mppx 0.3.13 → 0.3.15

package/dist/cli.js

@@ -1,1035 +1,1485 @@
-#!/usr/bin/env node
 import * as child from 'node:child_process';
 import * as fs from 'node:fs';
 import { createRequire } from 'node:module';
 import * as os from 'node:os';
 import * as path from 'node:path';
 import * as readline from 'node:readline';
-import { cac } from 'cac';
+import { Cli, z } from 'incur';
 import { Base64 } from 'ox';
 import { createClient, http } from 'viem';
 import { generatePrivateKey, privateKeyToAccount } from 'viem/accounts';
 import { tempo as tempoMainnet, tempoModerato } from 'viem/chains';
-import { z } from 'zod/mini';
 import * as Challenge from './Challenge.js';
 import * as Credential from './Credential.js';
 import * as Mppx from './client/Mppx.js';
 import { stripe } from './stripe/client/index.js';
 import { tempo } from './tempo/client/index.js';
 import { signVoucher } from './tempo/session/Voucher.js';
+function readStdin() {
+    return new Promise((resolve, reject) => {
+        let data = '';
+        process.stdin.setEncoding('utf-8');
+        process.stdin.on('data', (chunk) => {
+            data += chunk;
+        });
+        process.stdin.on('end', () => resolve(data.trim()));
+        process.stdin.on('error', reject);
+    });
+}
 const require = createRequire(import.meta.url);
 const { name, version } = require('../package.json');
-const cli = cac(name);
-cli
-    .command('[url]', 'Make HTTP request with automatic payment')
-    .option('-a, --account <name>', 'Account name (env: MPPX_ACCOUNT)')
-    .option('-d, --data <data>', 'Send request body (implies POST unless -X is set)')
-    .option('-f, --fail', 'Fail silently on HTTP errors (exit 22)')
-    .option('-i, --include', 'Include response headers in output')
-    .option('-k, --insecure', 'Skip TLS certificate verification (true for localhost/.local)')
-    .option('-r, --rpc-url <url>', 'RPC endpoint, defaults to public RPC for chain (env: MPPX_RPC_URL)')
-    .option('-s, --silent', 'Silent mode (suppress progress and info)')
-    .option('-v, --verbose', 'Show request/response headers')
-    .option('-A, --user-agent <ua>', 'Set User-Agent header')
-    .option('-H, --header <header>', 'Add header (repeatable)')
-    .option('-L, --location', 'Follow redirects')
-    .option('-X, --method <method>', 'HTTP method')
-    .option('-M, --method-opt <opt>', 'Method-specific option (key=value, repeatable)')
-    .option('--confirm', 'Show confirmation prompts')
-    .option('--json <json>', 'Send JSON body (sets Content-Type and Accept, implies POST)')
-    .example(`${name} example.com/content`)
-    .example(`${name} example.com/api --json '{"key":"value"}'`)
-    .action(async (rawUrl, rawOptions) => {
-    const options = parseOptions(z.object({
-        account: z.optional(z.string()),
-        confirm: z.optional(z.boolean()),
-        data: z.optional(z.string()),
-        fail: z.optional(z.boolean()),
-        header: z.optional(z.union([z.string(), z.array(z.string())])),
-        include: z.optional(z.boolean()),
-        insecure: z.optional(z.boolean()),
-        json: z.optional(z.string()),
-        location: z.optional(z.boolean()),
-        method: z.optional(z.string()),
-        methodOpt: z.optional(z.union([z.string(), z.array(z.string())])),
-        rpcUrl: z.optional(z.string()),
-        silent: z.optional(z.boolean()),
-        userAgent: z.optional(z.string()),
-        verbose: z.optional(z.boolean()),
-    }), rawOptions);
-    const methodOpts = parseMethodOpts(options.methodOpt);
-    if (!rawUrl) {
-        cli.outputHelp();
-        return;
-    }
-    const silent = options.silent ?? false;
-    const info = silent ? (_msg) => { } : (msg) => process.stderr.write(msg);
-    if (silent)
-        options.confirm = false;
-    const accountName = resolveAccountName(options.account);
-    const headers = {};
-    if (options.header) {
-        const headerList = Array.isArray(options.header) ? options.header : [options.header];
-        for (const header of headerList) {
-            const index = header.indexOf(':');
-            if (index === -1) {
-                console.error(`Invalid header format: ${header}`);
-                process.exit(1);
+const cli = Cli.create('mppx', {
+    version,
+    description: 'Make HTTP requests with automatic payment',
+    usage: [{ suffix: '<url> [options]' }],
+    args: z.object({
+        url: z.string().describe('URL to make payment request to'),
+    }),
+    options: z.object({
+        account: z.string().optional().describe('Account name (env: MPPX_ACCOUNT)'),
+        confirm: z.boolean().optional().describe('Show confirmation prompts'),
+        data: z.string().optional().describe('Send request body (implies POST unless -X is set)'),
+        fail: z.boolean().optional().describe('Fail silently on HTTP errors (exit 22)'),
+        header: z.array(z.string()).optional().describe('Add header (repeatable)'),
+        include: z.boolean().optional().describe('Include response headers in output'),
+        insecure: z
+            .boolean()
+            .optional()
+            .describe('Skip TLS certificate verification (true for localhost/.local)'),
+        jsonBody: z
+            .string()
+            .optional()
+            .describe('Send JSON body (sets Content-Type and Accept, implies POST)'),
+        location: z.boolean().optional().describe('Follow redirects'),
+        method: z.string().optional().describe('HTTP method'),
+        methodOpt: z
+            .array(z.string())
+            .optional()
+            .describe('Method-specific option (key=value, repeatable)'),
+        rpcUrl: z
+            .string()
+            .optional()
+            .describe('RPC endpoint, defaults to public RPC for chain (env: MPPX_RPC_URL)'),
+        silent: z.boolean().optional().describe('Silent mode (suppress progress and info)'),
+        userAgent: z.string().optional().describe('Set User-Agent header'),
+        verbose: z
+            .number()
+            .default(0)
+            .meta({ count: true })
+            .describe('Verbosity (-v details, -vv headers)'),
+    }),
+    alias: {
+        account: 'a',
+        data: 'd',
+        fail: 'f',
+        header: 'H',
+        include: 'i',
+        insecure: 'k',
+        jsonBody: 'J',
+        location: 'L',
+        method: 'X',
+        methodOpt: 'M',
+        rpcUrl: 'r',
+        silent: 's',
+        userAgent: 'A',
+        verbose: 'v',
+    },
+    examples: [
+        { args: { url: 'example.com/content' }, description: 'Make a payment request' },
+        {
+            args: { url: 'example.com/api' },
+            options: { jsonBody: '{"key":"value"}' },
+            description: 'POST JSON with payment',
+        },
+    ],
+    async run({ args, options, error }) {
+        const methodOpts = parseMethodOpts(options.methodOpt);
+        const silent = options.silent ?? false;
+        const info = silent ? (_msg) => { } : (msg) => process.stderr.write(msg);
+        let confirmEnabled = options.confirm ?? false;
+        if (silent)
+            confirmEnabled = false;
+        const accountName = resolveAccountName(options.account);
+        const headers = {};
+        if (options.header) {
+            for (const header of options.header) {
+                const index = header.indexOf(':');
+                if (index === -1) {
+                    return error({
+                        code: 'INVALID_HEADER',
+                        message: `Invalid header format: ${header}`,
+                        exitCode: 2,
+                    });
+                }
+                headers[header.slice(0, index).trim()] = header.slice(index + 1).trim();
             }
-            headers[header.slice(0, index).trim()] = header.slice(index + 1).trim();
         }
-    }
-    headers['User-Agent'] = options.userAgent ?? `${name}/${version}`;
-    const url = (() => {
-        const hasProtocol = /^https?:\/\//.test(rawUrl);
-        const isLocal = /^(localhost|127\.0\.0\.1|\[::1\])(:\d+)?/.test(rawUrl);
-        return hasProtocol ? rawUrl : `${isLocal ? 'http' : 'https'}://${rawUrl}`;
-    })();
-    const { hostname } = new URL(url);
-    if (options.insecure || hostname === 'localhost' || hostname.endsWith('.local')) {
-        process.removeAllListeners('warning');
-        process.env.NODE_TLS_REJECT_UNAUTHORIZED = '0';
-    }
-    try {
-        const fetchInit = { redirect: options.location ? 'follow' : 'manual' };
-        if (options.json) {
-            fetchInit.body = options.json;
-            headers['Content-Type'] ??= 'application/json';
-            headers.Accept ??= 'application/json';
+        headers['User-Agent'] = options.userAgent ?? `${name}/${version}`;
+        const rawUrl = args.url;
+        const url = (() => {
+            const hasProtocol = /^https?:\/\//.test(rawUrl);
+            const isLocal = /^(localhost|.*\.localhost|127\.0\.0\.1|\[::1\])(:\d+)?/.test(rawUrl);
+            return hasProtocol ? rawUrl : `${isLocal ? 'http' : 'https'}://${rawUrl}`;
+        })();
+        const { hostname } = new URL(url);
+        if (options.insecure ||
+            hostname === 'localhost' ||
+            hostname.endsWith('.localhost') ||
+            hostname.endsWith('.local')) {
+            process.removeAllListeners('warning');
+            process.env.NODE_TLS_REJECT_UNAUTHORIZED = '0';
         }
-        else if (options.data) {
-            fetchInit.body = options.data;
+        // Node.js doesn't resolve *.localhost subdomains to loopback (unlike
+        // browsers per RFC 6761). Rewrite the URL to 127.0.0.1 and set the
+        // Host header so reverse proxies can route correctly.
