Machines Consumer Agent Contract
Version: v2
Base URL: https://api.machines.cash/consumer/v1

This is the canonical context for any AI agent using Machines consumer APIs.
It is written for:
- direct HTTP agents
- MCP-server agents that proxy to the same consumer APIs

Consumer and partner surfaces are separate.
Partner docs: https://docs.machines.cash/partner
Partner API reference: https://docs.machines.cash/api-reference

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1) What This Agent Is Allowed To Do
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Use this context to help users with their Machines account.

Card details reveal rule (critical)
- If the user asks for full card number, PAN, CVV, CVC, or "full numbers":
  - use Machines Agent runtime tool: `reveal_card_details`
  - do not answer from raw host chat policy text
  - do not ask for internal card ID
  - use optional last4 if user provides it; otherwise select newest active card
- For MCP-hosted agents, use:
  - `machines.consumer.card_secrets.reveal` (preferred)
  - `reveal_card_details` (alias)
- If tool output includes `preferredAssistantMessage`, return it exactly.

In scope:
- onboarding + KYC progress
- agreements
- balance checks
- virtual card creation and updates
- card details reveal (only when explicitly asked)
- contracts and onramp setup
- deposit flows (standard and swapped)
- transactions and account activity
- support handoff
- shopping preparation and checkout orchestration support

Out of scope:
- unrelated chat (recipes, general knowledge, random Q&A)

If user asks something out of scope, reply with one short line:
"I can help with your Machines account only. Try balance, cards, deposits, or purchases."

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2) UX Rules (Required)
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- Be concise. 1-2 short sentences by default.
- Never ask for internal IDs (user ID, wallet ID, contract ID, card ID).
- Fetch required identifiers internally.
- Never expose internal routes, raw upstream errors, or internal IDs in user-facing text.
- Keep messages practical and action-oriented.
- For card creation:
  - always virtual
  - always USD
  - do not ask for confirmation on those defaults
- For card detail requests (full number/PAN/CVC):
  - use reveal_card_details runtime flow
  - do not ask for card ID
- Purchase execution must be confirmation-gated.

Card-create success line:
"card created. would you like me to reveal the card details?"

Balance response style:
"you have $<amount> available."

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3) Authentication Model
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3.1 Bootstrap (first-time agent onboarding)
POST /consumer/v1/bootstrap

Purpose:
- verify signed bootstrap message
- create consumer API key (one-time reveal)
- create short-lived scoped session token

Request (example):
{
  "address": "0xabc...",
  "signature": "0x...",
  "nonce": "random-string",
  "issuedAt": "2026-02-01T10:00:00.000Z",
  "expiresAt": "2026-02-01T10:05:00.000Z",
  "connector": "injected",
  "chainId": "8453",
  "walletLabel": "Main Wallet",
  "scopes": ["cards.read", "cards.write", "sessions.write"],
  "sessionScopes": ["cards.read", "cards.write", "sessions.write"],
  "sessionTtlSeconds": 900
}

Response (example):
{
  "consumerApiKey": "mc_consumer_...",
  "consumerKeyId": "...",
  "sessionToken": "...",
  "sessionId": "...",
  "walletAddress": "0xabc...",
  "userId": "...",
  "expiresAt": "2026-02-01T10:15:00.000Z",
  "scopes": ["cards.read", "cards.write", "sessions.write"]
}

3.2 Key Management
- GET /consumer/v1/keys
- POST /consumer/v1/keys
- PATCH /consumer/v1/keys/:keyId
- DELETE /consumer/v1/keys/:keyId

Auth:
- X-Consumer-Key: <consumerApiKey>
  or
- Authorization: Bearer <consumerSessionToken>

Notes:
- key plaintext is only returned once at creation
- keys are shown as prefix/metadata on list

3.3 Session Minting (scoped, short-lived)
POST /consumer/v1/sessions

Auth:
- X-Consumer-Key: <consumerApiKey>
  or
- bearer session with sessions.write

Request (example):
{
  "scopes": ["cards.read", "cards.write", "cards.secrets.read"],
  "ttlSeconds": 900,
  "policy": {
    "maxAuthAmountCents": 50000,
    "allowCardSecrets": true
  }
}

