@whitewall-os/sdk 0.1.0 → 0.2.0

package/dist/abis.d.ts

@@ -1,15 +1,15 @@
-export declare const humanVerifiedPolicyAbi: readonly [{
+export declare const tieredPolicyAbi: readonly [{
     readonly inputs: readonly [];
-    readonly name: "getRequiredTier";
+    readonly name: "getIdentityRegistry";
     readonly outputs: readonly [{
         readonly name: "";
-        readonly type: "uint8";
+        readonly type: "address";
     }];
     readonly stateMutability: "view";
     readonly type: "function";
 }, {
     readonly inputs: readonly [];
-    readonly name: "getIdentityRegistry";
+    readonly name: "getWorldIdValidator";
     readonly outputs: readonly [{
         readonly name: "";
         readonly type: "address";
@@ -18,7 +18,7 @@ export declare const humanVerifiedPolicyAbi: readonly [{
     readonly type: "function";
 }, {
     readonly inputs: readonly [];
-    readonly name: "getValidationRegistry";
+    readonly name: "getStripeKYCValidator";
     readonly outputs: readonly [{
         readonly name: "";
         readonly type: "address";
@@ -27,13 +27,22 @@ export declare const humanVerifiedPolicyAbi: readonly [{
     readonly type: "function";
 }, {
     readonly inputs: readonly [];
-    readonly name: "getWorldIdValidator";
+    readonly name: "getPlaidCreditValidator";
     readonly outputs: readonly [{
         readonly name: "";
         readonly type: "address";
     }];
     readonly stateMutability: "view";
     readonly type: "function";
+}, {
+    readonly inputs: readonly [];
+    readonly name: "getMinCreditScore";
+    readonly outputs: readonly [{
+        readonly name: "";
+        readonly type: "uint8";
+    }];
+    readonly stateMutability: "view";
+    readonly type: "function";
 }];
 export declare const identityRegistryAbi: readonly [{
     readonly inputs: readonly [{
@@ -287,6 +296,95 @@ export declare const worldIdValidatorAbi: readonly [{
     readonly outputs: readonly [];
     readonly stateMutability: "nonpayable";
     readonly type: "function";
+}, {
+    readonly inputs: readonly [{
+        readonly name: "agentId";
+        readonly type: "uint256";
+    }];
+    readonly name: "isHumanVerified";
+    readonly outputs: readonly [{
+        readonly name: "";
+        readonly type: "bool";
+    }];
+    readonly stateMutability: "view";
+    readonly type: "function";
+}];
+export declare const stripeKYCValidatorAbi: readonly [{
+    readonly inputs: readonly [{
+        readonly name: "agentId";
+        readonly type: "uint256";
+    }];
+    readonly name: "isKYCVerified";
+    readonly outputs: readonly [{
+        readonly name: "";
+        readonly type: "bool";
+    }];
+    readonly stateMutability: "view";
+    readonly type: "function";
+}, {
+    readonly inputs: readonly [{
+        readonly name: "agentId";
+        readonly type: "uint256";
+    }];
+    readonly name: "getKYCData";
+    readonly outputs: readonly [{
+        readonly name: "verified";
+        readonly type: "bool";
+    }, {
+        readonly name: "sessionHash";
+        readonly type: "bytes32";
+    }, {
+        readonly name: "verifiedAt";
+        readonly type: "uint256";
+    }];
+    readonly stateMutability: "view";
+    readonly type: "function";
+}];
+export declare const plaidCreditValidatorAbi: readonly [{
+    readonly inputs: readonly [{
+        readonly name: "agentId";
+        readonly type: "uint256";
+    }];
+    readonly name: "getCreditScore";
+    readonly outputs: readonly [{
+        readonly name: "";
+        readonly type: "uint8";
+    }];
+    readonly stateMutability: "view";
+    readonly type: "function";
+}, {
+    readonly inputs: readonly [{
+        readonly name: "agentId";
+        readonly type: "uint256";
+    }];
+    readonly name: "hasCreditScore";
+    readonly outputs: readonly [{
+        readonly name: "";
+        readonly type: "bool";
+    }];
+    readonly stateMutability: "view";
+    readonly type: "function";
+}, {
+    readonly inputs: readonly [{
+        readonly name: "agentId";
+        readonly type: "uint256";
+    }];
+    readonly name: "getCreditData";
+    readonly outputs: readonly [{
+        readonly name: "score";
+        readonly type: "uint8";
+    }, {
+        readonly name: "dataHash";
+        readonly type: "bytes32";
+    }, {
+        readonly name: "verifiedAt";
+        readonly type: "uint256";
+    }, {
+        readonly name: "hasScore";
+        readonly type: "bool";
+    }];
+    readonly stateMutability: "view";
+    readonly type: "function";
 }];
 export declare const whitewallConsumerAbi: readonly [{
     readonly anonymous: false;

