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infrastructure for AI Agents - Server & Client SDK","maintainers":[{"name":"gt-oliver","email":"guotielong@hotmail.com"}],"readme":"# MoltsPay\n\n[![npm version](https://img.shields.io/npm/v/moltspay.svg)](https://www.npmjs.com/package/moltspay)\n[![License: MIT](https://img.shields.io/badge/License-MIT-blue.svg)](https://opensource.org/licenses/MIT)\n[![TypeScript](https://img.shields.io/badge/TypeScript-5.0-blue.svg)](https://www.typescriptlang.org/)\n\n**Blockchain payment infrastructure for AI Agents.** Turn any skill into a paid service with one JSON file.\n\nMoltsPay enables agent-to-agent commerce using the [x402 protocol](https://www.x402.org/) - HTTP-native payments where AI agents can pay each other for services without human intervention. Built on USDC stablecoins with gasless transactions powered by Coinbase CDP.\n\n## Why MoltsPay?\n\n| Problem | MoltsPay Solution |\n|---------|-------------------|\n| AI agents can't pay for services | x402 protocol - HTTP 402 Payment Required flow |\n| Blockchain payments need gas | Gasless - CDP facilitator handles all gas fees |\n| Complex wallet integration | One JSON file - add `moltspay.services.json` to any skill |\n| Payment verification is hard | Automatic on-chain verification included |\n\n## Features\n\n- **Skill Integration** - Add `moltspay.services.json` to any existing skill\n- **x402 Protocol** - HTTP-native payments (402 Payment Required)\n- **Gasless** - Both client and server pay no gas (facilitators handle it)\n- **Payment Verification** - Automatic on-chain verification\n- **Secure Wallet** - Spending limits, whitelist, and audit logging\n- **Multi-chain** - Base, Polygon, Solana, BNB, Tempo (mainnet & testnet)\n- **Fiat Rail — Alipay (`2.0.0`)** - Accept CNY via Alipay AI Pay from China mainland merchants. CLI-only (Node), browser unsupported. See [`docs/ALIPAY-RAIL.md`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/docs/ALIPAY-RAIL.md)\n- **Fiat Rail — WeChat Pay (`2.1.0`)** - Accept CNY via WeChat Pay v3 Native (scan-to-pay). SDK-managed recoverable sessions persist QR/order context, poll in the background, and fulfill idempotently. See [`docs/WECHAT-RAIL-DESIGN.md`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/docs/WECHAT-RAIL-DESIGN.md)\n- **Balance Rail — Password-Free (`2.2.0`)** - Top up once, then pay with no signature or QR per transaction. Server-custodied SQLite ledger with atomic deducts, hard spending limits, and idempotent retries. See [`docs/WECHAT-BALANCE-PASSWORDLESS-DESIGN.md`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/docs/WECHAT-BALANCE-PASSWORDLESS-DESIGN.md)\n- **Balance Identity & Authentication (`2.4.0`)** - The balance rail gets a real user: accounts are anchored to the WeChat payer's `openid` at top-up, and each deduction is authorized by a per-request signature (`auth_mode: off` | `shadow` | `enforce`). Knowing a `buyer_id` is no longer enough to spend — closes the bearer hole. See [Balance Authentication](#balance-authentication-240) below\n- **Agent-to-Agent** - Complete A2A payment flow support\n- **Multi-VM** - EVM chains + Solana (SVM) with unified API\n- **MCP Server** - Expose wallet + payments to Claude Desktop, Cursor, and other MCP hosts\n\n## Installation\n\n```bash\nnpm install moltspay@latest\n```\n\n## Quick Start\n\n### For Service Providers (Selling)\n\n**1. Have an existing skill with exported functions:**\n```javascript\n// index.js (your existing skill)\nexport async function textToVideo({ prompt }) {\n  // your implementation\n  return { video_url: \"https://...\" };\n}\n```\n\n**2. Add `moltspay.services.json`:**\n```json\n{\n  \"provider\": {\n    \"name\": \"My Video Service\",\n    \"wallet\": \"0xYOUR_EVM_WALLET_ADDRESS\",\n    \"solana_wallet\": \"YOUR_SOLANA_ADDRESS\",\n    \"chains\": [\"base\", \"polygon\", \"solana\", \"bnb\"]\n  },\n  \"services\": [{\n    \"id\": \"text-to-video\",\n    \"function\": \"textToVideo\",\n    \"price\": 0.99,\n    \"currency\": \"USDC\"\n  }]\n}\n```\n\n**Note:** `solana_wallet` is optional - only needed if accepting Solana payments.\n\n**3. Start server:**\n```bash\nnpx moltspay start ./my-skill --port 3000\n```\n\nThat's it! Your skill now accepts x402 payments.\n\n### For Clients (Buying)\n\n**1. Initialize wallet (one time):**\n```bash\nnpx moltspay init                  # EVM wallet (Base, Polygon, BNB, etc.)\nnpx moltspay init --chain solana   # Solana wallet (mainnet & devnet)\n```\n\n**2. Fund your wallet (US users):**\n```bash\nnpx moltspay fund 5\n# Opens Coinbase Pay - use debit card or Apple Pay\n# USDC arrives in < 1 minutes. No ETH needed!\n```\n\nOr send USDC directly to your wallet address from any exchange.\n\n**3. Use paid services:**\n```bash\n# Pay on Base (default)\nnpx moltspay pay https://server.com text-to-video --prompt \"a cat dancing\"\n\n# Pay on Polygon\nnpx moltspay pay https://server.com text-to-video --chain polygon --prompt \"a cat dancing\"\n```\n\n### Testnet Quick Start\n\nWant to test before using real money? Use our testnet faucets:\n\n```bash\n# 1. Create wallet (if you don't have one)\nnpx moltspay init                  # EVM wallet (Base, Polygon, BNB, etc.)\nnpx moltspay init --chain solana   # Solana wallet (mainnet & devnet)\n\n# 2. Get free testnet tokens (pick one or all!)\nnpx moltspay faucet                        # Base Sepolia (1 USDC, once per 24h)\nnpx moltspay faucet --chain solana_devnet  # Solana devnet (1 USDC)\nnpx moltspay faucet --chain bnb_testnet    # BNB testnet (1 USDC + 0.001 tBNB for gas)\nnpx moltspay faucet --chain tempo_moderato # Tempo testnet (1 pathUSD)\n\n# 3. Test payments on different chains\n# Base Sepolia (CDP, gasless)\nnpx moltspay pay https://moltspay.com/a/zen7 text-to-video \\\n  --chain base_sepolia --prompt \"a robot dancing\"\n\n# Solana devnet (SPL transfer)\nnpx moltspay pay https://moltspay.com/a/zen7 text-to-video \\\n  --chain solana_devnet --prompt \"a cat playing piano\"\n\n# BNB testnet (gas sponsored)\nnpx moltspay pay https://moltspay.com/a/zen7 text-to-video \\\n  --chain bnb_testnet --prompt \"a sunset timelapse\"\n\n# Tempo Moderato (gas-free, MPP protocol)\nnpx moltspay pay https://server.com service-id \\\n  --chain tempo_moderato --prompt \"test\"\n```\n\n### For Web Apps (Browser)\n\n`moltspay@1.6.0` adds a browser client. Connect any EIP-1193 wallet (MetaMask, Rainbow, Frame, …) for EVM or a `@solana/wallet-adapter` wallet (Phantom, Solflare, Backpack, …) for Solana and pay for x402 services directly from the page — no private key ever in browser memory, no CLI wrapper.\n\n**Install:**\n\n```bash\nnpm install moltspay\n```\n\n**Pay with MetaMask:**\n\n```ts\nimport { MoltsPayWebClient, eip1193Signer } from 'moltspay/web';\n\nconst client = new MoltsPayWebClient({\n  signer: eip1193Signer(window.ethereum),\n});\n\n// Discover what the provider accepts\nconst { provider, services } = await client.getServices('https://provider.example.com');\n\n// Run a paid call — user sees one wallet signature prompt\nconst result = await client.pay(\n  'https://provider.example.com',\n  'text-to-video',\n  { prompt: 'a cat dancing' },\n  { chain: 'base' }\n);\n```\n\n**Pay with Phantom (Solana):**\n\n```ts\nimport { MoltsPayWebClient, solanaSigner } from 'moltspay/web';\nimport { useWallet } from '@solana/wallet-adapter-react';\n\nconst wallet = useWallet();\nconst client = new MoltsPayWebClient({ signer: solanaSigner(wallet) });\n\nawait client.pay(serverUrl, 'text-to-video', params, { chain: 'solana_devnet' });\n```\n\n**EVM + Solana in one client** — use `composeSigners` so the same `MoltsPayWebClient` instance routes to whichever signer matches the picked chain:\n\n```ts\nimport { MoltsPayWebClient, composeSigners, eip1193Signer, solanaSigner } from 'moltspay/web';\n\nconst client = new MoltsPayWebClient({\n  signer: composeSigners(\n    eip1193Signer(window.ethereum),\n    solanaSigner(phantomAdapter),\n  ),\n});\n```\n\n**Chain coverage.