@xona-labs/xpay 0.1.27 → 0.1.29

package/CHANGELOG.md

@@ -6,6 +6,33 @@ versioning follows [Semantic Versioning](https://semver.org/).
 
 ## [Unreleased]
 
+## [0.1.29] – 2026-06-23
+
+### Changed
+- **`use` now picks the payment network by balance, not by list order.** When a
+  resource accepts multiple networks (e.g. Base *and* Solana), xPay reads the
+  wallet balance on each and pays from the first option that can cover the cost
+  — so a $0 Base wallet automatically falls through to a funded Solana one.
+  Previously it always took the first listed option (usually Base) and failed
+  if that wallet was empty. Both the catalog and live-402 paths use the new
+  picker. Single-network resources are unaffected (no extra balance lookups).
+  Falls back to the best-funded option when none can cover the cost outright.
+
+### Added
+- **`Wallet.pickRequirementByBalance()`** — the async, balance-aware selector
+  behind the above. `pickRequirement()` (first-match, sync) is retained.
+
+### Added
+- **Bento firewall controls exposed as MCP tools.** Agents can now manage the
+  intent firewall directly, not just via the CLI:
+  - `xpay_bento_status` — read whether screening is on (and the agent wallet to register).
+  - `xpay_bento_enable` — turn it on; returns the agent wallet address to register at app.bentoguard.xyz.
+  - `xpay_bento_disable` — turn it off; the escape hatch when the wallet isn't registered and payments are being rejected.
+  Enable/disable take effect live on the running guardrail (no restart) and
+  persist to the profile. Only available on profile-backed wallets — raw-key
+  (`XPAY_SOLANA_SECRET`) mode reports `profileBacked: false`.
+- **`Guardrail.bentoEnabled()` / `setBentoEnabled()`** for runtime toggling.
+
 ## [0.1.27] – 2026-06-23
 
 ### Added

package/README.md

@@ -155,7 +155,7 @@ That's the whole setup. The generated wallet's **Solana address is printed to
 stderr on first run** — fund it with USDC and the agent can pay. It persists
 under `~/.xpay` and is reused on every later boot, so the address is stable.
 
-The host sees seven core tools: `xpay_discover`, `xpay_use`, `xpay_do`, `xpay_transfer`, `xpay_balance`, `xpay_report`, `xpay_guardrail`. If you've linked a Sana key (see below), eight additional `sana_*` tools are also registered automatically.
+The host sees the core tools: `xpay_discover`, `xpay_use`, `xpay_do`, `xpay_transfer`, `xpay_balance`, `xpay_report`, `xpay_guardrail`, plus `xpay_bento_status` / `xpay_bento_enable` / `xpay_bento_disable` to manage the [Bento intent firewall](#guardrail). If you've linked a Sana key (see below), eight additional `sana_*` tools are also registered automatically.
 
 **Bring your own wallet instead** — the wallet source order is *existing profile → key env → auto-generate*, so any of these overrides the generated wallet:
 
@@ -314,7 +314,7 @@ Public RPCs work for development but rate-limit hard. Production deployments sho
 **v0.1 (current):**
 - ✅ CLI: init, accounts, balance, discover, pay, transfer, report, guardrail, mcp
 - ✅ SDK: full parity with CLI; tool exporters for Claude / OpenAI / Gemini
-- ✅ MCP server on stdio with 7 core tools
+- ✅ MCP server on stdio with 10 core tools (incl. Bento firewall controls)
 - ✅ Solana + Base mainnet with disk caching
 - ✅ Optional Sana agent card integration (`xpay sana link`) — 8 additional `sana_*` tools
 

package/SKILL.md

@@ -45,6 +45,9 @@ the MCP `env`. To require an explicit wallet (no auto-generation), set
 | `xpay_balance` | The wallet's balance per network, plus its addresses (use this to tell the user where to send funds). |
 | `xpay_report` | Spending/income report (daily / weekly / monthly). |
 | `xpay_guardrail` | Read the active spending caps (per-tx, per-day, allowed hosts, approval threshold). |
+| `xpay_bento_status` | Check whether the Bento intent firewall is on (read-only). |
+| `xpay_bento_enable` | Turn the Bento intent firewall on. Returns the agent wallet address to register at app.bentoguard.xyz. |
+| `xpay_bento_disable` | Turn the Bento firewall off — use if the wallet isn't registered and payments are rejected. |
 
 ## How payment works
 
@@ -67,7 +70,10 @@ fails for lack of funds, ask the user to send USDC to the address from
   `xpay_transfer_confirm` after they approve. Never move funds unprompted.
 - **Bento intent firewall (optional).** When enabled, every payment is screened
   for malicious intent (prompt-injection, wallet-drain) before signing. A
-  `BLOCKED` result means stop.
+  `BLOCKED` result means stop. Toggle with `xpay_bento_enable` /
+  `xpay_bento_disable`; it requires a one-time wallet registration at
+  app.bentoguard.xyz, and until then payments are rejected — disable it to fall
+  back to local caps if you don't want to register.
 
