payments

Available on the root (default user) and naive.forUser(id).

// Probe the price — zero side effects, nothing is spent
await naive.forUser(alice.id).payments.quote({ url: "https://api.example.com/report" });

// SENSITIVE: spends real USDC. `max_amount` is a decimal USDC string.
await naive.forUser(alice.id).payments.pay({ url: "https://api.example.com/report", max_amount: "0.50" });

await naive.forUser(alice.id).payments.receipts({ direction: "buy", limit: 10 });

quote returns accepts[].amount in ATOMIC units (USDC has 6 decimals, so 500000 = 0.50 USDC); everything else here is decimal. receipts returns a bare array and accepts { direction, origin, since, limit }. There is no approval flow — a payment is bounded by the wallet balance and its perTxMax (enforced in the custody plane at signing time). See wallet. Gated by the payments primitive in the user’s AccountKit (opt-in — off by default).

SDK

Sub-clients