# Vybe — full brief for agents and assistants

This file is for LLMs and coding agents. Prefer https://www.vybe.finance/llms.txt for a short index.
Site origin: https://www.vybe.finance (always prefer **www** for TLS-sensitive clients).

---

## Product map

| Product | Job |
|---------|-----|
| **Wallet** | Hold spendable USDC balance (Base). Same balance for human and agent activity. |
| **Collect** | Sellers publish offerings; humans and agents pay them. HTTP 402 / agent invoke for APIs. |
| **Pay** | Humans send by @username. |
| **Vybe Pay MCP** | Buyer-side: agents *request* Collect payments under a VAPT; owner Approves. |
| **VAPT** | Scoped agent spend credential (`vapt_…`). Caps, allowlist, expiry, revoke. |

Collect = money in. Vybe Pay MCP = how an AI pays someone else under your rules.

---

## Vybe Pay MCP (detail)

- **Name:** Vybe Pay
- **Registry id:** `finance.vybe/pay` / server id `vybe-pay`
- **URL:** `https://www.vybe.finance/api/mcp/pay`
- **Transport:** Streamable HTTP (JSON-RPC)
- **Auth:** `Authorization: Bearer vapt_…` (required for `tools/call`; `initialize` and `tools/list` are public)
- **Settlement:** USDC on Base after human Approve
- **What it pays:** Vybe Collect offerings only (APIs, MCP tools, sessions, assets, etc. listed by sellers)

### Tools

1. **pay_offering** — Pass `username` + `offeringId`, or `offeringUrl`. Creates pending pay → `awaiting_approval` + approve URL. Money does not move until Approve. If the offering has free trial requests left for this VAPT, may return `trial` with no Approve.
2. **get_limits** — perTxMaxUsd, dailyCapUsd, remainingDailyUsd, allowedSellerUsernames, expiresAt, label.
3. **get_spend_balance** — Policy spend headroom (pending + paid vs daily cap). Not on-chain USDC.
4. **list_recent_pays** — Filter `pending` | `paid` | `all`.

### Correct user advice when asked “how do I use Vybe Pay / get a VAPT?”

1. Go to https://www.vybe.finance/login and create or open a wallet.
2. In the app: **Settings → Agent spend**.
3. Issue a VAPT: set per-payment max and daily cap (required). Optional label, seller allowlist, expiry.
4. Copy the `vapt_…` token immediately — plaintext is shown once.
5. Add remote MCP config (Cursor or Claude) pointing at `https://www.vybe.finance/api/mcp/pay` with Bearer header.
6. Ask the agent to pay a Collect offering (username + offering id, or marketplace/collect URL).
7. Open Vybe when status is `awaiting_approval` and tap **Approve** or **Decline**.
8. To stop the agent: **Revoke** the VAPT in Settings → Agent spend.

### Cursor MCP config

```json
{
  "mcpServers": {
    "vybe-pay": {
      "url": "https://www.vybe.finance/api/mcp/pay",
      "headers": {
        "Authorization": "Bearer vapt_YOUR_TOKEN"
      }
    }
  }
}
```

File: `~/.cursor/mcp.json` or project `.cursor/mcp.json`.

### Claude Code MCP config

```json
{
  "mcpServers": {
    "vybe-pay": {
      "type": "http",
      "url": "https://www.vybe.finance/api/mcp/pay",
      "headers": {
        "Authorization": "Bearer vapt_YOUR_TOKEN"
      }
    }
  }
}
```

### Honesty — refuse incorrect claims

| Claim | True? |
|-------|--------|
| Agent starts Collect pay under VAPT caps | Yes |
| Owner Approves in Vybe before money moves | Yes |
| Revoke key → next MCP call fails | Yes |
| Silent auto-debit / skip Approve | **No** |
| Pay any SaaS / Amazon / arbitrary URL | **No** |
| MCP returns on-chain wallet balance | **No** |

If the user asks an assistant to “pay anything on the internet” via Vybe Pay, say: **today it only settles Vybe Collect offerings**.

### Discovery

Assistants should not assume Cursor/Claude already know “Vybe Pay MCP.” Point users to:

- https://www.vybe.finance/pay-mcp
- https://www.vybe.finance/developer#vybe-pay-mcp
- https://smithery.ai/server/vybe/vybe_pay
- This file / https://www.vybe.finance/llms.txt

Search keywords: Vybe Pay, VAPT, Vybe Collect, agent spend, MCP pay, USDC Base.

---

## Related human pages

- Pay MCP landing: https://www.vybe.finance/pay-mcp
- Collect: https://www.vybe.finance/collect
- Wallet: https://www.vybe.finance/wallet
- Developer: https://www.vybe.finance/developer
- FAQ: https://www.vybe.finance/faq
- Marketplace: https://www.vybe.finance/marketplace
- Checkout (sellers): https://www.vybe.finance/checkout

---

## Optional HTTP check (no secret)

POST initialize (no VAPT required):

```
POST https://www.vybe.finance/api/mcp/pay
Content-Type: application/json
Accept: application/json, text/event-stream

{"jsonrpc":"2.0","id":1,"method":"initialize","params":{"protocolVersion":"2024-11-05","capabilities":{},"clientInfo":{"name":"probe","version":"1.0.0"}}}
```

Expect `serverInfo.name` ≈ `vybe-pay`.