 ## Recipes
 

package/dist/cli/mcp-server.d.ts.map

@@ -1 +1 @@
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+{"version":3,"file":"mcp-server.d.ts","sourceRoot":"","sources":["../../src/cli/mcp-server.ts"],"names":[],"mappings":"AAAA;;;;;;;;;;;;;;;;;;;;;;;;;;;;GA4BG;AAiCH,wBAAsB,cAAc,IAAI,OAAO,CAAC,IAAI,CAAC,CA6MpD"}

package/dist/cli/mcp-server.js

@@ -31,8 +31,9 @@ import { randomInt } from "crypto";
 import { Server } from "@modelcontextprotocol/sdk/server/index.js";
 import { StdioServerTransport } from "@modelcontextprotocol/sdk/server/stdio.js";
 import { CallToolRequestSchema, ListToolsRequestSchema, } from "@modelcontextprotocol/sdk/types.js";
-import { createXPay, loadProfile, initProfile } from "../index.js";
+import { createXPay, loadProfile, initProfile, deriveKeysFromMnemonic } from "../index.js";
 import { profileExists } from "../profile/storage.js";
+import { readProfileConfig, setProfileBento } from "../profile/index.js";
 import { rawSolanaSigner } from "../signers/raw-solana.js";
 import { rawEvmSigner } from "../signers/raw-evm.js";
 import { forClaude } from "../tools/index.js";
@@ -42,7 +43,7 @@ import { guardrailWithApproval } from "./common.js";
 const pendingTransfers = new Map();
 const TRANSFER_EXPIRY_MS = 5 * 60 * 1000; // 5 minutes
 export async function startMcpServer() {
-    const xpay = await buildXPay();
+    const { xpay, profileName } = await buildXPay();
     const sanaApiKey = await resolveSanaApiKey();
     const { tools, handlers } = forClaude(xpay, { sanaApiKey });
     // --- MCP-only: two-step confirmation for transfers ---
@@ -99,6 +100,26 @@ export async function startMcpServer() {
                 required: ["confirmationCode"],
             },
         },
+        {
+            name: "xpay_bento_status",
+            description: "Check whether the Bento intent firewall is active. When on, every payment is " +
+                "screened for malicious intent (prompt-injection, wallet-drain) before signing. Read-only.",
+            inputSchema: { type: "object", properties: {} },
+        },
+        {
+            name: "xpay_bento_enable",
+            description: "Turn ON the Bento intent firewall for this agent's wallet. Returns the agent wallet " +
+                "address, which must be registered once at app.bentoguard.xyz (logging in with the " +
+                "owner wallet) before protection takes effect — until then payments are rejected.",
+            inputSchema: { type: "object", properties: {} },
+        },
+        {
+            name: "xpay_bento_disable",
+            description: "Turn OFF the Bento intent firewall. Use this if the wallet isn't registered at the " +
+                "Bento dashboard and payments are being rejected with 'Agent not found'. Payments then " +
+                "fall back to the local spending caps only.",
+            inputSchema: { type: "object", properties: {} },
+        },
     ];
     handlers["xpay_transfer_confirm"] = async (input) => {
         const code = String(input.confirmationCode ?? "").trim();
@@ -120,6 +141,58 @@ export async function startMcpServer() {
         });
     };
     // --- end MCP-only confirmation ---
+    // --- MCP-only: Bento intent firewall controls ---
+    // status + enable + disable. Disable is intentionally available so the agent
+    // can recover when the wallet isn't registered and payments are rejected.
+    const BENTO_DASHBOARD = "https://app.bentoguard.xyz/";
+    const agentSolanaAddress = () => {
+        try {
+            return xpay.wallet.address("solana");
+        }
+        catch {
+            return "";
+        }
+    };
+    handlers["xpay_bento_status"] = async () => {
+        const persisted = profileName ? Boolean(readProfileConfig(profileName).bento?.enabled) : false;
+        return {
+            enabled: xpay.guardrail.bentoEnabled(),
+            persisted,
+            profileBacked: Boolean(profileName),
+            agentWallet: agentSolanaAddress(),
+            dashboard: BENTO_DASHBOARD,
+        };
+    };
+    handlers["xpay_bento_enable"] = async () => {
+        if (!profileName) {