+        const isSubLocalhost = hostname.endsWith('.localhost') && hostname !== 'localhost';
+        const fetchUrl = isSubLocalhost ? url.replace(hostname, '127.0.0.1') : url;
+        if (isSubLocalhost) {
+            const { host } = new URL(url);
+            headers.Host = host;
         }
-        if (options.method)
-            fetchInit.method = options.method.toUpperCase();
-        else if (fetchInit.body)
-            fetchInit.method = 'POST';
-        if (Object.keys(headers).length > 0)
-            fetchInit.headers = headers;
-        const verbose = options.verbose ?? false;
-        const printRequestHeaders = (reqUrl, init) => {
-            if (!verbose)
-                return;
-            const { pathname, host } = new URL(reqUrl);
-            const method = (init.method ?? 'GET').toUpperCase();
-            info(`> ${method} ${pathname} HTTP/1.1\n`);
-            info(`> Host: ${host}\n`);
-            for (const [k, v] of Object.entries((init.headers ?? {})))
-                info(`> ${k}: ${v}\n`);
-            info('>\n');
-        };
-        const printResponseHeaders = (res) => {
-            if (!options.include && !verbose)
-                return;
-            if (silent)
+        try {
+            const fetchInit = { redirect: options.location ? 'follow' : 'manual' };
+            if (options.jsonBody) {
+                fetchInit.body = options.jsonBody;
+                headers['Content-Type'] ??= 'application/json';
+                headers.Accept ??= 'application/json';
+            }
+            else if (options.data) {
+                fetchInit.body = options.data;
+            }
+            if (options.method)
+                fetchInit.method = options.method.toUpperCase();
+            else if (fetchInit.body)
+                fetchInit.method = 'POST';
+            if (Object.keys(headers).length > 0)
+                fetchInit.headers = headers;
+            const verbose = options.verbose;
+            const printRequestHeaders = (reqUrl, init) => {
+                if (verbose < 2)
+                    return;
+                const { pathname, host } = new URL(reqUrl);
+                const method = (init.method ?? 'GET').toUpperCase();
+                info(`> ${method} ${pathname} HTTP/1.1\n`);
+                info(`> Host: ${host}\n`);
+                for (const [k, v] of Object.entries((init.headers ?? {})))
+                    info(`> ${k}: ${v}\n`);
+                info('>\n');
+            };
+            const printResponseHeaders = (res) => {
+                if (!options.include && verbose < 2)
+                    return;
+                if (silent)
+                    return;
+                const status = `HTTP/1.1 ${res.status} ${res.statusText}`;
+                const out = verbose >= 2 ? process.stderr : process.stdout;
+                const prefix = verbose >= 2 ? '< ' : '';
+                out.write(`${prefix}${status}\n`);
+                for (const [k, v] of res.headers)
+                    out.write(`${prefix}${k}: ${v}\n`);
+                out.write(verbose >= 2 ? '<\n' : '\n');
+            };
+            printRequestHeaders(url, fetchInit);
+            const challengeResponse = await globalThis.fetch(fetchUrl, fetchInit);
+            if (challengeResponse.status !== 402) {
+                if (options.fail && challengeResponse.status >= 400)
+                    return error({
+                        code: 'HTTP_ERROR',
+                        message: `HTTP error ${challengeResponse.status}`,
+                        exitCode: 22,
+                    });
+                printResponseHeaders(challengeResponse);
+                console.log((await challengeResponse.text()).replace(/\n+$/, ''));
                 return;
-            const status = `HTTP/1.1 ${res.status} ${res.statusText}`;
-            const out = verbose ? process.stderr : process.stdout;
-            const prefix = verbose ? '< ' : '';
-            out.write(`${prefix}${status}\n`);
-            for (const [k, v] of res.headers)
-                out.write(`${prefix}${k}: ${v}\n`);
-            out.write(verbose ? '<\n' : '\n');
-        };
-        printRequestHeaders(url, fetchInit);
-        const challengeResponse = await globalThis.fetch(url, fetchInit);
-        if (challengeResponse.status !== 402) {
-            if (options.fail && challengeResponse.status >= 400)
-                process.exit(22);
-            printResponseHeaders(challengeResponse);
-            console.log((await challengeResponse.text()).replace(/\n+$/, ''));
-            return;
-        }
-        const challenge = Challenge.fromResponse(challengeResponse);
-        const challengeRequest = challenge.request;
-        const currency = challengeRequest.currency;
-        const shownKeys = new Set();
-        let tokenSymbol = challenge.method === 'stripe' ? (currency?.toUpperCase() ?? '') : (currency ?? '');
-        let tokenDecimals = challengeRequest.decimals ?? (challenge.method === 'stripe' ? 2 : 6);
-        let explorerUrl;
-        // Tempo-specific setup (private key, viem account/client, token info)
-        let account;
-        let client;
-        if (challenge.method === 'tempo') {
-            const privateKey = process.env.MPPX_PRIVATE_KEY?.trim() || (await createKeychain(accountName).get());
-            if (!privateKey) {
-                if (options.account)
-                    console.error(`Account "${accountName}" not found.`);
-                else
-                    console.error(`No account found.`);
-                process.exit(1);
             }
-            account = privateKeyToAccount(privateKey);
-            const rpcUrl = options.rpcUrl ?? process.env.RPC_URL;
-            client = createClient({
-                chain: await resolveChain({ ...options, rpcUrl }),
-                transport: http(rpcUrl),
-            });
-            explorerUrl = client.chain?.blockExplorers?.default?.url;
-            const tokenInfo = currency
-                ? await fetchTokenInfo(client, currency, account.address).catch(() => undefined)
-                : undefined;
-            tokenSymbol = tokenInfo?.symbol ?? currency ?? '';
-            tokenDecimals =
-                tokenInfo?.decimals ?? challengeRequest.decimals ?? 6;
-        }
-        {
-            printResponseHeaders(challengeResponse);
-            const request = challengeRequest;
-            const balanceKeys = new Set(['amount', 'suggestedDeposit', 'minVoucherDelta']);
-            const skipKeys = new Set(['decimals', 'currency', 'methodDetails']);
-            const fmtRequestValue = (key, value) => {
-                if (balanceKeys.has(key) && typeof value === 'string') {
-                    return `${value} ${pc.dim(`(${fmtBalance(BigInt(value), tokenSymbol, tokenDecimals)})`)}`;
+            const challenge = Challenge.fromResponse(challengeResponse);
+            const challengeRequest = challenge.request;
+            const currency = challengeRequest.currency;
+            const shownKeys = new Set();
+            let tokenSymbol = challenge.method === 'stripe' ? (currency?.toUpperCase() ?? '') : (currency ?? '');
+            let tokenDecimals = challengeRequest.decimals ?? (challenge.method === 'stripe' ? 2 : 6);
+            let explorerUrl;
+            // Tempo-specific setup (private key, viem account/client, token info)
+            let account;
+            let client;
+            let useTempoCliSign = false;
+            if (challenge.method === 'tempo') {
+                const privateKey = process.env.MPPX_PRIVATE_KEY?.trim() ||
+                    (isTempoAccount(accountName) ? undefined : await createKeychain(accountName).get());
+                if (!privateKey && isTempoAccount(accountName) && hasTempoCliSync()) {
+                    useTempoCliSign = true;
+                    // Resolve wallet address from keys.toml for display/balance
+                    const tempoEntry = resolveTempoAccount(accountName);
+                    if (tempoEntry) {
+                        const rpcUrl = options.rpcUrl ?? process.env.RPC_URL;
+                        client = createClient({
+                            chain: await resolveChain({ ...options, rpcUrl }),
+                            transport: http(rpcUrl),
+                        });
+                        explorerUrl = client.chain?.blockExplorers?.default?.url;
+                        const tokenInfo = currency
+                            ? await fetchTokenInfo(client, currency, tempoEntry.wallet_address).catch(() => undefined)
+                            : undefined;
+                        tokenSymbol = tokenInfo?.symbol ?? currency ?? '';
+                        tokenDecimals =
+                            tokenInfo?.decimals ?? challengeRequest.decimals ?? 6;
+                    }
                 }
-                if (key === 'chainId' && typeof value === 'number') {
-                    const name = chainName({ id: value, name: '' });
-                    return name ? `${value} ${pc.dim(`(${name})`)}` : String(value);
+                else if (!privateKey) {
+                    // tempo CLI not available — try silent fallback
+                    const fallback = fallbackFromTempo();
+                    if (fallback) {
+                        const fallbackKey = await createKeychain(fallback).get();
+                        if (fallbackKey) {
+                            account = privateKeyToAccount(fallbackKey);
+                        }
+                    }
+                    if (!account) {
+                        if (options.account)
+                            return error({
+                                code: 'ACCOUNT_NOT_FOUND',
+                                message: `Account "${accountName}" not found.`,
+                                exitCode: 69,
+                            });
+                        else
+                            return error({
+                                code: 'ACCOUNT_NOT_FOUND',
+                                message: 'No account found.',
+                                exitCode: 69,
+                            });
+                    }
                 }
-                if (typeof value === 'string' && /^0x[0-9a-fA-F]{40}$/.test(value))
-                    return explorerUrl ? pc.link(`${explorerUrl}/address/${value}`, value) : value;
-                if (typeof value === 'string' && /^https?:\/\//.test(value))
-                    return pc.link(value, value);
-                return String(value);
-            };
-            const decodeMemo = (hex) => {
-                try {
-                    const stripped = hex.replace(/^0x0*/, '');
-                    if (!stripped)
-                        return undefined;
-                    const bytes = Uint8Array.from(stripped.match(/.{1,2}/g).map((b) => Number.parseInt(b, 16)));
-                    const decoded = new TextDecoder().decode(bytes);
-                    return /^[\x20-\x7e]+$/.test(decoded) ? decoded : undefined;
+                else {
+                    account = privateKeyToAccount(privateKey);
                 }
-                catch {
-                    return undefined;
+                if (!useTempoCliSign && account) {
+                    const rpcUrl = options.rpcUrl ?? process.env.RPC_URL;
+                    client = createClient({
+                        chain: await resolveChain({ ...options, rpcUrl }),
+                        transport: http(rpcUrl),
+                    });
+                    explorerUrl = client.chain?.blockExplorers?.default?.url;
+                    const tokenInfo = currency
+                        ? await fetchTokenInfo(client, currency, account.address).catch(() => undefined)
+                        : undefined;
+                    tokenSymbol = tokenInfo?.symbol ?? currency ?? '';
+                    tokenDecimals =
+                        tokenInfo?.decimals ?? challengeRequest.decimals ?? 6;
                 }
-            };
-            const skipChallengeKeys = new Set(['id', 'request']);
-            const fmtChallengeValue = (key, value) => {
-                if (key === 'realm' && typeof value === 'string') {
+            }
+            {
+                printResponseHeaders(challengeResponse);
+                const request = challengeRequest;
+                const balanceKeys = new Set(['amount', 'suggestedDeposit', 'minVoucherDelta']);
+                const skipKeys = new Set(['decimals', 'currency', 'methodDetails']);
+                const fmtRequestValue = (key, value) => {
+                    if (balanceKeys.has(key) && typeof value === 'string') {
+                        return `${value} ${pc.dim(`(${fmtBalance(BigInt(value), tokenSymbol, tokenDecimals)})`)}`;
+                    }
+                    if (key === 'chainId' && typeof value === 'number') {
+                        const name = chainName({ id: value, name: '' });
+                        return name ? `${value} ${pc.dim(`(${name})`)}` : String(value);
+                    }
+                    if (typeof value === 'string' && /^0x[0-9a-fA-F]{40}$/.test(value))
+                        return explorerUrl ? pc.link(`${explorerUrl}/address/${value}`, value) : value;
+                    if (typeof value === 'string' && /^https?:\/\//.test(value))
+                        return pc.link(value, value);
+                    return String(value);
+                };
+                const decodeMemo = (hex) => {
                     try {
-                        const realmUrl = new URL(value.includes('://') ? value : `https://${value}`);
-                        return pc.link(realmUrl.href, value);
+                        const stripped = hex.replace(/^0x0*/, '');
+                        if (!stripped)
+                            return undefined;
+                        const bytes = Uint8Array.from(stripped.match(/.{1,2}/g).map((b) => Number.parseInt(b, 16)));
+                        const decoded = new TextDecoder().decode(bytes);
+                        return /^[\x20-\x7e]+$/.test(decoded) ? decoded : undefined;
                     }
-                    catch { }
+                    catch {
+                        return undefined;
+                    }
+                };
+                const skipChallengeKeys = new Set(['id', 'request']);
+                const fmtChallengeValue = (key, value) => {
+                    if (key === 'realm' && typeof value === 'string') {
+                        try {
+                            const realmUrl = new URL(value.includes('://') ? value : `https://${value}`);
+                            return pc.link(realmUrl.href, value);
+                        }
+                        catch { }
+                    }
+                    return String(value);
+                };
+                const challengeRows = [];
+                for (const [key, value] of Object.entries(challenge)) {
+                    if (skipChallengeKeys.has(key) || value === undefined)
+                        continue;
+                    challengeRows.push([key, fmtChallengeValue(key, value)]);
                 }
-                return String(value);
-            };
-            const challengeRows = [];
-            for (const [key, value] of Object.entries(challenge)) {
-                if (skipChallengeKeys.has(key) || value === undefined)
-                    continue;
-                challengeRows.push([key, fmtChallengeValue(key, value)]);
-            }
-            challengeRows.sort(([a], [b]) => a.localeCompare(b));
-            const requestRows = [];
-            for (const [key, value] of Object.entries(request)) {
-                if (skipKeys.has(key) || value === undefined)
-                    continue;
-                requestRows.push([key, fmtRequestValue(key, value)]);
-            }
-            requestRows.sort(([a], [b]) => a.localeCompare(b));
-            const detailRows = [];
-            const methodDetails = request.methodDetails;
-            if (methodDetails) {
-                for (const [key, value] of Object.entries(methodDetails)) {
-                    if (value === undefined)
+                challengeRows.sort(([a], [b]) => a.localeCompare(b));
+                const requestRows = [];
+                for (const [key, value] of Object.entries(request)) {
+                    if (skipKeys.has(key) || value === undefined)
                         continue;
-                    if (key === 'memo' && typeof value === 'string') {
-                        const decoded = decodeMemo(value);
-                        detailRows.push([key, decoded ? `${decoded}\n${pc.dim(value)}` : value]);
+                    requestRows.push([key, fmtRequestValue(key, value)]);
+                }
+                requestRows.sort(([a], [b]) => a.localeCompare(b));
+                const detailRows = [];
+                const methodDetails = request.methodDetails;
+                if (methodDetails) {
+                    for (const [key, value] of Object.entries(methodDetails)) {
+                        if (value === undefined)
