payment/0.3.3\";\n    this.fetch_impl = fetchImpl;\n  }\n\n  async createPaymentRequirement(input: DirectPaymentRequirementCreateInput): Promise<DirectPaymentRequirement> {\n    const payload: Record<string, unknown> = {\n      mode: DIRECT_REQUEST_PAYMENT_MODE,\n      merchant: normalizeMerchant(input.merchant),\n      amount_minor: positiveInteger(input.amount_minor, \"amount_minor\"),\n      currency: normalizeCurrency(input.currency),\n      challenge: requireNonEmpty(input.challenge, \"challenge\"),\n    };\n    if (input.token_symbol !== undefined) {\n      payload.token_symbol = normalizeToken(input.token_symbol);\n    }\n    if (input.allowance_amount_minor !== undefined) {\n      payload.allowance_amount_minor = positiveInteger(input.allowance_amount_minor, \"allowance_amount_minor\");\n    }\n    if (input.metadata !== undefined) {\n      payload.metadata = cloneJsonObject(input.metadata, \"metadata\");\n    }\n    return this.request<DirectPaymentRequirement>(\"POST\", \"/sdrp/direct-payments/requirements\", payload);\n  }\n\n  async getPaymentRequirement(requirement_id: string): Promise<DirectPaymentRequirement> {\n    return this.request<DirectPaymentRequirement>(\n      \"GET\",\n      `/sdrp/direct-payments/requirements/${encodeURIComponent(requireNonEmpty(requirement_id, \"requirement_id\"))}`,\n    );\n  }\n\n  async verifyPaymentRequirement(\n    requirement_id: string,\n    input: DirectPaymentVerifyInput,\n  ): Promise<DirectPaymentRequirement> {\n    return this.request<DirectPaymentRequirement>(\n      \"POST\",\n      `/sdrp/direct-payments/requirements/${encodeURIComponent(requireNonEmpty(requirement_id, \"requirement_id\"))}/verify`,\n      input,\n    );\n  }\n\n  async executePreparedTransaction(\n    payload: Web3PreparedTransactionExecutePayload,\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.request<Web3PreparedTransactionExecuteResult>(\n      \"POST\",\n      \"/market/web3/transactions/execute-prepared\",\n      payload,\n    );\n  }\n\n  async executePaymentTransaction(\n    requirement: DirectPaymentRequirement,\n    options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.executePreparedTransaction(buildPaymentExecutionPayload(requirement, options));\n  }\n\n  async executeAllowanceTransaction(\n    requirement: DirectPaymentRequirement,\n    options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.executePreparedTransaction(buildAllowanceExecutionPayload(requirement, options));\n  }\n\n  async request<T>(method: string, path: string, json_body?: unknown): Promise<T> {\n    const controller = new AbortController();\n    const timeout = setTimeout(() => controller.abort(), this.timeout_ms);\n    try {\n      const headers: Record<string, string> = {\n        \"Accept\": \"application/json\",\n        \"Authorization\": `Bearer ${this.auth_token}`,\n        \"User-Agent\": this.user_agent,\n      };\n      let body: string | undefined;\n      if (json_body !== undefined) {\n        headers[\"Content-Type\"] = \"application/json\";\n        body = JSON.stringify(json_body);\n      }\n      const response = await this.fetch_impl(`${this.base_url}${path}`, {\n        method,\n        headers,\n        body,\n        signal: controller.signal,\n      });\n      const rawText = await response.text();\n      const parsed = rawText ? parseJson(rawText) : {};\n      if (!response.ok) {\n        const error = isRecord(parsed) && isRecord(parsed.error) ? parsed.error : {};\n        const code = stringOrNull(error.code) ?? stringOrNull((parsed as Record<string, unknown>).code) ?? `HTTP_${response.status}`;\n        const message = stringOrNull(error.message) ?? stringOrNull((parsed as Record<string, unknown>).message) ?? response.statusText;\n        throw new SiglumeApiError(message, { status: response.status, code, data: parsed });\n      }\n      if (isRecord(parsed) && \"data\" in parsed) {\n        return parsed.data as T;\n      }\n      return parsed as T;\n    } finally {\n      clearTimeout(timeout);\n    }\n  }\n}\n\nexport class DirectRequestPaymentMerchantClient {\n  readonly auth_token: string;\n  readonly base_url: string;\n  readonly timeout_ms: number;\n  readonly user_agent: string;\n  private readonly fetch_impl: typeof fetch;\n\n  constructor(options: DirectRequestPaymentClientOptions = {}) {\n    const authToken = options.auth_token ?? envValue(\"SIGLUME_MERCHANT_AUTH_TOKEN\") ?? envValue(\"SIGLUME_AUTH_TOKEN\");\n    if (!authToken) {\n      throw new SiglumeDirectRequestPaymentError(\n        \"A merchant Siglume bearer token is required for Direct Request Payment merchant setup. Developer Portal API keys are not accepted.\",\n      );\n    }\n    const fetchImpl = options.fetch ?? globalThis.fetch;\n    if (!fetchImpl) {\n      throw new SiglumeDirectRequestPaymentError(\"A fetch implementation is required in this runtime.\");\n    }\n    this.auth_token = authToken;\n    this.base_url = (options.base_url ?? envValue(\"SIGLUME_API_BASE\") ?? DEFAULT_SIGLUME_API_BASE).replace(/\\/+$/, \"\");\n    this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15000));\n    this.user_agent = options.user_agent ?? \"@siglume/direct-request-payment/0.3.3\";\n    this.fetch_impl = fetchImpl;\n  }\n\n  async setupMerchant(input: DirectRequestPaymentMerchantSetupInput): Promise<DirectRequestPaymentMerchantResponse> {\n    const payload: Record<string, unknown> = {\n      merchant: normalizeSelfServiceMerchant(input.merchant),\n      billing_plan: normalizeBillingPlan(input.billing_plan ?? \"launch\"),\n      billing_currency: normalizeCurrency(input.billing_currency ?? \"JPY\"),\n    };\n    if (input.display_name !== undefined) {\n      payload.display_name = requireNonEmpty(input.display_name, \"display_name\");\n    }\n    if (input.allowed_currencies !== undefined) {\n      payload.allowed_currencies = normalizeAllowedCurrencies(input.allowed_currencies);\n    }\n    if (input.webhook_callback_url !== undefined) {\n      payload.webhook_callback_url = requireNonEmpty(input.webhook_callback_url, \"webhook_callback_url\");\n    }\n    if (input.billing_mandate_cap_minor !== undefined) {\n      payload.billing_mandate_cap_minor = positiveInteger(input.billing_mandate_cap_minor, \"billing_mandate_cap_minor\");\n    }\n    if (input.max_amount_minor !== undefined) {\n      payload.max_amount_minor = positiveInteger(input.max_amount_minor, \"max_amount_minor\");\n    }\n    return this.request<DirectRequestPaymentMerchantResponse>(\"POST\", \"/sdrp/direct-payments/merchants\", payload);\n  }\n\n  async getMerchant(merchant: string): Promise<DirectRequestPaymentMerchantResponse> {\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"GET\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}`,\n    );\n  }\n\n  async rotateChallengeSecret(merchant: string): Promise<DirectRequestPaymentMerchantResponse> {\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"POST\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}/challenge-secret/rotate`,\n    );\n  }\n\n  async prepareBillingMandate(\n    merchant: string,\n    input: DirectRequestPaymentMerchantBillingMandateInput = {},\n  ): Promise<DirectRequestPaymentMerchantResponse> {\n    const payload: Record<string, unknown> = {};\n    if (input.currency !== undefined) {\n      payload.currency = normalizeCurrency(input.currency);\n    }\n    if (input.billing_currency !== undefined) {\n      payload.billing_currency = normalizeCurrency(input.billing_currency);\n    }\n    if (input.max_amount_minor !== undefined) {\n      payload.max_amount_minor = positiveInteger(input.max_amount_minor, \"max_amount_minor\");\n    }\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"POST\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}/billing-mandate`,\n      payload,\n    );\n  }\n\n  async createWebhookSubscription(\n    input: DirectRequestPaymentWebhookSubscriptionInput,\n  ): Promise<DirectRequestPaymentWebhookSubscription> {\n    const payload: Record<string, unknown> = {\n      callback_url: requireNonEmpty(input.callback_url, \"callback_url\"),\n      event_types: input.event_types?.length\n        ? input.event_types.map((eventType) => requireNonEmpty(eventType, \"event_type\"))\n        : [\"direct_payment.confirmed\", \"direct_payment.spent\"],\n    };\n    if (input.description !== undefined) {\n      payload.description = requireNonEmpty(input.description, \"description\");\n    }\n    if (input.metadata !== undefined) {\n      payload.metadata = cloneJsonObject(input.metadata, \"metadata\");\n    }\n    return this.request<DirectRequestPaymentWebhookSubscription>(\"POST\", \"/market/webhooks/subscriptions\", payload);\n  }\n\n  async setupCheckout(input: DirectRequestPaymentCheckoutSetupInput): Promise<DirectRequestPaymentCheckoutSetupResult> {\n    const merchant = await this.setupMerchant(input);\n    const merchantKey = merchant.merchant_account.merchant;\n    const billing_mandate = input.prepare_billing_mandate === false\n      ? null\n      : await this.prepareBillingMandate(merchantKey, {\n        billing_currency: merchant.merchant_account.billing_currency ?? input.billing_currency ?? \"JPY\",\n        max_amount_minor: input.max_amount_minor ?? input.billing_mandate_cap_minor,\n      });\n    const shouldCreateWebhook = input.create_webhook_subscription ?? Boolean(input.webhook_callback_url);\n    const webhook_subscription = shouldCreateWebhook && input.webhook_callback_url\n      ? await this.createWebhookSubscription({\n        callback_url: input.webhook_callback_url,\n        description: input.webhook_description ?? `${merchantKey} Direct Request Payment`,\n        event_types: input.webhook_event_types,\n        metadata: { merchant: merchantKey, sdk: \"@siglume/direct-request-payment\" },\n      })\n      : null;\n    const env: Record<string, string> = {\n      SIGLUME_DIRECT_PAYMENT_MERCHANT: merchantKey,\n    };\n    if (merchant.challenge_secret) {\n      env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET = merchant.challenge_secret;\n    }\n    const webhookSecret = stringOrNull(webhook_subscription?.signing_secret);\n    if (webhookSecret) {\n      env.SIGLUME_WEBHOOK_SECRET = webhookSecret;\n    }\n    return { merchant, billing_mandate, webhook_subscription, env };\n  }\n\n  async request<T>(method: string, path: string, json_body?: unknown): Promise<T> {\n    const controller = new AbortController();\n    const timeout = setTimeout(() => controller.abort(), this.timeout_ms);\n    try {\n      const headers: Record<string, string> = {\n        \"Accept\": \"application/json\",\n        \"Authorization\": `Bearer ${this.auth_token}`,\n        \"User-Agent\": this.user_agent,\n      };\n      let body: string | undefined;\n      if (json_body !