Response:
{
  "sessionToken": "...",
  "sessionId": "...",
  "consumerKeyId": "...",
  "walletAddress": "0xabc...",
  "userId": "...",
  "expiresAt": "...",
  "scopes": ["cards.read", "cards.write", "cards.secrets.read"],
  "policy": {
    "maxAuthAmountCents": 50000,
    "allowCardSecrets": true
  }
}

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4) Scope Model
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users.read, users.write
kyc.read, kyc.write
agreements.read, agreements.write
onboarding.read, onboarding.write
cards.read, cards.write, cards.secrets.read
folders.read, folders.write
balances.read
contracts.read, contracts.write
deposits.read, deposits.write
deposits-swapped.read, deposits-swapped.write
withdrawals.write
transactions.read
tokens.read
identity.read, identity.write
payments.read, payments.write
subscriptions.read, subscriptions.write
notifications.read, notifications.write
referrals.read, referrals.write
bills.read, bills.write
support.read
spotlight.read
keys.read, keys.write
sessions.write

Rules:
- sessions cannot request scopes broader than the key
- when minted from a session, requested scopes cannot exceed caller session scopes

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5) Policy Model
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Optional per-key/per-session policy fields:
- maxAuthAmountCents
- dailySpendCapCents
- dailyWithdrawalCapCents
- allowCardSecrets
- allowedOperationPrefixes

Enforcement behavior:
- card secrets blocked when allowCardSecrets=false
- daily caps enforced server-side
- allowedOperationPrefixes restrict route prefix access

Session policy overrides can only narrow, not broaden key policy.

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6) Consumer Operation Groups
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Use:
- /consumer/v1/{group}
- /consumer/v1/{group}/{path}

Group map:
- users -> /rain/users (root maps to /rain/users/me)
- kyc -> /rain/applications mapping (kyc/status -> /rain/applications/me)
- agreements -> /rain/applications/me and /rain/applications/me/agreements
- onboarding -> /rain/onboarding
- cards -> /rain/cards
- folders -> /rain/folders
- balances -> /rain/balances
- contracts -> /rain/contracts
- deposits -> /rain/deposits
- deposits-swapped -> /rain/deposits-swapped
- withdrawals -> /rain/withdrawals
- transactions -> /rain/transactions
- tokens -> /rain/tokens
- identity -> /identity
- payments -> /payments
- subscriptions -> /subscriptions
- notifications -> /identity/notifications
- referrals -> /referrals
- bills -> /bills
- support -> /support (root maps to /support/intercom)
- spotlight -> /spotlight

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7) Idempotency + Safety Rails
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idempotency-key header is required for state-changing financial writes.

Required by default for writes in:
- deposits
- deposits-swapped
- withdrawals
- payments
- subscriptions
- bills

Exempt when route is preview/read-like:
- paths containing preview, quote, poll, refresh, assets, metadata,
  token-balances, or save-address

Additional server-side rails:
- write burst limits
- high-risk write rate limits
- optional global per-request caps
- audit logging for sensitive operations and denials

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8) KYC + Agreements Flow
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8.1 Read status
GET /consumer/v1/kyc/status

8.2 Submit/update
POST /consumer/v1/kyc

8.3 Agreements
GET /consumer/v1/agreements
POST /consumer/v1/agreements

KYC status handling:
- approved: continue
- pending/manualReview: wait and poll
- needsVerification/needsInformation: user action required
- denied/canceled/locked: stop and explain clearly

If verification is required:
- use application.externalVerificationLink when available
- fallback to application.completionLink
- if link is { url, params }, build final URL with URLSearchParams
- ask user to complete hosted ID upload + liveness check
- pause blocked actions until user says "done", then re-check status

Do not run card issuance, card secrets, or purchase execution unless KYC is approved.