+                            continue;
+                        if (key === 'memo' && typeof value === 'string') {
+                            const decoded = decodeMemo(value);
+                            detailRows.push([key, decoded ? `${decoded}\n${pc.dim(value)}` : value]);
+                        }
+                        else {
+                            detailRows.push([key, fmtRequestValue(key, value)]);
+                        }
                     }
-                    else {
-                        detailRows.push([key, fmtRequestValue(key, value)]);
+                    detailRows.sort(([a], [b]) => a.localeCompare(b));
+                }
+                const sections = [
+                    ['Challenge', challengeRows],
+                    ['Request', requestRows],
+                    ...(detailRows.length ? [['Details', detailRows]] : []),
+                ];
+                for (const [, rows] of sections)
+                    for (const [key] of rows)
+                        shownKeys.add(key);
+                const pad = Math.max(...sections.flatMap(([, rows]) => rows.map(([k]) => k.length)));
+                const indent = `  ${''.padEnd(pad)}  `;
+                if (verbose >= 1 || confirmEnabled) {
+                    info(`${pc.bold(pc.yellow('Payment Required'))}\n`);
+                    for (const [title, rows] of sections) {
+                        info(`${pc.bold(title)}\n`);
+                        for (const [label, value] of rows) {
+                            const [first, ...rest] = value.split('\n');
+                            info(`  ${pc.dim(label.padEnd(pad))}  ${first}\n`);
+                            for (const line of rest)
+                                info(`${indent}${line}\n`);
+                        }
                     }
                 }
-                detailRows.sort(([a], [b]) => a.localeCompare(b));
-            }
-            const sections = [
-                ['Challenge', challengeRows],
-                ['Request', requestRows],
-                ...(detailRows.length ? [['Details', detailRows]] : []),
-            ];
-            for (const [, rows] of sections)
-                for (const [key] of rows)
-                    shownKeys.add(key);
-            const pad = Math.max(...sections.flatMap(([, rows]) => rows.map(([k]) => k.length)));
-            const indent = `  ${''.padEnd(pad)}  `;
-            info(`${pc.bold(pc.yellow('Payment Required'))}\n`);
-            for (const [title, rows] of sections) {
-                info(`${pc.bold(title)}\n`);
-                for (const [label, value] of rows) {
-                    const [first, ...rest] = value.split('\n');
-                    info(`  ${pc.dim(label.padEnd(pad))}  ${first}\n`);
-                    for (const line of rest)
-                        info(`${indent}${line}\n`);
+                if (confirmEnabled) {
+                    info('\n');
+                    const ok = await confirm(`Proceed with ${challenge.intent}?`, true);
+                    if (!ok) {
+                        info('Aborted.\n');
+                        return;
+                    }
                 }
             }
-            if (options.confirm) {
-                info('\n');
-                const ok = await confirm(`Proceed with ${challenge.intent}?`, true);
-                if (!ok) {
-                    info('Aborted.\n');
-                    process.exit(0);
+            let credential;
+            if (challenge.method === 'tempo' && useTempoCliSign) {
+                const wwwAuth = challengeResponse.headers.get('www-authenticate');
+                if (!wwwAuth) {
+                    return error({
+                        code: 'MISSING_CHALLENGE',
+                        message: 'No WWW-Authenticate header in 402 response.',
+                        exitCode: 2,
+                    });
                 }
+                credential = await tempoCliSign(wwwAuth);
             }
-        }
-        let credential;
-        if (challenge.method === 'tempo') {
-            if (!account || !client) {
-                console.error('Tempo requires a configured account.');
-                process.exit(1);
-            }
-            const tempoOpts = parseOptions(z.object({
-                channel: z.optional(z.coerce.string()),
-                deposit: z.optional(z.union([z.string(), z.number()])),
-            }), methodOpts);
-            const mppx = Mppx.create({
-                methods: tempo({
-                    account,
-                    getClient: () => client,
-                    deposit: (() => {
-                        if (challenge.intent !== 'session')
-                            return undefined;
-                        const suggestedDeposit = challenge.request
-                            .suggestedDeposit;
-                        const cliDeposit = tempoOpts.deposit !== undefined ? String(tempoOpts.deposit) : undefined;
-                        const resolved = suggestedDeposit ?? cliDeposit ?? (isTestnet(client.chain) ? '10' : undefined);
-                        if (!resolved) {
-                            console.error('Session payment requires a deposit. Use -M deposit=<amount> or connect to testnet.');
-                            process.exit(1);
-                        }
-                        return resolved;
-                    })(),
-                }),
-                polyfill: false,
-            });
-            credential = await mppx.createCredential(challengeResponse, (() => {
-                if (!tempoOpts.channel)
-                    return undefined;
-                const channelId = tempoOpts.channel;
-                const saved = readChannelCumulative(channelId);
-                return {
-                    channelId,
-                    ...(saved !== undefined && { cumulativeAmountRaw: saved.toString() }),
-                };
-            })());
-        }
-        else if (challenge.method === 'stripe') {
-            const stripeOpts = parseOptions(z.object({
-                paymentMethod: z.string(),
-            }), methodOpts);
-            const stripeSecretKey = process.env.MPPX_STRIPE_SECRET_KEY;
-            if (!stripeSecretKey) {
-                console.error('\nMPPX_STRIPE_SECRET_KEY environment variable is required for Stripe payments.');
-                process.exit(1);
-            }
-            if (!stripeSecretKey.startsWith('sk_test_')) {
-                console.error('\nStripe CLI payments are currently only supported in test mode (sk_test_... keys).');
-                process.exit(1);
-            }
-            const mppx = Mppx.create({
-                methods: [
-                    stripe.charge({
-                        paymentMethod: stripeOpts.paymentMethod,
-                        createToken: async ({ paymentMethod, amount, currency, networkId, expiresAt, metadata, }) => {
-                            const body = new URLSearchParams({
-                                payment_method: paymentMethod,
-                                'usage_limits[currency]': currency,
-                                'usage_limits[max_amount]': amount,
-                                'usage_limits[expires_at]': expiresAt.toString(),
-                            });
-                            if (networkId)
-                                body.set('seller_details[network_id]', networkId);
-                            if (metadata) {
-                                for (const [key, value] of Object.entries(metadata)) {
-                                    body.set(`metadata[${key}]`, value);
-                                }
+            else if (challenge.method === 'tempo') {
+                if (!account || !client) {
+                    return error({
+                        code: 'ACCOUNT_NOT_FOUND',
+                        message: 'Tempo requires a configured account.',
+                        exitCode: 69,
+                    });
+                }
+                const tempoOpts = parseOptions(z.object({
+                    channel: z.optional(z.coerce.string()),
+                    deposit: z.optional(z.union([z.string(), z.number()])),
+                }), methodOpts);
+                const mppx = Mppx.create({
+                    methods: tempo({
+                        account,
+                        getClient: () => client,
+                        deposit: (() => {
+                            if (challenge.intent !== 'session')
+                                return undefined;
+                            const suggestedDeposit = challenge.request
+                                .suggestedDeposit;
+                            const cliDeposit = tempoOpts.deposit !== undefined ? String(tempoOpts.deposit) : undefined;
+                            const resolved = suggestedDeposit ?? cliDeposit ?? (isTestnet(client.chain) ? '10' : undefined);
+                            if (!resolved) {
+                                return error({
+                                    code: 'MISSING_DEPOSIT',
+                                    message: 'Session payment requires a deposit. Use -M deposit=<amount> or connect to testnet.',
+                                    exitCode: 2,
+                                });
                             }
-                            const sptUrl = process.env.MPPX_STRIPE_SPT_URL ??
-                                'https://api.stripe.com/v1/test_helpers/shared_payment/granted_tokens';
-                            const sptHeaders = {
-                                Authorization: `Basic ${btoa(`${stripeSecretKey}:`)}`,
-                                'Content-Type': 'application/x-www-form-urlencoded',
-                            };
-                            let response = await globalThis.fetch(sptUrl, {
-                                method: 'POST',
-                                headers: sptHeaders,
-                                body,
-                            });
-                            if (!response.ok) {
-                                const errorBody = (await response.json());
-                                if ((metadata || networkId) &&
-                                    errorBody.error.message.includes('Received unknown parameter')) {
-                                    const fallbackBody = new URLSearchParams({
-                                        payment_method: paymentMethod,
-                                        'usage_limits[currency]': currency,
-                                        'usage_limits[max_amount]': amount,
-                                        'usage_limits[expires_at]': expiresAt.toString(),
-                                    });
-                                    response = await globalThis.fetch(sptUrl, {
-                                        method: 'POST',
-                                        headers: sptHeaders,
-                                        body: fallbackBody,
-                                    });
-                                    if (!response.ok) {
-                                        const fallbackError = (await response.json());
-                                        throw new Error(`Failed to create SPT: ${fallbackError.error.message}`);
+                            return resolved;
+                        })(),
+                    }),
+                    polyfill: false,
+                });
+                credential = await mppx.createCredential(challengeResponse, (() => {
+                    if (!tempoOpts.channel)
+                        return undefined;
+                    const channelId = tempoOpts.channel;
+                    const saved = readChannelCumulative(channelId);
+                    return {
+                        channelId,
+                        ...(saved !== undefined && { cumulativeAmountRaw: saved.toString() }),
+                    };
+                })());
+            }
+            else if (challenge.method === 'stripe') {
+                const stripeOpts = parseOptions(z.object({
+                    paymentMethod: z.string(),
+                }), methodOpts);
+                const stripeSecretKey = process.env.MPPX_STRIPE_SECRET_KEY;
+                if (!stripeSecretKey) {
+                    return error({
+                        code: 'MISSING_ENV',
+                        message: 'MPPX_STRIPE_SECRET_KEY environment variable is required for Stripe payments.',
+                        exitCode: 2,
+                    });
+                }
+                if (!stripeSecretKey.startsWith('sk_test_')) {
+                    return error({
+                        code: 'UNSUPPORTED_MODE',
+                        message: 'Stripe CLI payments are currently only supported in test mode (sk_test_... keys).',
+                        exitCode: 2,
+                    });
+                }
+                const mppx = Mppx.create({
+                    methods: [
+                        stripe.charge({
+                            paymentMethod: stripeOpts.paymentMethod,
+                            createToken: async ({ paymentMethod, amount, currency, networkId, expiresAt, metadata, }) => {
+                                const body = new URLSearchParams({
+                                    payment_method: paymentMethod,
+                                    'usage_limits[currency]': currency,
+                                    'usage_limits[max_amount]': amount,
+                                    'usage_limits[expires_at]': expiresAt.toString(),
+                                });
+                                if (networkId)
+                                    body.set('seller_details[network_id]', networkId);
+                                if (metadata) {
+                                    for (const [key, value] of Object.entries(metadata)) {
+                                        body.set(`metadata[${key}]`, value);
                                     }
                                 }
-                                else {
-                                    throw new Error(`Failed to create SPT: ${errorBody.error.message}`);
+                                const sptUrl = process.env.MPPX_STRIPE_SPT_URL ??
+                                    'https://api.stripe.com/v1/test_helpers/shared_payment/granted_tokens';
+                                const sptHeaders = {
+                                    Authorization: `Basic ${btoa(`${stripeSecretKey}:`)}`,
+                                    'Content-Type': 'application/x-www-form-urlencoded',
+                                };
+                                let response = await globalThis.fetch(sptUrl, {
+                                    method: 'POST',
+                                    headers: sptHeaders,
+                                    body,
+                                });
+                                if (!response.ok) {
+                                    const errorBody = (await response.json());
+                                    if ((metadata || networkId) &&
+                                        errorBody.error.message.includes('Received unknown parameter')) {
+                                        const fallbackBody = new URLSearchParams({
+                                            payment_method: paymentMethod,
+                                            'usage_limits[currency]': currency,
+                                            'usage_limits[max_amount]': amount,
+                                            'usage_limits[expires_at]': expiresAt.toString(),
+                                        });
+                                        response = await globalThis.fetch(sptUrl, {
+                                            method: 'POST',
+                                            headers: sptHeaders,
+                                            body: fallbackBody,
+                                        });
+                                        if (!response.ok) {
+                                            const fallbackError = (await response.json());
+                                            return error({
+                                                code: 'STRIPE_ERROR',
+                                                message: `Failed to create SPT: ${fallbackError.error.message}`,
+                                                exitCode: 77,
+                                            });
+                                        }
+                                    }
+                                    else {
+                                        return error({
+                                            code: 'STRIPE_ERROR',
+                                            message: `Failed to create SPT: ${errorBody.error.message}`,
+                                            exitCode: 77,
+                                        });
+                                    }
                                 }
-                            }