** All 8 chains the CLI supports work from the browser with one signature prompt each:\n\n| Chain | Scheme | User gas? | Notes |\n|---|---|---|---|\n| `base` / `polygon` / `base_sepolia` | EIP-3009 `transferWithAuthorization` | No (gasless) | Provider submits on success |\n| `tempo_moderato` | EIP-2612 `permit` | No (gasless) | Browser never switches to Tempo; server's settler submits permit + transferFrom |\n| `bnb` / `bnb_testnet` | MoltsPay `PaymentIntent` | One-time approve | Call `client.approveBnb({ chain, spender, token })` once, then intent signatures are gasless |\n| `solana` / `solana_devnet` | SPL transfer | No if provider sets a fee payer | `wallet.signTransaction` signs, provider submits |\n\n**BNB approval flow.** The first payment on BNB throws `NeedsApprovalError` with the details needed to approve — catch it, call `approveBnb()`, and retry:\n\n```ts\ntry {\n  await client.pay(url, service, params, { chain: 'bnb' });\n} catch (err) {\n  if (err instanceof NeedsApprovalError) {\n    await client.approveBnb({\n      chain: 'bnb',\n      spender: err.details.spender,\n      token: err.details.token,\n    });\n    // User paid ~0.001 BNB gas for the approve. Retry now succeeds without further approve.\n    await client.pay(url, service, params, { chain: 'bnb' });\n  }\n}\n```\n\n**Tempo note.** Tempo Moderato pathUSD is a native precompile that implements EIP-2612 permit but **not** EIP-3009. The web client dispatches to the permit path automatically when the server advertises `scheme: \"permit\"`. The user signs typed data; the provider's settler submits the `permit()` + `transferFrom()` transactions on-chain. MetaMask never prompts for a chain switch because the browser wallet doesn't touch Tempo at all.\n\n**Solana mainnet RPC.** The public `api.mainnet-beta.solana.com` endpoint returns 403 to browser requests, so any Solana-mainnet traffic needs an authenticated RPC. Supply one via `solanaRpc`:\n\n```ts\nconst client = new MoltsPayWebClient({\n  signer: composeSigners(\n    eip1193Signer(window.ethereum),\n    solanaSigner(phantomAdapter),\n  ),\n  solanaRpc: {\n    solana: 'https://mainnet.helius-rpc.com/?api-key=YOUR_KEY',\n    // solana_devnet falls back to `api.devnet.solana.com` automatically\n  },\n});\n```\n\nAccepts any Helius / QuickNode / Alchemy / Triton / self-hosted URL. Per-chain — override only `solana` if you only use mainnet. Devnet (`api.devnet.solana.com`) still serves browsers and does not need an override.\n\n**Error classes** — every error exposes a `code` field so you can branch without string-matching:\n\n```ts\nimport {\n  NeedsApprovalError,        // code: 'NEEDS_APPROVAL'       — BNB, call approveBnb()\n  UnsupportedChainError,     // code: 'UNSUPPORTED_CHAIN'    — user picked a chain the server doesn't accept\n  PaymentRejectedError,      // code: 'PAYMENT_REJECTED'     — user cancelled in the wallet\n  InsufficientBalanceError,  // code: 'INSUFFICIENT_BALANCE' — not enough native gas for BNB approve\n  SpendingLimitExceededError,// code: 'SPENDING_LIMIT_EXCEEDED' — only when you opt in to SpendingLedger\n  ServerError,               // code: 'SERVER_ERROR'         — provider returned non-2xx\n  MoltsPayError,             // base class\n} from 'moltspay/web';\n```\n\n**Spending limits (opt-in).** Off by default. External wallets already prompt per-signature; per-browser localStorage limits don't sync across devices. If you want a session-level cap anyway:\n\n```ts\nconst client = new MoltsPayWebClient({\n  signer: eip1193Signer(window.ethereum),\n  spendingLimits: { maxPerTx: 5, maxPerDay: 50 },\n});\n```\n\n**Provider CORS.** Providers must enable CORS on `MoltsPayServer` for browser callers — without it the 402 challenge header is invisible to the browser:\n\n```ts\nnew MoltsPayServer({\n  // ...\n  cors: true,                              // allow all origins, or\n  cors: ['https://myapp.example.com'],     // explicit allowlist, or\n  cors: { origins: [...], maxAge: 86400 }, // fine-grained\n});\n```\n\nServers advertising for the web need `cors` enabled; CLI callers are unaffected either way.\n\n**Security posture.** No private key ever enters browser memory. No filesystem access, no `~/.moltspay/` — the wallet is always external. The `signer` object the client receives only has permission to sign typed data and (for BNB) submit one `approve` transaction, which the user explicitly confirms in the wallet UI.\n\n**Reference demo.** `examples/web/` is a runnable React + Vite app that exercises every path above. `cd examples/web && npm install && npm run dev` — it connects to `https://moltspay.com/a/zen7` by default. See [`examples/web/README.md`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/examples/web/README.md) for the full matrix of tested wallets + chains.\n\n## MCP Server (For AI Assistants)\n\nMoltsPay ships an [MCP (Model Context Protocol)](https://modelcontextprotocol.io) stdio server that lets MCP-compatible hosts (Cursor, Windsurf, Claude Code, Zed, etc.) browse services, check wallet status, and pay for x402 services on your behalf.\n\nIt is a thin wrapper around `MoltsPayClient` — wallet custody, spending limits, and all payment protocols (x402, MPP, Solana, BNB) are reused from the SDK.\n\n### Setup\n\n**1. Create a wallet and set spending limits** (the MCP server refuses to start without a wallet):\n\n```bash\nnpx moltspay init\nnpx moltspay config --max-per-tx 2 --max-per-day 10\nnpx moltspay fund 5    # or: npx moltspay faucet for testnet\n```\n\n**2. Point your MCP host at the `moltspay-mcp` binary over stdio:**\n\n```bash\nnpx -y moltspay-mcp              # normal mode\nnpx -y moltspay-mcp --dry-run    # preview payments without signing\n```\n\nEach host has its own config file for registering stdio MCP servers — check your host's docs for the exact location. For a safer first run, use `--dry-run` so `moltspay_pay` returns a preview instead of spending real funds.\n\n### Tools\n\n| Tool | What it does | Destructive? |\n|---|---|---|\n| `moltspay_status` | Wallet address, balances across all supported chains, spending limits | No |\n| `moltspay_services` | Fetch services manifest from a provider URL; optional `query`/`maxPrice` filter | No |\n| `moltspay_pay` | Execute an x402/MPP/SOL/BNB payment and return the service result | **Yes** |\n| `moltspay_config` | Read or update `maxPerTx` / `maxPerDay` limits | Updates config file |\n\n### Safety Layers\n\n`moltspay_pay` is the only tool that moves money. Three guards stack on top of the MCP host's own tool-approval prompt:\n\n1. **SDK spending limits** — `maxPerTx` / `maxPerDay` enforced before signing.\n2. **Dry-run mode** — launch with `--dry-run` and payments return a preview instead of signing.\n3. **Confirmation gate** — set `MOLTSPAY_MCP_REQUIRE_CONFIRM=1` to require a second tool call (`confirmed: true`) for any payment exceeding `maxPerTx / 10`.\n\nPrivate keys and mnemonics are never exposed over MCP — wallet creation stays on the CLI (`npx moltspay init`) by design. See [`docs/MCP-USAGE.md`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/docs/MCP-USAGE.md) for full tool arguments and troubleshooting.