+            return {
+                ok: false,
+                error: "Bento requires a profile-backed wallet. This server is running with a raw key " +
+                    "(XPAY_SOLANA_SECRET), so there's no profile to enable it on.",
+            };
+        }
+        setProfileBento(profileName, true); // persist for future boots
+        xpay.guardrail.setBentoEnabled(true); // activate for this session
+        return {
+            ok: true,
+            enabled: true,
+            agentWallet: agentSolanaAddress(),
+            action_required: `Register this agent wallet at ${BENTO_DASHBOARD} (log in with your owner wallet). ` +
+                `Until it's registered, payments are rejected with "Agent not found" — call ` +
+                `xpay_bento_disable to fall back to local caps if you don't want to register.`,
+        };
+    };
+    handlers["xpay_bento_disable"] = async () => {
+        if (profileName)
+            setProfileBento(profileName, false); // persist
+        xpay.guardrail.setBentoEnabled(false); // deactivate for this session
+        return {
+            ok: true,
+            enabled: false,
+            note: "Bento intent screening is off. Payments now rely on the local spending caps only.",
+        };
+    };
+    // --- end Bento controls ---
     const server = new Server({ name: "xpay", version: "0.1.0" }, { capabilities: { tools: {} } });
     server.setRequestHandler(ListToolsRequestSchema, async () => ({
         tools: mcpTools.map((t) => ({
@@ -163,9 +236,13 @@ async function buildXPay() {
             name: profileName,
             passphrase: process.env.XPAY_PASSPHRASE ?? (await biometricMcpPassphrase(profileName)),
         });
+        // Expose the agent's own key so a runtime `xpay_bento_enable` can activate
+        // protect() without a restart. In-process only; it's the wallet's own key.
+        process.env.AGENT_WALLET_PRIVATE_KEY ??= deriveKeysFromMnemonic(profile.mnemonic).solana.secretKeyBase58;
         // No TTY here — approvals above the guardrail threshold surface as a
         // system Touch ID dialog when the profile has biometric unlock enabled.
-        return createXPay({ profile, guardrail: guardrailWithApproval(profile, { interactive: false }) });
+        const xpay = createXPay({ profile, guardrail: guardrailWithApproval(profile, { interactive: false }) });
+        return { xpay, profileName };
     }
     // Fallback: ephemeral raw signers.
     const networks = (process.env.XPAY_NETWORKS ?? "solana,base").split(",");
@@ -187,7 +264,9 @@ async function buildXPay() {
             `Run \`xpay init\`, set XPAY_SOLANA_SECRET / XPAY_EVM_KEY, or unset ` +
             `XPAY_NO_AUTO_WALLET to auto-generate a wallet.`);
     }
-    return createXPay({
+    // Raw-key mode: no profile on disk, so bento's profile-gated flag can't be
+    // toggled — profileName is null and the bento tools report that.
+    const xpay = createXPay({
         networks,
         signers,
         guardrail: {
@@ -196,6 +275,7 @@ async function buildXPay() {
             allowedHosts: process.env.XPAY_ALLOWED_HOSTS?.split(","),
         },
     });
+    return { xpay, profileName: null };
 }
 /**
  * Zero-config onboarding: no profile and no key configured, so generate a
@@ -219,7 +299,9 @@ async function autoProvisionXPay(profileName) {
         `[xpay-mcp] Fund the Solana address with USDC so the agent can pay.\n` +
         `[xpay-mcp] The recovery phrase lives in ${created.path} — back it up.\n\n`);
     const profile = await loadProfile({ name: profileName, passphrase });
-    return createXPay({ profile, guardrail: guardrailWithApproval(profile, { interactive: false }) });
+    process.env.AGENT_WALLET_PRIVATE_KEY ??= deriveKeysFromMnemonic(profile.mnemonic).solana.secretKeyBase58;
+    const xpay = createXPay({ profile, guardrail: guardrailWithApproval(profile, { interactive: false }) });
+    return { xpay, profileName };
 }
 /**
  * Resolve the Sana API key. Preference:

package/dist/cli/mcp-server.js.map

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package/dist/guardrail/index.d.ts

