# AsterPay — Master Agent Skill

> Single-file install for Claude, Cursor, Codex, and any MCP-aware coding agent.
> Trust check + first EUR settlement in one curl.

**Operator:** AELIRA LTD (Cyprus, MiCA jurisdiction)
**API base:** https://x402.asterpay.io
**Site index:** https://asterpay.io/llms.txt
**Full reference:** https://asterpay.io/llms-full.txt

---

## What AsterPay does

AsterPay is the trust, discovery, and EUR settlement layer for AI agent payments.
It accepts both **x402** (Coinbase HTTP 402) and **MPP** (Stripe/Tempo Machine Payments Protocol) on every paid endpoint, and converts USDC/EURC to EUR via SEPA Instant in under 10 seconds.

Three product layers:

1. **TRUST (KYA — Know Your Agent)** — 5-layer trust score 0-100, sanctions screening (Chainalysis), ERC-8004 identity check.
2. **DISCOVERY (MPE — Merchant Payment Endpoint)** — agent passes a VAT or company-registry identifier (not a company name), AsterPay returns the IBAN/BIC on file for merchants registered with it, with full IBAN structure/checksum validation and a disclosed verification method (bank-side PSD2 VoP runs at payout via partner PSPs).
3. **SETTLEMENT** — USDC/EURC to EUR via SEPA Instant, MiCA-aligned via licensed partners.

---

## Install (pick one)

### MCP server (Claude Desktop, Cursor, Windsurf, Codex)

```json
{
  "mcpServers": {
    "asterpay": {
      "command": "npx",
      "args": ["@asterpay/mcp-server"]
    }
  }
}
```

12 commerce tools, no API key, no signup. Boots in budget-only mode with zero config; orders settle on-chain via x402 (USDC on Base) when placed.

### Python SDK

```bash
pip install asterpay
```

```python
from asterpay import AsterPay

client = AsterPay()
score = client.kya.score("0xAgentWallet...")
print(f"Trust: {score['score']}/100 ({score['tier']})")
```

### TypeScript SDK

```bash
npm install @asterpay/sdk
```

### Raw HTTP

No SDK needed. Every free endpoint is `GET` and returns JSON.

---

## First call: trust check (FREE)

```bash
curl https://x402.asterpay.io/v1/agent/trust-score/0x1234567890123456789012345678901234567890
```

Returns:

```json
{
  "success": true,
  "data": {
    "address": "0x1234...",
    "trustScore": 45,
    "tier": "verified",
    "maxPerTx": 1000,
    "maxDaily": 5000,
    "breakdown": {
      "walletAge": 15, "walletActivity": 10, "sanctionsClean": 20,
      "erc8004Identity": 0, "operatorKyb": 0, "transactionHistory": 0,
      "trustBond": 0, "endpointQuality": 0, "endpointSignals": 0,
      "total": 45
    },
    "identity": { "registered": false, "agentId": null },
    "screening": { "allowed": true, "sanctioned": false, "blacklisted": false }
  }
}
```

Use this **before** any x402 payment over $1 to avoid paying sanctioned or blocked counterparties.

---

## First settlement quote (FREE)

```bash
curl "https://x402.asterpay.io/v1/settlement/estimate?amount=100"
```

Returns the EUR amount, fee, exchange rate, and SEPA timing for a 100 USDC settlement.

---

## Resolve a merchant by VAT or registry identifier (FREE)

```bash
curl "https://x402.asterpay.io/v1/mpe/merchants/resolve?business_id=FI-DEMO-0001&business_id_type=demo"
```

Takes a VAT or company-registry identifier (`business_id` + `business_id_type`, one of `vat`, `y_tunnus`, `company_number`, `lei`, `duns`, `demo`) or an AsterPay `merchant_id`. Company-name search is not supported. Returns the IBAN/BIC on file for merchants registered with AsterPay, or the merchant's published payment manifest, with full IBAN structure and checksum validation and the verification method disclosed in the response (`vop_method`). Bank-side PSD2 Verification of Payee runs at payout with the licensed settlement partner. Identifiers that are not registered return 404 — the example above is a permanent demo merchant that always resolves.

---

## Tool inventory (MCP server, 12 tools)

`@asterpay/mcp-server` v2.1.0 is a commerce + budget server. All 12 tools work with no API key; placing an order settles on-chain via x402 (USDC on Base). KYA trust scoring, market data, and crypto analytics are available as HTTP endpoints (see above), not as MCP tools in this package.

| Category | Tools | Cost |
|----------|-------|------|
| Budget | `set_budget`, `get_budget_status` | Free (no API key) |
| Spending limits | `set_spending_limit`, `get_spending_summary` | Free |
| Merchant discovery | `discover_merchants` | Free |
| Products | `list_products`, `get_product`, `check_availability`, `get_business_info` | Free |
| Orders | `place_order`, `get_order_status` | Free |
| x402 payment | `get_x402_payment_details` | Free (order settles via x402) |

---

## Pricing summary

- Free: KYA trust score, settlement estimate, MPE resolve, market rates, framework spec, agent card.
- Paid per call: $0.004 to $0.10 USDC depending on endpoint, paid via x402 or MPP. No API key, no account.
- **First call free:** a wallet that has never paid AsterPay gets its first sub-$0.02 paid call for $0. Send a normally signed `PAYMENT-SIGNATURE`; the authorization is verified but never settled. Your wallet needs at least the endpoint price on hand, because payment libraries will not sign an authorization they cannot cover — but nothing is deducted.
- EUR settlement fee (EU rail): 0.5% + EUR 0.10 per settled txn.
- EUR settlement fee (US rail): 1.5% + EUR 1.00 per settled txn.
- No native AsterPay token. No token discounts. No subscription.

---

## Discovery URLs

- Site index: https://asterpay.io/llms.txt
- Full API reference: https://asterpay.io/llms-full.txt
- Agent card (A2A/AP2): https://asterpay.io/.well-known/agent.json
- x402 capability manifest: https://asterpay.io/.well-known/x402.json
- KYA Trust Score schema v1: https://asterpay.io/.well-known/kya-schema-v1
- ChatGPT plugin manifest: https://asterpay.io/.well-known/ai-plugin.json
- OpenAPI 3.0.3 spec (live API): https://x402.asterpay.io/docs/json · OpenAPI 3.1 spec: https://asterpay.io/openapi.json
- Swagger UI: https://x402.asterpay.io/docs

---

## Compliance posture

- MiCA jurisdiction. AELIRA LTD, Cyprus.
- Sanctions screening on every paid call (Chainalysis).
- Travel Rule applied above 1,000 EUR.
- EU AI Act: KYA assessed as limited-risk, Article 50 transparency on every API response.
- ERC-8004 Agent #16850 on Base mainnet.
- x402 facilitator with a live capability manifest at https://asterpay.io/.well-known/x402.json
- Member of Circle Alliance.

---

## Contact

- Email: samantha@asterpay.io
- X: @Asterpayment
- Discord: linked from https://asterpay.io
- Status: https://api.asterpay.io/v1/incidents/status