package/dist/abis.js

@@ -1,33 +1,40 @@
-// ── HumanVerifiedPolicy — entry point, SDK reads config from here ──
-export const humanVerifiedPolicyAbi = [
+// ── TieredPolicy — unified policy, SDK reads all config from here ──
+export const tieredPolicyAbi = [
     {
         inputs: [],
-        name: "getRequiredTier",
-        outputs: [{ name: "", type: "uint8" }],
+        name: "getIdentityRegistry",
+        outputs: [{ name: "", type: "address" }],
         stateMutability: "view",
         type: "function",
     },
     {
         inputs: [],
-        name: "getIdentityRegistry",
+        name: "getWorldIdValidator",
         outputs: [{ name: "", type: "address" }],
         stateMutability: "view",
         type: "function",
     },
     {
         inputs: [],
-        name: "getValidationRegistry",
+        name: "getStripeKYCValidator",
         outputs: [{ name: "", type: "address" }],
         stateMutability: "view",
         type: "function",
     },
     {
         inputs: [],
-        name: "getWorldIdValidator",
+        name: "getPlaidCreditValidator",
         outputs: [{ name: "", type: "address" }],
         stateMutability: "view",
         type: "function",
     },
+    {
+        inputs: [],
+        name: "getMinCreditScore",
+        outputs: [{ name: "", type: "uint8" }],
+        stateMutability: "view",
+        type: "function",
+    },
 ];
 // ── IdentityRegistry ──
 export const identityRegistryAbi = [
@@ -184,7 +191,66 @@ export const worldIdValidatorAbi = [
         stateMutability: "nonpayable",
         type: "function",
     },
+    {
+        inputs: [{ name: "agentId", type: "uint256" }],
+        name: "isHumanVerified",
+        outputs: [{ name: "", type: "bool" }],
+        stateMutability: "view",
+        type: "function",
+    },
+];
+// ── StripeKYCValidator ──
+export const stripeKYCValidatorAbi = [
+    {
+        inputs: [{ name: "agentId", type: "uint256" }],
+        name: "isKYCVerified",
+        outputs: [{ name: "", type: "bool" }],
+        stateMutability: "view",
+        type: "function",
+    },
+    {
+        inputs: [{ name: "agentId", type: "uint256" }],
+        name: "getKYCData",
+        outputs: [
+            { name: "verified", type: "bool" },
+            { name: "sessionHash", type: "bytes32" },
+            { name: "verifiedAt", type: "uint256" },
+        ],
+        stateMutability: "view",
+        type: "function",
+    },
+];
+// ── PlaidCreditValidator ──
+export const plaidCreditValidatorAbi = [
+    {
+        inputs: [{ name: "agentId", type: "uint256" }],
+        name: "getCreditScore",
+        outputs: [{ name: "", type: "uint8" }],
+        stateMutability: "view",
+        type: "function",
+    },
+    {
+        inputs: [{ name: "agentId", type: "uint256" }],
+        name: "hasCreditScore",
+        outputs: [{ name: "", type: "bool" }],
+        stateMutability: "view",
+        type: "function",
+    },
+    {
+        inputs: [{ name: "agentId", type: "uint256" }],
+        name: "getCreditData",
+        outputs: [
+            { name: "score", type: "uint8" },
+            { name: "dataHash", type: "bytes32" },
+            { name: "verifiedAt", type: "uint256" },
+            { name: "hasScore", type: "bool" },
+        ],
+        stateMutability: "view",
+        type: "function",
+    },
 ];
+// ── Legacy policy ABIs removed ──
+// KYCPolicy and CreditPolicy replaced by unified TieredPolicy
 // ── WhitewallConsumer ──
 export const whitewallConsumerAbi = [
     {

package/dist/addresses.d.ts

@@ -1,14 +1,18 @@
 import type { Address } from "viem";
 export type ChainName = "baseSepolia";
 export interface WhitewallOSAddresses {
-    humanVerifiedPolicy: Address;
+    policyEngine: Address;
+    tieredPolicy: Address;
     whitewallConsumer: Address;
+    stripeKYCValidator: Address;
+    plaidCreditValidator: Address;
 }
-/** Protocol-level policy config, read from on-chain HumanVerifiedPolicy */
+/** Protocol-level policy config, read from on-chain TieredPolicy */
 export interface PolicyConfig {
     identityRegistry: Address;
-    validationRegistry: Address;
     worldIdValidator: Address;
-    requiredTier: number;
+    stripeKYCValidator: Address;
+    plaidCreditValidator: Address;
+    minCreditScore: number;
 }
 export declare const addresses: Record<ChainName, WhitewallOSAddresses>;

