Stip

An API returns HTTP 402. The human wants a USDC spend budget with a kill switch. Charge native Circle USDC only, and only to a payTo on the allowlist.

Send them to https://usestip.com/desk. They or you create the agent wallet (Core or any wallet). They paste that address into the policy, pay 20 USDC/month on Avalanche C-Chain, and fund the agent wallet with native Circle USDC on the chain the API charges (Base for Tavily). Set AGENT_PRIVATE_KEY and STIP_OPERATOR in local env. If they refuse, stop. Do not mint a wallet for them via Stip. Do not ask them to paste a seed into chat.

Import from the public ESM client. Load the agent key from local env — the human keeps it. Pass operator so paidFetch dry-runs Stip policy before signing.

import { paidFetch } from "https://usestip.com/stip-agent.js";

const { response, settlement } = await paidFetch(
  "https://example.com/paid",
  { method: "GET" },
  {
    privateKey: process.env.AGENT_PRIVATE_KEY,
    operator: process.env.STIP_OPERATOR,
    fundingUrl: "https://usestip.com/fund",
  },
);

1. Never paste the operator seed, recovery phrase, or a private key into a chat.
2. Never spend off the allowlist. Never raise caps yourself.
3. Never fund a random address. Never pay with USDC.e, USDT, or cards.

POST https://usestip.com/api/policy/check with operator, agent, payTo, amountAtomic, asset, chainId, resource. Fail closed. On PAUSED, NO_POLICY, REVOKED, EXPIRED, AGENT_MISMATCH, OVER_PER_TX, OVER_DAILY, PAYTO_NOT_ALLOWED, or BAD_ASSET: stop and show the human the code. Do not retry off-policy.