@@ -64,6 +64,16 @@ export declare class Guardrail {
     private checkBento;
     /** Sum of recent spend, in USD, within the last 24h. */
     recentSpend(): number;
+    /** Whether the Bento intent firewall is active on this instance. */
+    bentoEnabled(): boolean;
+    /**
+     * Toggle the Bento firewall on this live instance — lets the MCP
+     * `xpay_bento_enable` tool activate screening for the current session
+     * without a server restart. Persisting the flag to disk is separate
+     * (the caller does that via `setProfileBento`). Requires
+     * `AGENT_WALLET_PRIVATE_KEY` in the environment for `protect()` to run.
+     */
+    setBentoEnabled(enabled: boolean): void;
 }
 export declare class GuardrailError extends Error {
     constructor(message: string);

package/dist/guardrail/index.d.ts.map

@@ -1 +1 @@
-{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../../src/guardrail/index.ts"],"names":[],"mappings":"AAAA;;;;;;;GAOG;AAEH,OAAO,KAAK,EAAE,kBAAkB,EAAE,QAAQ,EAAE,MAAM,aAAa,CAAC;AAEhE,MAAM,WAAW,eAAe;IAC9B,+BAA+B;IAC/B,QAAQ,CAAC,EAAE,MAAM,CAAC;IAClB,2CAA2C;IAC3C,SAAS,CAAC,EAAE,MAAM,CAAC;IACnB,4DAA4D;IAC5D,YAAY,CAAC,EAAE,MAAM,EAAE,CAAC;IACxB,wEAAwE;IACxE,oBAAoB,CAAC,EAAE,MAAM,CAAC;IAC9B;;;;;OAKG;IACH,kBAAkB,CAAC,EAAE,CAAC,GAAG,EAAE;QAAE,QAAQ,EAAE,QAAQ,CAAC;QAAC,GAAG,EAAE,MAAM,CAAA;KAAE,KAAK,OAAO,CAAC,OAAO,CAAC,CAAC;IACpF;;;;;;;;OAQG;IACH,KAAK,CAAC,EAAE;QACN,OAAO,CAAC,EAAE,OAAO,CAAC;QAClB,yEAAyE;QACzE,SAAS,CAAC,EAAE,MAAM,CAAC;KACpB,CAAC;CACH;AAOD,qBAAa,SAAS;IACpB,OAAO,CAAC,QAAQ,CAAC,MAAM,CAAkB;IACzC,OAAO,CAAC,QAAQ,CAAC,OAAO,CAAoB;gBAEhC,MAAM,GAAE,eAAoB;IAIxC;;;OAGG;IACG,KAAK,CAAC,IAAI,EAAE;QAAE,QAAQ,EAAE,QAAQ,CAAC;QAAC,WAAW,EAAE,kBAAkB,CAAA;KAAE,GAAG,OAAO,CAAC,IAAI,CAAC;IAgEzF;;;;;;;OAOG;YACW,UAAU;IAqDxB,wDAAwD;IACxD,WAAW,IAAI,MAAM;CAItB;AAED,qBAAa,cAAe,SAAQ,KAAK;gBAC3B,OAAO,EAAE,MAAM;CAI5B"}
+{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../../src/guardrail/index.ts"],"names":[],"mappings":"AAAA;;;;;;;GAOG;AAEH,OAAO,KAAK,EAAE,kBAAkB,EAAE,QAAQ,EAAE,MAAM,aAAa,CAAC;AAEhE,MAAM,WAAW,eAAe;IAC9B,+BAA+B;IAC/B,QAAQ,CAAC,EAAE,MAAM,CAAC;IAClB,2CAA2C;IAC3C,SAAS,CAAC,EAAE,MAAM,CAAC;IACnB,4DAA4D;IAC5D,YAAY,CAAC,EAAE,MAAM,EAAE,CAAC;IACxB,wEAAwE;IACxE,oBAAoB,CAAC,EAAE,MAAM,CAAC;IAC9B;;;;;OAKG;IACH,kBAAkB,CAAC,EAAE,CAAC,GAAG,EAAE;QAAE,QAAQ,EAAE,QAAQ,CAAC;QAAC,GAAG,EAAE,MAAM,CAAA;KAAE,KAAK,OAAO,CAAC,OAAO,CAAC,CAAC;IACpF;;;;;;;;OAQG;IACH,KAAK,CAAC,EAAE;QACN,OAAO,CAAC,EAAE,OAAO,CAAC;QAClB,yEAAyE;QACzE,SAAS,CAAC,EAAE,MAAM,CAAC;KACpB,CAAC;CACH;AAOD,qBAAa,SAAS;IACpB,OAAO,CAAC,QAAQ,CAAC,MAAM,CAAkB;IACzC,OAAO,CAAC,QAAQ,CAAC,OAAO,CAAoB;gBAEhC,MAAM,GAAE,eAAoB;IAIxC;;;OAGG;IACG,KAAK,CAAC,IAAI,EAAE;QAAE,QAAQ,EAAE,QAAQ,CAAC;QAAC,WAAW,EAAE,kBAAkB,CAAA;KAAE,GAAG,OAAO,CAAC,IAAI,CAAC;IAgEzF;;;;;;;OAOG;YACW,UAAU;IAqDxB,wDAAwD;IACxD,WAAW,IAAI,MAAM;IAKrB,oEAAoE;IACpE,YAAY,IAAI,OAAO;IAIvB;;;;;;OAMG;IACH,eAAe,CAAC,OAAO,EAAE,OAAO,GAAG,IAAI;CAGxC;AAED,qBAAa,cAAe,SAAQ,KAAK;gBAC3B,OAAO,EAAE,MAAM;CAI5B"}