== undefined) {\n        headers[\"Content-Type\"] = \"application/json\";\n        body = JSON.stringify(json_body);\n      }\n      const response = await this.fetch_impl(`${this.base_url}${path}`, {\n        method,\n        headers,\n        body,\n        signal: controller.signal,\n      });\n      const rawText = await response.text();\n      const parsed = rawText ? parseJson(rawText) : {};\n      if (!response.ok) {\n        const error = isRecord(parsed) && isRecord(parsed.error) ? parsed.error : {};\n        const code = stringOrNull(error.code) ?? stringOrNull((parsed as Record<string, unknown>).code) ?? `HTTP_${response.status}`;\n        const message = stringOrNull(error.message) ?? stringOrNull((parsed as Record<string, unknown>).message) ?? response.statusText;\n        throw new SiglumeApiError(message, { status: response.status, code, data: parsed });\n      }\n      if (isRecord(parsed) && \"data\" in parsed) {\n        return parsed.data as T;\n      }\n      return parsed as T;\n    } finally {\n      clearTimeout(timeout);\n    }\n  }\n}\n\nexport async function createDirectRequestPaymentChallenge(\n  input: DirectRequestPaymentChallengeInput,\n): Promise<DirectRequestPaymentChallenge> {\n  const merchant = normalizeMerchant(input.merchant);\n  const amount_minor = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const nonce = input.nonce ? normalizeChallengeNonce(input.nonce) : await randomNonce();\n  const signature = await createDirectRequestPaymentChallengeSignature(input.secret, {\n    merchant,\n    amount_minor,\n    currency,\n    nonce,\n  });\n  const challenge = `${DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME}:${nonce}:${signature}`;\n  return {\n    scheme: DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME,\n    merchant,\n    amount_minor,\n    currency,\n    nonce,\n    signature,\n    challenge,\n    challenge_hash: await sha256Prefixed(challenge),\n  };\n}\n\nexport async function createDirectRequestPaymentChallengeSignature(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    nonce: string;\n  },\n): Promise<string> {\n  const normalizedSecret = requireNonEmpty(secret, \"secret\");\n  const merchant = normalizeMerchant(input.merchant);\n  const amount = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const nonce = normalizeChallengeNonce(input.nonce);\n  const material = `${merchant}:${amount}:${currency}:${nonce}`;\n  return hmacSha256Hex(normalizedSecret, new TextEncoder().encode(material));\n}\n\nexport function parseDirectRequestPaymentChallenge(challenge: string): ParsedDirectRequestPaymentChallenge {\n  const parts = requireNonEmpty(challenge, \"challenge\").split(\":\");\n  if (parts.length !== 3) {\n    throw new SiglumeDirectRequestPaymentError(\"Direct Request Payment challenge must be scheme:nonce:signature.\");\n  }\n  const [scheme, nonce, signature] = parts;\n  if (!scheme || !nonce || !signature) {\n    throw new SiglumeDirectRequestPaymentError(\"Direct Request Payment challenge is incomplete.\");\n  }\n  return { scheme, nonce, signature };\n}\n\n/** Merchant-side, ONE-TIME approval of a recurring authorization: amount +\n *  currency + cadence are bound into the HMAC. Recurring charges afterwards\n *  are deliberately challenge-free; the recurring authorization and the\n *  buyer's mandate/budget caps are the per-charge integrity checks. Cadence\n *  \"monthly\" = subscription, \"daily\" = scheduled autopay approval tag. */\nexport async function createDirectRequestPaymentRecurringChallenge(\n  input: DirectRequestPaymentRecurringChallengeInput,\n): Promise<DirectRequestPaymentRecurringChallenge> {\n  const merchant = normalizeMerchant(input.merchant);\n  const amount_minor = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const cadence = normalizeRecurringCadence(input.cadence);\n  const nonce = input.nonce ? normalizeChallengeNonce(input.nonce) : await randomNonce();\n  const signature = await createDirectRequestPaymentRecurringChallengeSignature(input.secret, {\n    merchant,\n    amount_minor,\n    currency,\n    cadence,\n    nonce,\n  });\n  const challenge = `${DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME}:${nonce}:${signature}`;\n  return {\n    scheme: DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME,\n    merchant,\n    amount_minor,\n    currency,\n    cadence,\n    nonce,\n    signature,\n    challenge,\n    challenge_hash: await sha256Prefixed(challenge),\n  };\n}\n\nexport async function createDirectRequestPaymentRecurringChallengeSignature(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    cadence: DirectRequestPaymentRecurringCadence | string;\n    nonce: string;\n  },\n): Promise<string> {\n  const normalizedSecret = requireNonEmpty(secret, \"secret\");\n  const merchant = normalizeMerchant(input.merchant);\n  const amount = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const cadence = normalizeRecurringCadence(input.cadence);\n  const nonce = normalizeChallengeNonce(input.nonce);\n  // MUST stay byte-identical to the server's\n  // _external_402_recurring_challenge_signature — both sides change together.\n  const material = `${merchant}:${amount}:${currency}:${cadence}:${nonce}`;\n  return hmacSha256Hex(normalizedSecret, new TextEncoder().encode(material));\n}\n\nexport async function verifyDirectRequestPaymentRecurringChallenge(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    cadence: DirectRequestPaymentRecurringCadence | string;\n    challenge: string;\n  },\n): Promise<boolean> {\n  const parsed = parseDirectRequestPaymentChallenge(input.challenge);\n  if (parsed.scheme !== DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME) {\n    return false;\n  }\n  const expected = await createDirectRequestPaymentRecurringChallengeSignature(secret, {\n    merchant: input.merchant,\n    amount_minor: input.amount_minor,\n    currency: input.currency,\n    cadence: input.cadence,\n    nonce: parsed.nonce,\n  });\n  return timingSafeEqualHex(expected, parsed.signature);\n}\n\nexport async function verifyDirectRequestPaymentChallenge(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    challenge: string;\n  },\n): Promise<boolean> {\n  const parsed = parseDirectRequestPaymentChallenge(input.challenge);\n  if (parsed.scheme !== DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME) {\n    return false;\n  }\n  const expected = await createDirectRequestPaymentChallengeSignature(secret, {\n    merchant: input.merchant,\n    amount_minor: input.amount_minor,\n    currency: input.currency,\n    nonce: parsed.nonce,\n  });\n  return timingSafeEqualHex(expected, parsed.signature);\n}\n\nexport async function directRequestPaymentChallengeHash(challenge: string): Promise<string> {\n  return sha256Prefixed(requireNonEmpty(challenge, \"challenge\"));\n}\n\nexport async function directRequestPaymentRequestHash(input: {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  challenge: string;\n}): Promise<string> {\n  const material = `${normalizeMerchant(input.merchant)}${positiveInteger(input.amount_minor, \"amount_minor\")}${normalizeCurrency(input.currency)}${requireNonEmpty(input.challenge, \"challenge\")}`;\n  return sha256Prefixed(material);\n}\n\nexport function buildPaymentExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n): Web3PreparedTransactionExecutePayload {\n  return buildPreparedTransactionExecutionPayload(requirement, requirement.transaction_request, {\n    receipt_kind: DIRECT_REQUEST_PAYMENT_RECEIPT_KIND,\n    await_finality: options.await_finality,\n    metadata: options.metadata,\n  });\n}\n\nexport function buildAllowanceExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n): Web3PreparedTransactionExecutePayload {\n  const approveRequest = requirement.approve_transaction_request;\n  if (!approveRequest || Object.keys(approveRequest).length === 0) {\n    throw new SiglumeDirectRequestPaymentError(\"This payment requirement does not include an allowance approval transaction.\");\n  }\n  return buildPreparedTransactionExecutionPayload(requirement, approveRequest, {\n    receipt_kind: DIRECT_REQUEST_PAYMENT_ALLOWANCE_RECEIPT_KIND,\n    await_finality: options.await_finality,\n    metadata: options.metadata,\n  });\n}\n\nexport function buildPreparedTransactionExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  transaction_request: Web3TransactionRequest,\n  options: {\n    receipt_kind: string;\n    await_finality?: boolean;\n    metadata?: Record<string, unknown>;\n  },\n): Web3PreparedTransactionExecutePayload {\n  const metadata = {\n    ...(isRecord(transaction_request.metadata_jsonb) ? transaction_request.metadata_jsonb : {}),\n    ...(options.metadata ?? {}),\n  };\n  return {\n    transaction_request,\n    receipt_kind: requireNonEmpty(options.receipt_kind, \"receipt_kind\"),\n    reference_type: DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE,\n    reference_id: requirement.requirement_id,\n    metadata,\n    await_finality: Boolean(options.await_finality),\n  };\n}\n\nexport async function computeWebhookSignature(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  options: { timestamp: number },\n): Promise<string> {\n  if (!signing_secret) {\n    throw new SiglumeWebhookSignatureError(\"SIGLUME webhook signing secret is required.\");\n  }\n  const timestamp = Math.trunc(options.timestamp);\n  const bytes = bodyBytes(body);\n  const prefix = new TextEncoder().encode(`${timestamp}.`);\n  const payload = new Uint8Array(prefix.length + bytes.length);\n  payload.set(prefix, 0);\n  payload.set(bytes, prefix.length);\n  return hmacSha256Hex(signing_secret, payload);\n}\n\nexport async function buildWebhookSignatureHeader(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  options: { timestamp?: number } = {},\n): Promise<string> {\n  const timestamp = Math.trunc(options.timestamp ?? Date.now() / 1000);\n  const signature = await computeWebhookSignature(signing_secret, body, { timestamp });\n  return `t=${timestamp},v1=${signature}`;\n}\n\nexport async function verifyWebhookSignature(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  signature_header: string,\n  options: { tolerance_seconds?: number; now?: number } = {},\n): Promise<WebhookSignatureVerification> {\n  const { timestamp, signature } = parseSignatureHeader(signature_header);\n  const toleranceSeconds = Math.max(1, Math.trunc(options.tolerance_seconds ?? DEFAULT_WEBHOOK_TOLERANCE_SECONDS));\n  const nowSeconds = Math.trunc(options.now ?? Date.now() / 1000);\n  if (Math.abs(nowSeconds - timestamp) > toleranceSeconds) {\n    throw new SiglumeWebhookSignatureError(\"Webhook timestamp is outside the allowed tolerance window.\");\n  }\n  const expected = await computeWebhookSignature(signing_secret, body, { timestamp });\n  if (!(await timingSafeEqualHex(expected, signature))) {\n    throw new SiglumeWebhookSignatureError(\"Webhook signature did not match.