\n\n## Payment Protocols\n\nMoltsPay supports multiple payment protocols, each optimized for different chains:\n\n| Protocol | Chains | Gas | Description |\n|----------|--------|-----|-------------|\n| x402 + CDP | Base, Polygon | Gasless (CDP pays) | HTTP 402 + EIP-3009 signatures |\n| x402 + SOL | Solana | Gasless (server pays) | HTTP 402 + SPL transfer |\n| x402 + BNB | BNB | Gasless (server pays) | HTTP 402 + EIP-712 intent signing |\n| MPP | Tempo | Gas-free native | HTTP 402 + WWW-Authenticate |\n| x402 + Alipay | Alipay | No blockchain gas | HTTP 402 + Alipay AI Pay proof |\n| x402 + WeChat Pay | WeChat Pay Native | No blockchain gas | HTTP 402 + scan-to-pay QR, poll-based verify |\n\n### How x402 Protocol Works\n\n```\nClient                         Server                      CDP Facilitator\n  |                              |                              |\n  | POST /execute                |                              |\n  | -------------------------------------------------->   |                              |\n  |                              |                              |\n  | 402 + payment requirements   |                              |\n  | <--------------------------------------------------   |                              |\n  |                              |                              |\n  | [Sign EIP-3009 - NO GAS]     |                              |\n  |                              |                              |\n  | POST + X-Payment header      |                              |\n  | -------------------------------------------------->   | Verify signature             |\n  |                              | -------------------------------------------------->   |\n  |                              |                              |\n  |                              | Execute transfer (pays gas)  |\n  |                              | <--------------------------------------------------   |\n  |                              |                              |\n  | 200 OK + result              |                              |\n  | <--------------------------------------------------   |                              |\n```\n\n**Key insight:** Client signs a payment authorization, server submits it. Neither party pays gas - the CDP facilitator handles settlement.\n\n### How MPP Protocol Works (Tempo)\n\nMPP (Machine Payments Protocol) is simpler - client executes the transfer directly:\n\n```\nClient                         Server\n  |                              |\n  | POST /service                |\n  | -------------------------------------------------->   |\n  |                              |\n  | 402 + WWW-Authenticate       |\n  | <--------------------------------------------------   |\n  |                              |\n  | [Execute TIP-20 transfer]    |\n  | [No gas needed on Tempo]     |\n  |                              |\n  | POST + Authorization: Payment|\n  | -------------------------------------------------->   |\n  |                              |\n  | [Server verifies on-chain]   |\n  |                              |\n  | 200 OK + Payment-Receipt     |\n  | <--------------------------------------------------   |\n```\n\n**Key insight:** On Tempo, the client executes the transfer directly (gas-free), then retries with the transaction hash. No CDP facilitator needed.\n\n### How Solana Protocol Works\n\n```\nClient                         Server (Fee Payer)          Solana Network\n  |                              |                              |\n  | POST /execute                |                              |\n  | -------------------------------------------------->   |                              |\n  |                              |                              |\n  | 402 + payment requirements   |                              |\n  | (includes solana_wallet)     |                              |\n  | <--------------------------------------------------   |                              |\n  |                              |                              |\n  | [Sign SPL Transfer]          |                              |\n  | [NO GAS - just signing]      |                              |\n  |                              |                              |\n  | POST + X-Payment (signature) |                              |\n  | -------------------------------------------------->   | Execute transfer             |\n  |                              | (server pays ~$0.001 SOL)    |\n  |                              | -------------------------------------------------->   |\n  |                              |                              |\n  | 200 OK + result              |                              |\n  | <--------------------------------------------------   |                              |\n```\n\n**Key insight:** Client only signs the SPL transfer (gasless). Server acts as fee payer and executes the transaction on-chain.\n\n### How BNB Protocol Works\n\n```\nClient                         Server                      BNB Network\n  |                              |                              |\n  | POST /execute                |                              |\n  | -------------------------------------------------->   |                              |\n  |                              |                              |\n  | 402 + payment requirements   |                              |\n  | (includes bnbSpender)        |                              |\n  | <--------------------------------------------------   |                              |\n  |                              |                              |\n  | [Sign EIP-712 intent]        |                              |\n  | [NO GAS - just signing]      |                              |\n  |                              |                              |\n  | POST + X-Payment (signature) |                              |\n  | -------------------------------------------------->   | Execute transferFrom         |\n  |                              | (server pays ~$0.0001 gas)   |\n  |                              | -------------------------------------------------->   |\n  |                              |                              |\n  | 200 OK + result              |                              |\n  | <--------------------------------------------------   |                              |\n```\n\n**Key insight:** Client only signs an intent (gasless). Server executes the actual transfer and pays the minimal gas (~$0.0001). This is the \"pay-for-success\" model - payment only happens if service succeeds.\n\n## Skill Structure\n\nMoltsPay reads your skill's existing structure:\n\n```\nmy-skill/\n+------ package.json           # MoltsPay reads \"main\" field\n+------ index.js               # Your existing exports\n+------ moltspay.services.json # Only file you add!\n```\n\n**Your functions stay untouched.** Just add the JSON config.\n\n## Services Manifest Schema\n\n```json\n{\n  \"$schema\": \"https://moltspay.com/schemas/services.json\",\n  \"provider\": {\n    \"name\": \"Service Name\",\n    \"description\": \"Optional description\",\n    \"wallet\": \"0x...\",\n    \"chains\": [\"base\", \"polygon\"]\n  },\n  \"services\": [{\n    \"id\": \"service-id\",\n    \"name\": \"Human Readable Name\",\n    \"description\": \"What it does\",\n    \"function\": \"exportedFunctionName\",\n    \"price\": 0.99,\n    \"currency\": \"USDC\",\n    \"input\": {\n      \"prompt\": { \"type\": \"string\", \"required\": true }\n    },\n    \"output\": {\n      \"result_url\": { \"type\": \"string\" }\n    }\n  }]\n}\n```\n\n### Multi-Chain Configuration\n\nAccept payments on multiple chains by specifying a `chains` array:\n\n```json\n{\n  \"provider\": {\n    \"wallet\": \"0x...\",\n    \"chains\": [\"base\", \"polygon\"]\n  }\n}\n```\n\nClients can then choose which chain to pay on:\n```bash\nnpx moltspay pay https://server.com service-id --chain polygon --prompt \"...\"\n```\n\nIf no `--chain` is specified, the client uses the first chain in the provider's list.\n\n### Validate Your Config\n\n```bash\nnpx moltspay validate ./my-skill\n```\n\n## Server Setup\n\n**1. Get CDP credentials** from https://portal.cdp.coinbase.com/\n\n**2. Create `~/.moltspay/.env`:**\n```env\nCDP_API_KEY_ID=your-key-id\nCDP_API_KEY_SECRET=your-secret\n```\n\n**3. Configure chains in your manifest:**\n```json\n{\n  \"provider\": {\n    \"wallet\": \"0x...\",\n    \"chains\": [\n      { \"chain\": \"base\", \"network\": \"eip155:8453\", \"tokens\": [\"USDC\"] },\n      { \"chain\": \"base_sepolia\", \"network\": \"eip155:84532\", \"tokens\": [\"USDC\"] }\n    ]\n  }\n}\n```\n\n**4. Start server:**\n```bash\nnpx moltspay start ./my-skill --port 3000\n```\n\nServer does NOT need a private key - the x402 facilitator handles settlement.