package/dist/addresses.js

@@ -1,6 +1,9 @@
 export const addresses = {
     baseSepolia: {
-        humanVerifiedPolicy: "0x8f66f55f4ade4e64b105820972d444a56449e8b3",
-        whitewallConsumer: "0xec3114ea6bb29f77b63cd1223533870b663120bb",
+        policyEngine: "0x12816c0c79981726627a550b73e9627b81be95be",
+        tieredPolicy: "0x63b4d2e051180c3c0313eb71a9bdda8554432e23",
+        whitewallConsumer: "0xb5845901c590f06ffa480c31b96aca7eff4dfb3e",
+        stripeKYCValidator: "0x12b456dcc0e669eeb1d96806c8ef87b713d39cc8",
+        plaidCreditValidator: "0x9a0ed706f1714961bf607404521a58decddc2636",
     },
 };

package/dist/client.d.ts

@@ -1,6 +1,6 @@
 import { type Address, type PublicClient, type Transport, type Chain, type WatchEventReturnType } from "viem";
 import { type ChainName, type WhitewallOSAddresses, type PolicyConfig } from "./addresses.js";
-import type { AgentStatus, AccessGrantedEvent, ValidationSummary } from "./types.js";
+import type { AgentStatus, FullAgentStatus, AccessGrantedEvent } from "./types.js";
 export interface WhitewallOSConfig {
     chain: ChainName;
     rpcUrl?: string;
@@ -14,10 +14,10 @@ export declare class WhitewallOS {
     private constructor();
     /**
      * Create and connect a WhitewallOS instance.
-     * Reads policy config from on-chain HumanVerifiedPolicy contract.
+     * Reads policy config from on-chain TieredPolicy contract.
      */
     static connect(config: WhitewallOSConfig): Promise<WhitewallOS>;
-    /** Read policy configuration from the on-chain HumanVerifiedPolicy contract */
+    /** Read policy configuration from the on-chain TieredPolicy contract */
     private loadPolicyConfig;
     private get policyConfig();
     isRegistered(agentId: bigint): Promise<boolean>;
@@ -26,9 +26,10 @@ export declare class WhitewallOS {
     getAgentWallet(agentId: bigint): Promise<Address>;
     getTokenURI(agentId: bigint): Promise<string>;
     getMetadata(agentId: bigint, key: string): Promise<`0x${string}`>;
-    getValidationSummary(agentId: bigint): Promise<ValidationSummary>;
-    getAgentValidations(agentId: bigint): Promise<readonly `0x${string}`[]>;
+    isKYCVerified(agentId: bigint): Promise<boolean>;
+    getCreditScore(agentId: bigint): Promise<number>;
     getAgentStatus(agentId: bigint): Promise<AgentStatus>;
+    getFullStatus(agentId: bigint): Promise<FullAgentStatus>;
     onAccessGranted(callback: (event: AccessGrantedEvent) => void): WatchEventReturnType;
     onRegistered(callback: (agentId: bigint, owner: Address) => void): WatchEventReturnType;
     getAddresses(): WhitewallOSAddresses;