-                            const { id } = (await response.json());
-                            return id;
-                        },
-                    }),
-                ],
-                polyfill: false,
-            });
-            credential = await mppx.createCredential(challengeResponse);
-        }
-        else {
-            console.error(`Unsupported payment method: ${challenge.method}`);
-            process.exit(1);
-        }
-        const sessionMd = challenge.request.methodDetails;
-        let sessionChannelId;
-        let sessionEscrowContract;
-        let sessionChainId = 0;
-        let sessionCumulativeAmount = 0n;
-        if (challenge.intent === 'session') {
-            const parsed = Credential.deserialize(credential);
-            sessionChannelId = parsed.payload.channelId;
-            sessionChainId = sessionMd?.chainId ?? client?.chain?.id ?? 0;
-            sessionEscrowContract = sessionMd?.escrowContract;
-            if ('cumulativeAmount' in parsed.payload && parsed.payload.cumulativeAmount)
-                sessionCumulativeAmount = BigInt(parsed.payload.cumulativeAmount);
-            if (parsed.payload.action === 'open') {
-                const depositRaw = challengeRequest.suggestedDeposit;
-                const depositDisplay = depositRaw
-                    ? ` ${pc.dim(`(deposit ${depositRaw} ${tokenSymbol})`)}`
-                    : '';
-                const prefix = options.confirm ? '' : '\n';
-                info(`${prefix}${pc.dim(`Channel opened ${parsed.payload.channelId}`)}${depositDisplay}\n`);
+                                const { id } = (await response.json());
+                                return id;
+                            },
+                        }),
+                    ],
+                    polyfill: false,
+                });
+                credential = await mppx.createCredential(challengeResponse);
             }
             else {
-                const prefix = options.confirm ? '' : '\n';
-                info(`${prefix}${pc.dim(`Channel reused ${parsed.payload.channelId}`)}\n`);
+                return error({
+                    code: 'UNSUPPORTED_METHOD',
+                    message: `Unsupported payment method: ${challenge.method}`,
+                    exitCode: 2,
+                });
             }
-        }
-        const credentialFetchInit = {
-            ...fetchInit,
-            headers: { ...fetchInit.headers, Authorization: credential },
-        };
-        printRequestHeaders(url, credentialFetchInit);
-        const credentialResponse = await globalThis.fetch(url, credentialFetchInit);
-        if (options.fail && credentialResponse.status >= 400)
-            process.exit(22);
-        if (credentialResponse.status === 402) {
-            const body = await credentialResponse.text();
-            info(`${pc.bold(pc.red('Payment Rejected'))}\n`);
-            try {
-                const problem = JSON.parse(body);
-                const rows = [];
-                for (const [key, value] of Object.entries(problem)) {
-                    if (value === undefined)
-                        continue;
-                    rows.push([key, String(value)]);
+            const sessionMd = challenge.request.methodDetails;
+            let sessionChannelId;
+            let sessionEscrowContract;
+            let sessionChainId = 0;
+            let sessionCumulativeAmount = 0n;
+            if (challenge.intent === 'session') {
+                const parsed = Credential.deserialize(credential);
+                sessionChannelId = parsed.payload.channelId;
+                sessionChainId = sessionMd?.chainId ?? client?.chain?.id ?? 0;
+                sessionEscrowContract = sessionMd?.escrowContract;
+                if ('cumulativeAmount' in parsed.payload && parsed.payload.cumulativeAmount)
+                    sessionCumulativeAmount = BigInt(parsed.payload.cumulativeAmount);
+                if (verbose >= 1) {
+                    if (parsed.payload.action === 'open') {
+                        const depositRaw = challengeRequest.suggestedDeposit;
+                        const depositDisplay = depositRaw
+                            ? ` ${pc.dim(`(deposit ${depositRaw} ${tokenSymbol})`)}`
+                            : '';
+                        const prefix = confirmEnabled ? '' : '\n';
+                        info(`${prefix}${pc.dim(`Channel opened ${parsed.payload.channelId}`)}${depositDisplay}\n`);
+                    }
+                    else {
+                        const prefix = confirmEnabled ? '' : '\n';
+                        info(`${prefix}${pc.dim(`Channel reused ${parsed.payload.channelId}`)}\n`);
+                    }
                 }
-                rows.sort(([a], [b]) => a.localeCompare(b));
-                const pad = Math.max(...rows.map(([k]) => k.length));
-                for (const [label, value] of rows)
-                    info(`  ${pc.dim(label.padEnd(pad))}  ${value}\n`);
             }
-            catch {
-                if (body)
-                    info(`  ${body}\n`);
+            const credentialFetchInit = {
+                ...fetchInit,
+                headers: {
+                    ...fetchInit.headers,
+                    ...(challenge.intent === 'session' ? { Accept: 'text/event-stream' } : {}),
+                    Authorization: credential,
+                },
+            };
+            printRequestHeaders(url, credentialFetchInit);
+            let credentialResponse = await globalThis.fetch(fetchUrl, credentialFetchInit);
+            if (challenge.intent === 'session' &&
+                credentialResponse.ok &&
+                !credentialResponse.headers.get('Content-Type')?.includes('text/event-stream')) {
+                const parsed = Credential.deserialize(credential);
+                if (parsed.payload.action === 'open' && 'cumulativeAmount' in parsed.payload) {
+                    const tickAmount = BigInt(challenge.request.amount);
+                    sessionCumulativeAmount = BigInt(parsed.payload.cumulativeAmount) + tickAmount;
+                    if (sessionEscrowContract && account && client) {
+                        const signature = await signVoucher(client, account, { channelId: sessionChannelId, cumulativeAmount: sessionCumulativeAmount }, sessionEscrowContract, sessionChainId);
+                        const voucherPayload = {
+                            action: 'voucher',
+                            channelId: sessionChannelId,
+                            cumulativeAmount: sessionCumulativeAmount.toString(),
+                            signature,
+                        };
+                        const voucherCred = Credential.serialize({
+                            challenge,
+                            payload: voucherPayload,
+                            source: `did:pkh:eip155:${sessionChainId}:${account.address}`,
+                        });
+                        credentialResponse = await globalThis.fetch(fetchUrl, {
+                            ...fetchInit,
+                            headers: {
+                                ...fetchInit.headers,
+                                Accept: 'text/event-stream',
+                                Authorization: voucherCred,
+                            },
+                        });
+                    }
+                }
             }
-            process.exit(1);
-        }
-        else {
-            printResponseHeaders(credentialResponse);
-            const receiptHeader = credentialResponse.headers.get('Payment-Receipt');
-            if (receiptHeader) {
+            if (options.fail && credentialResponse.status >= 400)
+                return error({
+                    code: 'HTTP_ERROR',
+                    message: `HTTP error ${credentialResponse.status}`,
+                    exitCode: 22,
+                });
+            if (credentialResponse.status === 402) {
+                const body = await credentialResponse.text();
+                info(`${pc.bold(pc.red('Payment Rejected'))}\n`);
                 try {
-                    const receiptJson = JSON.parse(Base64.toString(receiptHeader));
-                    if (typeof receiptJson.acceptedCumulative === 'string' &&
-                        receiptJson.acceptedCumulative) {
-                        sessionCumulativeAmount = BigInt(receiptJson.acceptedCumulative);
-                        if (sessionChannelId)
-                            writeChannelCumulative(sessionChannelId, sessionCumulativeAmount);
-                    }
-                    info(`\n${pc.bold(pc.green('Payment Receipt'))}\n`);
+                    const problem = JSON.parse(body);
                     const rows = [];
-                    const channelId = receiptJson.channelId;
-                    const reference = receiptJson.reference;
-                    const skipReference = channelId && reference && channelId === reference;
-                    const receiptBalanceKeys = new Set(['acceptedCumulative', 'spent']);
-                    for (const [key, value] of Object.entries(receiptJson)) {
-                        if (value === undefined || shownKeys.has(key))
+                    for (const [key, value] of Object.entries(problem)) {
+                        if (value === undefined)
                             continue;
-                        if (key === 'reference' && skipReference)
-                            continue;
-                        if (receiptBalanceKeys.has(key) && typeof value === 'string') {
-                            rows.push([
-                                key,
-                                `${value} ${pc.dim(`(${fmtBalance(BigInt(value), tokenSymbol, tokenDecimals)})`)}`,
-                            ]);
-                        }
-                        else if ((key === 'reference' || key === 'txHash') &&
-                            typeof value === 'string' &&
-                            explorerUrl) {
-                            rows.push([key, pc.link(`${explorerUrl}/tx/${value}`, value)]);
-                        }
-                        else if (key === 'reference' &&
-                            typeof value === 'string' &&
-                            challenge.method === 'stripe' &&
-                            value.startsWith('pi_')) {
-                            const isTest = process.env.MPPX_STRIPE_SECRET_KEY?.startsWith('sk_test_');
-                            const dashboardUrl = `https://dashboard.stripe.com${isTest ? '/test' : ''}/payments/${value}`;
-                            rows.push([key, pc.link(dashboardUrl, value)]);
-                        }
-                        else
-                            rows.push([key, String(value)]);
+                        rows.push([key, String(value)]);
                     }
                     rows.sort(([a], [b]) => a.localeCompare(b));
                     const pad = Math.max(...rows.map(([k]) => k.length));
                     for (const [label, value] of rows)
                         info(`  ${pc.dim(label.padEnd(pad))}  ${value}\n`);
-                    info('\n');
                 }
-                catch { }
-            }
-            const contentType = credentialResponse.headers.get('Content-Type') ?? '';
-            if (contentType.includes('text/event-stream')) {
-                const reader = credentialResponse.body?.getReader();
-                if (!reader) {
-                    console.error('No response body');
-                    process.exit(1);
+                catch {
+                    if (body)
+                        info(`  ${body}\n`);
                 }
-                const decoder = new TextDecoder();
-                let buffer = '';
-                let currentEvent = '';
-                const sessionCred = challenge.intent === 'session'
-                    ? Credential.deserialize(credential)
-                    : undefined;
-                const channelId = sessionCred?.payload.channelId;
-                const md = challenge.request.methodDetails;
-                const sessionChainId = md?.chainId ?? client?.chain?.id ?? 0;
-                const escrowContract = md?.escrowContract;
-                let cumulativeAmount = sessionCred?.payload &&
-                    'cumulativeAmount' in sessionCred.payload &&
-                    sessionCred.payload.cumulativeAmount
-                    ? BigInt(sessionCred.payload.cumulativeAmount)
-                    : 0n;
-                let _voucherSeq = 0;
-                const termBg = verbose ? await detectTerminalBg() : undefined;
-                const chunkBgs = (() => {
-                    if (!termBg || !pc.isColorSupported)
-                        return undefined;
-                    const clamp = (n) => Math.max(0, Math.min(255, Math.round(n)));
-                    const isDark = 0.299 * termBg.r + 0.587 * termBg.g + 0.114 * termBg.b < 128;
-                    const offset = isDark ? 1 : -1;
-                    const bgRgb = (d) => (s) => {
-                        const r = clamp(termBg.r + d * offset);
-                        const g = clamp(termBg.g + d * offset);
-                        const b = clamp(termBg.b + d * offset);
-                        return `\x1b[48;2;${r};${g};${b}m${s}\x1b[49m`;
-                    };
-                    return [bgRgb(12), bgRgb(24)];
-                })();
-                let chunkIdx = 0;
-                const writeContent = (chunk) => {
-                    if (chunkBgs) {
-                        const bgFn = chunkBgs[chunkIdx % chunkBgs.length];
-                        process.stdout.write(chunk.replace(/[^\n]+/g, (m) => bgFn(m)));
-                        chunkIdx++;
+                return error({ code: 'PAYMENT_REJECTED', message: 'Payment rejected', exitCode: 75 });
+            }
+            else {
+                printResponseHeaders(credentialResponse);
+                const receiptHeader = credentialResponse.headers.get('Payment-Receipt');
+                if (receiptHeader) {
+                    try {
+                        const receiptJson = JSON.parse(Base64.toString(receiptHeader));
+                        if (typeof receiptJson.acceptedCumulative === 'string' &&
+                            receiptJson.acceptedCumulative) {
+                            sessionCumulativeAmount = BigInt(receiptJson.acceptedCumulative);
+                            if (sessionChannelId)
+                                writeChannelCumulative(sessionChannelId, sessionCumulativeAmount);
+                        }
+                        if (verbose >= 1) {
+                            info(`\n${pc.bold(pc.green('Payment Receipt'))}\n`);
+                            const rows = [];
+                            const channelId = receiptJson.channelId;
+                            const reference = receiptJson.reference;
+                            const skipReference = channelId && reference && channelId === reference;
+                            const receiptBalanceKeys = new Set(['acceptedCumulative', 'spent']);
+                            for (const [key, value] of Object.entries(receiptJson)) {
+                                if (value === undefined || shownKeys.has(key))
+                                    continue;
+                                if (key === 'reference' && skipReference)
+                                    continue;
+                                if (receiptBalanceKeys.has(key) && typeof value === 'string') {
+                                    rows.push([
+                                        key,
+                                        `${value} ${pc.dim(`(${fmtBalance(BigInt(value), tokenSymbol, tokenDecimals)})`)}`,
+                                    ]);
+                                }
+                                else if ((key === 'reference' || key === 'txHash') &&
+                                    typeof value === 'string' &&
+                                    explorerUrl) {
+                                    rows.push([key, pc.link(`${explorerUrl}/tx/${value}`, value)]);
+                                }
+                                else if (key === 'reference' &&
+                                    typeof value === 'string' &&
+                                    challenge.method === 'stripe' &&
+                                    value.startsWith('pi_')) {
+                                    const isTest = process.env.MPPX_STRIPE_SECRET_KEY?.startsWith('sk_test_');
+                                    const dashboardUrl = `https://dashboard.stripe.com${isTest ? '/test' : ''}/payments/${value}`;
+                                    rows.push([key, pc.link(dashboardUrl, value)]);
+                                }
+                                else
+                                    rows.push([key, String(value)]);
+                            }
+                            rows.sort(([a], [b]) => a.localeCompare(b));
+                            const pad = Math.max(...rows.map(([k]) => k.length));
