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Requires strict guardrails (spending limits, whitelisting, audit logging) to prevent unauthorized transactions.\n\n\n\n## 📋 Credential Checklist\n\nBefore using this SDK in any environment, ensure:\n\n- ✅ **API URL Configured**: `AGENTSBANK_API_URL` environment variable is set\n- ✅ **Authentication Enabled**: Provide one of:\n  - `AGENTSBANK_API_KEY` (recommended for production)\n  - `AGENTSBANK_AGENT_USERNAME` + `AGENTSBANK_AGENT_PASSWORD`\n  - Pre-issued JWT token via `token` config\n- ✅ **Credentials Stored Securely**: Never hardcode credentials; use environment variables only\n- ✅ **Audit Logging Enabled**: Pass custom `auditLogger` to track all operations\n- ✅ **.gitignore Updated**: Ensure `.env` files are never committed\n\n---\n\n## 🚀 Quick Start (5 Minutes)\n\n### Option 1: Use Hosted API (Recommended)\n\n**Complete setup guide with actual requests/responses:** [See SETUP_COMPLETE.md in repo root](../../SETUP_COMPLETE.md)\n\nQuick flow:\n```bash\n# 1. Register human\ncurl -X POST https://api.agentsbank.online/api/auth/register \\\n  -H \"Content-Type: application/json\" \\\n  -d '{\"username\":\"alice\",\"email\":\"alice@example.com\",\"password\":\"Pass123!\"}'\n\n# 2. Get human token\ncurl -X POST https://api.agentsbank.online/api/auth/login ...\n\n# 3. Register agent\ncurl -X POST https://api.agentsbank.online/api/auth/agent/register \\\n  -H \"Authorization: Bearer <HUMAN_TOKEN>\" ...\n\n# 4. Get agent token\ncurl -X POST https://api.agentsbank.online/api/auth/agent/login ...\n\n# 5. Use SDK\nnpm install @agentsbank/sdk\n```\n\n### Option 2: Installation for SDK Users\n\n```bash\nnpm install @agentsbank/sdk\n```\n\n**Setup**\n\n1. **Obtain credentials** by following one of the flows above\n2. **Initialize SDK**:\n   ```typescript\n   import { AgentsBankSDK } from '@agentsbank/sdk';\n\n   const bank = new AgentsBankSDK({\n     apiUrl: 'https://api.agentsbank.online',\n     token: 'your_agent_token_here'  // From agent login\n   });\n   ```\n3. **Use SDK methods** (see examples below)\n\n---\n\n## 🚀 Installation\n\n```bash\nnpm install @agentsbank/sdk\n```\n\n### Credential Setup\n\n1. **Get credentials** from https://api.agentsbank.online (follow quick start above)\n2. **Create `.env` file**:\n   ```bash\n   cp .env.example .env\n   ```\n3. **Update credentials**:\n   ```env\n   AGENTSBANK_API_URL=https://api.agentsbank.online\n   AGENTSBANK_AGENT_TOKEN=your_agent_token\n   ```\n4. **Load in your app**:\n   ```typescript\n   import dotenv from 'dotenv';\n   dotenv.config();\n   ```\n\n---\n\n## 💰 Basic Usage\n\n### Initialize SDK\n\n```typescript\nimport { AgentsBankSDK, UserApprovalContext } from '@agentsbank/sdk';\n\nconst bank = new AgentsBankSDK({\n  apiUrl: process.env.AGENTSBANK_API_URL!,\n  apiKey: process.env.AGENTSBANK_API_KEY!,\n  // Optional: custom audit logger\n  auditLogger: (event) => {\n    console.log(`[${event.operation}] ${event.status}`, event);\n    // Send to logging service (Datadog, LogRocket, etc.)\n  }\n});\n```\n\n### Read-Only Operations (No Approval Needed)\n\n```typescript\n// Get agent information\nconst agentInfo = await bank.getAgentInfo('agent_123');\nconsole.log('Agent:', agentInfo.agent_username, 'Reputation:', agentInfo.reputation_score);\n\n// List wallets\nconst wallets = await bank.listWallets();\n\n// Get wallet details\nconst wallet = await bank.getWallet(walletId);\n\n// Check balance\nconst balance = await bank.getBalance(walletId);\n\n// Estimate gas cost\nconst gasEstimate = await bank.estimateGas(walletId, toAddress, amount);\n\n// View transaction history\nconst history = await bank.getTransactionHistory(walletId, limit);\n\n// Get statistics\nconst stats = await bank.getStats(walletId, days);\n```\n\n### 🔒 Financial Operations (Requires User Approval)\n\n**IMPORTANT**: All financial operations require `UserApprovalContext` to prevent autonomous execution.