package/dist/client.js

@@ -1,8 +1,7 @@
 import { createPublicClient, http, zeroAddress, } from "viem";
 import { baseSepolia } from "viem/chains";
-import { humanVerifiedPolicyAbi, identityRegistryAbi, validationRegistryAbi, whitewallConsumerAbi, } from "./abis.js";
+import { tieredPolicyAbi, identityRegistryAbi, worldIdValidatorAbi, whitewallConsumerAbi, stripeKYCValidatorAbi, plaidCreditValidatorAbi, } from "./abis.js";
 import { addresses } from "./addresses.js";
-const HUMAN_VERIFIED_TAG = "HUMAN_VERIFIED";
 const chainMap = {
     baseSepolia,
 };
@@ -16,7 +15,7 @@ export class WhitewallOS {
     }
     /**
      * Create and connect a WhitewallOS instance.
-     * Reads policy config from on-chain HumanVerifiedPolicy contract.
+     * Reads policy config from on-chain TieredPolicy contract.
      */
     static async connect(config) {
         const addrs = addresses[config.chain];
@@ -29,31 +28,42 @@ export class WhitewallOS {
         await instance.loadPolicyConfig();
         return instance;
     }
-    /** Read policy configuration from the on-chain HumanVerifiedPolicy contract */
+    /** Read policy configuration from the on-chain TieredPolicy contract */
     async loadPolicyConfig() {
-        const [identityRegistry, validationRegistry, worldIdValidator, requiredTier] = await Promise.all([
+        const [identityRegistry, worldIdValidator, stripeKYCValidator, plaidCreditValidator, minCreditScore] = await Promise.all([
             this.client.readContract({
-                address: this.addrs.humanVerifiedPolicy,
-                abi: humanVerifiedPolicyAbi,
+                address: this.addrs.tieredPolicy,
+                abi: tieredPolicyAbi,
                 functionName: "getIdentityRegistry",
             }),
             this.client.readContract({
-                address: this.addrs.humanVerifiedPolicy,
-                abi: humanVerifiedPolicyAbi,
-                functionName: "getValidationRegistry",
+                address: this.addrs.tieredPolicy,
+                abi: tieredPolicyAbi,
+                functionName: "getWorldIdValidator",
             }),
             this.client.readContract({
-                address: this.addrs.humanVerifiedPolicy,
-                abi: humanVerifiedPolicyAbi,
-                functionName: "getWorldIdValidator",
+                address: this.addrs.tieredPolicy,
+                abi: tieredPolicyAbi,
+                functionName: "getStripeKYCValidator",
             }),
             this.client.readContract({
-                address: this.addrs.humanVerifiedPolicy,
-                abi: humanVerifiedPolicyAbi,
-                functionName: "getRequiredTier",
+                address: this.addrs.tieredPolicy,
+                abi: tieredPolicyAbi,
+                functionName: "getPlaidCreditValidator",
+            }),
+            this.client.readContract({
+                address: this.addrs.tieredPolicy,
+                abi: tieredPolicyAbi,
+                functionName: "getMinCreditScore",
             }),
         ]);
-        this.policy = { identityRegistry, validationRegistry, worldIdValidator, requiredTier };
+        this.policy = {
+            identityRegistry,
+            worldIdValidator,
+            stripeKYCValidator,
+            plaidCreditValidator,
+            minCreditScore,
+        };
     }
     get policyConfig() {
         if (!this.policy)
@@ -76,8 +86,12 @@ export class WhitewallOS {
         }
     }
     async isHumanVerified(agentId) {
-        const summary = await this.getValidationSummary(agentId);
-        return summary.count > 0n && summary.avgScore >= this.policyConfig.requiredTier;
+        return this.client.readContract({
+            address: this.policyConfig.worldIdValidator,
+            abi: worldIdValidatorAbi,
+            functionName: "isHumanVerified",
+            args: [agentId],
+        });
     }
     async getOwner(agentId) {
         return this.client.readContract({
@@ -111,23 +125,38 @@ export class WhitewallOS {
             args: [agentId, key],
         });
     }
-    // ─── Validation ───
-    async getValidationSummary(agentId) {
-        const [count, avgResponse] = await this.client.readContract({
-            address: this.policyConfig.validationRegistry,
-            abi: validationRegistryAbi,
-            functionName: "getSummary",
-            args: [agentId, [this.policyConfig.worldIdValidator], HUMAN_VERIFIED_TAG],
-        });
-        return { count: BigInt(count), avgScore: avgResponse };
+    // ─── KYC & Credit Read Methods ───
+    async isKYCVerified(agentId) {
+        const addr = this.policyConfig.stripeKYCValidator ?? this.addrs.stripeKYCValidator;
+        if (!addr)
+            return false;
+        try {
+            return await this.client.readContract({
+                address: addr,
+                abi: stripeKYCValidatorAbi,
+                functionName: "isKYCVerified",
+                args: [agentId],
+            });
+        }
+        catch {
+            return false;
+        }
     }
-    async getAgentValidations(agentId) {
-        return this.client.readContract({
-            address: this.policyConfig.validationRegistry,
-            abi: validationRegistryAbi,
-            functionName: "getAgentValidations",
-            args: [agentId],
-        });
+    async getCreditScore(agentId) {
+        const addr = this.policyConfig.plaidCreditValidator ?? this.addrs.plaidCreditValidator;
+        if (!addr)
+            return 0;
+        try {
+            return await this.client.readContract({
+                address: addr,
+                abi: plaidCreditValidatorAbi,
+                functionName: "getCreditScore",
+                args: [agentId],
+            });
+        }
+        catch {
+            return 0;
+        }
     }
     // ─── Composite: Full Status ───
     async getAgentStatus(agentId) {
@@ -139,23 +168,52 @@ export class WhitewallOS {
                 tier: 0,
                 owner: zeroAddress,
                 agentWallet: zeroAddress,
-                validationCount: 0n,
             };
         }
-        const [owner, agentWallet, summary] = await Promise.all([
+        const [owner, agentWallet, humanVerified] = await Promise.all([
             this.getOwner(agentId),
             this.getAgentWallet(agentId),
-            this.getValidationSummary(agentId),
+            this.isHumanVerified(agentId),
         ]);
-        const isHumanVerified = summary.count > 0n && summary.avgScore >= this.policyConfig.requiredTier;
-        const tier = isHumanVerified ? this.policyConfig.requiredTier : 1;
+        const tier = humanVerified ? 2 : 1;
         return {
             isRegistered: true,
-            isHumanVerified,
+            isHumanVerified: humanVerified,
             tier,
             owner,
             agentWallet,
-            validationCount: summary.count,
+        };
+    }
+    async getFullStatus(agentId) {
+        const base = await this.getAgentStatus(agentId);
+        if (!base.isRegistered) {
+            return {
+                ...base,
+                isKYCVerified: false,
+                creditScore: 0,
+                effectiveTier: 0,
+            };
+        }
+        const [kycVerified, creditScore] = await Promise.all([
+            this.isKYCVerified(agentId),
+            this.getCreditScore(agentId),
+        ]);
+        // Compute effective tier (cumulative):
+        // 0 = not registered, 1 = registered, 2 = human verified,
+        // 3 = + KYC, 4 = + credit score
+        let effectiveTier = base.tier; // 1 or 2
+        if (base.isHumanVerified && kycVerified) {
+            effectiveTier = 3;
+            const minScore = this.policyConfig.minCreditScore ?? 50;
+            if (creditScore >= minScore) {
+                effectiveTier = 4;
+            }
+        }
+        return {
+            ...base,
+            isKYCVerified: kycVerified,
+            creditScore,
+            effectiveTier,
         };
     }
     // ─── Event Watching ───