package/dist/guardrail/index.js

@@ -120,6 +120,20 @@ export class Guardrail {
         const dayAgo = Date.now() - 24 * 60 * 60 * 1000;
         return this.history.filter((h) => h.at >= dayAgo).reduce((s, h) => s + h.usd, 0);
     }
+    /** Whether the Bento intent firewall is active on this instance. */
+    bentoEnabled() {
+        return Boolean(this.config.bento?.enabled);
+    }
+    /**
+     * Toggle the Bento firewall on this live instance — lets the MCP
+     * `xpay_bento_enable` tool activate screening for the current session
+     * without a server restart. Persisting the flag to disk is separate
+     * (the caller does that via `setProfileBento`). Requires
+     * `AGENT_WALLET_PRIVATE_KEY` in the environment for `protect()` to run.
+     */
+    setBentoEnabled(enabled) {
+        this.config.bento = { ...this.config.bento, enabled };
+    }
 }
 export class GuardrailError extends Error {
     constructor(message) {

package/dist/guardrail/index.js.map

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package/dist/use/index.d.ts.map

@@ -1 +1 @@
-{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../../src/use/index.ts"],"names":[],"mappings":"AAAA;;;;;;;;;;;;GAYG;AAEH,OAAO,EAGL,KAAK,QAAQ,EACb,KAAK,SAAS,EACf,MAAM,aAAa,CAAC;AACrB,OAAO,KAAK,EAAE,MAAM,EAAE,MAAM,oBAAoB,CAAC;AACjD,OAAO,KAAK,EAAE,SAAS,EAAE,MAAM,uBAAuB,CAAC;AAIvD,MAAM,WAAW,OAAO;IACtB,QAAQ,EAAE,QAAQ,CAAC;IACnB,MAAM,EAAE,MAAM,CAAC;IACf,SAAS,EAAE,SAAS,CAAC;IACrB,IAAI,CAAC,EAAE,OAAO,CAAC;IACf,OAAO,CAAC,EAAE,MAAM,CAAC,MAAM,EAAE,MAAM,CAAC,CAAC;CAClC;AAED,wBAAsB,GAAG,CAAC,IAAI,EAAE,OAAO,GAAG,OAAO,CAAC,SAAS,CAAC,CAQ3D;AAiBD;;;GAGG;AACH,MAAM,WAAW,YAAY;IAC3B,GAAG,EAAE,MAAM,CAAC;IACZ,MAAM,CAAC,EAAE,MAAM,CAAC;IAChB,MAAM,EAAE,MAAM,CAAC;IACf,SAAS,EAAE,SAAS,CAAC;IACrB,IAAI,CAAC,EAAE,OAAO,CAAC;IACf,OAAO,CAAC,EAAE,MAAM,CAAC,MAAM,EAAE,MAAM,CAAC,CAAC;CAClC;AAED,wBAAsB,QAAQ,CAAC,IAAI,EAAE,YAAY,GAAG,OAAO,CAAC,SAAS,CAAC,CAcrE"}
+{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../../src/use/index.ts"],"names":[],"mappings":"AAAA;;;;;;;;;;;;GAYG;AAEH,OAAO,EAGL,KAAK,QAAQ,EACb,KAAK,SAAS,EACf,MAAM,aAAa,CAAC;AACrB,OAAO,KAAK,EAAE,MAAM,EAAE,MAAM,oBAAoB,CAAC;AACjD,OAAO,KAAK,EAAE,SAAS,EAAE,MAAM,uBAAuB,CAAC;AAIvD,MAAM,WAAW,OAAO;IACtB,QAAQ,EAAE,QAAQ,CAAC;IACnB,MAAM,EAAE,MAAM,CAAC;IACf,SAAS,EAAE,SAAS,CAAC;IACrB,IAAI,CAAC,EAAE,OAAO,CAAC;IACf,OAAO,CAAC,EAAE,MAAM,CAAC,MAAM,EAAE,MAAM,CAAC,CAAC;CAClC;AAED,wBAAsB,GAAG,CAAC,IAAI,EAAE,OAAO,GAAG,OAAO,CAAC,SAAS,CAAC,CAY3D;AAgBD;;;GAGG;AACH,MAAM,WAAW,YAAY;IAC3B,GAAG,EAAE,MAAM,CAAC;IACZ,MAAM,CAAC,EAAE,MAAM,CAAC;IAChB,MAAM,EAAE,MAAM,CAAC;IACf,SAAS,EAAE,SAAS,CAAC;IACrB,IAAI,CAAC,EAAE,OAAO,CAAC;IACf,OAAO,CAAC,EAAE,MAAM,CAAC,MAAM,EAAE,MAAM,CAAC,CAAC;CAClC;AAED,wBAAsB,QAAQ,CAAC,IAAI,EAAE,YAAY,GAAG,OAAO,CAAC,SAAS,CAAC,CAcrE"}