\n\n### Chain Auto-Detection\n\nThe server automatically detects which chain to verify payments on based on the client's payment header:\n\n- Client pays with `--chain base` -> Server verifies on Base mainnet\n- Client pays with `--chain base_sepolia` -> Server verifies on Base Sepolia\n\n**No `USE_MAINNET` env var needed!** Just configure your accepted chains in the manifest.\n\n### Testnet Setup (Providers)\n\nTo accept testnet payments, add `base_sepolia` to your chains array:\n\n```json\n{\n  \"provider\": {\n    \"wallet\": \"0x...\",\n    \"chains\": [\"base\", \"base_sepolia\"]\n  }\n}\n```\n\nClients can then pay using `--chain base_sepolia` and get free testnet USDC via `npx moltspay faucet`.\n\n## CLI Reference\n\n```bash\n# === Client Commands ===\nnpx moltspay init                    # Create wallet (EVM + Solana)\nnpx moltspay fund <amount>           # Fund wallet via Coinbase (US)\nnpx moltspay faucet                  # Get free testnet USDC (Base Sepolia)\nnpx moltspay faucet --chain solana_devnet   # Get Solana devnet USDC\nnpx moltspay faucet --chain bnb_testnet     # Get BNB testnet USDC + tBNB\nnpx moltspay faucet --chain tempo_moderato  # Get Tempo testnet tokens\nnpx moltspay status                  # Check balance (all chains)\nnpx moltspay transfer <to> <amount>  # Transfer USDC/USDT out to any address (e.g. an exchange)\nnpx moltspay config                  # Update limits\nnpx moltspay services <url>          # List provider's services\nnpx moltspay pay <url> <service>     # Pay and execute service\n\n# === Transfer / Withdraw (2.4.0) ===\n# Move USDC/USDT out of your wallet to any address (e.g. an exchange deposit address).\nnpx moltspay transfer <to> <amount>                       # 5 USDC on Base (default), interactive confirm\nnpx moltspay transfer <to> 10 --token USDT --chain bnb     # USDT on BNB Chain\nnpx moltspay transfer <to> 5 --chain polygon --yes --json  # non-interactive (agents/scripts)\n# EVM chains only (base/polygon/bnb/...); a normal on-chain transfer, so the wallet needs a\n# little native gas (ETH/BNB/POL). The transfer network must match the receiver's deposit network.\n\n# === Service Discovery ===\nnpx moltspay services                           # List all from registry\nnpx moltspay services https://provider.com      # List from specific provider\nnpx moltspay services -q \"video\"                # Search by keyword\nnpx moltspay services --max-price 1.00          # Filter by max price\nnpx moltspay services --type api_service        # Filter by type\nnpx moltspay services --tag ai                  # Filter by tag\nnpx moltspay services --json                    # Output as JSON\n\n# === Pay with Chain Selection ===\nnpx moltspay pay <url> <service> --chain base          # Pay on Base (default)\nnpx moltspay pay <url> <service> --chain polygon       # Pay on Polygon\nnpx moltspay pay <url> <service> --chain base_sepolia  # Pay on Base testnet\nnpx moltspay pay <url> <service> --chain solana        # Pay on Solana\nnpx moltspay pay <url> <service> --chain solana_devnet # Pay on Solana devnet\nnpx moltspay pay <url> <service> --chain bnb           # Pay on BNB\nnpx moltspay pay <url> <service> --chain bnb_testnet   # Pay on BNB testnet\nnpx moltspay pay <url> <service> --chain tempo_moderato # Pay on Tempo\nnpx moltspay pay <url> <service> --rail alipay         # Pay with Alipay AI Pay\nnpx moltspay pay <url> <service> --rail wechat         # Pay with WeChat Pay Native QR\nnpx moltspay pay <url> <service> --rail balance        # Pay password-free from prepaid balance\n\n# === BNB One-Time Approve ===\n# BNB payments need a one-time spender approval first (the spender comes from the 402 response).\nnpx moltspay approve --spender <address> --chain bnb   # Approve, then `pay --chain bnb` is gasless\nnpx moltspay approve --spender <address>               # --chain defaults to bnb_testnet\n\n# === WeChat Recoverable Sessions ===\nnpx moltspay wechat start <url> <service> --prompt \"...\"   # Start order, return QR metadata immediately\nnpx moltspay wechat status <session-or-out_trade_no>        # Query/recover a pending session\nnpx moltspay wechat fulfill <session-or-out_trade_no>       # Idempotently fulfill if paid\nnpx moltspay wechat cancel <session-or-out_trade_no>        # Mark local session cancelled\nnpx moltspay wechat list                                   # List persisted WeChat sessions\n\n# === Custodial Balance (Password-Free) ===\nnpx moltspay balance set-buyer <id>                        # Persist the buyer id (account label)\nnpx moltspay balance query <url>                           # Balance, limits, today's spend, bound signer/openid\nnpx moltspay balance transactions <url>                    # Ledger history, newest first\nnpx moltspay balance topup <url> <amount> --rail crypto --tx-hash 0x...   # Credit from a settled payment (crypto/wechat/alipay)\n\n# --- Identity & auth (2.4.0) ---\nnpx moltspay balance whoami [url]                          # Show local signer address (and, vs a server, the account's bound signer/openid)\nnpx moltspay balance bind <url>                            # Bind the local signer to an account (runs a minimal top-up to establish identity)\n\n# --- Recoverable WeChat-funded top-up (for chat agents; non-blocking) ---\nnpx moltspay balance topup-order <url> --pack 2.00         # Mint a WeChat pack order, emit the QR, exit immediately\nnpx moltspay balance topup-confirm <out_trade_no>          # Confirm + credit a pending order later (idempotent on out_trade_no)\nnpx moltspay balance topup-status <out_trade_no>           # Query one pending order\nnpx moltspay balance topup-list                            # List pending top-up orders\nnpx moltspay balance topup-pack <url>                      # Blocking variant: mint pack, wait for the scan, credit inline\n\n# === Server Commands ===\nnpx moltspay start <skill-dir>       # Start server\nnpx moltspay stop                    # Stop server\nnpx moltspay validate <path>         # Validate manifest\n\n# === Options ===\n--port <port>                        # Server port (default 3000)\n--chain <chain>                      # Chain: base, polygon, solana, bnb, tempo_moderato, + testnets\n--rail <rail>                        # Rail: alipay, wechat, or balance (password-free)\n--token <token>                      # Token: USDC, USDT\n--max-per-tx <amount>                # Spending limit per transaction\n--max-per-day <amount>               # Daily spending limit\n--config-dir <dir>                   # Custom wallet directory\n```\n\n## Programmatic Usage\n\n### Client\n\n```typescript\nimport { MoltsPayClient } from 'moltspay/client';\n\n// Initialize client (uses wallet from ~/.moltspay/wallet.json)\nconst client = new MoltsPayClient();\n\n// Standard service call (params wrapped in { params: {...} })\nconst result = await client.pay(\n  'https://server.com',\n  'text-to-video',\n  { prompt: 'a cat dancing' },\n  { chain: 'base' }\n);\n\nconsole.log(result.video_url);\n```\n\n#### Custom Input Formats (rawData)\n\nSome services have custom input formats instead of the standard `{ params: { prompt } }`.\nUse `rawData: true` to send your data at the top level:\n\n```typescript\n// Service expects: { text: \"...\", target_lang: \"...\" }\n// NOT: { params: { text: \"...\", target_lang: \"...