PayMe - Crypto Payments Skill

PayMe provides gasless USDC/USDT payments through ERC-4337 smart wallets on Base, Arbitrum, Polygon, BNB Chain, and Avalanche.

API Base URL: https://payme.feedom.tech

Installation

Copy this skill folder into your agent's skills directory:

• Codex: ~/.codex/skills/payme/
• Cursor: ~/.cursor/skills/payme/

Getting a PayMe Account

If the user does not have a PayMe account yet, they need to create one first:

1. Open the PayMe Telegram bot: @veedombot
2. Send /start to create a wallet
3. Set a PIN with /setpin
4. Use the resulting username and PIN to connect below

Alternatively, sign up at payme.feedom.tech.

Setup (one-time)

Connect the user's PayMe account to get an agent token:

curl -X POST https://payme.feedom.tech/api/agent/connect \
  -H "Content-Type: application/json" \
  -d '{"identifier": "USERNAME_OR_ADDRESS", "pin": "USER_PIN"}'

Alternatively, restore by master private key: {"masterPrivateKey": "0x..."}.

The response contains an agentToken. Store it and use it as Authorization: Bearer <agentToken> on all subsequent requests. Tokens last 90 days.

Available Actions

All endpoints use base URL https://payme.feedom.tech and require Authorization: Bearer <agentToken>.

Check Balances

GET /api/agent/balances

Returns total USDC/USDT across all chains plus per-chain breakdown.

Send Payment (two-step)

Step 1 — Prepare:

POST /api/agent/send
{ "recipient": "username, email, or 0x address", "amount": "10", "token": "USDC" }

Returns a confirmationId and a preview with fee breakdown. Always show the preview to the user before confirming.

Step 2 — Confirm:

POST /api/agent/confirm
{ "confirmationId": "uuid-from-step-1" }

Returns txHash on success. Confirmations expire after 5 minutes.

View Transaction History

GET /api/agent/history?limit=20

Manage Contacts

GET /api/agent/contacts
POST /api/agent/contacts  { "name": "Alice", "address": "0x..." }
DELETE /api/agent/contacts/:name

Wallet Info

GET /api/agent/wallet

Returns kernel address, supported chains, and supported tokens.

Revoke Token

POST /api/agent/revoke

Revokes the current agent token immediately.

Sell Crypto for Naira (P2P)

Convert USDC/USDT to Nigerian naira. Your crypto goes into escrow, a vendor sends naira to your bank, you confirm receipt, escrow releases to vendor.

1. Save bank account (one-time)

POST /api/agent/p2p/bank-accounts
{ "bankName": "GTBank", "accountNumber": "0123456789", "accountName": "John Doe" }

List saved accounts: GET /api/agent/p2p/bank-accounts

2. Check rates

GET /api/agent/p2p/rates?token=USDC&currency=NGN

Returns vendor rates sorted by best rate. Each entry includes vendorId, vendorName, rate (NGN per USD), avgRating, and order limits.

3. Sell (create order)

Before calling this endpoint, always compute and show the user a preview: amount x rate = naira they'll receive. Get explicit approval.

POST /api/agent/p2p/sell
{ "token": "USDC", "amount": 50, "bankAccountId": 1 }

Optionally pass vendorId to pick a specific vendor; otherwise the best available vendor is auto-selected. This locks crypto in escrow immediately.

4. Track order

GET /api/agent/p2p/orders/:id

Poll this endpoint to check status. Key statuses:

• escrow_locked — waiting for vendor to accept
• accepted — vendor accepted, will send naira soon
• fiat_sent — vendor says naira was sent, check your bank
• completed — you confirmed, escrow released
• disputed — dispute opened, admin reviewing

5. Confirm naira received

Once the user confirms money arrived in their bank:

POST /api/agent/p2p/orders/:id/confirm

This releases escrow to the vendor. Irreversible.

6. Dispute (if needed)

If naira was not received or something is wrong:

POST /api/agent/p2p/orders/:id/dispute
{ "reason": "Vendor marked paid but naira not received after 1 hour" }

This cancels auto-release and triggers admin investigation.

7. Rate vendor (optional)

POST /api/agent/p2p/orders/:id/rate
{ "rating": 5, "comment": "Fast payment" }

Security & Token Handling

• Prefer PIN login over master private key. Use {"identifier": "...", "pin": "..."} for /api/agent/connect. Only use masterPrivateKey if the user explicitly provides it and understands the risk.
• Store the agent token securely. Save it to an environment variable (PAYME_AGENT_TOKEN), a secrets manager, or an encrypted config file. Never store it in plain text in code, logs, or chat history.
• Tokens expire after 90 days. Re-authenticate via /api/agent/connect when expired. Revoke tokens you no longer need via POST /api/agent/revoke.
• All requests go to https://payme.feedom.tech only. Never send your agent token to any other domain.
• Test with small amounts first. Verify the integration works before moving larger sums.

Important Rules

1. Always confirm payments. Never skip the two-step send flow. Show the preview (amount, fee, chain, recipient) and get explicit user approval before calling /api/agent/confirm.
2. Always preview P2P sells. Compute amount x rate and show the naira total before calling /api/agent/p2p/sell. Get explicit user approval.
3. Confirm fiat is irreversible. Only call /api/agent/p2p/orders/:id/confirm after the user verifies naira is in their bank.
4. Token is USDC or USDT. No other tokens are supported.
5. Recipients can be a PayMe username, email, or 0x wallet address.
6. Fees are shown in the send preview. The net amount (after fee) is what the recipient gets.
7. Do not expose or log the agent token, master keys, or private keys.

Full API Reference

For complete request/response schemas and error codes, see references/api-reference.md.