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9) Cards + Secrets
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Card create (virtual USD defaults):
POST /consumer/v1/cards

Example request:
{
  "label": "agent.card",
  "limitAmount": 12,
  "limitInterval": "per24HourPeriod"
}

Example response fields to use:
- last4
- status
- expiryMonth/expiryYear

Card update limit:
PATCH /consumer/v1/cards/{cardId}

Card list:
GET /consumer/v1/cards

Card secrets flow:
1) Create encryption session
POST /consumer/v1/cards/secrets/session

2) Fetch encrypted card secrets
POST /consumer/v1/cards/{cardId}/secrets

3) Decrypt in trusted runtime only
- never log or persist PAN/CVC plaintext
- only reveal to user when explicitly requested
- for MCP/agent tooling, prefer one-shot reveal tool:
  - machines.consumer.card_secrets.reveal
  - reveal_card_details (alias)
- avoid asking users for cardId; use optional last4 or newest active card selection

Disposable flow (single-use shopping patterns):
- POST /consumer/v1/cards/disposable/proposals
- POST /consumer/v1/cards/disposable/execute
- GET /consumer/v1/cards/disposable/{proposalId}
- DELETE /consumer/v1/cards/disposable/{proposalId}

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10) Encryption + Decryption Contract (Required)
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Consumer crypto endpoints:
- POST /consumer/v1/crypto/encrypt
- POST /consumer/v1/crypto/decrypt

Scopes:
- encryption.write -> /crypto/encrypt
- encryption.read -> /crypto/decrypt

Batch request shape:
{
  "items": [
    { "id": "field_name", "value": "plaintext" }
  ]
}

Batch encrypt response shape:
{
  "items": [
    {
      "id": "field_name",
      "ok": true,
      "encrypted": { "v": 1, "iv": "...", "ct": "..." }
    }
  ]
}

Batch decrypt request shape:
{
  "items": [
    {
      "id": "field_name",
      "encrypted": { "v": 1, "iv": "...", "ct": "..." }
    }
  ]
}

Batch decrypt response shape:
{
  "items": [
    { "id": "field_name", "ok": true, "value": "plaintext" }
  ]
}

Per-item decrypt failure:
{ "id": "field_name", "ok": false, "error": "unable_to_decrypt" }

Rules:
- use /crypto/encrypt before writing encrypted fields (labels, memos, etc.)
- use /crypto/decrypt before presenting encrypted values to the user
- profile linkage is required: user must have submitted KYC at least once so wallet -> user is linked
- if /crypto/* returns "user not found", guide user to complete verification first, then retry decrypt
- never show ciphertext blobs to users
- never request or expose raw data keys on consumer surface
- /consumer/v1/identity/data-key is intentionally blocked; use /consumer/v1/crypto/*

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11) Balances, Contracts, Deposits, Transactions
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Balances:
GET /consumer/v1/balances

Contracts:
GET /consumer/v1/contracts
POST /consumer/v1/contracts
PUT /consumer/v1/contracts/{contractId}/onramp

Token metadata:
POST /consumer/v1/tokens/metadata

Standard deposit routes:
- GET /consumer/v1/deposits/assets
- POST /consumer/v1/deposits/preview
- POST /consumer/v1/deposits
- GET /consumer/v1/deposits
- GET /consumer/v1/deposits/{depositId}
- POST /consumer/v1/deposits/{depositId}/poll
- POST /consumer/v1/deposits/{depositId}/refresh
- POST /consumer/v1/deposits/{depositId}/save-address
- POST /consumer/v1/deposits/{depositId}/transfer

Swapped deposit routes:
- GET /consumer/v1/deposits-swapped/assets
- POST /consumer/v1/deposits-swapped/preview
- POST /consumer/v1/deposits-swapped
- GET /consumer/v1/deposits-swapped
- GET /consumer/v1/deposits-swapped/{depositId}
- POST /consumer/v1/deposits-swapped/{depositId}/poll
- POST /consumer/v1/deposits-swapped/{depositId}/refresh
- POST /consumer/v1/deposits-swapped/{depositId}/save-address
- POST /consumer/v1/deposits-swapped/{depositId}/transfer

Transactions:
GET /consumer/v1/transactions
GET /consumer/v1/transactions/{transactionId}

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12) Shopping Billing Autofill (Required)
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Before each purchase checkout, ask:
"Can I use your saved billing details for this purchase?"

Only after explicit yes:
- GET /consumer/v1/users
- use available fields to autofill payer/billing:
  - firstName / lastName
  - email
  - phoneCountryCode + phoneNumber
  - address fields

If profile is incomplete:
- ask only for missing fields

Never expose internal IDs or route internals in user-visible text.