\" } }\n\nconst result = await client.pay(\n  'https://server.com',\n  'translate',\n  { text: 'Hello world', target_lang: 'es' },\n  { \n    chain: 'base_sepolia',\n    rawData: true  // Send data at top level\n  }\n);\n\n// Server receives: { service: \"translate\", text: \"Hello world\", target_lang: \"es\", chain: \"base_sepolia\" }\n```\n\n#### PayOptions Reference\n\n```typescript\ninterface PayOptions {\n  token?: 'USDC' | 'USDT';     // Token to pay with (default: USDC)\n  autoSelect?: boolean;         // Auto-select token based on balance\n  chain?: string;               // Chain: base, polygon, solana, bnb, tempo_moderato, + testnets\n  rawData?: boolean;            // Send data at top level (for custom input formats)\n}\n```\n\n#### CLI Equivalent\n\n```bash\n# Standard format (uses { params: { prompt } })\nnpx moltspay pay https://server.com text-to-video --prompt \"a cat dancing\"\n\n# Custom format (uses rawData, sends at top level)\nnpx moltspay pay https://server.com translate --data '{\"text\": \"Hello\", \"target_lang\": \"es\"}'\n```\n\n### Server\n\n```typescript\nimport { MoltsPayServer } from 'moltspay/server';\n\nconst server = new MoltsPayServer('./moltspay.services.json');\n\n// Register custom handler (optional - usually loaded from skill)\nserver.skill('text-to-video', async (params) => {\n  // implementation\n  return { video_url: '...' };\n});\n\nserver.listen(3000);\n```\n\n## Supported Chains\n\n| Chain | ID | Type | Facilitator | Gas Model |\n|-------|-----|------|-------------|-----------|\n| Base | 8453 | Mainnet | CDP | Gasless (CDP pays) |\n| Polygon | 137 | Mainnet | CDP | Gasless (CDP pays) |\n| Base Sepolia | 84532 | Testnet | CDP | Gasless (CDP pays) |\n| Solana | - | Mainnet | SOL | Gasless (server pays) |\n| Solana Devnet | - | Testnet | SOL | Gasless (server pays) |\n| BNB | 56 | Mainnet | BNB | Gasless (server pays) |\n| BNB Testnet | 97 | Testnet | BNB | Gasless (server pays) |\n| Tempo Moderato | 42431 | Testnet | Tempo | Gas-free native |\n\n**Notes:**\n- Ethereum mainnet NOT recommended (gas too expensive)\n- Each chain uses a specialized facilitator for optimal UX\n\n### Facilitator Architecture\n\nA **facilitator** is the entity that executes the on-chain payment and pays the gas fees. MoltsPay supports two types:\n\n| Type | Facilitator | Who Pays Gas? | Trust Model |\n|------|-------------|---------------|-------------|\n| **External** | CDP (Coinbase) | Coinbase | Trust Coinbase infrastructure |\n| **Self-hosted** | SOL, BNB, Tempo | Your server | Trust your own server |\n\n**External Facilitator (CDP):**\n- Uses Coinbase Developer Platform as a third-party settlement service\n- Coinbase handles all on-chain execution and gas fees\n- Requires CDP API credentials\n- Supported chains: Base, Polygon\n\n**Self-hosted Facilitator (SOL, BNB, Tempo):**\n- Your MoltsPay server acts as the facilitator\n- Server pays gas fees (~$0.001 per tx)\n- No external dependency - fully self-sovereign\n- You control the entire payment flow\n\n**Why Self-hosted is More Decentralized:**\n\n| Aspect | CDP (External) | Self-hosted |\n|--------|----------------|-------------|\n| Single point of failure | Coinbase down = everyone stuck | Each provider independent |\n| Censorship risk | Coinbase can block accounts | Cannot be censored |\n| Dependency | Relies on third-party | Fully autonomous |\n\nThis self-hosted approach is a key innovation: **any service provider can become their own facilitator** without relying on third-party infrastructure. Unlike CDP where all users depend on Coinbase, self-hosted facilitators create a truly decentralized network with no single point of failure.\n\n**Note:** Clients never need to know the facilitator's private keys. They only sign their own payments - the facilitator handles settlement transparently.\n\n### Facilitators Explained\n\n| Facilitator | Chains | How It Works |\n|-------------|--------|--------------|\n| **CDP** | Base, Polygon | Client signs EIP-3009, Coinbase executes transfer |\n| **SOL** | Solana | Client signs SPL transfer, server executes as fee payer |\n| **BNB** | BNB | Client signs EIP-712 intent, server executes transfer |\n| **Tempo** | Tempo Moderato | Client executes TIP-20 transfer (native gas-free) |\n\n### Solana Support\n\nSolana uses the **SolanaFacilitator** with SPL token transfers. Key differences:\n\n- **Gasless for users** - Server acts as fee payer (~$0.001 SOL per tx)\n- **Separate wallet** - Solana uses ed25519 keys (different from EVM's secp256k1)\n- **Wallet stored at** `~/.moltspay/wallet-solana.json`\n- **Token** - Official Circle USDC SPL token\n\n```bash\n# Initialize includes Solana wallet automatically\nnpx moltspay init\n\n# Check Solana balance\nnpx moltspay status\n\n# Get free devnet USDC\nnpx moltspay faucet --chain solana_devnet\n\n# Pay on Solana\nnpx moltspay pay https://server.com service-id --chain solana --prompt \"test\"\n```\n\n**USDC Addresses:**\n| Network | Mint Address |\n|---------|--------------|\n| Mainnet | `EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v` |\n| Devnet | `4zMMC9srt5Ri5X14GAgXhaHii3GnPAEERYPJgZJDncDU` |\n\n### BNB Chain Support\n\nBNB uses the **BNBFacilitator** with a pre-approval flow. Since CDP doesn't support BNB, we use a different approach:\n\n1. Client approves a spender **once** (a one-time on-chain `approve`, costs ~0.001 BNB gas)\n2. Client signs an EIP-712 payment intent (no gas needed)\n3. Server validates and executes the transfer\n4. Server sponsors gas (~$0.0001 per tx)\n\n```bash\n# Get free testnet USDC + tBNB for gas\nnpx moltspay faucet --chain bnb_testnet\n\n# One-time approve (required before the first BNB payment).\n# The spender address comes from the server's 402 response; a first `pay` also\n# prints it if you haven't approved yet.\nnpx moltspay approve --spender 0xSPENDER --chain bnb_testnet\n\n# Pay on BNB (client pays no gas after the approve!)\nnpx moltspay pay https://server.com service-id --chain bnb_testnet --prompt \"test\"\n\n# Check BNB balance\nnpx moltspay status\n```\n\n**Important:** BNB tokens use 18 decimals (not 6 like Base/Polygon).\n\n**Token Addresses (BNB Mainnet):**\n| Token | Address |\n|-------|---------|\n| USDC | `0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d` |\n| USDT | `0x55d398326f99059fF775485246999027B3197955` |\n\n### Tempo Testnet\n\nTempo Moderato is a gas-free testnet that supports the **MPP (Machine Payments Protocol)**. Perfect for testing agent-to-agent payments without any gas fees.\n\n**Tempo Stablecoins:**\n- pathUSD (USDC equivalent): `0x20c0000000000000000000000000000000000000`\n- alphaUSD (USDT equivalent): `0x20c0000000000000000000000000000000000001`\n\n```bash\n# Get free Tempo testnet tokens\nnpx moltspay faucet --chain tempo_moderato\n\n# Pay on Tempo (gas-free!)\nnpx moltspay pay https://server.com service-id --chain tempo_moderato --prompt \"test\"\n\n# Check Tempo balance\nnpx moltspay status\n```\n\n**Explorer:** https://explore.testnet.tempo.xyz\n\n## Fiat Rail (Alipay / CNY)\n\nSince **`2.0.0`**, MoltsPay supports a **fiat payment rail via Alipay AI Pay**, settling in **CNY** alongside the existing USDC crypto rails. It uses the same HTTP 402 flow, so a service can price in USDC, CNY, or both — a purely additive change that leaves existing crypto-only services untouched.\n\nUnlike the crypto rails, `alipay` is a **fiat rail, not a blockchain**: there is no gas and no on-chain settlement — the buyer pays in the Alipay app and the merchant settles in CNY. The scheme is `alipay-aipay`, signed with RSA2.\n\n> ⚠️ **Node CLI only.** The Alipay client wraps the `alipay-bot` CLI and requires Node ≥ 22. The browser build (`moltspay/web`) throws `UnsupportedChainError` for `alipay`. Provider/server config is 100% native TypeScript.\n\n### Provider Setup (Selling in CNY)\n\nAdd `\"alipay\"` to `chains`, configure `provider.alipay` with your merchant keys, and add a per-service `alipay` block with the CNY price. Crypto and fiat can coexist:\n\n```json\n{\n  \"provider\": {\n    \"name\": \"My Service\",\n    \"wallet\": \"0x...