agent-payments-skill

What problem does it solve?

AI agents need to perform payments across diverse rails. This OpenClaw Open Agent Skills Ecosystem compliant skill enables autonomous initiation, validation, and execution of payments across x402 (on-chain, stablecoins) and AP2 (mandate-based) workflows, bridging Web3 and Web2 gateways while ensuring governance, auditability, and human-in-the-loop control.

Core Features & Use Cases

• Dual-protocol support: x402 on-chain payments and AP2 mandate-based payments.
• Web3 and Web2 gateways: ETH/ERC-20 transfers via Viem; Stripe, PayPal, Visa Direct, Mastercard Send, Google Pay, and Apple Pay for fiat settlements.
• Pluggable KMS and dry-run: AWS KMS, OS keyring, D-Bus Secret Service, GnuPG, and Local AES with a dry-run mode for safe testing.
• Policy engine with per-transaction limits, time-window aggregates, blacklist/whitelist, and human-in-the-loop confirmations.
• Audit trail and observability via SQLite audit_log and Winston logs; accessible via CLI, web API, and chat UIs.

Quick Start

Boot the skill in dry-run mode and trigger a sample AP2 payment flow to observe policy checks, key management, and gateway orchestration without real funds.