package/dist/use/index.js

@@ -14,10 +14,14 @@
 import { extractRequirements, extractSettleEnvelope } from "../x402/extract.js";
 import { buildSvmPaymentHeader, isSvmNetwork } from "../x402/svm-payment.js";
 export async function use(args) {
-    // If we have accepts up front, take the fast path — unless the catalog
-    // entry is missing fields that only a live 402 challenge carries.
-    if (args.resource.accepts.length > 0 && !needsLiveChallenge(args, args.resource.accepts)) {
-        return useWithRequirements(args, args.resource.accepts);
+    // If we have accepts up front, pick the network we can actually pay on
+    // (balance-aware) and take the fast path — unless the chosen option is
+    // missing fields that only a live 402 challenge carries.
+    if (args.resource.accepts.length > 0) {
+        const req = await args.wallet.pickRequirementByBalance(args.resource.accepts);
+        if (req && !reqNeedsLiveChallenge(args, req)) {
+            return useWithRequirements(args, req);
+        }
     }
     // Otherwise probe the resource for a 402 challenge.
     return useWithLiveChallenge(args);
@@ -29,9 +33,8 @@ export async function use(args) {
  * 402 challenge provides. When it's missing, pay via the live flow instead
  * of failing with "feePayer is required in paymentRequirements.extra".
  */
-function needsLiveChallenge(args, reqs) {
-    const req = args.wallet.pickRequirement(reqs);
-    if (!req || !isSvmNetwork(req.network))
+function reqNeedsLiveChallenge(args, req) {
+    if (!isSvmNetwork(req.network))
         return false;
     const signer = args.wallet.signer(normalizeNetwork(req.network));
     const usesSvmV2 = typeof signer?.getKitSigner === "function";
@@ -52,11 +55,7 @@ export async function useByUrl(args) {
         headers: args.headers,
     });
 }
-async function useWithRequirements(args, reqs) {
-    const req = args.wallet.pickRequirement(reqs);
-    if (!req) {
-        throw new Error(`xpay.use: no compatible payment option. Resource accepts: ${reqs.map((a) => a.network).join(", ")}`);
-    }
+async function useWithRequirements(args, req) {
     // Guardrail runs *before* signing — this is the security boundary.
     await args.guardrail.check({ resource: args.resource, requirement: req });
     const settled = await settle(args, req, args.resource.x402Version ?? 1);
@@ -78,7 +77,7 @@ async function useWithLiveChallenge(args) {
     if (reqs.length === 0) {
         throw new Error(`xpay.use: ${args.resource.resource} returned 402 but no parseable accepts[] in body or headers`);
     }
-    const req = args.wallet.pickRequirement(reqs);
+    const req = await args.wallet.pickRequirementByBalance(reqs);
     if (!req) {
         throw new Error(`xpay.use: ${args.resource.resource} accepts ${reqs.map((r) => r.network).join(", ")} but wallet has no matching signer`);
     }

package/dist/use/index.js.map

@@ -1 +1 @@
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package/dist/wallet/index.d.ts

