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buyer/agent SDK for agentbank — OAuth, agent + customer management, Wallets, and the Pay spend-control plane.","maintainers":[{"name":"sparkyu","email":"spark@curless.ai"},{"name":"robin_curless","email":"robin@curless.ai"}],"readme":"# @curless/agentbank-sdk\n\nOfficial buyer-side SDK for **agentbank** — agent-commerce payments.\n\nTwo things live here:\n\n- **The buyer's wallet** — a person signs in, binds a card, sets their own\n  spend limits, and mints a one-off credential to pay a merchant with. This is\n  what most integrators come for.\n- **The Pay spend-control plane** — agent OAuth, agent/customer management,\n  authorize/capture against an agent's budget.\n\n```bash\nnpm install @curless/agentbank-sdk\n```\n\n> Install this package, not `@curless/agentbank-core`. Core is the shared\n> kernel (crypto, errors, HTTP) that this package is built on; it arrives as a\n> transitive dependency and has nothing in it you should be calling.\n\n## The buyer's wallet\n\nThe wallet is **independent of any merchant**. It holds the buyer's card and\nthe buyer's limits, and it issues a credential; it never talks to a shop. The\ncredential is what travels.\n\n### Sign in\n\nThe buyer signs in **in their own browser**, not in your app — verifying an\nemail means clicking a link in an inbox, and tokenizing a real card means\nStripe.js on a page. Neither fits in a chat window or a CLI. So sign-in is the\nRFC 8628 device flow: you get a URL, you show it, you wait.\n\n```ts\nimport { createBuyerSession } from '@curless/agentbank-sdk';\n\nconst wallet = createBuyerSession({ baseUrl: 'https://mcp.curless.ai' });\n\nconst login = await wallet.startDeviceLogin();\nconsole.log(`Open ${login.verificationUriComplete} to sign in`);\nconst user = await login.wait(); // resolves when they finish in the browser\n```\n\n`wait()` polls for you and tells `pending` / `slow_down` / `expired` / `denied`\napart — an expired sign-in is a different sentence from one still in progress.\nThe device code itself never leaves the returned object: it is the bearer\ncredential that collects the session, so a caller who only needs a URL never\nsees it.\n\nThere is also `wallet.login(email, password)` for a deployment configured with\na single account.\n\n### Pay for something\n\n```ts\n// The merchant priced this and opened a checkout; you have its id and total.\nconst credential = await wallet.payCredential({\n  amount: 192_000,          // minor units — €1,920.00\n  currency: 'EUR',\n  merchantRef: merchantId,  // checked against the buyer's own allowlist\n});\n\n// Hand credential.token to that merchant's checkout as the payment token.\n// You never see a card number, and neither does the merchant.\n```\n\nThe credential is a Stripe Shared Payment Token: **one seller, one currency,\none maximum, fifteen minutes**. It cannot be replayed against a different\nmerchant or a larger sum.\n\nThe buyer's own limits are evaluated here, before Stripe is asked for anything.\nA refusal is **the buyer's limit talking, not a payment failure** — worth saying\nto them in those words:\n\n```ts\ntry {\n  await wallet.payCredential({ amount: 192_000, currency: 'EUR', merchantRef });\n} catch (err) {\n  if (AgentbankError.is(err) && err.status === 403) {\n    // \"this is over the daily limit you set\" — not \"the payment failed\"\n  }\n}\n```\n\n### The rest of the wallet\n\n```ts\nawait wallet.me();            // who this is + spendPolicy + spentToday/Month\nawait wallet.setLimits({ dailyLimit: 50_000, merchantAllowlist: ['sinocare'] });\nawait wallet.balance();\nawait wallet.orders({ limit: 20 });\n\nawait wallet.cards();               // { cards, unavailable? }  ← see below\nawait wallet.bindCard('pm_card_visa');\nawait wallet.unbindCard('pm_123');\nawait wallet.enrollUnionPayCard();  // { enrollUrl, status:'pending' }  ← a URL, not a card\nawait wallet.unionPayCards();       // { cards }  ← only ones UnionPay confirmed\nawait wallet.setDefaultCard({ rail: 'uaag', id: 'uaagcard_1' });  // the card decides the rail\n\nawait wallet.logout();        // revokes server-side, then forgets it\n```\n\n`wallet.fetch<T>(path, init)` is the escape hatch for anything not wrapped\nabove — it carries the session and the same 401/403 handling. Reach for a\nmethod first: the `/v1/buyer/*` paths are ours to change, and the methods are\nthe part we keep.\n\n**UnionPay binds differently, and the difference matters to what you tell the person.** `bindCard` takes a Stripe reference the browser already tokenised. `enrollUnionPayCard()` takes nothing and gives back a URL: UnionPay captures the card on their own page, with 3DS and a passkey, so no card detail ever reaches this SDK. ⚠️ The card is **not bound** when the promise resolves — it exists only once UnionPay's callback lands, which may be a minute later or never if the page is abandoned. Show the person `enrollUrl`, then read `unionPayCards()`; never report success from the enrol call.\n\n**One default, and the card decides how the payment is made.