package/dist/index.d.ts

@@ -1,6 +1,6 @@
 export { WhitewallOS } from "./client.js";
 export type { WhitewallOSConfig } from "./client.js";
-export type { AgentStatus, AccessGrantedEvent, ValidationSummary } from "./types.js";
+export type { AgentStatus, FullAgentStatus, AccessGrantedEvent } from "./types.js";
 export type { ChainName, WhitewallOSAddresses, PolicyConfig } from "./addresses.js";
 export { addresses } from "./addresses.js";
-export { humanVerifiedPolicyAbi, identityRegistryAbi, validationRegistryAbi, whitewallConsumerAbi, worldIdValidatorAbi, } from "./abis.js";
+export { tieredPolicyAbi, identityRegistryAbi, validationRegistryAbi, whitewallConsumerAbi, worldIdValidatorAbi, stripeKYCValidatorAbi, plaidCreditValidatorAbi, } from "./abis.js";

package/dist/index.js

@@ -1,3 +1,3 @@
 export { WhitewallOS } from "./client.js";
 export { addresses } from "./addresses.js";
-export { humanVerifiedPolicyAbi, identityRegistryAbi, validationRegistryAbi, whitewallConsumerAbi, worldIdValidatorAbi, } from "./abis.js";
+export { tieredPolicyAbi, identityRegistryAbi, validationRegistryAbi, whitewallConsumerAbi, worldIdValidatorAbi, stripeKYCValidatorAbi, plaidCreditValidatorAbi, } from "./abis.js";

package/dist/types.d.ts

@@ -5,7 +5,11 @@ export interface AgentStatus {
     tier: number;
     owner: Address;
     agentWallet: Address;
-    validationCount: bigint;
+}
+export interface FullAgentStatus extends AgentStatus {
+    isKYCVerified: boolean;
+    creditScore: number;
+    effectiveTier: number;
 }
 export interface AccessGrantedEvent {
     agentId: bigint;
@@ -14,7 +18,3 @@ export interface AccessGrantedEvent {
     blockNumber: bigint;
     transactionHash: `0x${string}`;
 }
-export interface ValidationSummary {
-    count: bigint;
-    avgScore: number;
-}

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@whitewall-os/sdk",
-  "version": "0.1.0",
+  "version": "0.2.0",
   "description": "TypeScript SDK for Whitewall OS — AI agent accountability protocol",
   "type": "module",
   "main": "dist/index.js",

package/src/abis.ts

@@ -1,34 +1,41 @@
-// ── HumanVerifiedPolicy — entry point, SDK reads config from here ──
+// ── TieredPolicy — unified policy, SDK reads all config from here ──
 
-export const humanVerifiedPolicyAbi = [
+export const tieredPolicyAbi = [
   {
     inputs: [],
-    name: "getRequiredTier",
-    outputs: [{ name: "", type: "uint8" }],
+    name: "getIdentityRegistry",
+    outputs: [{ name: "", type: "address" }],
     stateMutability: "view",
     type: "function",
   },
   {
     inputs: [],
-    name: "getIdentityRegistry",
+    name: "getWorldIdValidator",
     outputs: [{ name: "", type: "address" }],
     stateMutability: "view",
     type: "function",
   },
   {
     inputs: [],
-    name: "getValidationRegistry",
+    name: "getStripeKYCValidator",
     outputs: [{ name: "", type: "address" }],
     stateMutability: "view",
     type: "function",
   },
   {
     inputs: [],
-    name: "getWorldIdValidator",
+    name: "getPlaidCreditValidator",
     outputs: [{ name: "", type: "address" }],
     stateMutability: "view",
     type: "function",
   },
+  {
+    inputs: [],
+    name: "getMinCreditScore",
+    outputs: [{ name: "", type: "uint8" }],
+    stateMutability: "view",
+    type: "function",
+  },
 ] as const;
 