\");\n  }\n  return { timestamp, signature };\n}\n\nexport function parseDirectRequestPaymentWebhookEvent(payload: unknown): DirectRequestPaymentWebhookEvent {\n  const event = requireRecord(payload, \"webhook event\");\n  const data = requireRecord(event.data, \"webhook event data\");\n  const parsed = {\n    ...event,\n    id: requireNonEmpty(stringOrNull(event.id) ?? \"\", \"webhook event id\"),\n    type: requireNonEmpty(stringOrNull(event.type) ?? \"\", \"webhook event type\"),\n    api_version: requireNonEmpty(stringOrNull(event.api_version) ?? \"\", \"webhook api_version\"),\n    occurred_at: requireNonEmpty(stringOrNull(event.occurred_at) ?? \"\", \"webhook occurred_at\"),\n    data: { ...data },\n  } as DirectRequestPaymentWebhookEvent;\n  if (parsed.type === \"direct_payment.confirmed\" && parsed.data.mode !== DIRECT_REQUEST_PAYMENT_MODE) {\n    throw new SiglumeWebhookPayloadError(\"direct_payment.confirmed webhook must carry data.mode='external_402'.\");\n  }\n  return parsed;\n}\n\nexport async function verifyDirectRequestPaymentWebhook(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  signature_header: string,\n  options: { tolerance_seconds?: number; now?: number } = {},\n): Promise<{ event: DirectRequestPaymentWebhookEvent; verification: WebhookSignatureVerification }> {\n  const verification = await verifyWebhookSignature(signing_secret, body, signature_header, options);\n  const text = new TextDecoder().decode(bodyBytes(body));\n  let parsed: unknown;\n  try {\n    parsed = JSON.parse(text);\n  } catch (error) {\n    throw new SiglumeWebhookPayloadError(\"Webhook body must contain valid JSON.\");\n  }\n  return { event: parseDirectRequestPaymentWebhookEvent(parsed), verification };\n}\n\nexport const createExternal402Challenge = createDirectRequestPaymentChallenge;\nexport const verifyExternal402Challenge = verifyDirectRequestPaymentChallenge;\nexport const createExternal402RecurringChallenge = createDirectRequestPaymentRecurringChallenge;\nexport const verifyExternal402RecurringChallenge = verifyDirectRequestPaymentRecurringChallenge;\n\nfunction normalizeMerchant(value: string): string {\n  const merchant = requireNonEmpty(value, \"merchant\").toLowerCase();\n  if (!/^[a-z0-9][a-z0-9._-]{0,95}$/.test(merchant)) {\n    throw new SiglumeDirectRequestPaymentError(\"merchant must be a lowercase key using letters, numbers, dot, underscore, or hyphen.\");\n  }\n  return merchant;\n}\n\nfunction normalizeSelfServiceMerchant(value: string): string {\n  const merchant = requireNonEmpty(value, \"merchant\").toLowerCase();\n  if (!/^[a-z0-9][a-z0-9_-]{2,63}$/.test(merchant)) {\n    throw new SiglumeDirectRequestPaymentError(\"merchant must be 3-64 chars using lowercase letters, numbers, underscore, or hyphen.\");\n  }\n  return merchant;\n}\n\nfunction normalizeBillingPlan(value: string): DirectRequestPaymentBillingPlan {\n  const plan = requireNonEmpty(value, \"billing_plan\").toLowerCase();\n  if (plan === \"launch\" || plan === \"free\" || plan === \"starter\" || plan === \"growth\" || plan === \"pro\") {\n    return plan;\n  }\n  throw new SiglumeDirectRequestPaymentError(\"billing_plan must be launch, starter, growth, or pro.\");\n}\n\nfunction normalizeCurrency(value: string): DirectRequestPaymentCurrency {\n  const currency = requireNonEmpty(value, \"currency\").toUpperCase();\n  if (currency !== \"JPY\" && currency !== \"USD\") {\n    throw new SiglumeDirectRequestPaymentError(\"currency must be JPY or USD.\");\n  }\n  return currency;\n}\n\nfunction normalizeToken(value: string): DirectRequestPaymentToken {\n  const token = requireNonEmpty(value, \"token_symbol\").toUpperCase();\n  if (token !== \"JPYC\" && token !== \"USDC\") {\n    throw new SiglumeDirectRequestPaymentError(\"token_symbol must be JPYC or USDC.\");\n  }\n  return token;\n}\n\nfunction normalizeAllowedCurrencies(value: Record<string, string> | Array<DirectRequestPaymentCurrency | string>): Record<string, string> {\n  const normalized: Record<string, string> = {};\n  if (Array.isArray(value)) {\n    for (const item of value) {\n      const currency = normalizeCurrency(item);\n      normalized[currency] = defaultTokenForCurrency(currency);\n    }\n  } else if (isRecord(value)) {\n    for (const [rawCurrency, rawToken] of Object.entries(value)) {\n      normalized[normalizeCurrency(rawCurrency)] = normalizeToken(String(rawToken));\n    }\n  } else {\n    throw new SiglumeDirectRequestPaymentError(\"allowed_currencies must be an array or a currency-to-token object.\");\n  }\n  if (Object.keys(normalized).length === 0) {\n    throw new SiglumeDirectRequestPaymentError(\"allowed_currencies must include at least one currency.\");\n  }\n  return normalized;\n}\n\nfunction defaultTokenForCurrency(currency: DirectRequestPaymentCurrency): DirectRequestPaymentToken {\n  return currency === \"JPY\" ? \"JPYC\" : \"USDC\";\n}\n\nfunction positiveInteger(value: number, name: string): number {\n  const parsed = Number(value);\n  if (!Number.isSafeInteger(parsed) || parsed <= 0) {\n    throw new SiglumeDirectRequestPaymentError(`${name} must be a positive safe integer.`);\n  }\n  return parsed;\n}\n\nfunction requireNonEmpty(value: string, name: string): string {\n  const text = String(value ?? \"\").trim();\n  if (!text) {\n    throw new SiglumeDirectRequestPaymentError(`${name} is required.`);\n  }\n  return text;\n}\n\nfunction normalizeChallengeNonce(value: string): string {\n  const nonce = requireNonEmpty(value, \"nonce\");\n  if (nonce.includes(\":\")) {\n    throw new SiglumeDirectRequestPaymentError(\"nonce must not contain ':'.\");\n  }\n  return nonce;\n}\n\nfunction normalizeRecurringCadence(value: string): DirectRequestPaymentRecurringCadence {\n  const cadence = requireNonEmpty(value, \"cadence\").toLowerCase();\n  if (cadence !== \"monthly\" && cadence !== \"daily\") {\n    throw new SiglumeDirectRequestPaymentError(\n      'cadence must be \"monthly\" (subscription) or \"daily\" (scheduled autopay).',\n    );\n  }\n  return cadence;\n}\n\nfunction cloneJsonObject(value: Record<string, unknown>, name: string): Record<string, unknown> {\n  try {\n    const cloned = JSON.parse(JSON.stringify(value)) as unknown;\n    if (!isRecord(cloned)) {\n      throw new Error(\"not an object\");\n    }\n    return cloned;\n  } catch (error) {\n    throw new SiglumeDirectRequestPaymentError(`${name} must be a JSON-serializable object.`);\n  }\n}\n\nfunction parseJson(rawText: string): unknown {\n  try {\n    return JSON.parse(rawText);\n  } catch (error) {\n    throw new SiglumeApiError(\"Siglume API returned invalid JSON.\", {\n      status: 502,\n      code: \"INVALID_JSON_RESPONSE\",\n      data: rawText,\n    });\n  }\n}\n\nfunction stringOrNull(value: unknown): string | null {\n  if (typeof value !== \"string\") {\n    return null;\n  }\n  const text = value.trim();\n  return text ? text : null;\n}\n\nfunction isRecord(value: unknown): value is Record<string, unknown> {\n  return typeof value === \"object\" && value !== null && !Array.isArray(value);\n}\n\nfunction requireRecord(value: unknown, name: string): Record<string, unknown> {\n  if (!isRecord(value)) {\n    throw new SiglumeWebhookPayloadError(`${name} must be an object.`);\n  }\n  return value;\n}\n\nfunction envValue(name: string): string | undefined {\n  if (typeof process === \"undefined\") {\n    return undefined;\n  }\n  const value = process.env[name];\n  return value && value.trim() ? value.trim() : undefined;\n}\n\nfunction bodyBytes(body: Uint8Array | ArrayBuffer | string | Record<string, unknown>): Uint8Array {\n  if (body instanceof Uint8Array) {\n    return body;\n  }\n  if (body instanceof ArrayBuffer) {\n    return new Uint8Array(body);\n  }\n  if (typeof body === \"string\") {\n    return new TextEncoder().encode(body);\n  }\n  if (isRecord(body)) {\n    return new TextEncoder().encode(JSON.stringify(body));\n  }\n  throw new SiglumeWebhookPayloadError(\"Webhook body must be raw bytes, a string, or a JSON object.\");\n}\n\nfunction parseSignatureHeader(signatureHeader: string): { timestamp: number; signature: string } {\n  let timestamp: number | null = null;\n  let signature: string | null = null;\n  for (const item of String(signatureHeader ?? \"\").split(\",\")) {\n    const [key, value] = item.trim().split(\"=\", 2);\n    if (key === \"t\") {\n      const parsed = Number.parseInt(value ?? \"\", 10);\n      if (!Number.isFinite(parsed)) {\n        throw new SiglumeWebhookSignatureError(\"Webhook signature timestamp is invalid.\");\n      }\n      timestamp = parsed;\n    }\n    if (key === \"v1\") {\n      signature = String(value ?? \"\").trim();\n    }\n  }\n  if (timestamp === null || !signature) {\n    throw new SiglumeWebhookSignatureError(\"Webhook signature header is incomplete.\");\n  }\n  return { timestamp, signature };\n}\n\nasync function randomNonce(): Promise<string> {\n  if (globalThis.crypto?.randomUUID) {\n    return globalThis.crypto.randomUUID();\n  }\n  const bytes = new Uint8Array(16);\n  if (globalThis.crypto?.getRandomValues) {\n    globalThis.crypto.getRandomValues(bytes);\n  } else if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    bytes.set(crypto.randomBytes(16));\n  } else {\n    throw new SiglumeDirectRequestPaymentError(\"Crypto random number generation is unavailable in this runtime.\");\n  }\n  return bytesToHex(bytes);\n}\n\nasync function hmacSha256Hex(secret: string, payload: Uint8Array): Promise<string> {\n  if (globalThis.crypto?.subtle) {\n    const stablePayload = new Uint8Array(payload.byteLength);\n    stablePayload.set(payload);\n    const key = await globalThis.crypto.subtle.importKey(\n      \"raw\",\n      new TextEncoder().encode(secret),\n      { name: \"HMAC\", hash: \"SHA-256\" },\n      false,\n      [\"sign\"],\n    );\n    const digest = await globalThis.crypto.subtle.sign(\"HMAC\", key, stablePayload);\n    return bytesToHex(new Uint8Array(digest));\n  }\n  if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    return crypto.createHmac(\"sha256\", secret).update(Buffer.from(payload)).digest(\"hex\");\n  }\n  throw new SiglumeDirectRequestPaymentError(\"Web Crypto is required for HMAC-SHA256 in this runtime.\");\n}\n\nasync function sha256Prefixed(material: string): Promise<string> {\n  const bytes = new TextEncoder().encode(material);\n  if (globalThis.crypto?.subtle) {\n    const digest = await globalThis.crypto.subtle.digest(\"SHA-256\", bytes);\n    return `sha256:${bytesToHex(new Uint8Array(digest))}`;\n  }\n  if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    return `sha256:${crypto.createHash(\"sha256\").update(Buffer.from(bytes)).digest(\"hex\")}`;\n  }\n  throw new SiglumeDirectRequestPaymentError(\"Web Crypto is required for SHA-256 in this runtime.\");\n}\n\nfunction bytesToHex(bytes: Uint8Array): string {\n  return [...bytes].map((item) => item.toString(16).padStart(2, \"0\")).join(\"\");\n}\n\nfunction hexToBytes(hex: string): Uint8Array {\n  const normalized = String(hex ?? \"\").trim().toLowerCase();\n  if (normalized.length % 2 !