** `setDefaultCard`\ntakes a `rail` with the id, because those are the same choice: a `stripe` card\nis charged **by this wallet**, which mints a one-time credential against it and\nenforces the buyer's own limits at that moment; a `uaag` card is never charged\nhere at all — the agent is handed the card, UnionPay authenticates the\ncardholder on their page, and the **merchant** charges what UnionPay issues.\n\n⚠️ So `payCredential` **refuses outright** while the default is on a rail this\nwallet cannot charge, and names the way out. It does not quietly fall back to\nanother card: the buyer chose this one, and paying with a different card while\nreporting it as theirs is the worst answer available.\n\n`id` is required on `uaag` and optional on `stripe`, which is the rule rather\nthan an inconsistency — a UnionPay card is the default only because someone\npicked it, while a cleared `stripe` choice falls back to the first bound card.\n\n**`cards()` returns `unavailable` for a reason.** An empty `cards` with no\n`unavailable` means the buyer has bound none. An empty `cards` *with* it means\nwe could not read them. Flatten the two and you tell someone their cards are\ngone, and watch them bind another.\n\n`setLimits` **replaces** the policy rather than merging it — an omitted field\nclears that limit. Read `me()` first and spread if you mean to change one.\n\n### Which card pays this one\n\n```ts\nimport { cardChoice, isUnionPayCard } from '@curless/agentbank-sdk';\n\nconst choice = await cardChoice(wallet); // { cards: [{ id, label, charges }], selectedId }\n// show choice.cards with choice.selectedId preselected, let the person pick, then:\nif (isUnionPayCard(choice, pickedId)) {\n  // UnionPay: the merchant charges — see @curless/agentbank-protocols/uaag\n} else {\n  await wallet.payCredential({ amount, currency, merchantRef, cardId: pickedId });\n}\n```\n\nThe preselection is the buyer's **default**, resolved the way the payer resolves it —\nnever \"the first card we managed to read\". Picking a different card here does **not**\nchange the default. `charges: false` marks a card the wallet does not charge (UnionPay):\nthe button above it must not promise a charge. Structural types only, so any object with\n`me` / `cards` / `unionPayCards` works.\n\n### Session state\n\n- Only a **401** ends the session. A **403** does not: hitting a limit you set\n  yourself must not sign you out, or you cannot reach the session you would\n  need to raise it.\n- `wallet.current()` returns the signed-in user or `null`, no round-trip.\n- Calls made while signed out throw with code `buyer_not_logged_in`; calls made\n  after expiry throw `buyer_session_expired`. They are deliberately different\n  strings, because \"your session expired\" rendered as \"you have no orders\" is\n  the same bug twice.\n\n## The Pay spend-control plane\n\n### Admin (manage agents, fund, approve)\n\n```ts\nimport { Agentbank } from '@curless/agentbank-sdk';\n\nconst ab = new Agentbank({\n  baseUrl: 'https://mcp.curless.ai',\n  apiKey: 'agb_admin_...', // an agentbank:admin / pay:admin key\n});\n\nconst agent = await ab.agents.create({\n  name: 'procurement-bot',\n  spendPolicy: { perTransactionLimit: 50_00, dailyLimit: 500_00, approvalRequiredAbove: 100_00 },\n});\n\nawait ab.pay.deposit({ amount: 1000_00, currency: 'USD' });\nawait ab.pay.fundAgent(agent.id, { amount: 500_00, currency: 'USD' });\nconst cred = await ab.agents.issueCredential(agent.id); // cred.secret shown once\n```\n\n### Agent (spend, with auto-managed token)\n\n```ts\nconst agentClient = Agentbank.withClientCredentials({\n  baseUrl: 'https://mcp.curless.ai',\n  clientSecret: cred.secret,\n});\n\nconst auth = await agentClient.pay.authorize({\n  agentId: agent.id,\n  merchantRef: 'acme.example',\n  amount: 12_00,\n  idempotencyKey: 'order-123',\n});\n// auth.status: 'authorized' | 'pending_approval' | 'denied'\nif (auth.status === 'authorized') await agentClient.pay.capture(auth.id);\n```\n\n`SpendPolicy` is one type across both halves — an agent's budget and a buyer's\nwallet limits are the same shape, evaluated by the same code on the server.\n\n## Notes\n\n- **Amounts** are minor-unit integers (USD = cents, EUR = cents).\n- **Never send a card number.** Cards are bound by Stripe reference (`pm_…` /\n  `tok_…`); a PAN reaching a server is a compliance incident, and this API\n  refuses one rather than storing it.\n- **Errors** throw `AgentbankError` with `.status` + `.code` — including\n  transport failures: `status === 0` with code `timeout` / `aborted` /\n  `network_error` means no HTTP response happened. One catch type. Use\n  `AgentbankError.is(err)`, not `instanceof`, so the guard survives two copies\n  of the package in one dependency tree.\n- **Timeouts**: every request has a 30s deadline by default. Tune per client\n  (`new Agentbank({ ..., timeoutMs })`) or per request\n  (`RequestOptions.timeoutMs`; `0` disables). `RequestOptions.signal` accepts\n  an `AbortSignal` for caller-side cancellation.\n- ESM-only; Node ≥ 18 (uses global `fetch`).\n- Pass `fetch` in the constructor to inject a custom implementation (tests, proxies).\n\n## Prefer not to write code?\n\n`npx -y @curless/agentbank-mcp` is this wallet as an MCP server — ten tools,\nno configuration, the buyer signs in at runtime. Same session, same limits.\n","readmeFilename":"README.md"}