 // ── IdentityRegistry ──
@@ -191,8 +198,72 @@ export const worldIdValidatorAbi = [
     stateMutability: "nonpayable",
     type: "function",
   },
+  {
+    inputs: [{ name: "agentId", type: "uint256" }],
+    name: "isHumanVerified",
+    outputs: [{ name: "", type: "bool" }],
+    stateMutability: "view",
+    type: "function",
+  },
+] as const;
+
+// ── StripeKYCValidator ──
+
+export const stripeKYCValidatorAbi = [
+  {
+    inputs: [{ name: "agentId", type: "uint256" }],
+    name: "isKYCVerified",
+    outputs: [{ name: "", type: "bool" }],
+    stateMutability: "view",
+    type: "function",
+  },
+  {
+    inputs: [{ name: "agentId", type: "uint256" }],
+    name: "getKYCData",
+    outputs: [
+      { name: "verified", type: "bool" },
+      { name: "sessionHash", type: "bytes32" },
+      { name: "verifiedAt", type: "uint256" },
+    ],
+    stateMutability: "view",
+    type: "function",
+  },
 ] as const;
 
+// ── PlaidCreditValidator ──
+
+export const plaidCreditValidatorAbi = [
+  {
+    inputs: [{ name: "agentId", type: "uint256" }],
+    name: "getCreditScore",
+    outputs: [{ name: "", type: "uint8" }],
+    stateMutability: "view",
+    type: "function",
+  },
+  {
+    inputs: [{ name: "agentId", type: "uint256" }],
+    name: "hasCreditScore",
+    outputs: [{ name: "", type: "bool" }],
+    stateMutability: "view",
+    type: "function",
+  },
+  {
+    inputs: [{ name: "agentId", type: "uint256" }],
+    name: "getCreditData",
+    outputs: [
+      { name: "score", type: "uint8" },
+      { name: "dataHash", type: "bytes32" },
+      { name: "verifiedAt", type: "uint256" },
+      { name: "hasScore", type: "bool" },
+    ],
+    stateMutability: "view",
+    type: "function",
+  },
+] as const;
+
+// ── Legacy policy ABIs removed ──
+// KYCPolicy and CreditPolicy replaced by unified TieredPolicy
+
 // ── WhitewallConsumer ──
 
 export const whitewallConsumerAbi = [

package/src/addresses.ts

@@ -3,21 +3,28 @@ import type { Address } from "viem";
 export type ChainName = "baseSepolia";
 
 export interface WhitewallOSAddresses {
-  humanVerifiedPolicy: Address;
+  policyEngine: Address;
+  tieredPolicy: Address;
   whitewallConsumer: Address;
+  stripeKYCValidator: Address;
+  plaidCreditValidator: Address;
 }
 
-/** Protocol-level policy config, read from on-chain HumanVerifiedPolicy */
+/** Protocol-level policy config, read from on-chain TieredPolicy */
 export interface PolicyConfig {
   identityRegistry: Address;
-  validationRegistry: Address;
   worldIdValidator: Address;
-  requiredTier: number;
+  stripeKYCValidator: Address;
+  plaidCreditValidator: Address;
+  minCreditScore: number;
 }
 
 export const addresses: Record<ChainName, WhitewallOSAddresses> = {
   baseSepolia: {
-    humanVerifiedPolicy: "0x8f66f55f4ade4e64b105820972d444a56449e8b3",
-    whitewallConsumer: "0xec3114ea6bb29f77b63cd1223533870b663120bb",
+    policyEngine: "0x12816c0c79981726627a550b73e9627b81be95be",
+    tieredPolicy: "0x63b4d2e051180c3c0313eb71a9bdda8554432e23",
+    whitewallConsumer: "0xb5845901c590f06ffa480c31b96aca7eff4dfb3e",
+    stripeKYCValidator: "0x12b456dcc0e669eeb1d96806c8ef87b713d39cc8",
+    plaidCreditValidator: "0x9a0ed706f1714961bf607404521a58decddc2636",
   },
 } as const;