== 0 || !/^[0-9a-f]*$/.test(normalized)) {\n    throw new SiglumeWebhookSignatureError(\"Hex digest is invalid.\");\n  }\n  const bytes = new Uint8Array(normalized.length / 2);\n  for (let index = 0; index < normalized.length; index += 2) {\n    bytes[index / 2] = Number.parseInt(normalized.slice(index, index + 2), 16);\n  }\n  return bytes;\n}\n\nasync function timingSafeEqualHex(left: string, right: string): Promise<boolean> {\n  const leftBytes = hexToBytes(left);\n  const rightBytes = hexToBytes(right);\n  if (leftBytes.length !== rightBytes.length) {\n    return false;\n  }\n  let diff = 0;\n  for (let index = 0; index < leftBytes.length; index += 1) {\n    diff |= leftBytes[index]! ^ rightBytes[index]!;\n  }\n  return diff === 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It is an approval tag, not a\n *  run-count limiter. */\nexport type DirectRequestPaymentRecurringCadence = \"monthly\" | \"daily\";\n\nexport interface DirectRequestPaymentRecurringChallengeInput {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  cadence: DirectRequestPaymentRecurringCadence | string;\n  secret: string;\n  nonce?: string;\n}\n\nexport interface DirectRequestPaymentRecurringChallenge {\n  scheme: typeof DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME;\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency;\n  cadence: DirectRequestPaymentRecurringCadence;\n  nonce: string;\n  signature: string;\n  challenge: string;\n  challenge_hash: string;\n}\n\nexport interface Web3TransactionRequest {\n  network?: string;\n  chain_id?: number;\n  from?: string;\n  to?: string;\n  data?: string;\n  value?: string | number;\n  metadata_jsonb?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectPaymentRequirement {\n  direct_payment_requirement_id: string;\n  requirement_id: string;\n  id: string;\n  mode: string;\n  merchant?: string | null;\n  challenge_hash?: string | null;\n  buyer_user_id: string;\n  agent_id?: string | null;\n  product_listing_id: string;\n  listing_id: string;\n  access_grant_id?: string | null;\n  capability_key: string;\n  requirement_hash: string;\n  request_hash: string;\n  siglume_signature: string;\n  token_symbol: string;\n  currency: string;\n  amount_minor: number;\n  fee_bps: number;\n  status: string;\n  expires_at?: string | null;\n  confirmed_at?: string | null;\n  spent_at?: string | null;\n  chain_receipt_id?: string | null;\n  transaction_request: Web3TransactionRequest;\n  approve_transaction_request?: Web3TransactionRequest | null;\n  buyer_confirmation?: string | null;\n  non_custodial: boolean;\n  metadata_jsonb?: Record<string, unknown>;\n  created_at?: string | null;\n  updated_at?: string | null;\n}\n\nexport interface DirectPaymentRequirementCreateInput {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  challenge: string;\n  token_symbol?: DirectRequestPaymentToken | string;\n  allowance_amount_minor?: number;\n  metadata?: Record<string, unknown>;\n}\n\nexport interface DirectPaymentVerifyInput {\n  receipt_id?: string | null;\n  chain_receipt_id?: string | null;\n  await_finality?: boolean;\n  await_required_status?: string | null;\n  await_timeout_seconds?: number;\n  await_poll_seconds?: number;\n}\n\nexport interface Web3PreparedTransactionExecutePayload {\n  transaction_request: Web3TransactionRequest;\n  receipt_kind: string;\n  reference_type: typeof DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE;\n  reference_id: string;\n  metadata?: Record<string, unknown>;\n  await_finality?: boolean;\n}\n\nexport interface Web3PreparedTransactionExecuteResult {\n  receipt?: Record<string, unknown>;\n  finalization?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentClientOptions {\n  auth_token?: string;\n  base_url?: string;\n  fetch?: typeof fetch;\n  timeout_ms?: number;\n  user_agent?: string;\n}\n\nexport type DirectRequestPaymentBillingPlan = \"launch\" | \"free\" | \"starter\" | \"growth\" | \"pro\";\n\nexport interface DirectRequestPaymentMerchantAccount {\n  merchant_account_id: string;\n  merchant: string;\n  merchant_user_id: string;\n  user_wallet_id?: string | null;\n  billing_mandate_id?: string | null;\n  display_name?: string | null;\n  status?: string | null;\n  billing_status?: string | null;\n  billing_plan?: string | null;\n  billing_currency?: string | null;\n  token_symbol?: string | null;\n  monthly_fee_minor?: number | null;\n  settlement_fee_bps?: number | null;\n  settlement_fee_min_minor?: number | null;\n  included_monthly_payments?: number | null;\n  metadata_jsonb?: Record<string, unknown>;\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentMerchantSetupInput {\n  merchant: string;\n  display_name?: string;\n  billing_plan?: DirectRequestPaymentBillingPlan | string;\n  billing_currency?: DirectRequestPaymentCurrency | string;\n  allowed_currencies?: Record<string, string> | Array<DirectRequestPaymentCurrency | string>;\n  webhook_callback_url?: string;\n  billing_mandate_cap_minor?: number;\n  max_amount_minor?: number;\n}\n\nexport interface DirectRequestPaymentMerchantBillingMandateInput {\n  currency?: DirectRequestPaymentCurrency | string;\n  billing_currency?: DirectRequestPaymentCurrency | string;\n  max_amount_minor?: number;\n}\n\nexport interface DirectRequestPaymentMerchantResponse {\n  merchant_account: DirectRequestPaymentMerchantAccount;\n  challenge_secret?: string | null;\n  challenge_secret_created?: boolean;\n  created?: boolean | null;\n  listing_id?: string | null;\n  mandate?: Record<string, unknown> | null;\n  next_steps?: Record<string, unknown>;\n}\n\nexport interface DirectRequestPaymentWebhookSubscriptionInput {\n  callback_url: string;\n  description?: string;\n  event_types?: string[];\n  metadata?: Record<string, unknown>;\n}\n\nexport interface DirectRequestPaymentWebhookSubscription {\n  webhook_subscription_id?: string;\n  subscription_id?: string;\n  id?: string;\n  callback_url?: string;\n  signing_secret?: string;\n  status?: string;\n  event_types?: string[];\n  [key: string]: unknown;\n}\n\nexport interface DirectRequestPaymentCheckoutSetupInput extends DirectRequestPaymentMerchantSetupInput {\n  create_webhook_subscription?: boolean;\n  prepare_billing_mandate?: boolean;\n  webhook_event_types?: string[];\n  webhook_description?: string;\n}\n\nexport interface DirectRequestPaymentCheckoutSetupResult {\n  merchant: DirectRequestPaymentMerchantResponse;\n  billing_mandate?: DirectRequestPaymentMerchantResponse | null;\n  webhook_subscription?: DirectRequestPaymentWebhookSubscription | null;\n  env: Record<string, string>;\n}\n\nexport interface SiglumeEnvelopeMeta {\n  request_id?: string | null;\n  trace_id?: string | null;\n  [key: string]: unknown;\n}\n\nexport interface WebhookSignatureVerification {\n  timestamp: number;\n  signature: string;\n}\n\nexport interface DirectRequestPaymentWebhookEvent {\n  id: string;\n  type: \"direct_payment.confirmed\" | string;\n  api_version: string;\n  occurred_at: string;\n  data: {\n    mode?: string;\n    merchant?: string;\n    direct_payment_requirement_id?: string;\n    requirement_id?: string;\n    challenge_hash?: string;\n    amount_minor?: number;\n    currency?: string;\n    token_symbol?: string;\n    status?: string;\n    [key: string]: unknown;\n  };\n  [key: string]: unknown;\n}\n\nexport class SiglumeDirectRequestPaymentError extends Error {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeDirectRequestPaymentError\";\n  }\n}\n\nexport class SiglumeApiError extends SiglumeDirectRequestPaymentError {\n  readonly status: number;\n  readonly code: string;\n  readonly data: unknown;\n\n  constructor(message: string, options: { status: number; code?: string; data?: unknown }) {\n    super(message);\n    this.name = \"SiglumeApiError\";\n    this.status = options.status;\n    this.code = options.code ?? \"SIGLUME_API_ERROR\";\n    this.data = options.data;\n  }\n}\n\nexport class SiglumeWebhookSignatureError extends SiglumeDirectRequestPaymentError {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeWebhookSignatureError\";\n  }\n}\n\nexport class SiglumeWebhookPayloadError extends SiglumeDirectRequestPaymentError {\n  constructor(message: string) {\n    super(message);\n    this.name = \"SiglumeWebhookPayloadError\";\n  }\n}\n\nexport class DirectRequestPaymentClient {\n  readonly auth_token: string;\n  readonly base_url: string;\n  readonly timeout_ms: number;\n  readonly user_agent: string;\n  private readonly fetch_impl: typeof fetch;\n\n  constructor(options: DirectRequestPaymentClientOptions = {}) {\n    const authToken = options.auth_token ?? envValue(\"SIGLUME_AUTH_TOKEN\");\n    if (!authToken) {\n      throw new SiglumeDirectRequestPaymentError(\n        \"A buyer Siglume bearer token is required for Direct Request Payment API calls. Developer Portal API keys are not accepted.\",\n      );\n    }\n    const fetchImpl = options.fetch ?? globalThis.fetch;\n    if (!fetchImpl) {\n      throw new SiglumeDirectRequestPaymentError(\"A fetch implementation is required in this runtime.\");\n    }\n    this.auth_token = authToken;\n    this.base_url = (options.base_url ?? envValue(\"SIGLUME_API_BASE\") ?? DEFAULT_SIGLUME_API_BASE).replace(/\\/+$/, \"\");\n    this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15000));\n    this.user_agent = options.user_agent ?? \"@siglume/direct-request-payment/0.3.4\";\n    this.fetch_impl = fetchImpl;\n  }\n\n  async createPaymentRequirement(input: DirectPaymentRequirementCreateInput): Promise<DirectPaymentRequirement> {\n    const payload: Record<string, unknown> = {\n      mode: DIRECT_REQUEST_PAYMENT_MODE,\n      merchant: normalizeMerchant(input.merchant),\n      amount_minor: positiveInteger(input.amount_minor, \"amount_minor\"),\n      currency: normalizeCurrency(input.currency),\n      challenge: requireNonEmpty(input.challenge, \"challenge\"),\n    };\n    if (input.token_symbol !== undefined) {\n      payload.token_symbol = normalizeToken(input.token_symbol);\n    }\n    if (input.allowance_amount_minor !== undefined) {\n      payload.allowance_amount_minor = positiveInteger(input.allowance_amount_minor, \"allowance_amount_minor\");\n    }\n    if (input.metadata !