PayCheck

Decide whether an autonomous agent should pay a merchant, host, or wallet. PayCheck returns a deterministic trust score for one target. It does not send money, does not sign transactions, and does not hold wallet keys. Use this immediately before a payment, a checkout redirect, or a transfer to a new 0x address. Pass the payee as a bare domain (api.openai.com), an https URL, or a 0x address with 40 hex characters. Do not use this tool to execute a payment. Do not use it to overturn a block. Do not call it again with a reworded category, purpose, or amount to fish for a better verdict: those fields are ignored and are not stored. Trusted is returned only for the published allowlist of known AI and developer APIs, served over https on port 443. A new or random domain is never trusted. A wallet is never trusted. Scoring v1 does not analyze on-chain history. If the URL contains an embedded 0x address, this scores the host only and will not return trusted; pass the bare address to score the wallet. Arguments: target (required string); amount_usd (optional number, ignored); category (optional string, ignored); api_key (optional pc_live_ key). You may also send Authorization: Bearer or X-API-Key. Omit the key for the anonymous allowance. Returns: score (integer 0-100), verdict (trusted | unknown | suspicious | block), reasons[], recommended_action (proceed | verify_out_of_band | require_human_review | do_not_pay), signals (host, allowlist, domain age, wallet flags, reason_codes; chain_analysis is always not_in_v1), checked_at (ISO-8601), policy_version ("1"). Free tier: 100 checks per UTC day anonymous, 1,000 per UTC day with a free pc_live_ key or a Toolweather bundle client whose x-tw-bundle-client is hex. A bundle client prefixed anon: stays at 100 per day. The same target for the same caller is idempotent for 60 seconds and does not consume a second check. Over the daily cap, each extra check is $0.001 USDC on Base (eip155:8453) via x402 and the PayAI facilitator. get_quota, get_api_key, docs, and MCP discovery are not billed. If PAY_TO is unset, an over-cap check returns HTTP 402 payment_not_configured.

Mint one free PayCheck API key. The key looks like pc_live_ followed by hex and raises the merchant-check allowance from 100 to 1,000 per UTC day. Use this once when you set up a long-running agent, then store the key and pass it on later check_merchant or get_quota calls. The plaintext key is returned only in this response. PayCheck stores a SHA-256 hash. Do not call this every turn. Do not call it to score a payee or to dodge a block verdict. Minting is free and is not an x402 check, and it is limited to 10 new keys per caller IP per UTC day. A new key does not change any merchant score. Checks above the free daily cap still cost $0.001 USDC on Base via x402. Returns: api_key, token_type (bearer), daily_limit (1000), prefix, note.

Show how many free PayCheck merchant checks the current caller has left for the current UTC day. Use this before a batch of check_merchant calls, or after an HTTP 402, to read the remaining free allowance and when it resets. Do not use this to score a payee. It accepts no target and it does not consume a check. Do not pay x402 for this tool. It is always free. Identity matches check_merchant. Anonymous IP: 100/day. pc_live_ api_key (api_key argument, Authorization: Bearer, or X-API-Key): 1,000/day. Toolweather bundle headers x-tw-bundle-secret and x-tw-bundle-client: hex client 1,000/day, anon: prefix 100/day, any other client id 100/day. Returns: subject_kind, limit, used, remaining, resets_at (next UTC midnight, ISO-8601), billed (always false), policy_version. No x402 charge.