@@ -23,9 +23,16 @@ export interface Wallet {
     balance(network?: Network): Promise<number>;
     /**
      * Pick the best network to satisfy one of the given payment requirements.
-     * Strategy v0: first match where we have a signer + (eventually) enough balance.
+     * Strategy v0: first match where we have a signer (ignores balance).
      */
     pickRequirement(reqs: PaymentRequirement[]): PaymentRequirement | undefined;
+    /**
+     * Balance-aware picker. Among requirements we have a signer for, prefer the
+     * first (in listed order) whose wallet balance covers the cost — so a $0
+     * Base wallet falls through to a funded Solana one. Falls back to the
+     * highest-balance candidate when none can cover the cost outright.
+     */
+    pickRequirementByBalance(reqs: PaymentRequirement[]): Promise<PaymentRequirement | undefined>;
 }
 export declare function createWallet(opts: WalletOptions): Wallet;
 //# sourceMappingURL=index.d.ts.map

package/dist/wallet/index.d.ts.map

@@ -1 +1 @@
-{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../../src/wallet/index.ts"],"names":[],"mappings":"AAAA;;;;;;GAMG;AAEH,OAAO,KAAK,EAAE,OAAO,EAAE,kBAAkB,EAAE,MAAM,EAAE,MAAM,aAAa,CAAC;AAEvE,MAAM,WAAW,aAAa;IAC5B,QAAQ,EAAE,OAAO,EAAE,CAAC;IACpB,OAAO,EAAE,OAAO,CAAC,MAAM,CAAC,OAAO,EAAE,MAAM,CAAC,CAAC,CAAC;CAC3C;AAED,MAAM,WAAW,MAAM;IACrB,8CAA8C;IAC9C,QAAQ,CAAC,QAAQ,EAAE,OAAO,EAAE,CAAC;IAC7B,6CAA6C;IAC7C,OAAO,CAAC,OAAO,CAAC,EAAE,OAAO,GAAG,MAAM,CAAC;IACnC,gEAAgE;IAChE,MAAM,CAAC,OAAO,EAAE,OAAO,GAAG,MAAM,CAAC;IACjC,sDAAsD;IACtD,GAAG,CAAC,OAAO,EAAE,OAAO,GAAG,OAAO,CAAC;IAC/B,sFAAsF;IACtF,OAAO,CAAC,OAAO,CAAC,EAAE,OAAO,GAAG,OAAO,CAAC,MAAM,CAAC,CAAC;IAC5C;;;OAGG;IACH,eAAe,CAAC,IAAI,EAAE,kBAAkB,EAAE,GAAG,kBAAkB,GAAG,SAAS,CAAC;CAC7E;AAED,wBAAgB,YAAY,CAAC,IAAI,EAAE,aAAa,GAAG,MAAM,CA4CxD"}
+{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../../src/wallet/index.ts"],"names":[],"mappings":"AAAA;;;;;;GAMG;AAEH,OAAO,KAAK,EAAE,OAAO,EAAE,kBAAkB,EAAE,MAAM,EAAE,MAAM,aAAa,CAAC;AAEvE,MAAM,WAAW,aAAa;IAC5B,QAAQ,EAAE,OAAO,EAAE,CAAC;IACpB,OAAO,EAAE,OAAO,CAAC,MAAM,CAAC,OAAO,EAAE,MAAM,CAAC,CAAC,CAAC;CAC3C;AAED,MAAM,WAAW,MAAM;IACrB,8CAA8C;IAC9C,QAAQ,CAAC,QAAQ,EAAE,OAAO,EAAE,CAAC;IAC7B,6CAA6C;IAC7C,OAAO,CAAC,OAAO,CAAC,EAAE,OAAO,GAAG,MAAM,CAAC;IACnC,gEAAgE;IAChE,MAAM,CAAC,OAAO,EAAE,OAAO,GAAG,MAAM,CAAC;IACjC,sDAAsD;IACtD,GAAG,CAAC,OAAO,EAAE,OAAO,GAAG,OAAO,CAAC;IAC/B,sFAAsF;IACtF,OAAO,CAAC,OAAO,CAAC,EAAE,OAAO,GAAG,OAAO,CAAC,MAAM,CAAC,CAAC;IAC5C;;;OAGG;IACH,eAAe,CAAC,IAAI,EAAE,kBAAkB,EAAE,GAAG,kBAAkB,GAAG,SAAS,CAAC;IAC5E;;;;;OAKG;IACH,wBAAwB,CAAC,IAAI,EAAE,kBAAkB,EAAE,GAAG,OAAO,CAAC,kBAAkB,GAAG,SAAS,CAAC,CAAC;CAC/F;AAED,wBAAgB,YAAY,CAAC,IAAI,EAAE,aAAa,GAAG,MAAM,CAuExD"}