== undefined) {\n      payload.metadata = cloneJsonObject(input.metadata, \"metadata\");\n    }\n    return this.request<DirectPaymentRequirement>(\"POST\", \"/sdrp/direct-payments/requirements\", payload);\n  }\n\n  async getPaymentRequirement(requirement_id: string): Promise<DirectPaymentRequirement> {\n    return this.request<DirectPaymentRequirement>(\n      \"GET\",\n      `/sdrp/direct-payments/requirements/${encodeURIComponent(requireNonEmpty(requirement_id, \"requirement_id\"))}`,\n    );\n  }\n\n  async verifyPaymentRequirement(\n    requirement_id: string,\n    input: DirectPaymentVerifyInput,\n  ): Promise<DirectPaymentRequirement> {\n    return this.request<DirectPaymentRequirement>(\n      \"POST\",\n      `/sdrp/direct-payments/requirements/${encodeURIComponent(requireNonEmpty(requirement_id, \"requirement_id\"))}/verify`,\n      input,\n    );\n  }\n\n  async executePreparedTransaction(\n    payload: Web3PreparedTransactionExecutePayload,\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.request<Web3PreparedTransactionExecuteResult>(\n      \"POST\",\n      \"/market/web3/transactions/execute-prepared\",\n      payload,\n    );\n  }\n\n  async executePaymentTransaction(\n    requirement: DirectPaymentRequirement,\n    options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.executePreparedTransaction(buildPaymentExecutionPayload(requirement, options));\n  }\n\n  async executeAllowanceTransaction(\n    requirement: DirectPaymentRequirement,\n    options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n  ): Promise<Web3PreparedTransactionExecuteResult> {\n    return this.executePreparedTransaction(buildAllowanceExecutionPayload(requirement, options));\n  }\n\n  async request<T>(method: string, path: string, json_body?: unknown): Promise<T> {\n    const controller = new AbortController();\n    const timeout = setTimeout(() => controller.abort(), this.timeout_ms);\n    try {\n      const headers: Record<string, string> = {\n        \"Accept\": \"application/json\",\n        \"Authorization\": `Bearer ${this.auth_token}`,\n        \"User-Agent\": this.user_agent,\n      };\n      let body: string | undefined;\n      if (json_body !== undefined) {\n        headers[\"Content-Type\"] = \"application/json\";\n        body = JSON.stringify(json_body);\n      }\n      const response = await this.fetch_impl(`${this.base_url}${path}`, {\n        method,\n        headers,\n        body,\n        signal: controller.signal,\n      });\n      const rawText = await response.text();\n      const parsed = rawText ? parseJson(rawText) : {};\n      if (!response.ok) {\n        const error = isRecord(parsed) && isRecord(parsed.error) ? parsed.error : {};\n        const code = stringOrNull(error.code) ?? stringOrNull((parsed as Record<string, unknown>).code) ?? `HTTP_${response.status}`;\n        const message = stringOrNull(error.message) ?? stringOrNull((parsed as Record<string, unknown>).message) ?? response.statusText;\n        throw new SiglumeApiError(message, { status: response.status, code, data: parsed });\n      }\n      if (isRecord(parsed) && \"data\" in parsed) {\n        return parsed.data as T;\n      }\n      return parsed as T;\n    } finally {\n      clearTimeout(timeout);\n    }\n  }\n}\n\nexport class DirectRequestPaymentMerchantClient {\n  readonly auth_token: string;\n  readonly base_url: string;\n  readonly timeout_ms: number;\n  readonly user_agent: string;\n  private readonly fetch_impl: typeof fetch;\n\n  constructor(options: DirectRequestPaymentClientOptions = {}) {\n    const authToken = options.auth_token ?? envValue(\"SIGLUME_MERCHANT_AUTH_TOKEN\") ?? envValue(\"SIGLUME_AUTH_TOKEN\");\n    if (!authToken) {\n      throw new SiglumeDirectRequestPaymentError(\n        \"A merchant Siglume bearer token is required for Direct Request Payment merchant setup. Developer Portal API keys are not accepted.\",\n      );\n    }\n    const fetchImpl = options.fetch ?? globalThis.fetch;\n    if (!fetchImpl) {\n      throw new SiglumeDirectRequestPaymentError(\"A fetch implementation is required in this runtime.\");\n    }\n    this.auth_token = authToken;\n    this.base_url = (options.base_url ?? envValue(\"SIGLUME_API_BASE\") ?? DEFAULT_SIGLUME_API_BASE).replace(/\\/+$/, \"\");\n    this.timeout_ms = Math.max(1, Math.trunc(options.timeout_ms ?? 15000));\n    this.user_agent = options.user_agent ?? \"@siglume/direct-request-payment/0.3.4\";\n    this.fetch_impl = fetchImpl;\n  }\n\n  async setupMerchant(input: DirectRequestPaymentMerchantSetupInput): Promise<DirectRequestPaymentMerchantResponse> {\n    const payload: Record<string, unknown> = {\n      merchant: normalizeSelfServiceMerchant(input.merchant),\n      billing_plan: normalizeBillingPlan(input.billing_plan ?? \"launch\"),\n      billing_currency: normalizeCurrency(input.billing_currency ?? \"JPY\"),\n    };\n    if (input.display_name !== undefined) {\n      payload.display_name = requireNonEmpty(input.display_name, \"display_name\");\n    }\n    if (input.allowed_currencies !== undefined) {\n      payload.allowed_currencies = normalizeAllowedCurrencies(input.allowed_currencies);\n    }\n    if (input.webhook_callback_url !== undefined) {\n      payload.webhook_callback_url = requireNonEmpty(input.webhook_callback_url, \"webhook_callback_url\");\n    }\n    if (input.billing_mandate_cap_minor !== undefined) {\n      payload.billing_mandate_cap_minor = positiveInteger(input.billing_mandate_cap_minor, \"billing_mandate_cap_minor\");\n    }\n    if (input.max_amount_minor !== undefined) {\n      payload.max_amount_minor = positiveInteger(input.max_amount_minor, \"max_amount_minor\");\n    }\n    return this.request<DirectRequestPaymentMerchantResponse>(\"POST\", \"/sdrp/direct-payments/merchants\", payload);\n  }\n\n  async getMerchant(merchant: string): Promise<DirectRequestPaymentMerchantResponse> {\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"GET\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}`,\n    );\n  }\n\n  async rotateChallengeSecret(merchant: string): Promise<DirectRequestPaymentMerchantResponse> {\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"POST\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}/challenge-secret/rotate`,\n    );\n  }\n\n  async prepareBillingMandate(\n    merchant: string,\n    input: DirectRequestPaymentMerchantBillingMandateInput = {},\n  ): Promise<DirectRequestPaymentMerchantResponse> {\n    const payload: Record<string, unknown> = {};\n    if (input.currency !== undefined) {\n      payload.currency = normalizeCurrency(input.currency);\n    }\n    if (input.billing_currency !== undefined) {\n      payload.billing_currency = normalizeCurrency(input.billing_currency);\n    }\n    if (input.max_amount_minor !== undefined) {\n      payload.max_amount_minor = positiveInteger(input.max_amount_minor, \"max_amount_minor\");\n    }\n    return this.request<DirectRequestPaymentMerchantResponse>(\n      \"POST\",\n      `/sdrp/direct-payments/merchants/${encodeURIComponent(normalizeSelfServiceMerchant(merchant))}/billing-mandate`,\n      payload,\n    );\n  }\n\n  async createWebhookSubscription(\n    input: DirectRequestPaymentWebhookSubscriptionInput,\n  ): Promise<DirectRequestPaymentWebhookSubscription> {\n    const payload: Record<string, unknown> = {\n      callback_url: requireNonEmpty(input.callback_url, \"callback_url\"),\n      event_types: input.event_types?.length\n        ? input.event_types.map((eventType) => requireNonEmpty(eventType, \"event_type\"))\n        : [\"direct_payment.confirmed\", \"direct_payment.spent\"],\n    };\n    if (input.description !== undefined) {\n      payload.description = requireNonEmpty(input.description, \"description\");\n    }\n    if (input.metadata !== undefined) {\n      payload.metadata = cloneJsonObject(input.metadata, \"metadata\");\n    }\n    return this.request<DirectRequestPaymentWebhookSubscription>(\"POST\", \"/market/webhooks/subscriptions\", payload);\n  }\n\n  async setupCheckout(input: DirectRequestPaymentCheckoutSetupInput): Promise<DirectRequestPaymentCheckoutSetupResult> {\n    const merchant = await this.setupMerchant(input);\n    const merchantKey = merchant.merchant_account.merchant;\n    const billing_mandate = input.prepare_billing_mandate === false\n      ? null\n      : await this.prepareBillingMandate(merchantKey, {\n        billing_currency: merchant.merchant_account.billing_currency ?? input.billing_currency ?? \"JPY\",\n        max_amount_minor: input.max_amount_minor ?? input.billing_mandate_cap_minor,\n      });\n    const shouldCreateWebhook = input.create_webhook_subscription ?? Boolean(input.webhook_callback_url);\n    const webhook_subscription = shouldCreateWebhook && input.webhook_callback_url\n      ? await this.createWebhookSubscription({\n        callback_url: input.webhook_callback_url,\n        description: input.webhook_description ?? `${merchantKey} Direct Request Payment`,\n        event_types: input.webhook_event_types,\n        metadata: { merchant: merchantKey, sdk: \"@siglume/direct-request-payment\" },\n      })\n      : null;\n    const env: Record<string, string> = {\n      SIGLUME_DIRECT_PAYMENT_MERCHANT: merchantKey,\n    };\n    if (merchant.challenge_secret) {\n      env.SIGLUME_DIRECT_PAYMENT_CHALLENGE_SECRET = merchant.challenge_secret;\n    }\n    const webhookSecret = stringOrNull(webhook_subscription?.signing_secret);\n    if (webhookSecret) {\n      env.SIGLUME_WEBHOOK_SECRET = webhookSecret;\n    }\n    return { merchant, billing_mandate, webhook_subscription, env };\n  }\n\n  async request<T>(method: string, path: string, json_body?: unknown): Promise<T> {\n    const controller = new AbortController();\n    const timeout = setTimeout(() => controller.abort(), this.timeout_ms);\n    try {\n      const headers: Record<string, string> = {\n        \"Accept\": \"application/json\",\n        \"Authorization\": `Bearer ${this.auth_token}`,\n        \"User-Agent\": this.user_agent,\n      };\n      let body: string | undefined;\n      if (json_body !== undefined) {\n        headers[\"Content-Type\"] = \"application/json\";\n        body = JSON.stringify(json_body);\n      }\n      const response = await this.fetch_impl(`${this.base_url}${path}`, {\n        method,\n        headers,\n        body,\n        signal: controller.signal,\n      });\n      const rawText = await response.text();\n      const parsed = rawText ? parseJson(rawText) : {};\n      if (!response.ok) {\n        const error = isRecord(parsed) && isRecord(parsed.error) ? parsed.error : {};\n        const code = stringOrNull(error.code) ?? stringOrNull((parsed as Record<string, unknown>).code) ?? `HTTP_${response.status}`;\n        const message = stringOrNull(error.message) ?? stringOrNull((parsed as Record<string, unknown>).message) ?? response.statusText;\n        throw new SiglumeApiError(message, { status: response.status, code, data: parsed });\n      }\n      if (isRecord(parsed) && \"data\" in parsed) {\n        return parsed.data as T;\n      }\n      return parsed as T;\n    } finally {\n      clearTimeout(timeout);\n    }\n  }\n}\n\nexport async function createDirectRequestPaymentChallenge(\n  input: DirectRequestPaymentChallengeInput,\n): Promise<DirectRequestPaymentChallenge> {\n  const merchant = normalizeMerchant(input.merchant);\n  const amount_minor = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const nonce = input.nonce ? normalizeChallengeNonce(input.nonce) : await randomNonce();\n  const signature = await createDirectRequestPaymentChallengeSignature(input.secret, {\n    merchant,\n    amount_minor,\n    currency,\n    nonce,\n  });\n  const challenge = `${DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME}:${nonce}:${signature}`;\n  return {\n    scheme: DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME,\n    merchant,\n    amount_minor,\n    currency,\n    nonce,\n    signature,\n    challenge,\n    challenge_hash: await sha256Prefixed(challenge),\n  };\n}\n\nexport async function createDirectRequestPaymentChallengeSignature(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    nonce: string;\n  },\n): Promise<string> {\n  const normalizedSecret = requireNonEmpty(secret, \"secret\");\n  const merchant = normalizeMerchant(input.merchant);\n  const amount = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const nonce = normalizeChallengeNonce(input.nonce);\n  const material = `${merchant}:${amount}:${currency}:${nonce}`;\n  return hmacSha256Hex(normalizedSecret, new TextEncoder().encode(material));\n}\n\nexport function parseDirectRequestPaymentChallenge(challenge: string): ParsedDirectRequestPaymentChallenge {\n  const parts = requireNonEmpty(challenge, \"challenge\").split(\":\");\n  if (parts.length !