\n\n```typescript\n// ⚠️  Create wallet (financial operation)\nconst newWallet = await bank.createWallet('ethereum', 'non-custodial');\n\n// ⚠️  Send transaction (MUST have user approval)\nconst approval: UserApprovalContext = {\n  userId: 'user_123',                    // ID of human who approved\n  approvedAt: new Date(),                // When approval was granted\n  reason: 'User confirmed in UI',        // Audit trail reason\n  approvalMethod: 'ui',                  // How was it approved?\n};\n\nconst transaction = await bank.sendTransaction(\n  walletId,\n  '0xRecipient...',\n  '1.5',\n  approval,  // ← User approval context (REQUIRED)\n  'ETH'\n);\n\nconsole.log('Transaction ID:', transaction.tx_id);\n```\n\n### Transaction Monitoring\n\n```typescript\n// Wait for confirmation\nconst confirmed = await bank.waitForConfirmation(\n  transaction.tx_id,\n  300000,  // max wait: 5 minutes\n  5000     // poll every 5 seconds\n);\n\nconsole.log('Final status:', confirmed.status); // 'confirmed' | 'failed'\n```\n\n### 🚀 Autonomous Mode (Advanced)\n\n**For trusted autonomous agents only** - allows financial operations without human approval.\n\n```typescript\n// Initialize with autonomous mode enabled\nconst autonomousBank = new AgentsBankSDK({\n  apiUrl: process.env.AGENTSBANK_API_URL!,\n  apiKey: process.env.AGENTSBANK_API_KEY!,\n  autonomousMode: true,  // ⚠️  Enable autonomous execution\n  auditLogger: (event) => {\n    console.log(`[AUTONOMOUS] ${event.operation}`, event);\n  }\n});\n\n// Now transactions can execute without UserApprovalContext\nconst transaction = await autonomousBank.sendTransaction(\n  walletId,\n  '0xRecipient...',\n  '1.5',\n  undefined,  // ← No approval needed in autonomous mode\n  'ETH'\n);\n\n// ✅ Still logs as 'agent_autonomous_...' for audit trail\nconsole.log('Autonomous Transaction ID:', transaction.tx_id);\n```\n\n**⚠️  Security Requirements for Autonomous Mode:**\n- Guardrails MUST be configured (max daily spend, transaction limits, whitelist)\n- Audit logging MUST be enabled\n- Should be used only for time-sensitive agent operations\n- Spending limits should be conservative\n- Agent should have read-only access to limited wallets\n\n---\n\n## 🔑 Authentication Methods\n\n### Method 1: API Key (Recommended)\n\n```typescript\nconst bank = new AgentsBankSDK({\n  apiUrl: 'https://api.agentsbank.online',\n  apiKey: process.env.AGENTSBANK_API_KEY, // From dashboard\n});\n```\n\n### Method 2: Agent Credentials\n\n```typescript\nconst bank = new AgentsBankSDK({\n  apiUrl: 'https://api.agentsbank.online',\n  agentUsername: process.env.AGENTSBANK_AGENT_USERNAME,\n  agentPassword: process.env.AGENTSBANK_AGENT_PASSWORD,\n});\n\n// Login to get JWT token\nconst token = await bank.login();\n```\n\n### Method 3: Pre-Issued Token\n\n```typescript\nconst bank = new AgentsBankSDK({\n  apiUrl: 'https://api.agentsbank.online',\n  token: process.env.AGENTSBANK_AUTH_TOKEN, // JWT from previous auth\n});\n```\n\n---\n\n## 🛡️ Best Practices\n\n### 1. Never Commit Credentials\n\n```bash\n# Add to .gitignore\necho \".env\" >> .gitignore\necho \".env.local\" >> .gitignore\necho \".env.*.local\" >> .gitignore\n```\n\n### 2. Use Environment-Specific Credentials\n\n```bash\n# development\nAGENTSBANK_API_URL=https://sandbox.agentsbank.online\nAGENTSBANK_API_KEY=sk_sandbox_...\n\n# production\nAGENTSBANK_API_URL=https://api.agentsbank.online\nAGENTSBANK_API_KEY=sk_prod_...