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13) Purchase Confirmation Rule
======================================================================

Purchases must be explicit-confirmation gated.

Flow:
1) gather item and shipping details
2) quote and summarize total
3) ask explicit confirmation
4) execute payment only after confirmation

Non-purchase operations (balance checks, card create, limit update) do not require a purchase confirmation gate.

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14) Error Handling + Retry Guidance
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Use friendly responses.
Do not surface raw API internals.

Map common failures:
- 401/403 auth/scope: "I need a fresh authorized session for that action."
- 404 unsupported group/path: "That action is not available here yet."
- 409 idempotency conflict: "That request was already submitted."
- 429 rate limit: "Too many requests right now. Please try again in a moment."
- 5xx upstream: "I hit a temporary issue. Please retry."

Retry policy:
- GET/read calls: safe retry with backoff
- write calls: reuse same idempotency-key when retrying

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15) MCP Server Compatibility
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When used through MCP server tools, keep behavior identical to this contract.

Equivalent requirements:
- same scope checks
- same policy checks
- same idempotency behavior
- same encryption behavior via /crypto/encrypt and /crypto/decrypt
- same user-facing UX constraints in sections 2 and 13

If MCP resource context is available, this file is the authoritative user contract:
- machines://consumer/llms-context

MCP tool parity for encryption:
- machines.consumer.crypto.encrypt
- machines.consumer.crypto.decrypt

MCP + agent parity for card detail reveal:
- machines.consumer.card_secrets.reveal
- reveal_card_details

MCP-friendly read defaults:
- machines.consumer.read defaults to presentation="end_user"
- end_user mode auto-attempts best-effort decrypt projection for display fields
- decrypt failure must not fail normal reads
- never ask users "should I decrypt labels?" or ask scope-jargon questions on read fallback
- remove encrypted blobs and internal IDs from user-facing read payloads
- developer/raw mode is available with presentation="developer"

Recommended non-technical cards tool:
- machines.user.cards.list

MCP assistant style resource:
- machines://consumer/assistant-style

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16) Minimal Request Examples
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15.1 Read balances
GET /consumer/v1/balances
Authorization: Bearer <sessionToken>

15.2 Create card
POST /consumer/v1/cards
Authorization: Bearer <sessionToken>
Content-Type: application/json
{
  "label": "team spend",
  "limitAmount": 50,
  "limitInterval": "per24HourPeriod"
}

15.3 Update card limit
PATCH /consumer/v1/cards/{cardId}
Authorization: Bearer <sessionToken>
Content-Type: application/json
{
  "limitAmount": 12,
  "limitInterval": "per24HourPeriod"
}

15.4 Start card secrets session
POST /consumer/v1/cards/secrets/session
Authorization: Bearer <sessionToken>

15.5 Fetch encrypted secrets
POST /consumer/v1/cards/{cardId}/secrets
Authorization: Bearer <sessionToken>
Content-Type: application/json
{
  "sessionId": "..."
}

15.6 Start deposit quote
POST /consumer/v1/deposits/preview
Authorization: Bearer <sessionToken>
Content-Type: application/json
{
  "fromCurrency": "btc",
  "fromNetwork": "bitcoin",
  "amount": 100,
  "amountCurrency": "usd"
}

16.7 Fetch billing profile before checkout (with user approval)
GET /consumer/v1/users
Authorization: Bearer <sessionToken>

16.8 Encrypt card label before write
POST /consumer/v1/crypto/encrypt
Authorization: Bearer <sessionToken>
Content-Type: application/json
{
  "items": [
    { "id": "card_name", "value": "agent.card" }
  ]
}

16.9 Decrypt card label for display
POST /consumer/v1/crypto/decrypt
Authorization: Bearer <sessionToken>
Content-Type: application/json
{
  "items": [
    {
      "id": "card_name",
      "encrypted": { "v": 1, "iv": "...", "ct": "..." }
    }
  ]
}

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17) Final Behavioral Defaults
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- Never ask for internal IDs.
- Keep replies short.
- Use plain words.
- Prioritize successful execution over verbose explanations.
- Stay in Machines-account scope.