== 3) {\n    throw new SiglumeDirectRequestPaymentError(\"Direct Request Payment challenge must be scheme:nonce:signature.\");\n  }\n  const [scheme, nonce, signature] = parts;\n  if (!scheme || !nonce || !signature) {\n    throw new SiglumeDirectRequestPaymentError(\"Direct Request Payment challenge is incomplete.\");\n  }\n  return { scheme, nonce, signature };\n}\n\n/** Merchant-side, ONE-TIME approval of a recurring authorization: amount +\n *  currency + cadence are bound into the HMAC. Recurring charges afterwards\n *  are deliberately challenge-free; the recurring authorization and the\n *  buyer's mandate/budget caps are the per-charge integrity checks. Cadence\n *  \"monthly\" = subscription, \"daily\" = scheduled autopay approval tag. */\nexport async function createDirectRequestPaymentRecurringChallenge(\n  input: DirectRequestPaymentRecurringChallengeInput,\n): Promise<DirectRequestPaymentRecurringChallenge> {\n  const merchant = normalizeMerchant(input.merchant);\n  const amount_minor = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const cadence = normalizeRecurringCadence(input.cadence);\n  const nonce = input.nonce ? normalizeChallengeNonce(input.nonce) : await randomNonce();\n  const signature = await createDirectRequestPaymentRecurringChallengeSignature(input.secret, {\n    merchant,\n    amount_minor,\n    currency,\n    cadence,\n    nonce,\n  });\n  const challenge = `${DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME}:${nonce}:${signature}`;\n  return {\n    scheme: DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME,\n    merchant,\n    amount_minor,\n    currency,\n    cadence,\n    nonce,\n    signature,\n    challenge,\n    challenge_hash: await sha256Prefixed(challenge),\n  };\n}\n\nexport async function createDirectRequestPaymentRecurringChallengeSignature(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    cadence: DirectRequestPaymentRecurringCadence | string;\n    nonce: string;\n  },\n): Promise<string> {\n  const normalizedSecret = requireNonEmpty(secret, \"secret\");\n  const merchant = normalizeMerchant(input.merchant);\n  const amount = positiveInteger(input.amount_minor, \"amount_minor\");\n  const currency = normalizeCurrency(input.currency);\n  const cadence = normalizeRecurringCadence(input.cadence);\n  const nonce = normalizeChallengeNonce(input.nonce);\n  // MUST stay byte-identical to the server's\n  // _external_402_recurring_challenge_signature — both sides change together.\n  const material = `${merchant}:${amount}:${currency}:${cadence}:${nonce}`;\n  return hmacSha256Hex(normalizedSecret, new TextEncoder().encode(material));\n}\n\nexport async function verifyDirectRequestPaymentRecurringChallenge(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    cadence: DirectRequestPaymentRecurringCadence | string;\n    challenge: string;\n  },\n): Promise<boolean> {\n  const parsed = parseDirectRequestPaymentChallenge(input.challenge);\n  if (parsed.scheme !== DIRECT_REQUEST_PAYMENT_RECURRING_CHALLENGE_SCHEME) {\n    return false;\n  }\n  const expected = await createDirectRequestPaymentRecurringChallengeSignature(secret, {\n    merchant: input.merchant,\n    amount_minor: input.amount_minor,\n    currency: input.currency,\n    cadence: input.cadence,\n    nonce: parsed.nonce,\n  });\n  return timingSafeEqualHex(expected, parsed.signature);\n}\n\nexport async function verifyDirectRequestPaymentChallenge(\n  secret: string,\n  input: {\n    merchant: string;\n    amount_minor: number;\n    currency: DirectRequestPaymentCurrency | string;\n    challenge: string;\n  },\n): Promise<boolean> {\n  const parsed = parseDirectRequestPaymentChallenge(input.challenge);\n  if (parsed.scheme !== DIRECT_REQUEST_PAYMENT_CHALLENGE_SCHEME) {\n    return false;\n  }\n  const expected = await createDirectRequestPaymentChallengeSignature(secret, {\n    merchant: input.merchant,\n    amount_minor: input.amount_minor,\n    currency: input.currency,\n    nonce: parsed.nonce,\n  });\n  return timingSafeEqualHex(expected, parsed.signature);\n}\n\nexport async function directRequestPaymentChallengeHash(challenge: string): Promise<string> {\n  return sha256Prefixed(requireNonEmpty(challenge, \"challenge\"));\n}\n\nexport async function directRequestPaymentRequestHash(input: {\n  merchant: string;\n  amount_minor: number;\n  currency: DirectRequestPaymentCurrency | string;\n  challenge: string;\n}): Promise<string> {\n  const material = `${normalizeMerchant(input.merchant)}${positiveInteger(input.amount_minor, \"amount_minor\")}${normalizeCurrency(input.currency)}${requireNonEmpty(input.challenge, \"challenge\")}`;\n  return sha256Prefixed(material);\n}\n\nexport function buildPaymentExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n): Web3PreparedTransactionExecutePayload {\n  return buildPreparedTransactionExecutionPayload(requirement, requirement.transaction_request, {\n    receipt_kind: DIRECT_REQUEST_PAYMENT_RECEIPT_KIND,\n    await_finality: options.await_finality,\n    metadata: options.metadata,\n  });\n}\n\nexport function buildAllowanceExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  options: { await_finality?: boolean; metadata?: Record<string, unknown> } = {},\n): Web3PreparedTransactionExecutePayload {\n  const approveRequest = requirement.approve_transaction_request;\n  if (!approveRequest || Object.keys(approveRequest).length === 0) {\n    throw new SiglumeDirectRequestPaymentError(\"This payment requirement does not include an allowance approval transaction.\");\n  }\n  return buildPreparedTransactionExecutionPayload(requirement, approveRequest, {\n    receipt_kind: DIRECT_REQUEST_PAYMENT_ALLOWANCE_RECEIPT_KIND,\n    await_finality: options.await_finality,\n    metadata: options.metadata,\n  });\n}\n\nexport function buildPreparedTransactionExecutionPayload(\n  requirement: DirectPaymentRequirement,\n  transaction_request: Web3TransactionRequest,\n  options: {\n    receipt_kind: string;\n    await_finality?: boolean;\n    metadata?: Record<string, unknown>;\n  },\n): Web3PreparedTransactionExecutePayload {\n  const metadata = {\n    ...(isRecord(transaction_request.metadata_jsonb) ? transaction_request.metadata_jsonb : {}),\n    ...(options.metadata ?? {}),\n  };\n  return {\n    transaction_request,\n    receipt_kind: requireNonEmpty(options.receipt_kind, \"receipt_kind\"),\n    reference_type: DIRECT_REQUEST_PAYMENT_REFERENCE_TYPE,\n    reference_id: requirement.requirement_id,\n    metadata,\n    await_finality: Boolean(options.await_finality),\n  };\n}\n\nexport async function computeWebhookSignature(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  options: { timestamp: number },\n): Promise<string> {\n  if (!signing_secret) {\n    throw new SiglumeWebhookSignatureError(\"SIGLUME webhook signing secret is required.\");\n  }\n  const timestamp = Math.trunc(options.timestamp);\n  const bytes = bodyBytes(body);\n  const prefix = new TextEncoder().encode(`${timestamp}.`);\n  const payload = new Uint8Array(prefix.length + bytes.length);\n  payload.set(prefix, 0);\n  payload.set(bytes, prefix.length);\n  return hmacSha256Hex(signing_secret, payload);\n}\n\nexport async function buildWebhookSignatureHeader(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  options: { timestamp?: number } = {},\n): Promise<string> {\n  const timestamp = Math.trunc(options.timestamp ?? Date.now() / 1000);\n  const signature = await computeWebhookSignature(signing_secret, body, { timestamp });\n  return `t=${timestamp},v1=${signature}`;\n}\n\nexport async function verifyWebhookSignature(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  signature_header: string,\n  options: { tolerance_seconds?: number; now?: number } = {},\n): Promise<WebhookSignatureVerification> {\n  const { timestamp, signature } = parseSignatureHeader(signature_header);\n  const toleranceSeconds = Math.max(1, Math.trunc(options.tolerance_seconds ?? DEFAULT_WEBHOOK_TOLERANCE_SECONDS));\n  const nowSeconds = Math.trunc(options.now ?? Date.now() / 1000);\n  if (Math.abs(nowSeconds - timestamp) > toleranceSeconds) {\n    throw new SiglumeWebhookSignatureError(\"Webhook timestamp is outside the allowed tolerance window.\");\n  }\n  const expected = await computeWebhookSignature(signing_secret, body, { timestamp });\n  if (!(await timingSafeEqualHex(expected, signature))) {\n    throw new SiglumeWebhookSignatureError(\"Webhook signature did not match.\");\n  }\n  return { timestamp, signature };\n}\n\nexport function parseDirectRequestPaymentWebhookEvent(payload: unknown): DirectRequestPaymentWebhookEvent {\n  const event = requireRecord(payload, \"webhook event\");\n  const data = requireRecord(event.data, \"webhook event data\");\n  const parsed = {\n    ...event,\n    id: requireNonEmpty(stringOrNull(event.id) ?? \"\", \"webhook event id\"),\n    type: requireNonEmpty(stringOrNull(event.type) ?? \"\", \"webhook event type\"),\n    api_version: requireNonEmpty(stringOrNull(event.api_version) ?? \"\", \"webhook api_version\"),\n    occurred_at: requireNonEmpty(stringOrNull(event.occurred_at) ?? \"\", \"webhook occurred_at\"),\n    data: { ...data },\n  } as DirectRequestPaymentWebhookEvent;\n  if (parsed.type === \"direct_payment.confirmed\" && parsed.data.mode !== DIRECT_REQUEST_PAYMENT_MODE) {\n    throw new SiglumeWebhookPayloadError(\"direct_payment.confirmed webhook must carry data.mode='external_402'.