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Every LLM call becomes an immutable, auditable transaction.","maintainers":[{"name":"c-1k","email":"cam@camwhiteus.com"}],"readme":"# usertrust™\n\nFinancial governance for AI agents. Every LLM call becomes an immutable, auditable transaction.\n\n```typescript\nimport { trust } from \"usertrust\";\nimport Anthropic from \"@anthropic-ai/sdk\";\n\n// dryRun: true — skips TigerBeetle so you can try instantly.\n// Audit chain and policy engine still run.\nconst client = await trust(new Anthropic(), { dryRun: true, budget: 50_000 });\n\nconst { response, receipt } = await client.messages.create({\n  model: \"claude-sonnet-4-6\",\n  max_tokens: 1024,\n  messages: [{ role: \"user\", content: \"Analyze this contract\" }],\n});\n\nconsole.log(receipt);\n\n// REQUIRED — process hangs without this\nawait client.destroy();\n```\n\nThat's it. One function wraps any supported LLM client. Every call is metered, audited, and policy-checked.\n\n### Expected Output\n\nThe `receipt` returned from every call:\n\n```\n{\n  cost: 42,\n  budgetRemaining: 49958,\n  transferId: \"tx_m4k7p2_a1b2c3\",\n  auditHash: \"sha256:e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855\",\n  settled: true,\n  model: \"claude-sonnet-4-6\",\n  provider: \"anthropic\",\n  inputTokens: 12,\n  outputTokens: 28\n}\n```\n\n## Install\n\n```bash\nnpx usertrust init\n```\n\nThis creates a `.usertrust/` vault in your project root with default config, policies, and an empty audit chain.\n\n## Integration\n\nWorks with Anthropic, OpenAI, and Google AI SDKs:\n\n```typescript\nimport { trust } from \"usertrust\";\nimport Anthropic from \"@anthropic-ai/sdk\";\nimport OpenAI from \"openai\";\n\n// Anthropic\nconst anthropic = await trust(new Anthropic());\nconst { response, receipt } = await anthropic.messages.create({ ... });\n\n// OpenAI\nconst openai = await trust(new OpenAI());\nconst { response, receipt } = await openai.chat.completions.create({ ... });\n\n// With options (full mode — requires TigerBeetle)\nconst client = await trust(new Anthropic(), {\n  budget: 100_000,\n});\n```\n\nEvery call returns `{ response, receipt }`:\n\n```typescript\n{\n  transferId: \"tx_m4k7r2_a1b2c3\",\n  cost: 142,\n  budgetRemaining: 49_858,\n  auditHash: \"a3f8...\",\n  settled: true,\n  model: \"claude-sonnet-4-6\",\n  provider: \"anthropic\",\n  timestamp: \"2026-03-16T12:00:00.000Z\"\n}\n```\n\n## Inspect\n\n```bash\nnpx usertrust inspect\n```\n\n```\n=== Vault Report ===\nChain:    847 events · 12 segments\nBudget:   38,420 / 50,000 UT remaining\nModels:   claude-sonnet-4-6 (412) · gpt-4o (289) · gemini-2.0-flash (146)\nPolicy:   3 rules active · 0 violations\nPII:      2 warnings · 0 blocks\nMerkle:   a3f8c1...d92b (root)\n```\n\n## CLI\n\nAll commands support `--json` for machine-readable output.\n\n```bash\nusertrust init          # Create .usertrust/ vault\nusertrust inspect       # Vault bank statement\nusertrust health        # Entropy diagnostics (6 signals, 0-100 score)\nusertrust verify        # Verify audit chain integrity (+ external anchors)\nusertrust anchor        # External anchoring: init|now|status|doctor|export|export-bundle|rotate|resume\nusertrust snapshot      # Checkpoint/restore vault state\nusertrust tb            # TigerBeetle process management\nusertrust completions   # Shell completions (bash, zsh, fish)\n```\n\n### JSON output\n\nEvery command supports `--json` for scripting and CI:\n\n```bash\nusertrust inspect --json | jq '.data.remaining'\n```\n\n### Shell completions\n\n```bash\n# Bash\nusertrust completions bash > ~/.local/share/bash-completion/completions/usertrust\n\n# Zsh\nusertrust completions zsh > \"${fpath[1]}/_usertrust\"\n\n# Fish\nusertrust completions fish > ~/.config/fish/completions/usertrust.fish\n```\n\n### Error messages\n\nAll errors include fix suggestions and documentation links:\n\n```\nLedger unavailable: connection refused\n\n  Hint: Start TigerBeetle with \"npx usertrust tb start\" or use { dryRun: true } to skip the ledger.\n  Docs: https://usertrust.ai/docs/errors/ledger-unavailable\n```\n\n## Config\n\nCreate `.usertrust/usertrust.config.json`:\n\n```json\n{\n  \"budget\": 50000,\n  \"tier\": \"pro\",\n  \"pii\": \"block\",\n  \"circuitBreaker\": { \"failureThreshold\": 5, \"resetTimeout\": 60000 },\n  \"patterns\": { \"enabled\": true },\n  \"audit\": { \"rotation\": \"daily\", \"indexLimit\": 10000 }\n}\n```\n\n`defineConfig` is available as a TypeScript type-checking helper for validating config objects in your code. The actual config file must be `usertrust.config.json` (JSON format):\n\n```typescript\nimport { defineConfig } from \"usertrust\";\n\n// Type-check your config object — useful for programmatic overrides\nconst config = defineConfig({\n  budget: 50_000,\n  tier: \"pro\",\n  pii: \"block\",\n  circuitBreaker: { failureThreshold: 5, resetTimeout: 60_000 },\n  patterns: { enabled: true },\n  audit: { rotation: \"daily\", indexLimit: 10_000 },\n});\n```\n\n## Features\n\n**Double-entry ledger** — TigerBeetle-backed financial transactions with two-phase lifecycle (PENDING, POST, VOID). Not a counter.