\",\n    \"chains\": [\"base\", \"alipay\"],\n    \"alipay\": {\n      \"seller_id\": \"2088xxxxxxxxxxxx\",\n      \"app_id\": \"2021xxxxxxxxxxxx\",\n      \"seller_name\": \"My Shop\",\n      \"service_id_default\": \"API_XXXXXXXXXXXXXXXX\",\n      \"private_key_path\": \"./cert/app_private_key.pem\",\n      \"alipay_public_key_path\": \"./cert/alipay_public_key.pem\"\n    }\n  },\n  \"services\": [{\n    \"id\": \"my-service\",\n    \"function\": \"handleRequest\",\n    \"price\": 0.50,\n    \"currency\": \"USDC\",\n    \"alipay\": { \"price_cny\": \"7.00\", \"goods_name\": \"My Service\" }\n  }]\n}\n```\n\n**`provider.alipay`** (required when `chains` includes `alipay`):\n\n| Field | Req | Description |\n|-------|-----|-------------|\n| `seller_id` | ✅ | Merchant Alipay ID (16 digits) |\n| `app_id` | ✅ | Application ID from the Alipay Open Platform (16 digits) |\n| `seller_name` | ✅ | Merchant display name (shown in the 402 challenge) |\n| `service_id_default` | ✅ | Default `service_id` for this provider (e.g. `API_XXXXXXXXXXXXXXXX`) |\n| `private_key_path` | ✅ | Path to the RSA2 merchant private key PEM (relative to the manifest) |\n| `alipay_public_key_path` | ✅ | Path to the Alipay platform public key PEM |\n| `gateway_url` | — | Open API gateway (default production; use the sandbox URL for testing) |\n| `sign_type` | — | Signature algorithm — only `RSA2` is supported |\n\n**`services[].alipay`** (set on each service that accepts CNY):\n\n| Field | Req | Description |\n|-------|-----|-------------|\n| `price_cny` | ✅ | CNY price as a decimal string in **yuan**, e.g. `\"7.00\"` = 7 CNY (**NOT cents**) |\n| `goods_name` | ✅ | Goods name shown to the buyer in the Alipay app |\n| `service_id` | — | Per-service override (defaults to `provider.alipay.service_id_default`) |\n\n> ⚠️ `price` (USDC) and `price_cny` (CNY) are **two independent prices** — MoltsPay does no FX conversion. You decide whether USDC `0.50` is equivalent to CNY `7.00`. The merchant-backend unit price must match `price_cny` or the challenge is rejected.\n\n### Client Usage (Paying in CNY)\n\nThe Alipay client relies on the `alipay-bot` CLI, which is **auto-provisioned on install** from the official Alipay CDN (postinstall, best-effort). Set `MOLTSPAY_SKIP_CLI_INSTALL=1` to skip it, or install it manually later:\n\n```bash\n# Manual / CI install of the bundled CLI\nnpx -y @alipay/agent-payment install-cli\nalipay-bot --version          # expect >= 0.3.15\n\n# One-time: open & authorize the Alipay wallet (scan the returned QR in the app)\nnpx moltspay alipay apply\nnpx moltspay alipay bind -c \"<auth-code>\"\nnpx moltspay alipay check\n\n# Pay a service in CNY\nnpx moltspay pay https://server.com my-service --rail alipay --prompt \"...\"\n```\n\n> 🔐 **Keep keys safe.** The RSA2 private key authorizes collection on your merchant account. Store the PEM files outside version control and reference them by path in the manifest.\n\nSee [`docs/ALIPAY-RAIL.md`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/docs/ALIPAY-RAIL.md) for the full reference (402 flow, error codes, end-to-end example, and known issues).\n\n## Fiat Rail (WeChat Pay / CNY)\n\nSince **`2.1.0`**, MoltsPay supports a second **fiat payment rail via WeChat Pay v3 Native (scan-to-pay)**, settling in **CNY** alongside USDC and Alipay. It uses the same HTTP 402 flow, so a service can price in USDC, Alipay-CNY, WeChat-CNY, or any combination — purely additive.\n\nLike `alipay`, `wechat` is a **fiat rail, not a blockchain**. The scheme is `wechatpay-native`, requests are signed with **SHA256-RSA** (`WECHATPAY2-SHA256-RSA2048`), and amounts are sent to WeChat in **fen** (the manifest still uses **yuan** decimal strings for consistency).\n\n> ⚠️ **Not a fully autonomous payer.** WeChat Pay has no agent-payment product equivalent to Alipay's `alipay-bot`. The flow is: the server issues a **payer-agnostic `code_url`** (Native, no `openid` — anyone can scan), the SDK client persists the session and polls, a human scans and pays, and the server verifies the order (`trade_state === SUCCESS`). It is **one code, one payment** — issue a new code to collect again. See [`docs/WECHAT-RAIL-DESIGN.md`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/docs/WECHAT-RAIL-DESIGN.md).\n\n### Provider Setup (Selling in CNY)\n\nAdd `\"wechat\"` to `chains`, configure `provider.wechat` with your merchant credentials, and add a per-service `wechat` block with the CNY price:\n\n```json\n{\n  \"provider\": {\n    \"name\": \"My Service\",\n    \"wallet\": \"0x...\",\n    \"chains\": [\"base\", \"wechat\"],\n    \"wechat\": {\n      \"mchid\": \"1900000001\",\n      \"appid\": \"wx8888888888888888\",\n      \"serial_no\": \"5157F09EFDC096DE15EBE81A47057A72...\",\n      \"private_key_path\": \"./cert/wechat_apiclient_key.pem\",\n      \"platform_public_key_path\": \"./cert/wechat_platform_cert.pem\",\n      \"apiv3_key\": \"your32byteapiv3keyhere0123456789\",\n      \"notify_url\": \"https://your.host/wechat/notify\"\n    }\n  },\n  \"services\": [{\n    \"id\": \"my-service\",\n    \"function\": \"handleRequest\",\n    \"price\": 0.50,\n    \"currency\": \"USDC\",\n    \"wechat\": { \"price_cny\": \"7.00\", \"description\": \"My Service\" }\n  }]\n}\n```\n\n**`provider.wechat`** (required when `chains` includes `wechat`):\n\n| Field | Req | Description |\n|-------|-----|-------------|\n| `mchid` | ✅ | Merchant id |\n| `appid` | ✅ | App id (official account / mini-program / app) |\n| `serial_no` | ✅ | Merchant API certificate serial number |\n| `private_key_path` | ✅ | Path to the merchant RSA private key PEM (relative to the manifest) |\n| `notify_url` | ✅ | Async result notify URL (required by Native order create even when polling) |\n| `platform_public_key_path` | — | WeChat platform certificate / public key PEM — enables response signature verification |\n| `apiv3_key` | — | APIv3 key (32 bytes) — only needed for callback decryption (Phase 2) |\n| `api_base` | — | Open API base URL (default `https://api.mch.weixin.qq.com`) |\n\n**`services[].wechat`** (set on each service that accepts CNY):\n\n| Field | Req | Description |\n|-------|-----|-------------|\n| `price_cny` | ✅ | CNY price as a decimal string in **yuan**, e.g. `\"7.00\"` = 7 CNY (**NOT fen**) |\n| `description` | ✅ | Order description shown to the payer in the WeChat app |\n\n> ⚠️ `price` (USDC) and `price_cny` (CNY) are **independent prices** — MoltsPay does no FX conversion.\n\n### How It Works\n\n1. An unpaid request to `/execute` returns **402** with a `wechatpay-native` entry in `accepts[]`, carrying `extra.code_url` (`weixin://wxpay/bizpayurl?pr=...`) and `extra.out_trade_no`.\n2. The SDK client persists a payment session before surfacing the QR. A channel runtime can show the returned PNG/`MEDIA` image and continue independently of the original tool call.\n3. A human scans and pays. The Native `code_url` is a QR payload, not a normal HTTPS checkout link.\n4. The SDK client polls by re-requesting `/execute` with an `X-Payment` payload echoing `out_trade_no`; the server verifies via order query and, on `SUCCESS`, runs the skill and confirms settlement.\n5. If the process is interrupted, the session can be resumed by `payment_session_id` or `out_trade_no`; `fulfill` is idempotent and returns the stored result once completed.\n\n### Buyer SDK Usage\n\nBlocking terminal-style payment:\n\n```ts\nimport { MoltsPayClient } from 'moltspay/client';\n\nconst client = new MoltsPayClient();\nconst result = await client.pay(\n  'https://server.com',\n  'my-service',\n  { prompt: 'hello' },\n  {\n    rail: 'wechat',\n    onPaymentPending: ({ paymentUrl, tradeNo }) => {\n      console.log('Render this as a QR:', paymentUrl, tradeNo);\n    },\n  },\n);\n```\n\nRecoverable channel/session payment:\n\n```ts\nconst session = await client.startWechatPayment(\n  'https://server.com',\n  'my-service',\n  { prompt: 'hello' },\n  {\n    rail: 'wechat',\n    autoPoll: true,\n    onPaymentPending: ({ paymentUrl, tradeNo }) => {\n      // Render paymentUrl as QR and send it to the current channel.\n    },\n    onWechatPaymentCompleted: async (completed) => {\n      // Send completed.resultBody, parsed as needed, back to the channel.\n    },\n    onWechatPaymentFailed: async (failed) => {\n      // Notify timeout/cancel/failure.\n    },\n  },\n);\n\nconsole.log(session.paymentSessionId, session.outTradeNo);\n```\n\nCLI recoverable flow:\n\n```bash\nnpx moltspay wechat start https://server.com my-service --prompt \"hello\" --json\nnpx moltspay wechat status mpay_sess_...\nnpx moltspay wechat fulfill mpay_sess_...\n```\n\nSee [`examples/wechat-native-pay.ts`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/examples/wechat-native-pay.ts) for a runnable scenario-A demo (mock by default; `WECHAT_REAL=1` hits the live gateway).