+                            for (const [label, value] of rows)
+                                info(`  ${pc.dim(label.padEnd(pad))}  ${value}\n`);
+                            info('\n');
+                        }
                     }
-                    else {
-                        process.stdout.write(chunk);
+                    catch { }
+                }
+                const contentType = credentialResponse.headers.get('Content-Type') ?? '';
+                if (contentType.includes('text/event-stream')) {
+                    const reader = credentialResponse.body?.getReader();
+                    if (!reader) {
+                        return error({ code: 'NO_RESPONSE_BODY', message: 'No response body' });
                     }
-                };
-                const processLines = async (lines) => {
-                    for (const line of lines) {
-                        if (line.startsWith('event: ')) {
-                            currentEvent = line.slice(7).trim();
-                            continue;
+                    const decoder = new TextDecoder();
+                    let buffer = '';
+                    let currentEvent = '';
+                    const sessionCred = challenge.intent === 'session'
+                        ? Credential.deserialize(credential)
+                        : undefined;
+                    const channelId = sessionCred?.payload.channelId;
+                    const md = challenge.request.methodDetails;
+                    const sessionChainId = md?.chainId ?? client?.chain?.id ?? 0;
+                    const escrowContract = md?.escrowContract;
+                    let cumulativeAmount = sessionCred?.payload &&
+                        'cumulativeAmount' in sessionCred.payload &&
+                        sessionCred.payload.cumulativeAmount
+                        ? BigInt(sessionCred.payload.cumulativeAmount)
+                        : 0n;
+                    let _voucherSeq = 0;
+                    const termBg = verbose ? await detectTerminalBg() : undefined;
+                    const chunkBgs = (() => {
+                        if (!termBg || !pc.isColorSupported)
+                            return undefined;
+                        const clamp = (n) => Math.max(0, Math.min(255, Math.round(n)));
+                        const isDark = 0.299 * termBg.r + 0.587 * termBg.g + 0.114 * termBg.b < 128;
+                        const offset = isDark ? 1 : -1;
+                        const bgRgb = (d) => (s) => {
+                            const r = clamp(termBg.r + d * offset);
+                            const g = clamp(termBg.g + d * offset);
+                            const b = clamp(termBg.b + d * offset);
+                            return `\x1b[48;2;${r};${g};${b}m${s}\x1b[49m`;
+                        };
+                        return [bgRgb(12), bgRgb(24)];
+                    })();
+                    let chunkIdx = 0;
+                    const writeContent = (chunk) => {
+                        if (chunkBgs) {
+                            const bgFn = chunkBgs[chunkIdx % chunkBgs.length];
+                            process.stdout.write(chunk.replace(/[^\n]+/g, (m) => bgFn(m)));
+                            chunkIdx++;
                         }
-                        if (!line.startsWith('data: ')) {
-                            if (line === '')
-                                currentEvent = '';
-                            continue;
+                        else {
+                            process.stdout.write(chunk);
                         }
-                        const data = line.slice(6);
-                        if (data.trim() === '[DONE]')
-                            continue;
-                        if (currentEvent === 'payment-need-voucher' &&
-                            channelId &&
-                            escrowContract &&
-                            sessionChainId) {
-                            try {
-                                const event = JSON.parse(data);
-                                const required = BigInt(event.requiredCumulative);
-                                cumulativeAmount = cumulativeAmount > required ? cumulativeAmount : required;
-                                const signature = await signVoucher(client, account, { channelId, cumulativeAmount }, escrowContract, sessionChainId);
-                                const voucherCred = Credential.serialize({
-                                    challenge,
-                                    payload: {
-                                        action: 'voucher',
-                                        channelId,
-                                        cumulativeAmount: cumulativeAmount.toString(),
-                                        signature,
-                                    },
-                                    source: `did:pkh:eip155:${sessionChainId}:${account.address}`,
-                                });
-                                await globalThis.fetch(url, {
-                                    method: 'POST',
-                                    headers: { Authorization: voucherCred },
-                                });
-                                _voucherSeq++;
+                    };
+                    const processLines = async (lines) => {
+                        for (const line of lines) {
+                            if (line.startsWith('event: ')) {
+                                currentEvent = line.slice(7).trim();
+                                continue;
                             }
-                            catch (e) {
-                                info(pc.dim(pc.yellow(` [voucher failed: ${e instanceof Error ? e.message : e}]`)));
+                            if (!line.startsWith('data: ')) {
+                                if (line === '')
+                                    currentEvent = '';
+                                continue;
                             }
-                            currentEvent = '';
-                            continue;
-                        }
-                        if (currentEvent === 'payment-receipt') {
-                            try {
-                                const receipt = JSON.parse(data);
-                                info(`\n\n${pc.bold(pc.green('Payment Receipt'))}\n`);
-                                const rows = [];
-                                const skipRef = receipt.channelId &&
-                                    receipt.reference &&
-                                    receipt.channelId === receipt.reference;
-                                for (const [key, value] of Object.entries(receipt)) {
-                                    if (value === undefined || shownKeys.has(key))
-                                        continue;
-                                    if (key === 'reference' && skipRef)
-                                        continue;
-                                    const receiptBalanceKeys = ['acceptedCumulative', 'spent'];
-                                    if (receiptBalanceKeys.includes(key) && typeof value === 'string') {
-                                        rows.push([
-                                            key,
-                                            `${value} ${pc.dim(`(${fmtBalance(BigInt(value), tokenSymbol, tokenDecimals)})`)}`,
-                                        ]);
-                                    }
-                                    else if ((key === 'reference' || key === 'txHash') &&
-                                        typeof value === 'string' &&
-                                        explorerUrl) {
-                                        rows.push([key, pc.link(`${explorerUrl}/tx/${value}`, value)]);
+                            const data = line.slice(6);
+                            if (data.trim() === '[DONE]')
+                                continue;
+                            if (currentEvent === 'payment-need-voucher' &&
+                                channelId &&
+                                escrowContract &&
+                                sessionChainId) {
+                                try {
+                                    const event = JSON.parse(data);
+                                    const required = BigInt(event.requiredCumulative);
+                                    cumulativeAmount = cumulativeAmount > required ? cumulativeAmount : required;
+                                    const signature = await signVoucher(client, account, { channelId, cumulativeAmount }, escrowContract, sessionChainId);
+                                    const voucherCred = Credential.serialize({
+                                        challenge,
+                                        payload: {
+                                            action: 'voucher',
+                                            channelId,
+                                            cumulativeAmount: cumulativeAmount.toString(),
+                                            signature,
+                                        },
+                                        source: `did:pkh:eip155:${sessionChainId}:${account.address}`,
+                                    });
+                                    await globalThis.fetch(fetchUrl, {
+                                        method: 'POST',
+                                        headers: { Authorization: voucherCred },
+                                    });
+                                    _voucherSeq++;
+                                }
+                                catch (e) {
+                                    info(pc.dim(pc.yellow(` [voucher failed: ${e instanceof Error ? e.message : e}]`)));
+                                }
+                                currentEvent = '';
+                                continue;
+                            }
+                            if (currentEvent === 'payment-receipt') {
+                                if (verbose >= 1) {
+                                    try {
+                                        const receipt = JSON.parse(data);
+                                        info(`\n\n${pc.bold(pc.green('Payment Receipt'))}\n`);
+                                        const rows = [];
+                                        const skipRef = receipt.channelId &&
+                                            receipt.reference &&
+                                            receipt.channelId === receipt.reference;
+                                        for (const [key, value] of Object.entries(receipt)) {
+                                            if (value === undefined || shownKeys.has(key))
+                                                continue;
+                                            if (key === 'reference' && skipRef)
+                                                continue;
+                                            const receiptBalanceKeys = ['acceptedCumulative', 'spent'];
+                                            if (receiptBalanceKeys.includes(key) && typeof value === 'string') {
+                                                rows.push([
+                                                    key,
+                                                    `${value} ${pc.dim(`(${fmtBalance(BigInt(value), tokenSymbol, tokenDecimals)})`)}`,
+                                                ]);
+                                            }
+                                            else if ((key === 'reference' || key === 'txHash') &&
+                                                typeof value === 'string' &&
+                                                explorerUrl) {
+                                                rows.push([key, pc.link(`${explorerUrl}/tx/${value}`, value)]);
+                                            }
+                                            else
+                                                rows.push([key, String(value)]);
+                                        }
+                                        rows.sort(([a], [b]) => a.localeCompare(b));
+                                        const rpad = Math.max(...rows.map(([k]) => k.length));
+                                        for (const [label, value] of rows)
+                                            info(`  ${pc.dim(label.padEnd(rpad))}  ${value}\n`);
                                     }
-                                    else
-                                        rows.push([key, String(value)]);
+                                    catch { }
+                                }
+                                currentEvent = '';
+                                continue;
+                            }
+                            if (data.length === 0) {
+                                writeContent('\n');
+                            }
+                            else {
+                                try {
+                                    const parsed = JSON.parse(data);
+                                    writeContent(parsed.token ?? parsed.choices?.[0]?.delta?.content ?? data);
+                                }
+                                catch {
+                                    writeContent(data);
                                 }
-                                rows.sort(([a], [b]) => a.localeCompare(b));
-                                const rpad = Math.max(...rows.map(([k]) => k.length));
-                                for (const [label, value] of rows)
-                                    info(`  ${pc.dim(label.padEnd(rpad))}  ${value}\n`);
                             }
-                            catch { }
                             currentEvent = '';
-                            continue;
                         }
-                        if (data.length === 0) {
-                            writeContent('\n');
+                    };
+                    while (true) {
+                        const { done, value } = await reader.read();
+                        if (done)
+                            break;
+                        buffer += decoder.decode(value, { stream: true });
+                        const lines = buffer.split('\n');
+                        buffer = lines.pop();
+                        await processLines(lines);
+                    }
+                    if (buffer.trim())
+                        await processLines([buffer]);
+                    if (channelId && escrowContract && sessionChainId) {
+                        const signature = await signVoucher(client, account, { channelId, cumulativeAmount }, escrowContract, sessionChainId);
+                        const closePayload = {
+                            action: 'close',
+                            channelId,
+                            cumulativeAmount: cumulativeAmount.toString(),
+                            signature,
+                        };
+                        const closeCred = Credential.serialize({
+                            challenge,
+                            payload: closePayload,
+                            source: `did:pkh:eip155:${sessionChainId}:${account.address}`,
+                        });
+                        const closeRes = await globalThis.fetch(fetchUrl, {
+                            method: 'POST',
+                            headers: { Authorization: closeCred },
+                        });
+                        if (closeRes.ok) {
+                            if (verbose >= 1) {
+                                const closeReceiptHeader = closeRes.headers.get('Payment-Receipt');
+                                let closeTxHash;
+                                if (closeReceiptHeader) {
+                                    try {
+                                        const r = JSON.parse(Base64.toString(closeReceiptHeader));
+                                        if (typeof r.txHash === 'string')
+                                            closeTxHash = r.txHash;
+                                    }
+                                    catch { }
+                                }
+                                const txInfo = closeTxHash && explorerUrl
+                                    ? ` ${pc.dim(pc.link(`${explorerUrl}/tx/${closeTxHash}`, closeTxHash))}`
+                                    : '';
+                                info(`\n${pc.dim('Channel closed.')} ${pc.dim(`Spent ${fmtBalance(cumulativeAmount, tokenSymbol, tokenDecimals)}.`)}${txInfo}\n`);
+                            }
                         }
                         else {
-                            try {
-                                const parsed = JSON.parse(data);
-                                writeContent(parsed.token ?? parsed.choices?.[0]?.delta?.content ?? data);
-                            }
-                            catch {
-                                writeContent(data);
-                            }