\n\n**SHA-256 hash-chained audit** — Every event links to the previous event's hash. Tamper-evident by construction. Append-only JSONL.\n\n**Merkle proofs (RFC 6962)** — Inclusion and consistency proofs for public verifiability. Any third party can verify a specific event existed in the chain.\n\n**External anchoring** — Ed25519-signed chain-head checkpoints pushed to an append-only store the vault operator cannot rewrite (S3 Object Lock, protected git branch, SIEM). Even a fully re-hashed, internally-consistent rewrite fails verification against the externally-held root. Ships a native SigV4 S3 sink (no AWS SDK), an experimental [Rekor](https://docs.sigstore.dev/logging/overview/) transparency-log witness that publishes digests only, `anchor doctor` to probe whether the writer identity can actually delete or overwrite in the store, and `anchor export-bundle` to hand an auditor the records and receipts in one file. See the [anchoring guide](https://github.com/usertools-ai/usertrust/blob/master/docs/anchoring.md).\n\n**Policy engine** — 12 field operators (`eq`, `gt`, `in`, `regex`, etc.) with soft/hard enforcement. Block specific models, cap costs, require approvals.\n\n**PII detection** — Luhn-validated credit card numbers, SSN patterns, email addresses, phone numbers, IPv4 addresses. Block or warn before data leaves your network.\n\n**Circuit breakers** — Per-provider failure isolation. When a provider starts failing, the breaker opens and requests fail fast instead of cascading.\n\n**Pattern memory** — Learns optimal model routing from historical prompt-cost-success data.\n\n## Why this exists\n\nAI agents operate with financial authority. Every LLM call costs money. Without governance:\n\n- There is no audit trail when an agent spends $500 on a hallucinated loop\n- There is no budget enforcement across multiple concurrent agents\n- There is no way to prove what happened after the fact\n- A race condition between two agents can double-spend the same budget\n\nA counter in a database is not a financial ledger. `usertrust` uses the same double-entry, two-phase commit pattern that banks use. PENDING holds reserve the budget atomically. POST settles. VOID releases. The audit chain is hash-linked and Merkle-provable.\n\n## Comparison\n\n| Feature | usertrust | LiteLLM | Portkey | Langfuse |\n|---------|-----------|---------|---------|----------|\n| Financial ledger | TigerBeetle | Counter | Counter | Observation |\n| Two-phase spend | PENDING/POST/VOID | No | No | No |\n| Hash-chained audit | SHA-256 | No | No | No |\n| Merkle proofs | RFC 6962 | No | No | No |\n| Policy engine | 12 operators | Basic rules | Basic rules | No |\n| PII detection | Luhn + regex | No | No | No |\n| Circuit breakers | Per-provider | Global | Per-provider | No |\n| Offline-first | Local vault | Proxy required | Proxy required | Proxy required |\n| Open source | Apache 2.0 | Apache 2.0 | Proprietary | Apache 2.0 |\n\n## Enforcement\n\nBudget enforcement is local. Connect a TigerBeetle instance for production, or pass `dryRun: true` to skip the ledger (audit and policy still run). Remote proxy mode is not implemented — passing `proxy` to `trust()` or `createGovernor()` throws.\n\n## Verify\n\nStandalone verification with zero dependencies:\n\n```bash\nnpx usertrust-verify .usertrust\n```\n\n```\nVault integrity: VERIFIED\nChain length: 847 events\nMerkle root: a3f8c1...d92b\nHash algorithm: SHA-256\nFirst event: 2026-03-01T08:12:44.000Z\nLast event: 2026-03-16T14:33:21.000Z\nAll hashes: valid (847/847)\n```\n\nThe verify package has zero runtime dependencies. It reads JSONL, recomputes SHA-256 hashes, and checks the chain. Anyone can verify a vault without trusting the usertrust SDK.\n\nWith [external anchoring](https://github.com/usertools-ai/usertrust/blob/master/docs/anchoring.md) enabled, verification goes further: the auditor fetches signed checkpoints from an append-only store the operator cannot rewrite and pins the public key out-of-band — so even a fully re-hashed rewrite of the vault fails:\n\n```bash\nusertrust anchor init                                     # once: mint identity, pin the key\nusertrust anchor now --sink-file /mnt/worm/anchors.jsonl  # from cron/CI, or in-process\n\n# or publish straight to S3, after checking the store really refuses deletes\nusertrust anchor doctor --sink-s3 bucket=audit-anchors,region=us-east-1\nusertrust anchor now    --sink-s3 bucket=audit-anchors,region=us-east-1\n\nnpx usertrust-verify .usertrust --anchors anchors.jsonl --pubkey root.pem --require-external-anchor\n```\n\n## License\n\nApache 2.0\n\n---\n\nUserTrust™ is a trademark of Usertools, Inc.\n","readmeFilename":"README.md"}