package/src/client.ts

@@ -10,15 +10,15 @@ import {
 } from "viem";
 import { baseSepolia } from "viem/chains";
 import {
-  humanVerifiedPolicyAbi,
+  tieredPolicyAbi,
   identityRegistryAbi,
-  validationRegistryAbi,
+  worldIdValidatorAbi,
   whitewallConsumerAbi,
+  stripeKYCValidatorAbi,
+  plaidCreditValidatorAbi,
 } from "./abis.js";
 import { addresses, type ChainName, type WhitewallOSAddresses, type PolicyConfig } from "./addresses.js";
-import type { AgentStatus, AccessGrantedEvent, ValidationSummary } from "./types.js";
-
-const HUMAN_VERIFIED_TAG = "HUMAN_VERIFIED";
+import type { AgentStatus, FullAgentStatus, AccessGrantedEvent } from "./types.js";
 
 const chainMap: Record<ChainName, Chain> = {
   baseSepolia,
@@ -43,7 +43,7 @@ export class WhitewallOS {
 
   /**
    * Create and connect a WhitewallOS instance.
-   * Reads policy config from on-chain HumanVerifiedPolicy contract.
+   * Reads policy config from on-chain TieredPolicy contract.
    */
   static async connect(config: WhitewallOSConfig): Promise<WhitewallOS> {
     const addrs = addresses[config.chain];
@@ -59,33 +59,44 @@ export class WhitewallOS {
     return instance;
   }
 
-  /** Read policy configuration from the on-chain HumanVerifiedPolicy contract */
+  /** Read policy configuration from the on-chain TieredPolicy contract */
   private async loadPolicyConfig(): Promise<void> {
-    const [identityRegistry, validationRegistry, worldIdValidator, requiredTier] =
+    const [identityRegistry, worldIdValidator, stripeKYCValidator, plaidCreditValidator, minCreditScore] =
       await Promise.all([
         this.client.readContract({
-          address: this.addrs.humanVerifiedPolicy,
-          abi: humanVerifiedPolicyAbi,
+          address: this.addrs.tieredPolicy,
+          abi: tieredPolicyAbi,
           functionName: "getIdentityRegistry",
         }),
         this.client.readContract({
-          address: this.addrs.humanVerifiedPolicy,
-          abi: humanVerifiedPolicyAbi,
-          functionName: "getValidationRegistry",
+          address: this.addrs.tieredPolicy,
+          abi: tieredPolicyAbi,
+          functionName: "getWorldIdValidator",
         }),
         this.client.readContract({
-          address: this.addrs.humanVerifiedPolicy,
-          abi: humanVerifiedPolicyAbi,
-          functionName: "getWorldIdValidator",
+          address: this.addrs.tieredPolicy,
+          abi: tieredPolicyAbi,
+          functionName: "getStripeKYCValidator",
+        }),
+        this.client.readContract({
+          address: this.addrs.tieredPolicy,
+          abi: tieredPolicyAbi,
+          functionName: "getPlaidCreditValidator",
         }),
         this.client.readContract({
-          address: this.addrs.humanVerifiedPolicy,
-          abi: humanVerifiedPolicyAbi,
-          functionName: "getRequiredTier",
+          address: this.addrs.tieredPolicy,
+          abi: tieredPolicyAbi,
+          functionName: "getMinCreditScore",
         }),
       ]);
 
-    this.policy = { identityRegistry, validationRegistry, worldIdValidator, requiredTier };
+    this.policy = {
+      identityRegistry,
+      worldIdValidator,
+      stripeKYCValidator,
+      plaidCreditValidator,
+      minCreditScore,
+    };
   }
 
   private get policyConfig(): PolicyConfig {
@@ -110,8 +121,12 @@ export class WhitewallOS {
   }
 
   async isHumanVerified(agentId: bigint): Promise<boolean> {
-    const summary = await this.getValidationSummary(agentId);
-    return summary.count > 0n && summary.avgScore >= this.policyConfig.requiredTier;
+    return this.client.readContract({
+      address: this.policyConfig.worldIdValidator,
+      abi: worldIdValidatorAbi,
+      functionName: "isHumanVerified",
+      args: [agentId],
+    });
   }
 
   async getOwner(agentId: bigint): Promise<Address> {
@@ -150,25 +165,36 @@ export class WhitewallOS {
     });
   }
 
-  // ─── Validation ───
+  // ─── KYC & Credit Read Methods ───
 
-  async getValidationSummary(agentId: bigint): Promise<ValidationSummary> {
-    const [count, avgResponse] = await this.client.readContract({
-      address: this.policyConfig.validationRegistry,
-      abi: validationRegistryAbi,
-      functionName: "getSummary",
-      args: [agentId, [this.policyConfig.worldIdValidator], HUMAN_VERIFIED_TAG],
-    });
-    return { count: BigInt(count), avgScore: avgResponse };
+  async isKYCVerified(agentId: bigint): Promise<boolean> {
+    const addr = this.policyConfig.stripeKYCValidator ?? this.addrs.stripeKYCValidator;
+    if (!addr) return false;
+    try {
+      return await this.client.readContract({
+        address: addr,
+        abi: stripeKYCValidatorAbi,
+        functionName: "isKYCVerified",
+        args: [agentId],
+      });
+    } catch {
+      return false;
+    }
   }
 