+                            info(`\n${pc.dim(pc.yellow('Channel close failed'))} ${pc.dim(`(${closeRes.status})`)}\n`);
                         }
-                        currentEvent = '';
                     }
-                };
-                while (true) {
-                    const { done, value } = await reader.read();
-                    if (done)
-                        break;
-                    buffer += decoder.decode(value, { stream: true });
-                    const lines = buffer.split('\n');
-                    buffer = lines.pop();
-                    await processLines(lines);
                 }
-                if (buffer.trim())
-                    await processLines([buffer]);
-                if (channelId && escrowContract && sessionChainId) {
-                    const signature = await signVoucher(client, account, { channelId, cumulativeAmount }, escrowContract, sessionChainId);
-                    const closePayload = {
-                        action: 'close',
-                        channelId,
-                        cumulativeAmount: cumulativeAmount.toString(),
-                        signature,
-                    };
-                    const closeCred = Credential.serialize({
-                        challenge,
-                        payload: closePayload,
-                        source: `did:pkh:eip155:${sessionChainId}:${account.address}`,
-                    });
-                    const closeRes = await globalThis.fetch(url, {
-                        method: 'POST',
-                        headers: { Authorization: closeCred },
-                    });
-                    if (closeRes.ok) {
-                        const closeReceiptHeader = closeRes.headers.get('Payment-Receipt');
-                        let closeTxHash;
-                        if (closeReceiptHeader) {
-                            try {
-                                const r = JSON.parse(Base64.toString(closeReceiptHeader));
-                                if (typeof r.txHash === 'string')
-                                    closeTxHash = r.txHash;
-                            }
-                            catch { }
-                        }
-                        const txInfo = closeTxHash && explorerUrl
-                            ? ` ${pc.dim(pc.link(`${explorerUrl}/tx/${closeTxHash}`, closeTxHash))}`
-                            : '';
-                        info(`\n${pc.dim('Channel closed.')} ${pc.dim(`Spent ${fmtBalance(cumulativeAmount, tokenSymbol, tokenDecimals)}.`)}${txInfo}\n`);
+                else {
+                    const body = (await credentialResponse.text()).replace(/\n+$/, '');
+                    console.log(body);
+                    const shouldClose = challenge.intent === 'session' &&
+                        credentialResponse.ok &&
+                        sessionChannelId &&
+                        sessionEscrowContract &&
+                        sessionChainId;
+                    if (shouldClose && confirmEnabled) {
+                        info('\n');
                     }
-                    else {
-                        info(`\n${pc.dim(pc.yellow('Channel close failed'))} ${pc.dim(`(${closeRes.status})`)}\n`);
+                    if (shouldClose && confirmEnabled && !(await confirm('Close channel?', true))) {
+                        if (verbose >= 1)
+                            info(`${pc.dim('Kept channel open.')}\n`);
                     }
-                }
-            }
-            else {
-                const body = (await credentialResponse.text()).replace(/\n+$/, '');
-                console.log(body);
-                const shouldClose = challenge.intent === 'session' &&
-                    credentialResponse.ok &&
-                    sessionChannelId &&
-                    sessionEscrowContract &&
-                    sessionChainId;
-                if (shouldClose && options.confirm) {
-                    info('\n');
-                }
-                if (shouldClose && options.confirm && !(await confirm('Close channel?', true))) {
-                    info(`${pc.dim('Kept channel open.')}\n`);
-                }
-                else if (shouldClose) {
-                    const signature = await signVoucher(client, account, { channelId: sessionChannelId, cumulativeAmount: sessionCumulativeAmount }, sessionEscrowContract, sessionChainId);
-                    const closePayload = {
-                        action: 'close',
-                        channelId: sessionChannelId,
-                        cumulativeAmount: sessionCumulativeAmount.toString(),
-                        signature,
-                    };
-                    const closeCred = Credential.serialize({
-                        challenge,
-                        payload: closePayload,
-                        source: `did:pkh:eip155:${sessionChainId}:${account.address}`,
-                    });
-                    const closeRes = await globalThis.fetch(url, {
-                        ...fetchInit,
-                        headers: {
-                            ...fetchInit.headers,
-                            Authorization: closeCred,
-                        },
-                    });
-                    if (closeRes.ok) {
-                        deleteChannelState(sessionChannelId);
-                        const closeReceiptHeader = closeRes.headers.get('Payment-Receipt');
-                        let closeTxHash;
-                        if (closeReceiptHeader) {
-                            try {
-                                const r = JSON.parse(Base64.toString(closeReceiptHeader));
-                                if (typeof r.txHash === 'string')
-                                    closeTxHash = r.txHash;
+                    else if (shouldClose) {
+                        const signature = await signVoucher(client, account, { channelId: sessionChannelId, cumulativeAmount: sessionCumulativeAmount }, sessionEscrowContract, sessionChainId);
+                        const closePayload = {
+                            action: 'close',
+                            channelId: sessionChannelId,
+                            cumulativeAmount: sessionCumulativeAmount.toString(),
+                            signature,
+                        };
+                        const closeCred = Credential.serialize({
+                            challenge,
+                            payload: closePayload,
+                            source: `did:pkh:eip155:${sessionChainId}:${account.address}`,
+                        });
+                        const closeRes = await globalThis.fetch(fetchUrl, {
+                            ...fetchInit,
+                            headers: {
+                                ...fetchInit.headers,
+                                Authorization: closeCred,
+                            },
+                        });
+                        if (closeRes.ok) {
+                            deleteChannelState(sessionChannelId);
+                            if (verbose >= 1) {
+                                const closeReceiptHeader = closeRes.headers.get('Payment-Receipt');
+                                let closeTxHash;
+                                if (closeReceiptHeader) {
+                                    try {
+                                        const r = JSON.parse(Base64.toString(closeReceiptHeader));
+                                        if (typeof r.txHash === 'string')
+                                            closeTxHash = r.txHash;
+                                    }
+                                    catch { }
+                                }
+                                const txInfo = closeTxHash && explorerUrl
+                                    ? ` ${pc.dim(pc.link(`${explorerUrl}/tx/${closeTxHash}`, closeTxHash))}`
+                                    : '';
+                                const closePrefix = confirmEnabled ? '' : '\n';
+                                info(`${closePrefix}${pc.dim('Channel closed.')} ${pc.dim(`Spent ${fmtBalance(sessionCumulativeAmount, tokenSymbol, tokenDecimals)}.`)}${txInfo}\n`);
                             }
-                            catch { }
                         }
-                        const txInfo = closeTxHash && explorerUrl
-                            ? ` ${pc.dim(pc.link(`${explorerUrl}/tx/${closeTxHash}`, closeTxHash))}`
-                            : '';
-                        const closePrefix = options.confirm ? '' : '\n';
-                        info(`${closePrefix}${pc.dim('Channel closed.')} ${pc.dim(`Spent ${fmtBalance(sessionCumulativeAmount, tokenSymbol, tokenDecimals)}.`)}${txInfo}\n`);
-                    }
-                    else {
-                        const closeBody = await closeRes.text().catch(() => '');
-                        info(`\n${pc.dim(pc.yellow('Channel close failed'))} ${pc.dim(`(${closeRes.status})`)}\n`);
-                        info(`${pc.dim(`  channelId:          ${sessionChannelId}`)}\n` +
-                            `${pc.dim(`  cumulativeAmount:   ${sessionCumulativeAmount}`)}\n` +
-                            `${pc.dim(`  escrowContract:     ${sessionEscrowContract}`)}\n` +
-                            `${pc.dim(`  chainId:            ${sessionChainId}`)}\n` +
-                            `${pc.dim(`  account:            ${account?.address}`)}\n` +
-                            `${pc.dim(`  response:           ${closeBody || '(empty)'}`)}\n`);
+                        else {
+                            const closeBody = await closeRes.text().catch(() => '');
+                            info(`\n${pc.dim(pc.yellow('Channel close failed'))} ${pc.dim(`(${closeRes.status})`)}\n`);
+                            info(`${pc.dim(`  channelId:          ${sessionChannelId}`)}\n` +
+                                `${pc.dim(`  cumulativeAmount:   ${sessionCumulativeAmount}`)}\n` +
+                                `${pc.dim(`  escrowContract:     ${sessionEscrowContract}`)}\n` +
+                                `${pc.dim(`  chainId:            ${sessionChainId}`)}\n` +
+                                `${pc.dim(`  account:            ${account?.address}`)}\n` +
+                                `${pc.dim(`  response:           ${closeBody || '(empty)'}`)}\n`);
+                        }
                     }
                 }
             }
         }
-    }
-    catch (err) {
-        // TODO: revert cast when https://github.com/wevm/zile/pull/26 is merged
-        const errCause = err instanceof Error ? err.cause : undefined;
-        const cause = errCause instanceof Error ? errCause : undefined;
-        if (cause && 'code' in cause) {
-            const code = cause.code;
-            if (code === 'ENOTFOUND')
-                console.error(`Could not resolve host "${hostname}". Check the URL and try again.`);
-            else if (code === 'ECONNREFUSED')
-                console.error(`Connection refused by "${hostname}". Is the server running?`);
-            else if (code === 'ECONNRESET')
-                console.error(`Connection to "${hostname}" was reset.`);
-            else if (code === 'ETIMEDOUT')
-                console.error(`Connection to "${hostname}" timed out.`);
-            else if (code === 'CERT_HAS_EXPIRED' || code === 'UNABLE_TO_VERIFY_LEAF_SIGNATURE')
-                console.error(`TLS certificate error for "${hostname}". Use --insecure to skip verification.`);
+        catch (err) {
+            // TODO: revert cast when https://github.com/wevm/zile/pull/26 is merged
+            const errCause = err instanceof Error ? err.cause : undefined;
+            const cause = errCause instanceof Error ? errCause : undefined;
+            if (cause && 'code' in cause) {
+                const code = cause.code;
+                if (code === 'ENOTFOUND')
+                    return error({
+                        code: 'DNS_ERROR',
+                        message: `Could not resolve host "${hostname}". Check the URL and try again.`,
+                        exitCode: 6,
+                    });
+                else if (code === 'ECONNREFUSED')
+                    return error({
+                        code: 'CONNECTION_REFUSED',
+                        message: `Connection refused by "${hostname}". Is the server running?`,
+                        retryable: true,
+                        exitCode: 7,
+                    });
+                else if (code === 'ECONNRESET')
+                    return error({
+                        code: 'CONNECTION_RESET',
+                        message: `Connection to "${hostname}" was reset.`,
+                        retryable: true,
+                        exitCode: 56,
+                    });
+                else if (code === 'ETIMEDOUT')
+                    return error({
+                        code: 'CONNECTION_TIMEOUT',
+                        message: `Connection to "${hostname}" timed out.`,
+                        retryable: true,
+                        exitCode: 28,
+                    });
+                else if (code === 'CERT_HAS_EXPIRED' || code === 'UNABLE_TO_VERIFY_LEAF_SIGNATURE')
+                    return error({
+                        code: 'TLS_ERROR',
+                        message: `TLS certificate error for "${hostname}". Use --insecure to skip verification.`,
+                        exitCode: 60,
+                    });
+                else
+                    return error({
+                        code: 'REQUEST_FAILED',
+                        message: `Request to "${hostname}" failed: ${cause.message}`,
+                    });
+            }
             else {
-                console.error(`Request to "${hostname}" failed: ${cause.message}`);
+                const msg = err instanceof Error ? err.message : String(err);
+                return error({
+                    code: 'REQUEST_FAILED',
+                    message: cause
+                        ? `Request failed: ${msg} (Cause: ${cause.message})`
+                        : `Request failed: ${msg}`,
+                });
             }
         }
-        else {
-            console.error('Request failed:', err instanceof Error ? err.message : err);
-            if (cause)
-                console.error('Cause:', cause.message);
-        }
-        process.exit(1);
-    }
+    },
 });
-const accountOptionsSchema = z.object({
-    account: z.optional(z.string()),
-    rpcUrl: z.optional(z.string()),
-    yes: z.optional(z.boolean()),
+const account = Cli.create('account', {
+    description: 'Manage accounts (create, default, delete, fund, list, view)',
 });
-cli
-    .command('account [action]', 'Manage accounts (create, default, delete, fund, list, view)')
-    .option('-a, --account <name>', 'Account name (env: MPPX_ACCOUNT)')
-    .option('-r, --rpc-url <url>', 'RPC endpoint, defaults to public RPC for chain (env: MPPX_RPC_URL)')
-    .option('--yes', 'DANGER!! Skip confirmation prompts')
-    .action(async (action, rawOptions) => {
-    if (!action) {
-        cli.outputHelp();
-        return;
-    }
-    const options = parseOptions(accountOptionsSchema, rawOptions);
-    switch (action) {
-        case 'create': {
-            let resolvedName = options.account;
-            if (!resolvedName) {
-                const existing = await createKeychain().list();
-                if (existing.length === 0)
-                    resolvedName = 'main';
-                else {
-                    const input = await prompt('Account name');
-                    if (!input)
-                        return;
-                    resolvedName = input;
-                }
-            }
-            let keychain = createKeychain(resolvedName);
-            while (await keychain.get()) {
-                process.stderr.write(`${pc.dim(`Account "${resolvedName}" already exists.`)}\n\n`);
-                const input = await prompt('Enter different name');
+account.command('create', {
+    description: 'Create new account',
+    options: z.object({
+        account: z.string().optional().describe('Account name (env: MPPX_ACCOUNT)'),
+        rpcUrl: z.string().optional().describe('RPC endpoint (env: MPPX_RPC_URL)'),
+    }),
+    alias: { account: 'a', rpcUrl: 'r' },
+    async run({ options }) {
+        let resolvedName = options.account;
+        if (!resolvedName) {
+            const existing = await createKeychain().list();
+            if (existing.length === 0)
+                resolvedName = 'main';
+            else {
+                const input = await prompt('Account name');
                 if (!input)
                     return;
                 resolvedName = input;
-                keychain = createKeychain(resolvedName);
             }
-            const privateKey = generatePrivateKey();
-            const account = privateKeyToAccount(privateKey);
-            await keychain.set(privateKey);
-            const accounts = await createKeychain().list();
-            if (accounts.length === 1)
-                createDefaultStore().set(resolvedName);