package/dist/wallet/index.js

@@ -14,6 +14,36 @@ export function createWallet(opts) {
             throw new Error(`No signer configured for network "${network}"`);
         return s;
     }
+    /** Normalize an EIP-155 / Solana-CAIP network string to a configured slug. */
+    function matchNetwork(raw) {
+        if (signers[raw])
+            return raw;
+        // Solana CAIP — `solana:<genesis-hash>` (mainnet/devnet/testnet) → "solana".
+        if ((raw === "solana" || raw.startsWith("solana:") || raw.startsWith("solana-")) && signers["solana"]) {
+            return "solana";
+        }
+        if (raw === "eip155:8453" && signers["base"])
+            return "base";
+        if (raw === "eip155:1" && signers["ethereum"])
+            return "ethereum";
+        if (raw === "eip155:42161" && signers["arbitrum"])
+            return "arbitrum";
+        if (raw === "eip155:10" && signers["optimism"])
+            return "optimism";
+        return undefined;
+    }
+    /** USDC balance for a network slug; 0 when the signer can't report it. */
+    async function balanceOf(network) {
+        const s = signers[network];
+        if (!s || typeof s.balance !== "function")
+            return 0;
+        try {
+            return await s.balance();
+        }
+        catch {
+            return 0;
+        }
+    }
     return {
         networks,
         address(network = networks[0]) {
@@ -21,40 +51,33 @@ export function createWallet(opts) {
         },
         signer,
         has: (network) => Boolean(signers[network]),
-        async balance(network = networks[0]) {
-            // v0: signers may expose a `balance()` method; fall back to 0 if not.
-            const s = signers[network];
-            if (!s)
-                return 0;
-            if (typeof s.balance === "function")
-                return s.balance();
-            return 0;
-        },
+        balance: (network = networks[0]) => balanceOf(network),
         pickRequirement(reqs) {
-            // Normalize EIP-155 strings ("eip155:8453") to our network slugs.
-            const matchNetwork = (raw) => {
-                if (signers[raw])
-                    return raw;
-                // Solana CAIP — `solana:<genesis-hash>` (mainnet/devnet/testnet) → "solana".
-                if ((raw === "solana" || raw.startsWith("solana:") || raw.startsWith("solana-")) && signers["solana"]) {
-                    return "solana";
-                }
-                if (raw === "eip155:8453" && signers["base"])
-                    return "base";
-                if (raw === "eip155:1" && signers["ethereum"])
-                    return "ethereum";
-                if (raw === "eip155:42161" && signers["arbitrum"])
-                    return "arbitrum";
-                if (raw === "eip155:10" && signers["optimism"])
-                    return "optimism";
-                return undefined;
-            };
             for (const req of reqs) {
                 if (matchNetwork(req.network))
                     return req;
             }
             return undefined;
         },
+        async pickRequirementByBalance(reqs) {
+            // Keep only options we can actually sign for, preserving listed order.
+            const candidates = reqs.filter((r) => matchNetwork(r.network));
+            if (candidates.length <= 1)
+                return candidates[0];
+            // Read balances for each candidate's network in parallel. Cost compare
+            // assumes USDC (6 decimals) — the asset for virtually all x402 calls.
+            const scored = await Promise.all(candidates.map(async (req) => {
+                const net = matchNetwork(req.network);
+                const bal = await balanceOf(net);
+                const need = req.amount ? Number(req.amount) / 1_000_000 : 0;
+                return { req, bal, need };
+            }));
+            // First (in listed order) that can cover the cost; else best-funded.
+            const affordable = scored.find((c) => c.bal > 0 && c.bal >= c.need);
+            if (affordable)
+                return affordable.req;
+            return scored.reduce((a, b) => (b.bal > a.bal ? b : a)).req;
+        },
     };
 }
 //# sourceMappingURL=index.js.map

package/dist/wallet/index.js.map

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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@xona-labs/xpay",
-  "version": "0.1.27",
+  "version": "0.1.29",
   "description": "Discovery and usage layer for agentic commerce — multi-network wallet, x402 payments, 20k+ services via PayAI and other catalogs",
   "type": "module",
   "main": "dist/index.js",