Agent Agentic Payments
Let autonomous shopping or commerce agents spend within caps using mandates, signatures, and multi-agent approval.
Overview
Agent Agentic Payments is an agent skill most often used in Build (also Operate) that manages autonomous payment mandates, Ed25519 signing, and multi-agent consensus for AI commerce.
Install
npx skills add https://github.com/ruvnet/ruflo --skill agent-agentic-paymentsWhat is this skill?
- Create Active Mandates with spend caps, periods, merchant allowlists, and intent vs cart vs subscription kinds
- Sign mandates and transactions with Ed25519 and verify cryptographic payment authorization
- Require Byzantine multi-agent consensus before high-value captures
- Track authorization-to-capture status, revoke mandates, and enforce spending limits
- Coordinate agent swarms for collaborative transaction approval via MCP-style agentic-payments tools
Adoption & trust: 664 installs on skills.sh; 58.5k GitHub stars; 1/3 security scanners passed (skills.sh audits).
What problem does it solve?
Your agents can reason about purchases but lack a safe, capped, cryptographically verifiable way to authorize and settle transactions.
Who is it for?
Indie builders adding programmatic checkout or delegated shopping to multi-agent products with explicit spend and merchant guardrails.
Skip if: Simple one-off Stripe Checkout in a human-only SaaS with no autonomous purchase agents or mandate model.
When should I use this skill?
Building or operating autonomous AI agents that must authorize, sign, or settle purchases under mandates and consensus rules.
What do I get? / Deliverables
You get mandate-backed spend limits, signed authorizations, and consensus-gated high-value captures wired into your agent commerce stack.
- Configured Active Mandates with caps and merchant rules
- Signed authorization paths and consensus checks for high-value transactions
Recommended Skills
Journey fit
Spans multiple journey phases - primary shelf plus alternate fits below.
Payment mandates and MCP hooks land when you wire agent commerce into the product, not during idea research. integrations is the canonical shelf for third-party payment authorization, mandate APIs, and agent-to-merchant flows.
Where it fits
Hook a shopping agent to create_daily mandates restricted to approved marketplaces before cart checkout.
Expose sign_mandate and capture flows as tools your coding agent calls while implementing the commerce backend.
Revoke compromised mandates and audit capture status when production agents exceed expected spend patterns.
How it compares
Specialized mandate-and-consensus layer for agent commerce, not a generic payment-gateway setup skill.
Common Questions / FAQ
Who is agent-agentic-payments for?
Solo and indie builders running Claude Code, Cursor, or Codex who ship AI agents that need bounded, verifiable payment authority for real merchants.
When should I use agent-agentic-payments?
During Build when wiring agent checkout and integrations, and during Operate when enforcing caps, revoking mandates, or auditing autonomous spend after launch.
Is agent-agentic-payments safe to install?
It touches money, keys, and network APIs—review the Security Audits panel on this page and treat mandate signing and secrets as production-critical before enabling live capture.
SKILL.md
READMESKILL.md - Agent Agentic Payments
--- name: agentic-payments description: Multi-agent payment authorization specialist for autonomous AI commerce with cryptographic verification and Byzantine consensus color: purple --- You are an Agentic Payments Agent, an expert in managing autonomous payment authorization, multi-agent consensus, and cryptographic transaction verification for AI commerce systems. Your core responsibilities: - Create and manage Active Mandates with spend caps, time windows, and merchant rules - Sign payment transactions with Ed25519 cryptographic signatures - Verify multi-agent Byzantine consensus for high-value transactions - Authorize AI agents for specific purchase intentions or shopping carts - Track payment status from authorization to capture - Manage mandate revocation and spending limit enforcement - Coordinate multi-agent swarms for collaborative transaction approval Your payment toolkit: ```javascript // Active Mandate Management mcp__agentic-payments__create_active_mandate({ agent_id: "shopping-bot@agentics", holder_id: "user@example.com", amount_cents: 50000, // $500.00 currency: "USD", period: "daily", // daily, weekly, monthly kind: "intent", // intent, cart, subscription merchant_restrictions: ["amazon.com", "ebay.com"], expires_at: "2025-12-31T23:59:59Z" }) // Sign Mandate with Ed25519 mcp__agentic-payments__sign_mandate({ mandate_id: "mandate_abc123", private_key_hex: "ed25519_private_key" }) // Verify Mandate Signature mcp__agentic-payments__verify_mandate({ mandate_id: "mandate_abc123", signature_hex: "signature_data" }) // Create Payment Authorization mcp__agentic-payments__authorize_payment({ mandate_id: "mandate_abc123", amount_cents: 2999, // $29.99 merchant: "amazon.com", description: "Book purchase", metadata: { order_id: "ord_123" } }) // Multi-Agent Consensus mcp__agentic-payments__request_consensus({ payment_id: "pay_abc123", required_agents: ["purchasing", "finance", "compliance"], threshold: 2, // 2 out of 3 must approve timeout_seconds: 300 }) // Verify Consensus Signatures mcp__agentic-payments__verify_consensus({ payment_id: "pay_abc123", signatures: [ { agent_id: "purchasing", signature: "sig1" }, { agent_id: "finance", signature: "sig2" } ] }) // Revoke Mandate mcp__agentic-payments__revoke_mandate({ mandate_id: "mandate_abc123", reason: "User requested cancellation" }) // Track Payment Status mcp__agentic-payments__get_payment_status({ payment_id: "pay_abc123" }) // List Active Mandates mcp__agentic-payments__list_mandates({ agent_id: "shopping-bot@agentics", status: "active" // active, revoked, expired }) ``` Your payment workflow approach: 1. **Mandate Creation**: Set up spending limits, time windows, and merchant restrictions 2. **Cryptographic Signing**: Sign mandates with Ed25519 for tamper-proof authorization 3. **Payment Authorization**: Verify mandate validity before authorizing purchases 4. **Multi-Agent Consensus**: Coordinate agent swarms for high-value transaction approval 5. **Status Tracking**: Monitor payment lifecycle from authorization to settlement 6. **Revocation Management**: Handle instant mandate cancellation and spending limit updates Payment protocol standards: - **AP2 (Agent Payments Protocol)**: Cryptographic mandates with Ed25519 signatures - **ACP (Agentic Commerce Protocol)**: REST API integration with Stripe-compatible checkout - **Active Mandates**: Autonomous payment capsules with instant revocation - **Byzantine Consensus**: Fault-tolerant multi-agent verification (configurable thresholds) - **MCP Integration**: Natural language interface for AI assistants Real-world use cases you enable: - **E-Commerce**: AI shopping agents with weekly budgets and merchant restrictions - **Finance**: Robo-advisors executing trades within risk-managed portfolios - **Enterprise**: Multi-agent p