\");\n  }\n  return parsed;\n}\n\nexport async function verifyDirectRequestPaymentWebhook(\n  signing_secret: string,\n  body: Uint8Array | ArrayBuffer | string | Record<string, unknown>,\n  signature_header: string,\n  options: { tolerance_seconds?: number; now?: number } = {},\n): Promise<{ event: DirectRequestPaymentWebhookEvent; verification: WebhookSignatureVerification }> {\n  const verification = await verifyWebhookSignature(signing_secret, body, signature_header, options);\n  const text = new TextDecoder().decode(bodyBytes(body));\n  let parsed: unknown;\n  try {\n    parsed = JSON.parse(text);\n  } catch (error) {\n    throw new SiglumeWebhookPayloadError(\"Webhook body must contain valid JSON.\");\n  }\n  return { event: parseDirectRequestPaymentWebhookEvent(parsed), verification };\n}\n\nexport const createExternal402Challenge = createDirectRequestPaymentChallenge;\nexport const verifyExternal402Challenge = verifyDirectRequestPaymentChallenge;\nexport const createExternal402RecurringChallenge = createDirectRequestPaymentRecurringChallenge;\nexport const verifyExternal402RecurringChallenge = verifyDirectRequestPaymentRecurringChallenge;\n\nfunction normalizeMerchant(value: string): string {\n  const merchant = requireNonEmpty(value, \"merchant\").toLowerCase();\n  if (!/^[a-z0-9][a-z0-9._-]{0,95}$/.test(merchant)) {\n    throw new SiglumeDirectRequestPaymentError(\"merchant must be a lowercase key using letters, numbers, dot, underscore, or hyphen.\");\n  }\n  return merchant;\n}\n\nfunction normalizeSelfServiceMerchant(value: string): string {\n  const merchant = requireNonEmpty(value, \"merchant\").toLowerCase();\n  if (!/^[a-z0-9][a-z0-9_-]{2,63}$/.test(merchant)) {\n    throw new SiglumeDirectRequestPaymentError(\"merchant must be 3-64 chars using lowercase letters, numbers, underscore, or hyphen.\");\n  }\n  return merchant;\n}\n\nfunction normalizeBillingPlan(value: string): DirectRequestPaymentBillingPlan {\n  const plan = requireNonEmpty(value, \"billing_plan\").toLowerCase();\n  if (plan === \"launch\" || plan === \"free\" || plan === \"starter\" || plan === \"growth\" || plan === \"pro\") {\n    return plan;\n  }\n  throw new SiglumeDirectRequestPaymentError(\"billing_plan must be launch, starter, growth, or pro.\");\n}\n\nfunction normalizeCurrency(value: string): DirectRequestPaymentCurrency {\n  const currency = requireNonEmpty(value, \"currency\").toUpperCase();\n  if (currency !== \"JPY\" && currency !== \"USD\") {\n    throw new SiglumeDirectRequestPaymentError(\"currency must be JPY or USD.\");\n  }\n  return currency;\n}\n\nfunction normalizeToken(value: string): DirectRequestPaymentToken {\n  const token = requireNonEmpty(value, \"token_symbol\").toUpperCase();\n  if (token !== \"JPYC\" && token !== \"USDC\") {\n    throw new SiglumeDirectRequestPaymentError(\"token_symbol must be JPYC or USDC.\");\n  }\n  return token;\n}\n\nfunction normalizeAllowedCurrencies(value: Record<string, string> | Array<DirectRequestPaymentCurrency | string>): Record<string, string> {\n  const normalized: Record<string, string> = {};\n  if (Array.isArray(value)) {\n    for (const item of value) {\n      const currency = normalizeCurrency(item);\n      normalized[currency] = defaultTokenForCurrency(currency);\n    }\n  } else if (isRecord(value)) {\n    for (const [rawCurrency, rawToken] of Object.entries(value)) {\n      normalized[normalizeCurrency(rawCurrency)] = normalizeToken(String(rawToken));\n    }\n  } else {\n    throw new SiglumeDirectRequestPaymentError(\"allowed_currencies must be an array or a currency-to-token object.\");\n  }\n  if (Object.keys(normalized).length === 0) {\n    throw new SiglumeDirectRequestPaymentError(\"allowed_currencies must include at least one currency.\");\n  }\n  return normalized;\n}\n\nfunction defaultTokenForCurrency(currency: DirectRequestPaymentCurrency): DirectRequestPaymentToken {\n  return currency === \"JPY\" ? \"JPYC\" : \"USDC\";\n}\n\nfunction positiveInteger(value: number, name: string): number {\n  const parsed = Number(value);\n  if (!Number.isSafeInteger(parsed) || parsed <= 0) {\n    throw new SiglumeDirectRequestPaymentError(`${name} must be a positive safe integer.`);\n  }\n  return parsed;\n}\n\nfunction requireNonEmpty(value: string, name: string): string {\n  const text = String(value ?? \"\").trim();\n  if (!text) {\n    throw new SiglumeDirectRequestPaymentError(`${name} is required.`);\n  }\n  return text;\n}\n\nfunction normalizeChallengeNonce(value: string): string {\n  const nonce = requireNonEmpty(value, \"nonce\");\n  if (nonce.includes(\":\")) {\n    throw new SiglumeDirectRequestPaymentError(\"nonce must not contain ':'.\");\n  }\n  return nonce;\n}\n\nfunction normalizeRecurringCadence(value: string): DirectRequestPaymentRecurringCadence {\n  const cadence = requireNonEmpty(value, \"cadence\").toLowerCase();\n  if (cadence !== \"monthly\" && cadence !== \"daily\") {\n    throw new SiglumeDirectRequestPaymentError(\n      'cadence must be \"monthly\" (subscription) or \"daily\" (scheduled autopay).',\n    );\n  }\n  return cadence;\n}\n\nfunction cloneJsonObject(value: Record<string, unknown>, name: string): Record<string, unknown> {\n  try {\n    const cloned = JSON.parse(JSON.stringify(value)) as unknown;\n    if (!isRecord(cloned)) {\n      throw new Error(\"not an object\");\n    }\n    return cloned;\n  } catch (error) {\n    throw new SiglumeDirectRequestPaymentError(`${name} must be a JSON-serializable object.`);\n  }\n}\n\nfunction parseJson(rawText: string): unknown {\n  try {\n    return JSON.parse(rawText);\n  } catch (error) {\n    throw new SiglumeApiError(\"Siglume API returned invalid JSON.\", {\n      status: 502,\n      code: \"INVALID_JSON_RESPONSE\",\n      data: rawText,\n    });\n  }\n}\n\nfunction stringOrNull(value: unknown): string | null {\n  if (typeof value !== \"string\") {\n    return null;\n  }\n  const text = value.trim();\n  return text ? text : null;\n}\n\nfunction isRecord(value: unknown): value is Record<string, unknown> {\n  return typeof value === \"object\" && value !== null && !Array.isArray(value);\n}\n\nfunction requireRecord(value: unknown, name: string): Record<string, unknown> {\n  if (!isRecord(value)) {\n    throw new SiglumeWebhookPayloadError(`${name} must be an object.`);\n  }\n  return value;\n}\n\nfunction envValue(name: string): string | undefined {\n  if (typeof process === \"undefined\") {\n    return undefined;\n  }\n  const value = process.env[name];\n  return value && value.trim() ? value.trim() : undefined;\n}\n\nfunction bodyBytes(body: Uint8Array | ArrayBuffer | string | Record<string, unknown>): Uint8Array {\n  if (body instanceof Uint8Array) {\n    return body;\n  }\n  if (body instanceof ArrayBuffer) {\n    return new Uint8Array(body);\n  }\n  if (typeof body === \"string\") {\n    return new TextEncoder().encode(body);\n  }\n  if (isRecord(body)) {\n    return new TextEncoder().encode(JSON.stringify(body));\n  }\n  throw new SiglumeWebhookPayloadError(\"Webhook body must be raw bytes, a string, or a JSON object.\");\n}\n\nfunction parseSignatureHeader(signatureHeader: string): { timestamp: number; signature: string } {\n  let timestamp: number | null = null;\n  let signature: string | null = null;\n  for (const item of String(signatureHeader ?? \"\").split(\",\")) {\n    const [key, value] = item.trim().split(\"=\", 2);\n    if (key === \"t\") {\n      const parsed = Number.parseInt(value ?? \"\", 10);\n      if (!Number.isFinite(parsed)) {\n        throw new SiglumeWebhookSignatureError(\"Webhook signature timestamp is invalid.\");\n      }\n      timestamp = parsed;\n    }\n    if (key === \"v1\") {\n      signature = String(value ?? \"\").trim();\n    }\n  }\n  if (timestamp === null || !signature) {\n    throw new SiglumeWebhookSignatureError(\"Webhook signature header is incomplete.\");\n  }\n  return { timestamp, signature };\n}\n\nasync function randomNonce(): Promise<string> {\n  if (globalThis.crypto?.randomUUID) {\n    return globalThis.crypto.randomUUID();\n  }\n  const bytes = new Uint8Array(16);\n  if (globalThis.crypto?.getRandomValues) {\n    globalThis.crypto.getRandomValues(bytes);\n  } else if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    bytes.set(crypto.randomBytes(16));\n  } else {\n    throw new SiglumeDirectRequestPaymentError(\"Crypto random number generation is unavailable in this runtime.\");\n  }\n  return bytesToHex(bytes);\n}\n\nasync function hmacSha256Hex(secret: string, payload: Uint8Array): Promise<string> {\n  if (globalThis.crypto?.subtle) {\n    const stablePayload = new Uint8Array(payload.byteLength);\n    stablePayload.set(payload);\n    const key = await globalThis.crypto.subtle.importKey(\n      \"raw\",\n      new TextEncoder().encode(secret),\n      { name: \"HMAC\", hash: \"SHA-256\" },\n      false,\n      [\"sign\"],\n    );\n    const digest = await globalThis.crypto.subtle.sign(\"HMAC\", key, stablePayload);\n    return bytesToHex(new Uint8Array(digest));\n  }\n  if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    return crypto.createHmac(\"sha256\", secret).update(Buffer.from(payload)).digest(\"hex\");\n  }\n  throw new SiglumeDirectRequestPaymentError(\"Web Crypto is required for HMAC-SHA256 in this runtime.\");\n}\n\nasync function sha256Prefixed(material: string): Promise<string> {\n  const bytes = new TextEncoder().encode(material);\n  if (globalThis.crypto?.subtle) {\n    const digest = await globalThis.crypto.subtle.digest(\"SHA-256\", bytes);\n    return `sha256:${bytesToHex(new Uint8Array(digest))}`;\n  }\n  if (typeof process !== \"undefined\" && process.versions?.node) {\n    const crypto = await import(\"node:crypto\");\n    return `sha256:${crypto.createHash(\"sha256\").update(Buffer.from(bytes)).digest(\"hex\")}`;\n  }\n  throw new SiglumeDirectRequestPaymentError(\"Web Crypto is required for SHA-256 in this runtime.\");\n}\n\nfunction bytesToHex(bytes: Uint8Array): string {\n  return [...bytes].map((item) => item.toString(16).padStart(2, \"0\")).join(\"\");\n}\n\nfunction hexToBytes(hex: string): Uint8Array {\n  const normalized = String(hex ?? \"\").trim().toLowerCase();\n  if (normalized.length % 2 !== 0 || !/^[0-9a-f]*$/.test(normalized)) {\n    throw new SiglumeWebhookSignatureError(\"Hex digest is invalid.\");\n  }\n  const bytes = new Uint8Array(normalized.length / 2);\n  for (let index = 0; index < normalized.length; index += 2) {\n    bytes[index / 2] = Number.parseInt(normalized.slice(index, index + 2), 16);\n  }\n  return bytes;\n}\n\nasync function timingSafeEqualHex(left: string, right: string): Promise<boolean> {\n  const leftBytes = hexToBytes(left);\n  const rightBytes = hexToBytes(right);\n  if (leftBytes.length !== rightBytes.length) {\n    return false;\n  }\n  let diff = 0;\n  for (let index = 0; index < leftBytes.length; index += 1) {\n    diff |= leftBytes[index]! ^ rightBytes[index]!;\n  }\n  return diff === 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package/docs/announcement-ja.md