-            console.log(`Account "${resolvedName}" saved to keychain.`);
-            const explorerUrl = tempoMainnet.blockExplorers?.default?.url;
-            const addrDisplay = explorerUrl
-                ? pc.link(`${explorerUrl}/address/${account.address}`, account.address)
-                : account.address;
-            console.log(pc.dim(`Address ${addrDisplay}`));
-            resolveChain(options)
-                .then((chain) => createClient({ chain, transport: http(options.rpcUrl) }))
-                .then((client) => import('viem/tempo').then(({ Actions }) => Actions.faucet.fund(client, { account }).catch(() => { })));
-            return;
         }
-        case 'default': {
-            const accountName = options.account;
-            if (!accountName) {
-                console.error('-a, --account <name> is required for default.');
-                process.exit(1);
-            }
-            const key = await createKeychain(accountName).get();
-            if (!key) {
-                console.log(`Account "${accountName}" not found.`);
-                process.exit(1);
+        let keychain = createKeychain(resolvedName);
+        while (await keychain.get()) {
+            process.stderr.write(`${pc.dim(`Account "${resolvedName}" already exists.`)}\n\n`);
+            const input = await prompt('Enter different name');
+            if (!input)
+                return;
+            resolvedName = input;
+            keychain = createKeychain(resolvedName);
+        }
+        const privateKey = generatePrivateKey();
+        const acct = privateKeyToAccount(privateKey);
+        await keychain.set(privateKey);
+        const accounts = await createKeychain().list();
+        if (accounts.length === 1)
+            createDefaultStore().set(resolvedName);
+        console.log(`Account "${resolvedName}" saved to keychain.`);
+        const explorerUrl = tempoMainnet.blockExplorers?.default?.url;
+        const addrDisplay = explorerUrl
+            ? pc.link(`${explorerUrl}/address/${acct.address}`, acct.address)
+            : acct.address;
+        console.log(pc.dim(`Address ${addrDisplay}`));
+        resolveChain(options)
+            .then((chain) => createClient({ chain, transport: http(options.rpcUrl) }))
+            .then((client) => import('viem/tempo').then(({ Actions }) => Actions.faucet.fund(client, { account: acct }).catch(() => { })));
+    },
+});
+account.command('default', {
+    description: 'Set default account',
+    options: z.object({
+        account: z.string().describe('Account name'),
+    }),
+    alias: { account: 'a' },
+    async run({ options, error }) {
+        const accountName = options.account;
+        if (isTempoAccount(accountName)) {
+            const tempoEntry = resolveTempoAccount(accountName);
+            if (!tempoEntry) {
+                return error({
+                    code: 'ACCOUNT_NOT_FOUND',
+                    message: `Account "${accountName}" not found. Is Tempo wallet configured?`,
+                    exitCode: 69,
+                });
             }
             createDefaultStore().set(accountName);
             console.log(`Default account set to "${accountName}"`);
             return;
         }
-        case 'delete': {
-            if (!options.account) {
-                console.error('-a, --account <name> is required for delete.');
-                process.exit(1);
-            }
-            const keychain = createKeychain(options.account);
-            const key = await keychain.get();
-            if (!key) {
-                console.log(`Account "${options.account}" not found.`);
-                process.exit(1);
-            }
-            const account = privateKeyToAccount(key);
-            const balanceLines = await fetchBalanceLines(account.address, { includeTestnet: false });
-            if (!options.yes) {
-                const explorerUrl = tempoMainnet.blockExplorers?.default?.url;
-                const addrDisplay = explorerUrl
-                    ? pc.link(`${explorerUrl}/address/${account.address}`, account.address)
-                    : account.address;
-                process.stderr.write(pc.dim(`Delete account "${options.account}"\n`));
-                process.stderr.write(pc.dim(`  Address  ${addrDisplay}\n`));
-                for (let i = 0; i < balanceLines.length; i++)
-                    process.stderr.write(pc.dim(`  ${i === 0 ? 'Balance' : '       '}  ${balanceLines[i]}\n`));
-                process.stderr.write(pc.dim('This action cannot be undone\n\n'));
-                const confirmed = await confirm('Confirm delete?');
-                if (!confirmed) {
-                    console.log('Canceled');
-                    return;
-                }
-            }
-            await keychain.delete();
-            const currentDefault = createDefaultStore().get();
-            if (currentDefault === options.account) {
-                const remaining = await createKeychain().list();
-                if (remaining.length > 0) {
-                    createDefaultStore().set(remaining[0]);
-                    console.log(`Default account set to "${remaining[0]}"`);
-                }
-                else {
-                    createDefaultStore().clear();
-                }
-            }
-            console.log(`Account "${options.account}" deleted`);
-            return;
+        const key = await createKeychain(accountName).get();
+        if (!key) {
+            return error({
+                code: 'ACCOUNT_NOT_FOUND',
+                message: `Account "${accountName}" not found.`,
+                exitCode: 69,
+            });
         }
-        case 'fund': {
-            const accountName = resolveAccountName(options.account);
-            const keychain = createKeychain(accountName);
-            const key = await keychain.get();
-            if (!key) {
-                if (options.account)
-                    console.log(`Account "${accountName}" not found.`);
-                else
-                    console.log(`No account found.`);
-                process.exit(1);
+        createDefaultStore().set(accountName);
+        console.log(`Default account set to "${accountName}"`);
+    },
+});
+account.command('delete', {
+    description: 'Delete account',
+    options: z.object({
+        account: z.string().describe('Account name'),
+        yes: z.boolean().optional().describe('DANGER!! Skip confirmation prompts'),
+    }),
+    alias: { account: 'a' },
+    async run({ options, error }) {
+        const keychain = createKeychain(options.account);
+        const key = await keychain.get();
+        if (!key) {
+            return error({
+                code: 'ACCOUNT_NOT_FOUND',
+                message: `Account "${options.account}" not found.`,
+                exitCode: 69,
+            });
+        }
+        const acct = privateKeyToAccount(key);
+        const balanceLines = await fetchBalanceLines(acct.address, { includeTestnet: false });
+        if (!options.yes) {
+            const explorerUrl = tempoMainnet.blockExplorers?.default?.url;
+            const addrDisplay = explorerUrl
+                ? pc.link(`${explorerUrl}/address/${acct.address}`, acct.address)
+                : acct.address;
+            process.stderr.write(pc.dim(`Delete account "${options.account}"\n`));
+            process.stderr.write(pc.dim(`  Address  ${addrDisplay}\n`));
+            for (let i = 0; i < balanceLines.length; i++)
+                process.stderr.write(pc.dim(`  ${i === 0 ? 'Balance' : '       '}  ${balanceLines[i]}\n`));
+            process.stderr.write(pc.dim('This action cannot be undone\n\n'));
+            const confirmed = await confirm('Confirm delete?');
+            if (!confirmed) {
+                console.log('Canceled');
+                return;
             }
-            const account = privateKeyToAccount(key);
-            const chain = await resolveChain(options);
-            const client = createClient({ chain, transport: http(options.rpcUrl) });
-            console.log(`Funding "${accountName}" on ${chainName(chain)}`);
-            try {
-                const { Actions } = await import('viem/tempo');
-                const hashes = await Actions.faucet.fund(client, { account });
-                const explorerUrl = chain.blockExplorers?.default?.url;
-                for (const hash of hashes) {
-                    const label = explorerUrl ? pc.link(`${explorerUrl}/tx/${hash}`, pc.gray(hash)) : hash;
-                    console.log(`  ${label}`);
-                }
-                const { waitForTransactionReceipt } = await import('viem/actions');
-                await Promise.all(hashes.map((hash) => waitForTransactionReceipt(client, { hash })));
-                console.log('Funded successfully');
+        }
+        await keychain.delete();
+        const currentDefault = createDefaultStore().get();
+        if (currentDefault === options.account) {
+            const remaining = await createKeychain().list();
+            if (remaining.length > 0) {
+                createDefaultStore().set(remaining[0]);
+                console.log(`Default account set to "${remaining[0]}"`);
             }
-            catch (err) {
-                console.error('Funding failed:', err instanceof Error ? err.message : err);
+            else {
+                createDefaultStore().clear();
             }
-            return;
         }
-        case 'list': {
-            const currentDefault = createDefaultStore().get();
-            const accounts = (await createKeychain().list()).sort();
-            if (accounts.length === 0) {
-                console.log(`No accounts found.`);
-                return;
-            }
-            const entries = await Promise.all(accounts.map(async (accountName) => {
-                const key = await createKeychain(accountName).get();
-                if (!key)
-                    return undefined;
-                return {
-                    name: accountName,
-                    address: privateKeyToAccount(key).address,
-                };
-            }));
-            const resolved = entries.filter((e) => e !== undefined);
-            const explorerUrl = tempoMainnet.blockExplorers?.default?.url;
-            const maxWidth = Math.max(...resolved.map((e) => e.name.length + (e.name === currentDefault ? 1 : 0)));
-            for (const entry of resolved) {
-                const isDefault = entry.name === currentDefault;
-                const label = isDefault ? `${entry.name}${pc.dim('*')}` : entry.name;
-                const width = entry.name.length + (isDefault ? 1 : 0);
-                const addrDisplay = explorerUrl
-                    ? pc.link(`${explorerUrl}/address/${entry.address}`, entry.address)
-                    : entry.address;
-                console.log(`${label}${' '.repeat(maxWidth - width + 2)}${pc.dim(addrDisplay)}`);
+        console.log(`Account "${options.account}" deleted`);
+    },
+});
+account.command('fund', {
+    description: 'Fund account with testnet tokens',
+    options: z.object({
+        account: z.string().optional().describe('Account name (env: MPPX_ACCOUNT)'),
+        rpcUrl: z.string().optional().describe('RPC endpoint (env: MPPX_RPC_URL)'),
+    }),
+    alias: { account: 'a', rpcUrl: 'r' },
+    async run({ options, error }) {
+        const accountName = resolveAccountName(options.account);
+        const keychain = createKeychain(accountName);
+        const key = await keychain.get();
+        if (!key) {
+            if (options.account)
+                return error({
+                    code: 'ACCOUNT_NOT_FOUND',
+                    message: `Account "${accountName}" not found.`,
+                    exitCode: 69,
+                });
+            else
+                return error({ code: 'ACCOUNT_NOT_FOUND', message: 'No account found.', exitCode: 69 });
+        }
+        const acct = privateKeyToAccount(key);
+        const chain = await resolveChain(options);
+        const client = createClient({ chain, transport: http(options.rpcUrl) });
+        console.log(`Funding "${accountName}" on ${chainName(chain)}`);
+        try {
+            const { Actions } = await import('viem/tempo');
+            const hashes = await Actions.faucet.fund(client, { account: acct });
+            const explorerUrl = chain.blockExplorers?.default?.url;
+            for (const hash of hashes) {
+                const label = explorerUrl ? pc.link(`${explorerUrl}/tx/${hash}`, pc.gray(hash)) : hash;
+                console.log(`  ${label}`);
             }
+            const { waitForTransactionReceipt } = await import('viem/actions');
+            await Promise.all(hashes.map((hash) => waitForTransactionReceipt(client, { hash })));
+            console.log('Funded successfully');
+        }
+        catch (err) {
+            console.error('Funding failed:', err instanceof Error ? err.message : err);
+        }
+    },
+});
+account.command('list', {
+    description: 'List all accounts',
+    async run() {
+        const currentDefault = createDefaultStore().get();
+        const accounts = (await createKeychain().list()).sort();
+        const resolved = [];
+        for (const accountName of accounts) {
+            const key = await createKeychain(accountName).get();
+            if (!key)
+                continue;
+            resolved.push({
+                name: accountName,
+                address: privateKeyToAccount(key).address,
+            });
+        }
+        const tempoEntries = readTempoKeystore();
+        for (let i = 0; i < tempoEntries.length; i++) {
+            const entry = tempoEntries[i];
+            const tempoName = i === 0 ? 'tempo:default' : `tempo:${i}`;
+            if (entry.wallet_address)
+                resolved.push({ name: tempoName, address: entry.wallet_address, source: 'tempo wallet' });
+        }
+        if (resolved.length === 0) {
+            console.log(`No accounts found.`);
             return;
         }
-        case 'view': {
-            const accountName = resolveAccountName(options.account);
-            const keychain = createKeychain(accountName);
-            const key = await keychain.get();
-            if (!key) {
-                if (options.account)
-                    console.log(`Account "${accountName}" not found.`);
-                else
-                    console.log(`No account found.`);
-                process.exit(1);
+        const explorerUrl = tempoMainnet.blockExplorers?.default?.url;
+        const maxWidth = Math.max(...resolved.map((e) => e.name.length + (e.name === currentDefault ? 1 : 0)));
+        for (const entry of resolved) {
+            const isDefault = entry.name === currentDefault;
+            const label = isDefault ? `${entry.name}${pc.dim('*')}` : entry.name;
+            const width = entry.name.length + (isDefault ? 1 : 0);
+            const addrDisplay = explorerUrl
+                ? pc.link(`${explorerUrl}/address/${entry.address}`, entry.address)
+                : entry.address;
+            const sourceLabel = entry.source ? `  ${pc.dim(`(${entry.source})`)}` : '';
+            console.log(`${label}${' '.repeat(maxWidth - width + 2)}${pc.dim(addrDisplay)}${sourceLabel}`);
+        }
+    },
+});
+account.command('view', {
+    description: 'View account address',
+    options: z.object({
+        account: z.string().optional().describe('Account name (env: MPPX_ACCOUNT)'),
+        rpcUrl: z.string().optional().describe('RPC endpoint (env: MPPX_RPC_URL)'),
+    }),
+    alias: { account: 'a', rpcUrl: 'r' },
+    async run({ options, error }) {
+        const accountName = resolveAccountName(options.account);
+        if (isTempoAccount(accountName)) {
+            const tempoEntry = resolveTempoAccount(accountName);
+            if (!tempoEntry) {
+                return error({
+                    code: 'ACCOUNT_NOT_FOUND',
+                    message: `Account "${accountName}" not found. Is Tempo wallet configured?`,
+                    exitCode: 69,
+                });
             }
-            const account = privateKeyToAccount(key);
+            const address = tempoEntry.wallet_address;
             const rpcUrl = options.rpcUrl ?? (process.env.MPPX_RPC_URL || undefined);
             const chain = rpcUrl ? await resolveChain({ rpcUrl }) : tempoMainnet;
             const explorerUrl = chain.blockExplorers?.default?.url;
             const addrDisplay = explorerUrl
-                ? pc.link(`${explorerUrl}/address/${account.address}`, account.address)
-                : account.address;
+                ? pc.link(`${explorerUrl}/address/${address}`, address)
+                : address;
             console.log(`${pc.dim('Address')}  ${addrDisplay}`);
-            const balanceLines = await fetchBalanceLines(account.address, chain && rpcUrl ? { chain, rpcUrl } : undefined);
+            const balanceLines = await fetchBalanceLines(address, chain && rpcUrl ? { chain, rpcUrl } : undefined);
             for (let i = 0; i < balanceLines.length; i++)