\n\n> 🔐 **Keep keys safe.** The merchant private key and APIv3 key authorize collection on your merchant account. Store them outside version control and reference them by path.\n\n## Balance Rail (Password-Free Payments)\n\nSince **`2.2.0`**, MoltsPay supports a third payment mode: a **custodial balance rail (password-free)**. A buyer tops up once — via any existing rail — and subsequent purchases are deducted from a server-custodied balance: **no signature, no QR scan, no password per transaction**. It uses the same HTTP 402 flow (scheme/network `balance`), so a service can offer crypto, Alipay-CNY, WeChat-CNY, and balance simultaneously — purely additive.\n\nUnlike the other rails, nothing settles externally at purchase time: the ledger lives in SQLite on the provider server (Node's built-in `node:sqlite`, zero new dependencies). Enabling the rail requires **Node.js >= 22.5** on the server; servers that don't enable it keep the package's `node >= 18` floor.\n\n> ⚠️ **Custodial trust model.** Buyer funds are held by the provider. Since **`2.4.0`**, spending is authorized by a **per-request signature**, not a bare `buyer_id` — see [Balance Authentication](#balance-authentication-240) below. With `auth_mode: enforce`, knowing a `buyer_id` is not enough to spend. (`auth_mode` defaults to `off` for backward compatibility, where the id retains bearer semantics.) See [`docs/WECHAT-BALANCE-PASSWORDLESS-DESIGN.md`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/docs/WECHAT-BALANCE-PASSWORDLESS-DESIGN.md).\n\n### Balance Authentication (`2.4.0`)\n\nBefore 2.4.0 the balance rail identified a buyer by a single plaintext `buyer_id`: anyone who knew it could spend that balance (bearer semantics), and the same person writing it two ways split into two accounts. 2.4.0 gives the rail a real identity, in two complementary halves:\n\n- **Identity anchor = WeChat `openid`.** On a WeChat-funded top-up, the server extracts `payer.openid` from the (signature-verified) order query and records it on the account. Accounts are anchored to the person who actually paid, not to a self-reported string — this removes the account-splitting class of bug at the source. Binding is observational and never overwrites a conflicting openid.\n- **Spend credential = a per-request signature.** Each deduction carries an EIP-191 signature over a canonical message (domain `moltspay-balance-auth:v1` / `balance-deduct` / `buyer_id` / `request_id` / `service` / `timestamp`). The server recovers the signer address, TOFU-binds it to the account on first use, and verifies it thereafter. The amount is deliberately *not* signed (the service id fixes the price server-side); a `request_id` + a ±5-minute `timestamp` window bound replay.\n\n**`provider.balance.auth_mode`** — staged rollout, not on by default:\n\n| Mode | Behavior |\n|------|----------|\n| `off` (default) | Signature is not checked. Backward-compatible; `buyer_id` keeps bearer semantics. |\n| `shadow` | Verify and log what it *would* reject, without blocking. Use this to confirm every client is signing before tightening. |\n| `enforce` | Reject unsigned / invalid / wrong-signer requests with **401**. |\n\nThe client signs with its EVM wallet, or — for balance-only clients with no crypto wallet — a per-configDir identity key auto-created at `<configDir>/balance-identity.key` (0600). Inspect and bind identity with `moltspay balance whoami` / `moltspay balance bind`.\n\n> **Foundation — WeChat response verification.** The `openid` anchor is only trustworthy if the order-query response is verified against the WeChat platform certificate. Configure `provider.wechat.platform_public_key_path` (present ⇒ every response is verified, and a verification failure throws); without it, the identity anchor is not trustworthy.\n\n> **Trust model — one agent key spends for all its users.** The shipped model is *agent-custodial*: a single agent key is bound to every account it tops up (`signer_address` is one-to-many). Accounts stay separated by openid, but **whoever holds the agent's key can spend every bound user's balance** — protect `balance-identity.key` accordingly. There is currently no revocation/freeze API (operator-only, via the ledger DB); per-user key isolation is a future upgrade.\n\n### WeChat-Funded Password-Free (Scan Once, Then Password-Free)\n\nSince **`2.3.0`**, the WeChat rail can **fund** the balance instead of charging per transaction. The buyer scans **once** to load a top-up pack (e.g. ¥20); every subsequent purchase deducts from the balance with **no scan, no password**, until it runs low and one more scan tops it up. WeChat has no autonomous payer, so \"password-free\" lives on the balance side — the first purchase against an empty balance still needs one scan, but it buys a pack, not a single item.\n\nSet the ledger currency to `CNY` (WeChat `payer_total` credits 1:1 as fen — no FX), define top-up packs, and the client handles the rest:\n\n```json\n{\n  \"provider\": {\n    \"name\": \"My Service\",\n    \"wallet\": \"0x...\",\n    \"chains\": [\"balance\", \"wechat\"],\n    \"balance\": {\n      \"db_path\": \"./data/balance-cny.sqlite\",\n      \"currency\": \"CNY\",\n      \"single_limit\": \"50.00\",\n      \"daily_limit\": \"200.00\",\n      \"topup_packs\": [\"20.00\", \"50.00\"],\n      \"default_pack\": \"20.00\",\n      \"auto_topup_max\": \"50.00\"\n    },\n    \"wechat\": {\n      \"mchid\": \"1900000001\",\n      \"appid\": \"wx8888888888888888\",\n      \"serial_no\": \"...\",\n      \"private_key_path\": \"/abs/apiclient_key.pem\",\n      \"notify_url\": \"https://your-host/wechat/notify\",\n      \"platform_public_key_path\": \"/abs/wechat_platform_cert.pem\",\n      \"apiv3_key\": \"<32-byte apiv3 key>\"\n    }\n  },\n  \"services\": [{\n    \"id\": \"my-service\",\n    \"function\": \"handleRequest\",\n    \"price\": 3.99,\n    \"currency\": \"CNY\",\n    \"balance\": { \"price\": \"3.99\" }\n  }]\n}\n```\n\n**New `provider.balance` fields (2.3.0):**\n\n| Field | Req | Description |\n|-------|-----|-------------|\n| `currency` | — | Set to `\"CNY\"` to fund via WeChat 1:1 (fen). A ledger remembers its currency and refuses to start on a mismatch |\n| `topup_packs` | — | Offered recharge amounts (yuan strings), e.g. `[\"20.00\",\"50.00\"]` |\n| `default_pack` | — | Pack the client auto-selects when funds are short (must be in `topup_packs`) |\n| `auto_topup_max` | — | Ceiling on client auto-top-up without explicit pack selection |\n\nTop-ups are confirmed by **polling the WeChat order query** (`trade_state === SUCCESS`) and credited idempotently on `out_trade_no`. The async callback webhook (`POST /wechat/notify`) is **not implemented yet** — polling is the only confirmation path today, which is safe but adds latency. Configure `platform_public_key_path` regardless: it makes the server verify WeChat's response signatures, which is what makes the `payer.openid` behind balance identity trustworthy. Usage — a single `pay` command:\n\n```bash\nnpx moltspay balance set-buyer my-buyer-id\n# First purchase: prints a pack QR, waits for the scan, credits, completes.\n# Later purchases: password-free, no QR — deducted from the balance.\nnpx moltspay pay https://server.com my-service '{\"prompt\":\"hello\"}'\n```\n\n### Money-Safety Design\n\n- **Integer-cent accounting** — no floating-point drift.\n- **Atomic check-and-deduct** — a single SQLite transaction (`UPDATE ... WHERE balance_sat >= ?`); a balance can never go negative under concurrency.\n- **Triple idempotency**, each enforced by a unique index: deducts replay on the client's `request_id`, top-ups replay on the external settlement reference, refunds replay per deduct. No retry can double-charge, double-credit, or double-refund.\n- **Server-side hard limits** per buyer: per-transaction (default `5.00`) and daily (default `10.00`).\n- **Automatic refund** — the deduct lands *before* the skill runs; if the skill fails, the server refunds it in the same request.