@@ -25,15 +25,17 @@ Developer Portal の `cli_` API key を使うSDKではありません。導入
 
 ## SDRP内の位置づけ
 
-SDRP は全体プロトコル名です。このSDKは外部merchant向けの Standard Payment / 通常決済を扱います。
+Siglume Direct Request Payment は、merchantが注文・金額・通貨をサーバー側で確定し、buyerがSiglumeウォレットで支払い、Siglumeが決済金額に応じて料金と精算方法を自動適用するSDRP決済プロトコルです。
 
-| SDRPメニュー | 金額帯 | 精算 |
-| --- | --- | --- |
-| Standard Payment / 通常決済 | JPY 500超 / USD 3.00超、または即時finalityが必要な決済 | DirectPaymentHubで即時オンチェーン分配 |
-| Micro Payment / マイクロペイメント | JPY 50-500 / 約USD 0.30-3.00 | SDRPのmeter gate後、週次後精算 |
-| Nano Payment / ナノペイメント | JPY 1未満-49 / USD 0.01未満-約USD 0.30 | SDRPのmeter gate後、月次後精算 |
+選択が必要なのは Standard Payment / 通常決済領域のプランだけです。Micro Payment / Nano Payment は別途選ぶものではなく、金額帯によって自動適用されます。
 
-Micro Payment / Nano Payment はこのMerchant SDKのcheckout flowではありません。API実行前にSDRPのmeter gateを通し、予算やscopeに失敗した場合は `rejected_no_charge` として記録され、provider APIは呼ばれません。
+| 決済金額 | 自動適用 | 選択するもの | 料金 | 精算 |
+| --- | --- | --- | --- | --- |
+| JPY 500超 / USD 3.00超、または即時finalityが必要 | Standard Payment / 通常決済 | Launch / Starter / Growth / Pro から1つ | Launch 1.8%、Starter 1.0%、Growth 0.7%、Pro 0.5%。最低 JPY 30 / USD 0.20 | DirectPaymentHubで即時オンチェーン分配 |
+| JPY 50-500 / 約USD 0.30-3.00 | Micro Payment / マイクロペイメント | 選択不要。金額で自動適用 | USD 0.01 / Tx、約JPY 2 | meter gate後、週次後精算 |
+| JPY 1未満-49 / USD 0.01未満-約USD 0.30 | Nano Payment / ナノペイメント | 選択不要。金額で自動適用 | USD 0.001 / usage、約JPY 0.2 | meter gate後、月次後精算 |
+
+Micro / Nano ではAPI実行前にSDRPのmeter gateを通し、予算やscopeに失敗した場合は `rejected_no_charge` として記録され、provider APIは呼ばれません。
 
 ## 最短導入
 

package/docs/pricing.md

@@ -5,9 +5,9 @@ Payment as of 2026-06-18. Pricing can change by agreement or future product
 release; the Siglume platform response is the source of truth for per-payment
 fee data returned at runtime.
 
-These prices apply to **SDRP Standard Payment** through the external merchant
-Direct Request Payment SDK. They do not apply to Micro Payment or Nano Payment
-usage events.
+Pricing has one structure: a merchant selects the Standard Payment plan during
+setup, then Siglume applies the fee for each payment by amount. Micro Payment
+and Nano Payment are automatic amount bands, not separate choices.
 
 ## Settlement Currencies
 
@@ -22,37 +22,18 @@ percentage (the payment fee column below) is identical in both currencies. Only
 the flat amounts — the monthly base fee and the per-payment minimum fee — are
 quoted per currency.
 
-## SDRP Menu Boundary
+## Pricing Table
 
-SDRP is the protocol family. This SDK is for external-merchant Standard Payment:
-one buyer-approved payment, subscription charge, or scheduled-autopay occurrence
-settles through DirectPaymentHub.
-
-| SDRP menu | Amount band | Fee model | Settlement cadence |
-| --- | --- | --- | --- |
-| Standard Payment | Over JPY 500 / over USD 3.00, or immediate finality required | Merchant plan percentage with JPY 30 / USD 0.20 minimum | Immediate ordinary wallet settlement |
-| Micro Payment | JPY 50-500 / about USD 0.30-3.00 | USD 0.01 / accepted Tx, about JPY 2 | SDRP internal meter, weekly delayed settlement |
-| Nano Payment | Under JPY 1 to JPY 49 / under USD 0.01 to about USD 0.30 | USD 0.001 / accepted usage, about JPY 0.2 | SDRP internal meter, monthly delayed settlement |
+| Payment amount | Applied automatically | What you select | Fee | Settlement |
+| --- | --- | --- | --- | --- |
+| Over JPY 500 / over USD 3.00, or whenever immediate finality is required | Standard Payment | Select one Standard plan: Launch, Starter, Growth, or Pro | Launch: JPY 0 / USD 0 monthly, 1.8%; Starter: JPY 980 / USD 6 monthly, 1.0%; Growth: JPY 2,980 / USD 18 monthly, 0.7%; Pro: JPY 9,800 / USD 60 monthly, 0.5%. Minimum JPY 30 / USD 0.20 per payment. | Immediate on-chain split through DirectPaymentHub after payment confirmation |
+| JPY 50-500 / about USD 0.30-3.00 | Micro Payment | No selection. Applied automatically by amount. | USD 0.01 / Tx, about JPY 2 | Meter gate before provider execution; weekly delayed settlement |
+| Under JPY 1 to JPY 49 / under USD 0.01 to about USD 0.30 | Nano Payment | No selection. Applied automatically by amount. | USD 0.001 / usage, about JPY 0.2 | Meter gate before provider execution; monthly delayed settlement |
 
 For Micro Payment and Nano Payment, the SDRP meter gate runs before provider
 execution. Budget or scope failures are recorded as `rejected_no_charge`; the
 provider API is not called and no pending provider revenue is created.
 
-## Trial Plans
-
-| Plan | Monthly fee (JPY) | Monthly fee (USD) | Payment fee | Intended starting point |
-| --- | ---: | ---: | ---: | --- |
-| Launch | JPY 0 | USD 0 | 1.8% | Proofs of concept and low-volume trials |
-| Starter | JPY 980 | USD 6.00 | 1.0% | Early production checkout trials |
-| Growth | JPY 2,980 | USD 18.00 | 0.7% | Growing EC, booking, membership, and API services |
-| Pro | JPY 9,800 | USD 60.00 | 0.5% | Higher-volume merchant integrations |
-
-Every payment is fee-bearing at the plan rate. The minimum fee is JPY 30
-(USD merchants: USD 0.20) per payment. The minimum covers the worst-case
-per-payment settlement cost (an on-chain signature plus network gas), so small
-payments are never processed at a loss; on larger payments the percentage rate
-applies instead.
-
 USD pricing is the JPY tier converted at roughly 160 JPY/USD and rounded to
 clean price points that keep the same 1:3:10 tier ratio.
 

package/docs/security.md

@@ -109,6 +109,6 @@ Direct Request Payment is not:
 - the Micro Payment or Nano Payment meter
 
 It is a Standard Payment wallet gate backed by an on-chain receipt. Micro
-Payment and Nano Payment are separate SDRP internal-meter, delayed-settlement
-menus; they must fail closed before provider API execution when the buyer's
-metered budget, scope, or amount band is invalid.
+Payment and Nano Payment are SDRP amount bands with internal-meter,
+delayed-settlement behavior; they must fail closed before provider API
+execution when the buyer's metered budget, scope, or amount band is invalid.

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@siglume/direct-request-payment",
-  "version": "0.3.3",
+  "version": "0.3.4",
   "description": "Merchant SDK for Siglume Direct Request Payment checkout integrations",
   "keywords": [
     "siglume",