{
  "protocolVersion": "1.0",
  "schemaVersion": "1.0",
  "protocol": "a2a-v1",
  "name": "XPayr Non-Custodial Crypto Commerce & Payment Agent",
  "description": "Official XPayr Agent2Agent (A2A) commerce endpoint enabling autonomous AI agents, orchestrators, and merchant systems to quote 0.5% non-custodial crypto splits, create multi-chain USDT/USDC checkout sessions, negotiate HTTP 402 API paywalls, enforce spend guardrails, and verify offline ES256 wallet licenses.",
  "url": "https://xpayr.com/api/mcp",
  "documentationUrl": "https://xpayr.com/agent-commerce",
  "version": "1.0.0",
  "updatedAt": "2026-11-11T17:15:00Z",
  "provider": {
    "organization": "XPayr",
    "url": "https://xpayr.com",
    "portalUrl": "https://mcp.xpayr.com/",
    "apiDocsUrl": "https://api-docs.xpayr.com/",
    "githubUrl": "https://github.com/xpayrcom",
    "custodyModel": "100% non-custodial wallet-to-wallet settlement (99.5% merchant / 0.5% XPayr gateway fee)"
  },
  "capabilities": {
    "streaming": true,
    "pushNotifications": true,
    "stateTransitionHistory": true,
    "mcpJsonRpc": true,
    "http402Paywalls": true,
    "es256OfflineEntitlements": true
  },
  "authentication": {
    "schemes": ["Bearer"],
    "credentialsUrl": "https://xpayr.com/merchant/register",
    "publicToolsRequireAuth": false,
    "notes": "Read-only fee math, supported network discovery, and schema inspection work without authentication. Session creation and policy mutations require Bearer sk_test_... or sk_live_... merchant API keys."
  },
  "defaultInputModes": ["application/json", "text/plain"],
  "defaultOutputModes": ["application/json", "text/markdown"],
  "protocols": {
    "a2aCard": "https://xpayr.com/.well-known/agent.json",
    "mcpManifest": "https://xpayr.com/.well-known/mcp.json",
    "remoteMcpEndpoint": "https://xpayr.com/api/mcp",
    "agentsWorkflowSpec": "https://xpayr.com/.well-known/agents.json",
    "x402PaywallSpec": "https://xpayr.com/.well-known/x402.json",
    "openApi31Spec": "https://xpayr.com/.well-known/openapi.json",
    "jwksPublicKeys": "https://xpayr.com/.well-known/jwks.json",
    "anthropicMcpRegistryId": "io.github.xpayrcom/xpayr-mcp-server",
    "npmPackage": "@xpayr/mcp-server@1.0.0"
  },
  "skills": [
    {
      "id": "create_multichain_checkout",
      "name": "Create Multi-Chain Crypto Checkout Session",
      "description": "Generate hosted or Dual Checkout (Web3 1-Click + Exchange QR) sessions across TRON TRC-20 USDT, Base, Arbitrum, Polygon, BNB Chain, Solana, Ethereum, and Circle Arc with a flat 0.5% fee.",
      "tags": ["payments", "checkout", "usdt", "usdc", "non-custodial"],
      "examples": [
        "Create a $49.90 USDT checkout session on TRON mainnet for order ORD-2048",
        "Generate a multi-chain USDC invoice link on Base with webhook callback"
      ]
    },
    {
      "id": "enforce_agent_spend_policy",
      "name": "Evaluate & Enforce AI Agent Spend Guardrails",
      "description": "Configure per-transaction limits, daily cumulative USD caps, chain/token whitelists, and human-in-the-loop approval thresholds for autonomous agent wallets.",
      "tags": ["guardrails", "policy", "security", "agent-commerce"],
      "examples": [
        "Set auto-approval threshold to $25 USD and daily cap to $250 USD on Base and Solana",
        "Check whether an $80 API compute payment requires human merchant approval"
      ]
    },
    {
      "id": "negotiate_x402_paywall",
      "name": "HTTP 402 Payment Required Challenge & Entitlement Verification",
      "description": "Fulfill HTTP 402 API paywall challenges and verify ES256 JWT access tokens offline against https://xpayr.com/.well-known/jwks.json.",
      "tags": ["x402", "http-402", "api-monetization", "jwks", "es256"],
      "examples": [
        "Inspect HTTP 402 challenge parameters and mint an ES256 entitlement token upon settlement"
      ]
    },
    {
      "id": "calculate_fee_and_tolerance",
      "name": "Deterministic 0.5% Split & Underpayment Tolerance Calculator",
      "description": "Compute exact 99.5% merchant net payout, 0.5% (50 bps) gateway fee, network gas boundaries, and 1% (max $0.50) exchange withdrawal tolerance.",
      "tags": ["pricing", "calculator", "reconciliation", "underpayment-tolerance"],
      "examples": [
        "Calculate net merchant settlement on a $1,000 USDC invoice",
        "Simulate whether a $99.60 Binance TRC-20 withdrawal clears a $100.00 invoice"
      ]
    },
    {
      "id": "issue_wallet_software_license",
      "name": "Issue & Verify Wallet-Bound ES256 Software Licenses",
      "description": "Issue cryptographic software, SaaS, and browser-extension entitlements bound to the buyer wallet address via @xpayr/extension-kit.",
      "tags": ["licensing", "saas", "es256", "jwt"],
      "examples": [
        "Issue a 1-year Pro license JWT bound to EVM wallet 0x71C...89A"
      ]
    }
  ]
}