-  async getAgentValidations(agentId: bigint): Promise<readonly `0x${string}`[]> {
-    return this.client.readContract({
-      address: this.policyConfig.validationRegistry,
-      abi: validationRegistryAbi,
-      functionName: "getAgentValidations",
-      args: [agentId],
-    });
+  async getCreditScore(agentId: bigint): Promise<number> {
+    const addr = this.policyConfig.plaidCreditValidator ?? this.addrs.plaidCreditValidator;
+    if (!addr) return 0;
+    try {
+      return await this.client.readContract({
+        address: addr,
+        abi: plaidCreditValidatorAbi,
+        functionName: "getCreditScore",
+        args: [agentId],
+      });
+    } catch {
+      return 0;
+    }
   }
 
   // ─── Composite: Full Status ───
@@ -182,26 +208,59 @@ export class WhitewallOS {
         tier: 0,
         owner: zeroAddress,
         agentWallet: zeroAddress,
-        validationCount: 0n,
       };
     }
 
-    const [owner, agentWallet, summary] = await Promise.all([
+    const [owner, agentWallet, humanVerified] = await Promise.all([
       this.getOwner(agentId),
       this.getAgentWallet(agentId),
-      this.getValidationSummary(agentId),
+      this.isHumanVerified(agentId),
     ]);
 
-    const isHumanVerified = summary.count > 0n && summary.avgScore >= this.policyConfig.requiredTier;
-    const tier = isHumanVerified ? this.policyConfig.requiredTier : 1;
+    const tier = humanVerified ? 2 : 1;
 
     return {
       isRegistered: true,
-      isHumanVerified,
+      isHumanVerified: humanVerified,
       tier,
       owner,
       agentWallet,
-      validationCount: summary.count,
+    };
+  }
+
+  async getFullStatus(agentId: bigint): Promise<FullAgentStatus> {
+    const base = await this.getAgentStatus(agentId);
+    if (!base.isRegistered) {
+      return {
+        ...base,
+        isKYCVerified: false,
+        creditScore: 0,
+        effectiveTier: 0,
+      };
+    }
+
+    const [kycVerified, creditScore] = await Promise.all([
+      this.isKYCVerified(agentId),
+      this.getCreditScore(agentId),
+    ]);
+
+    // Compute effective tier (cumulative):
+    // 0 = not registered, 1 = registered, 2 = human verified,
+    // 3 = + KYC, 4 = + credit score
+    let effectiveTier = base.tier; // 1 or 2
+    if (base.isHumanVerified && kycVerified) {
+      effectiveTier = 3;
+      const minScore = this.policyConfig.minCreditScore ?? 50;
+      if (creditScore >= minScore) {
+        effectiveTier = 4;
+      }
+    }
+
+    return {
+      ...base,
+      isKYCVerified: kycVerified,
+      creditScore,
+      effectiveTier,
     };
   }
 

package/src/index.ts

@@ -1,12 +1,14 @@
 export { WhitewallOS } from "./client.js";
 export type { WhitewallOSConfig } from "./client.js";
-export type { AgentStatus, AccessGrantedEvent, ValidationSummary } from "./types.js";
+export type { AgentStatus, FullAgentStatus, AccessGrantedEvent } from "./types.js";
 export type { ChainName, WhitewallOSAddresses, PolicyConfig } from "./addresses.js";
 export { addresses } from "./addresses.js";
 export {
-  humanVerifiedPolicyAbi,
+  tieredPolicyAbi,
   identityRegistryAbi,
   validationRegistryAbi,
   whitewallConsumerAbi,
   worldIdValidatorAbi,
+  stripeKYCValidatorAbi,
+  plaidCreditValidatorAbi,
 } from "./abis.js";

package/src/types.ts

@@ -6,7 +6,12 @@ export interface AgentStatus {
   tier: number;
   owner: Address;
   agentWallet: Address;
-  validationCount: bigint;
+}
+
+export interface FullAgentStatus extends AgentStatus {
+  isKYCVerified: boolean;
+  creditScore: number;
+  effectiveTier: number; // 0-4 computed from all verification states
 }
 
 export interface AccessGrantedEvent {
@@ -16,8 +21,3 @@ export interface AccessGrantedEvent {
   blockNumber: bigint;
   transactionHash: `0x${string}`;
 }
-
-export interface ValidationSummary {
-  count: bigint;
-  avgScore: number;
-}