                 console.log(`${pc.dim(i === 0 ? 'Balance' : '       ')}  ${balanceLines[i]}`);
             console.log(`${pc.dim('Name')}     ${accountName}`);
+            console.log(`${pc.dim('Type')}     ${tempoEntry.wallet_type} ${pc.dim('(tempo wallet)')}`);
             return;
         }
-        default:
-            console.error(`Unknown action: ${action}`);
-            console.error('Available: create, default, delete, fund, list, view');
-            process.exit(1);
-    }
+        const keychain = createKeychain(accountName);
+        const key = await keychain.get();
+        if (!key) {
+            if (options.account)
+                return error({
+                    code: 'ACCOUNT_NOT_FOUND',
+                    message: `Account "${accountName}" not found.`,
+                    exitCode: 69,
+                });
+            else
+                return error({ code: 'ACCOUNT_NOT_FOUND', message: 'No account found.', exitCode: 69 });
+        }
+        const acct = privateKeyToAccount(key);
+        const rpcUrl = options.rpcUrl ?? (process.env.MPPX_RPC_URL || undefined);
+        const chain = rpcUrl ? await resolveChain({ rpcUrl }) : tempoMainnet;
+        const explorerUrl = chain.blockExplorers?.default?.url;
+        const addrDisplay = explorerUrl
+            ? pc.link(`${explorerUrl}/address/${acct.address}`, acct.address)
+            : acct.address;
+        console.log(`${pc.dim('Address')}  ${addrDisplay}`);
+        const balanceLines = await fetchBalanceLines(acct.address, chain && rpcUrl ? { chain, rpcUrl } : undefined);
+        for (let i = 0; i < balanceLines.length; i++)
+            console.log(`${pc.dim(i === 0 ? 'Balance' : '       ')}  ${balanceLines[i]}`);
+        console.log(`${pc.dim('Name')}     ${accountName}`);
+    },
 });
-cli.version(version, '-V, --version');
-cli.help((sections) => {
-    const isAccount = sections.some((s) => s.body?.includes('$ mppx account'));
-    if (isAccount) {
-        const actionsSection = {
-            title: 'Actions',
-            body: [
-                '  create   Create new account',
-                '  default  Set default account',
-                '  delete   Delete account',
-                '  fund     Fund account with testnet tokens',
-                '  list     List all accounts',
-                '  view     View account address',
-            ].join('\n'),
-        };
-        const optionsIndex = sections.findIndex((s) => s.title === 'Options');
-        if (optionsIndex !== -1)
-            sections.splice(optionsIndex, 0, actionsSection);
-        else
-            sections.push(actionsSection);
-    }
-    return sections;
+cli.command(account);
+const sign = Cli.create('sign', {
+    description: 'Sign a payment challenge and output the Authorization header',
+    usage: [
+        { suffix: '--challenge <value> [options]' },
+        { prefix: 'echo <challenge> |', suffix: '[options]' },
+    ],
+    options: z.object({
+        account: z.string().optional().describe('Account name (env: MPPX_ACCOUNT)'),
+        challenge: z.string().optional().describe('WWW-Authenticate challenge value'),
+        dryRun: z.boolean().optional().describe('Validate and parse the challenge without signing'),
+        methodOpt: z
+            .array(z.string())
+            .optional()
+            .describe('Method-specific option (key=value, repeatable)'),
+        rpcUrl: z
+            .string()
+            .optional()
+            .describe('RPC endpoint, defaults to public RPC for chain (env: MPPX_RPC_URL)'),
+    }),
+    alias: {
+        account: 'a',
+        challenge: 'c',
+        methodOpt: 'M',
+        rpcUrl: 'r',
+    },
+    async run({ options, format, error }) {
+        const raw = options.challenge || (process.stdin.isTTY === false ? await readStdin() : undefined);
+        if (!raw) {
+            return error({
+                code: 'NO_CHALLENGE',
+                message: 'No challenge provided. Use --challenge or pipe via stdin.',
+                exitCode: 2,
+            });
+        }
+        let challenge;
+        try {
+            challenge = Challenge.deserialize(raw);
+        }
+        catch (err) {
+            return error({
+                code: 'INVALID_CHALLENGE',
+                message: `Failed to parse challenge: ${err instanceof Error ? err.message : err}`,
+                exitCode: 2,
+            });
+        }
+        if (options.dryRun) {
+            process.stderr.write('Challenge is valid.\n');
+            return;
+        }
+        if (challenge.method === 'tempo') {
+            const accountName = resolveAccountName(options.account);
+            // Delegate to tempo CLI for tempo wallet accounts
+            if (isTempoAccount(accountName) && hasTempoCliSync()) {
+                const wwwAuth = Challenge.serialize(challenge);
+                const result = await tempoCliSign(wwwAuth);
+                if (format === 'json') {
+                    const tempoEntry = resolveTempoAccount(accountName);
+                    console.log(JSON.stringify({ authorization: result, from: tempoEntry?.wallet_address }));
+                }
+                else {
+                    console.log(result);
+                }
+                return;
+            }
+            let privateKey = process.env.MPPX_PRIVATE_KEY?.trim() ||
+                (isTempoAccount(accountName) ? undefined : await createKeychain(accountName).get());
+            if (!privateKey) {
+                const fallback = fallbackFromTempo();
+                if (fallback)
+                    privateKey = await createKeychain(fallback).get();
+            }
+            if (!privateKey) {
+                if (options.account)
+                    return error({
+                        code: 'ACCOUNT_NOT_FOUND',
+                        message: `Account "${accountName}" not found.`,
+                        exitCode: 69,
+                    });
+                else
+                    return error({ code: 'ACCOUNT_NOT_FOUND', message: 'No account found.', exitCode: 69 });
+            }
+            const account = privateKeyToAccount(privateKey);
+            const rpcUrl = options.rpcUrl ?? process.env.RPC_URL;
+            const client = createClient({
+                chain: await resolveChain({ rpcUrl }),
+                transport: http(rpcUrl),
+            });
+            const methodOpts = parseMethodOpts(options.methodOpt);
+            const tempoOpts = parseOptions(z.object({
+                channel: z.optional(z.coerce.string()),
+                deposit: z.optional(z.union([z.string(), z.number()])),
+            }), methodOpts);
+            const mppx = Mppx.create({
+                methods: tempo({
+                    account,
+                    getClient: () => client,
+                    deposit: (() => {
+                        if (challenge.intent !== 'session')
+                            return undefined;
+                        const suggestedDeposit = challenge.request
+                            .suggestedDeposit;
+                        const cliDeposit = tempoOpts.deposit !== undefined ? String(tempoOpts.deposit) : undefined;
+                        return suggestedDeposit ?? cliDeposit;
+                    })(),
+                }),
+                polyfill: false,
+            });
+            const wwwAuth = Challenge.serialize(challenge);
+            const fakeResponse = new Response(null, {
+                status: 402,
+                headers: { 'WWW-Authenticate': wwwAuth },
+            });
+            const credential = await mppx.createCredential(fakeResponse, (() => {
+                if (!tempoOpts.channel)
+                    return undefined;
+                const channelId = tempoOpts.channel;
+                const saved = readChannelCumulative(channelId);
+                return {
+                    channelId,
+                    ...(saved !== undefined && { cumulativeAmountRaw: saved.toString() }),
+                };
+            })());
+            if (format === 'json') {
+                console.log(JSON.stringify({ authorization: credential, from: account.address }));
+            }
+            else {
+                console.log(credential);
+            }
+        }
+        else if (challenge.method === 'stripe') {
+            const stripeSecretKey = process.env.MPPX_STRIPE_SECRET_KEY;
+            if (!stripeSecretKey) {
+                return error({
+                    code: 'MISSING_ENV',
+                    message: 'MPPX_STRIPE_SECRET_KEY environment variable is required for Stripe payments.',
+                    exitCode: 2,
+                });
+            }
+            const methodOpts = parseMethodOpts(options.methodOpt);
+            const stripeOpts = parseOptions(z.object({ paymentMethod: z.string() }), methodOpts);
+            const mppx = Mppx.create({
+                methods: [
+                    stripe.charge({
+                        paymentMethod: stripeOpts.paymentMethod,
+                        createToken: async ({ paymentMethod, amount, currency, networkId, expiresAt, metadata, }) => {
+                            const body = new URLSearchParams({
+                                payment_method: paymentMethod,
+                                'usage_limits[currency]': currency,
+                                'usage_limits[max_amount]': amount,
+                                'usage_limits[expires_at]': expiresAt.toString(),
+                            });
+                            if (networkId)
+                                body.set('seller_details[network_id]', networkId);
+                            if (metadata) {
+                                for (const [key, value] of Object.entries(metadata))
+                                    body.set(`metadata[${key}]`, value);
+                            }
+                            const sptUrl = process.env.MPPX_STRIPE_SPT_URL ??
+                                'https://api.stripe.com/v1/test_helpers/shared_payment/granted_tokens';
+                            const response = await globalThis.fetch(sptUrl, {
+                                method: 'POST',
+                                headers: {
+                                    Authorization: `Basic ${btoa(`${stripeSecretKey}:`)}`,
+                                    'Content-Type': 'application/x-www-form-urlencoded',
+                                },
+                                body,
+                            });
+                            if (!response.ok) {
+                                const errorBody = (await response.json());
+                                return error({
+                                    code: 'STRIPE_ERROR',
+                                    message: `Failed to create SPT: ${errorBody.error.message}`,
+                                    exitCode: 77,
+                                });
+                            }
+                            const { id } = (await response.json());
+                            return id;
+                        },
+                    }),
+                ],
+                polyfill: false,
+            });
+            const wwwAuth = Challenge.serialize(challenge);
+            const fakeResponse = new Response(null, {
+                status: 402,
+                headers: { 'WWW-Authenticate': wwwAuth },
+            });
+            const credential = await mppx.createCredential(fakeResponse);
+            if (format === 'json') {
+                console.log(JSON.stringify({ authorization: credential }));
+            }
+            else {
+                console.log(credential);
+            }
+        }
+        else {
+            return error({
+                code: 'UNSUPPORTED_METHOD',
+                message: `Unsupported payment method: ${challenge.method}`,
+                exitCode: 2,
+            });
+        }
+    },
 });
-try {
-    cli.parse();
-}
-catch (err) {
-    console.error(err instanceof Error ? err.message : err);
-    process.exit(1);
-}
+cli.command(sign);
+export default cli;
 /////////////////////////////////////////////////////////////////////////////////////////////////
 function parseMethodOpts(raw) {
     if (!raw)
@@ -1039,8 +1489,7 @@ function parseMethodOpts(raw) {
     for (const item of list) {
         const idx = item.indexOf('=');
         if (idx === -1) {
-            console.error(`Invalid method option format: ${item} (expected key=value)`);
-            process.exit(1);
+            throw new Error(`Invalid method option format: ${item} (expected key=value)`);
         }
         result[item.slice(0, idx)] = item.slice(idx + 1);
     }
@@ -1118,6 +1567,120 @@ function resolveAccountName(explicit) {
         return process.env.MPPX_ACCOUNT;
     return createDefaultStore().get();
 }
+function isTempoAccount(accountName) {
+    return accountName.startsWith('tempo:');
+}
+function tempoKeystorePath() {
+    const platform = os.platform();
+    if (platform === 'darwin')
+        return path.join(os.homedir(), 'Library', 'Application Support', 'tempo', 'wallet', 'keys.toml');
+    return path.join(process.env.XDG_DATA_HOME || path.join(os.homedir(), '.local', 'share'), 'tempo', 'wallet', 'keys.toml');
+}
+function readTempoKeystore() {
+    try {
+        const raw = fs.readFileSync(tempoKeystorePath(), 'utf-8');
+        const entries = [];
+        let current;
+        for (const line of raw.split('\n')) {
+            const trimmed = line.trim();
+            if (trimmed === '[[keys]]') {
+                if (current?.wallet_address)
+                    entries.push(current);
+                current = { wallet_type: 'local', wallet_address: '', chain_id: 0 };
+                continue;
+            }
+            if (!current)
+                continue;
+            const m = trimmed.match(/^(\w+)\s*=\s*"?([^"]*)"?$/);
+            if (!m)
+                continue;
+            const [, key, value] = m;
+            if (key === 'wallet_type')
+                current.wallet_type = value;
+            else if (key === 'wallet_address')
+                current.wallet_address = value;
+            else if (key === 'chain_id')
+                current.chain_id = Number.parseInt(value, 10);
+        }
+        if (current?.wallet_address)
+            entries.push(current);
+        return entries;
+    }
+    catch {
+        return [];
+    }
+}
+function resolveTempoAccount(accountName) {
+    const entries = readTempoKeystore();
+    if (entries.length === 0)
+        return undefined;
+    const suffix = accountName.slice('tempo:'.length);
+    if (suffix === 'default' || suffix === '')
+        return entries[0];
+    const idx = Number.parseInt(suffix, 10);
+    if (!Number.isNaN(idx) && idx >= 0 && idx < entries.length)
+        return entries[idx];
+    return undefined;
+}
+let _tempoCliAvailable;
+function hasTempoCliSync() {
+    if (_tempoCliAvailable !== undefined)
+        return _tempoCliAvailable;
+    try {
+        child.execFileSync('which', ['tempo'], { stdio: 'ignore' });
+        _tempoCliAvailable = true;
+    }
+    catch {
+        _tempoCliAvailable = false;
+    }
+    return _tempoCliAvailable;
+}
+async function tempoCliSign(wwwAuth) {
+    return new Promise((resolve, reject) => {
+        child.execFile('tempo', ['mpp', 'sign', '--challenge', wwwAuth], (error, stdout, stderr) => {
+            if (error) {
+                const msg = stderr?.trim() || error.message;
+                reject(new Error(`tempo mpp sign failed: ${msg}`));
+                return;
+            }
+            const trimmed = stdout.trim();
+            if (!trimmed) {
+                reject(new Error('tempo mpp sign returned empty output'));
+                return;
+            }
+            resolve(trimmed);
+        });
+    });
+}
+function fallbackFromTempo() {
+    const store = createDefaultStore();
+    const currentDefault = store.get();
+    if (!isTempoAccount(currentDefault))
+        return undefined;
+    if (hasTempoCliSync())
+        return undefined;
+    // tempo CLI not installed, fall back to first mppx account
+    // (sync list via security dump-keychain to avoid async in hot path)
+    const platform = os.platform();
+    if (platform === 'darwin') {
+        try {
+            const stdout = child.execFileSync('security', ['dump-keychain'], { encoding: 'utf-8' });
+            const mppxAccounts = [];
+            for (const block of stdout.split('keychain:')) {
+                const serviceMatch = block.match(/"svce"<blob>="([^"]*)"/);
+                const accountMatch = block.match(/"acct"<blob>="([^"]*)"/);
+                if (serviceMatch?.[1] === name && accountMatch?.[1])
+                    mppxAccounts.push(accountMatch[1]);
+            }
+            if (mppxAccounts.length > 0) {
+                store.set(mppxAccounts[0]);
+                return mppxAccounts[0];
+            }
+        }
+        catch { }
+    }
+    return undefined;
+}
 // biome-ignore format: compact shell commands
 function createKeychain(account = 'main') {
     const service = name;