\n```\n\n### 3. Implement Custom Audit Logging\n\n```typescript\nconst bank = new AgentsBankSDK({\n  apiUrl: process.env.AGENTSBANK_API_URL!,\n  apiKey: process.env.AGENTSBANK_API_KEY!,\n  auditLogger: async (event) => {\n    // Send critical events to monitoring service\n    if (event.operation === 'transaction_send') {\n      await sendToDatadog({\n        metric: 'agentsbank.transaction',\n        tags: [`status:${event.status}`],\n        value: event.amount,\n        timestamp: event.timestamp,\n      });\n    }\n  }\n});\n```\n\n### 4. Validate Recipient Addresses\n\n```typescript\nfunction isValidEthereumAddress(address: string): boolean {\n  return /^0x[a-fA-F0-9]{40}$/.test(address);\n}\n\nif (!isValidEthereumAddress(recipientAddress)) {\n  throw new Error('Invalid Ethereum address');\n}\n\n// Proceed with transaction\n```\n\n### 5. Implement Rate Limiting\n\n```typescript\nimport rateLimit from 'express-rate-limit';\n\nconst transactionLimiter = rateLimit({\n  windowMs: 60 * 1000,      // 1 minute\n  max: 5,                   // Max 5 transactions per minute\n  message: 'Too many transactions, please try again later'\n});\n\napp.post('/api/send-transaction', transactionLimiter, async (req, res) => {\n  // Handle transaction\n});\n```\n\n### 6. Rotate Credentials Periodically\n\n```typescript\n// Monthly credential rotation\nconst newApiKey = await bank.regenerateApiKey();\n// Update AGENTSBANK_API_KEY in production environment\n```\n\n### 7. Enable 2FA for High-Value Transactions\n\n```typescript\nconst approval: UserApprovalContext = {\n  userId: user.id,\n  approvedAt: new Date(),\n  reason: `2FA verified at ${new Date().toISOString()}`,\n  approvalMethod: '2fa',  // Document approval method\n};\n\nconst tx = await bank.sendTransaction(walletId, recipient, amount, approval);\n```\n\n---\n\n## ⚠️ Error Handling\n\n```typescript\nimport { AxiosError } from 'axios';\n\ntry {\n  await bank.sendTransaction(walletId, recipient, amount, approval);\n} catch (error) {\n  if (axios.isAxiosError(error)) {\n    const statusCode = error.response?.status;\n    const errorData = error.response?.data;\n\n    if (statusCode === 400) {\n      // Bad request - validation error\n      console.error('Invalid parameters:', errorData);\n    } else if (statusCode === 401) {\n      // Unauthorized - credentials invalid\n      console.error('Authentication failed');\n    } else if (statusCode === 429) {\n      // Rate limited\n      console.error('Too many requests, retry after 60s');\n    } else if (statusCode === 500) {\n      // Server error\n      console.error('AgentsBank API error');\n    }\n  }\n  throw error;\n}\n```\n\n---\n\n## 🔍 Audit Logs & Compliance\n\nAll SDK operations are logged with:\n\n- **Timestamp**: When operation occurred\n- **Operation**: What was performed (login, wallet_create, transaction_send, etc.)\n- **Status**: success | failed | initiated\n- **User ID**: Who performed the operation\n- **Wallet ID**: Which wallet was affected\n- **Transaction ID**: For financial operations\n- **Amount & Recipient**: For transactions (for reconciliation)\n- **Error Details**: If operation failed\n\n### Retention Policy\n\n- **Production**: Retain audit logs for 7 years (financial compliance)\n- **Development**: Retain for 90 days minimum\n\n---\n\n## 🚀 Production Deployment Checklist\n\n- ✅ API credentials stored in secrets manager (AWS Secrets, Azure KeyVault, etc.)\n- ✅ Custom audit logger sending logs to monitoring service\n- ✅ Rate limiting configured on API endpoints\n- ✅ 2FA enabled for high-value transactions\n- ✅ Recipient address validation implemented\n- ✅ Transaction amount limits set per agent\n- ✅ Error monitoring enabled (Sentry, DataDog, etc.)\n- ✅ Automated credential rotation scheduled monthly\n- ✅ Daily audit log reviews\n- ✅ Incident response plan documented\n\n---\n\n## 📞 Support\n\n- **Documentation**: https://docs.agentsbank.online\n- **Dashboard**: https://dashboard.agentsbank.online\n- **Status Page**: https://status.agentsbank.online\n- **Security Issues**: security@agentsbank.online\n\n---\n\n**Version**: 0.1.0  \n**Last Updated**: February 2026  \n**Node.js**: 18+\n","readmeFilename":"README.md"}