\n- **Pure 402 challenges** — unlike the QR rails, a 402 response mints nothing, so unpaid challenges have no side effects.\n- **Full audit trail** — every top-up, deduct, and refund is a permanent ledger row, queryable per buyer.\n\n### Provider Setup\n\nAdd `\"balance\"` to `chains`, configure `provider.balance`, and add a per-service `balance` block (its `price` defaults to the service's top-level price):\n\n```json\n{\n  \"provider\": {\n    \"name\": \"My Service\",\n    \"wallet\": \"0x...\",\n    \"chains\": [\"base\", \"balance\"],\n    \"balance\": {\n      \"db_path\": \"./data/balance.sqlite\",\n      \"currency\": \"USD\",\n      \"single_limit\": \"5.00\",\n      \"daily_limit\": \"10.00\"\n    }\n  },\n  \"services\": [{\n    \"id\": \"my-service\",\n    \"function\": \"handleRequest\",\n    \"price\": 3.99,\n    \"currency\": \"USDC\",\n    \"balance\": { \"price\": \"3.99\" }\n  }]\n}\n```\n\n**`provider.balance`** (required when `chains` includes `balance`):\n\n| Field | Req | Description |\n|-------|-----|-------------|\n| `db_path` | ✅ | SQLite ledger file path (relative to the manifest); created on first start |\n| `currency` | — | Ledger quote currency (default `USD`) |\n| `single_limit` | — | Default per-transaction limit for new buyers (default `\"5.00\"`) |\n| `daily_limit` | — | Default daily limit for new buyers (default `\"10.00\"`) |\n| `operator_key` | ✅ *(2.4.2)* | Shared secret gating `POST /balance/topup` and `POST /balance/refund`. `MOLTSPAY_BALANCE_OPERATOR_KEY` overrides it. **Unset ⇒ both endpoints are disabled (503)** — required in practice, since top-ups cannot be credited without it |\n\n**`services[].balance`**:\n\n| Field | Req | Description |\n|-------|-----|-------------|\n| `price` | — | Price in the ledger currency as a decimal string; defaults to the service's `price` |\n\nThe server also exposes balance-management endpoints:\n\n| Endpoint | Auth | Description |\n|----------|------|-------------|\n| `GET /balance?buyer_id=` | none | Balance, limits, and today's spend |\n| `POST /balance/topup` | **operator** *(2.4.2)* | Verify an externally settled payment and credit the ledger |\n| `POST /balance/refund` | **operator** *(2.4.2)* | Reverse a deduct (operator/agent use) |\n| `GET /balance/transactions?buyer_id=` | none | Ledger history, newest first |\n\n**Operator authentication (2.4.2).** The two endpoints that credit or reverse a balance require the operator secret, presented as `Authorization: Bearer <operator_key>` or `X-Operator-Key: <operator_key>` — header only, so it is never persisted into ledger descriptions or logs. Missing or wrong ⇒ `401`; no `operator_key` configured ⇒ `503` (fail closed, never open). This closes three exploitable holes present through 2.4.1 — unauthenticated minting, unauthenticated refund (permanently free service), and crypto top-up front-running. See [`CHANGELOG.md`](https://github.com/Yaqing2023/moltspay/blob/v2.4.2/CHANGELOG.md#242---2026-08-11).\n\n```bash\ncurl -X POST https://your-server/balance/topup \\\n  -H \"Authorization: Bearer $MOLTSPAY_BALANCE_OPERATOR_KEY\" \\\n  -H 'Content-Type: application/json' \\\n  -d '{\"buyer_id\":\"...\",\"rail\":\"wechat\",\"amount\":\"10.00\",\"out_trade_no\":\"...\"}'\n```\n\n> ⚠️ **The read path is still unauthenticated**, and the top-up rails differ in how much they trust the caller. `GET /balance` and `GET /balance/transactions` disclose balance, limits, and transaction ids to anyone who knows a `buyer_id` — keep them behind reverse-proxy auth or an IP allowlist. On the credit side, the `alipay` path is operator-trusted in this MVP: Alipay AI-Pay verification requires the buyer-side `payment_proof`, so the server credits a reported `trade_no` without gateway verification — the operator key is now the only thing standing behind it. The `crypto` path verifies the `tx_hash` on-chain (receipt + transfer to the provider wallet + amount) but **not the payer**, and the `wechat` path queries the order for `SUCCESS`; all three are idempotent on the external reference.\n\n### How It Works\n\n1. An unpaid request to `/execute` returns **402** with a `balance` entry in `accepts[]` (pure — nothing is minted).\n2. The client re-requests with an `X-Payment` payload carrying `{ buyer_id, request_id }`, where `request_id` is a fresh client-generated UUID.\n3. The server **deducts atomically first** (idempotent on `request_id`), then runs the skill, and refunds automatically if the skill fails. This is the inverse of the QR rails (verify paid → run → confirm).\n4. The response carries the ledger transaction id in `X-Payment-Response`.\n\n### Buyer Usage\n\n```bash\n# One-time: persist your buyer id (account label). Under auth_mode=enforce, spending also\n# requires the bound signing key — see \"Balance Authentication\" above.\nnpx moltspay balance set-buyer my-buyer-id\n\n# Top up once, via any settled rail\nnpx moltspay balance topup https://server.com 10.00 --rail crypto --tx-hash 0xabc... --chain base\nnpx moltspay balance topup https://server.com 10.00 --rail wechat --out-trade-no MP1719...\nnpx moltspay balance topup https://server.com 10.00 --rail alipay --trade-no 2026...\n\n# Then pay password-free — no wallet, no QR\nnpx moltspay pay https://server.com my-service '{\"prompt\":\"hello\"}' --rail balance\n\n# Check balance and history\nnpx moltspay balance query https://server.com\nnpx moltspay balance transactions https://server.com\n```\n\nSDK equivalent:\n\n```ts\nimport { MoltsPayClient } from 'moltspay/client';\n\nconst client = new MoltsPayClient();\nclient.setBuyerId('my-buyer-id'); // persisted in config.json\n\nawait client.topupBalance('https://server.com', {\n  rail: 'crypto', amount: '10.00', txHash: '0xabc...', chain: 'base',\n});\n\nconst result = await client.pay('https://server.com', 'my-service',\n  { prompt: 'hello' }, { rail: 'balance' });\n\nconst info = await client.getBuyerBalance('https://server.com');\nconsole.log(info.balance, info.today_spent);\n```\n\n## Live Example: Zen7 Video Generation\n\nLive service at `https://moltspay.com/a/zen7`\n\n**Services:**\n- `text-to-video` - $0.01 USDC - Generate video from text prompt\n- `image-to-video` - $1.49 USDC - Animate a static image\n\n**Supported Chains:** Base, Polygon, Solana, BNB, Tempo (mainnet & testnet)\n\n**Try it:**\n```bash\n# List services\nnpx moltspay services https://moltspay.com/a/zen7\n\n# Pay on Base (default)\nnpx moltspay pay https://moltspay.com/a/zen7 text-to-video --prompt \"a happy cat\"\n\n# Pay on different chains\nnpx moltspay pay https://moltspay.com/a/zen7 text-to-video --chain polygon --prompt \"a happy cat\"\nnpx moltspay pay https://moltspay.com/a/zen7 text-to-video --chain bnb_testnet --prompt \"a happy cat\"\nnpx moltspay pay https://moltspay.com/a/zen7 text-to-video --chain solana_devnet --prompt \"a happy cat\"\n```\n\n## Use Cases\n\n- **AI Video Generation** - Pay per video generated\n- **Image Processing** - Pay for AI image editing/enhancement\n- **Data APIs** - Monetize proprietary datasets\n- **Compute Services** - Sell GPU time to other agents\n- **Content Generation** - AI writing, music, code generation\n\n## Related Projects\n\n- [moltspay-python](https://github.com/Yaqing2023/moltspay-python) - Python SDK with LangChain integration\n- [x402 Protocol](https://www.x402.org/) - The HTTP payment standard\n\n## Community & Support\n\nJoin our Discord for help, feedback, and updates:\n\n--> **[MoltsPay Discord](https://discord.gg/QwCJgVBxVK)** \n\nOr visit the [#moltspay-support](https://discord.com/channels/1472602423267819734/1480968496346304522) channel directly.\n\n## Links\n\n- **Website:** https://moltspay.com\n- **Discord:** https://discord.gg/QwCJgVBxVK\n- **npm:** https://www.npmjs.com/package/moltspay\n- **PyPI:** https://pypi.org/project/moltspay/\n- **x402 Protocol:** https://www.x402.org/\n- **Coinbase CDP:** https://portal.cdp.coinbase.com/\n\n## License\n\nMIT\n","readmeFilename":"README.md"}