SIBIDZ

Manage credits and top-ups

credits

DestructiveIdempotent

Prepare top-ups or approve transfers, withdrawals, accounts and exports. Paid authority requires request_id and max_fee; x402 also requires an explicit cap. See auction://reference.

Input Schema

Name	Required	Description	Default
No arguments

Schema Changelog

Changes observed during successful MCP inspections.

Changed12 schema fields changedNov 2, 2026

addedInput schema / $defs / entry_id

Added value: +{
+  "format": "uuid",
+  "pattern": "^([\\da-fA-F]{8}-[\\da-fA-F]{4}-[1-8][\\da-fA-F]{3}-[89abAB][\\da-fA-F]{3}-[\\da-fA-F]{12}|0{8}-0{4}-0{4}-0{4}-0{12}|f{8}-f{4}-f{4}-f{4}-f{12})$",
+  "type": "string"
+}

removedInput schema / $defs / funding_accounts

Removed value: -{
-  "additionalProperties": false,
-  "properties": {
-    "grant_account_id": {
-      "format": "uuid",
-      "type": "string"
-    },
-    "normal_account_id": {
-      "format": "uuid",
-      "type": "string"
-    }
-  },
-  "type": "object"
-}

changedInput schema / $defs / operation_id / $ref

Previous value: -"#/$defs/request_id"New value: +"#/$defs/entry_id"

removedInput schema / $defs / principal

Removed value: -{
-  "pattern": "^[1-9]\\d{0,19}$",
-  "type": "string"
-}

changedInput schema / $defs / principal_source / $ref

Previous value: -"#/$defs/request_id"New value: +"#/$defs/entry_id"

addedInput schema / $defs / request_id / $ref
```
Added value: +"#/$defs/entry_id"
```
removedInput schema / $defs / request_id / format
```
Removed value: -"uuid"
```

removedInput schema / $defs / request_id / pattern

Removed value: -"^([\\da-fA-F]{8}-[\\da-fA-F]{4}-[1-8][\\da-fA-F]{3}-[89abAB][\\da-fA-F]{3}-[\\da-fA-F]{12}|0{8}-0{4}-0{4}-0{4}-0{12}|f{8}-f{4}-f{4}-f{4}-f{12})$"

removedInput schema / $defs / request_id / type
```
Removed value: -"string"
```

removedInput schema / $defs / request_id_2

Removed value: -{
-  "$ref": "#/$defs/request_id"
-}

addedInput schema / $defs / round

Added value: +{
+  "pattern": "^[1-9]\\d{0,19}$",
+  "type": "string"
+}

changedInput schema / oneOf

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "accept_terms": {
-        "enum": [
-          true
-        ]
-      },
-      "action": {
-        "enum": [
-          "x402"
-        ]
-      },
-      "credits": {
-        "$ref": "#/$defs/credits"
-      },
-      "customer_postal_code": {
-        "$ref": "#/$defs/customer_postal_code"
-      },
-      "customer_region": {
-        "$ref": "#/$defs/customer_region"
-      },
-      "customer_subdivision": {
-        "$ref": "#/$defs/customer_subdivision"
-      },
-      "financial_principal": {
-        "$ref": "#/$defs/financial_principal"
-      },
-      "funding_accounts": {
-        "$ref": "#/$defs/funding_accounts"
-      },
-      "max_fee": {
-        "$ref": "#/$defs/max_fee"
-      },
-      "principal_source": {
-        "$ref": "#/$defs/principal_source"
-      },
-      "request_id": {
-        "$ref": "#/$defs/request_id"
-      },
-      "route": {
-        "enum": [
-          "algo",
-          "usdc",
-          "sibidz"
-        ]
-      },
-      "terms_hash": {
-        "$ref": "#/$defs/terms_hash"
-      },
-      "terms_version": {
-        "$ref": "#/$defs/terms_version"
-      }
-    },
-    "required": [
-      "action",
-      "request_id",
-      "route",
-      "credits",
-      "max_fee"
-    ],
-    "type": "object"
-  },
-  {
-    "additionalProperties": false,
-    "properties": {
-      "accept_terms": {
-        "enum": [
-          true
-        ]
-      },
-      "action": {
-        "enum": [
-          "fiat"
-        ]
-      },
-      "amount": {
-        "pattern": "^(?:0|[1-9]\\d{0,8})(?:\\.\\d{1,2})?$",
-        "type": "string"
-      },
-      "customer_postal_code": {
-        "$ref": "#/$defs/customer_postal_code"
-      },
-      "customer_region": {
-        "$ref": "#/$defs/customer_region"
-      },
-      "customer_subdivision": {
-        "$ref": "#/$defs/customer_subdivision"
-      },
-      "destination_account_id": {
-        "$ref": "#/$defs/request_id"
-      },
-      "financial_principal": {
-        "$ref": "#/$defs/financial_principal"
-      },
-      "funding_accounts": {
-        "$ref": "#/$defs/funding_accounts"
-      },
-      "max_fee": {
-        "$ref": "#/$defs/max_fee"
-      },
-      "method": {
-        "enum": [
-          "thb_international",
-          "thb_promptpay",
-          "gbp_international",
-          "gbp_local",
-          "usd_international",
-          "usd_domestic"
-        ]
-      },
-      "principal_source": {
-        "$ref": "#/$defs/principal_source"
-      },
-      "request_id": {
-        "$ref": "#/$defs/request_id"
-      },
-      "terms_hash": {
-        "$ref": "#/$defs/terms_hash"
-      },
-      "terms_version": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "request_id",
-      "method",
-      "amount",
-      "accept_terms",
-      "terms_version",
-      "terms_hash",
-      "action"
-    ],
-    "type": "object"
-  },
-  {
-    "additionalProperties": false,
-    "properties": {
-      "action": {
-        "enum": [
-          "fiat_sent"
-        ]
-      },
-      "funding_accounts": {
-        "$ref": "#/$defs/funding_accounts"
-      },
-      "max_fee": {
-        "$ref": "#/$defs/max_fee"
-      },
-      "operation_id": {
-        "$ref": "#/$defs/request_id"
-      },
-      "request_id": {
-        "$ref": "#/$defs/request_id"
-      }
-    },
-    "required": [
-      "operation_id",
-      "request_id",
-      "action"
-    ],
-    "type": "object"
-  },
-  {
-    "additionalProperties": false,
-    "properties": {
-      "action": {
-        "enum": [
-          "export"
-        ]
-      },
-      "funding_accounts": {
-        "$ref": "#/$defs/funding_accounts"
-      },
-      "max_fee": {
-        "$ref": "#/$defs/max_fee"
-      },
-      "month": {
-        "pattern": "^(20[0-9]{2}|[3-9][0-9]{3})-(0[1-9]|1[0-2])$",
-        "type": "string"
-      },
-      "request_id": {
-        "$ref": "#/$defs/request_id"
-      }
-    },
-    "required": [
-      "month",
-      "request_id",
-      "action",
-      "max_fee"
-    ],
-    "type": "object"
-  },
-  {
-    "additionalProperties": false,
-    "properties": {
-      "accept_terms": {
-        "enum": [
-          true
-        ]
-      },
-      "action": {
-        "enum": [
-          "invoice"
-        ]
-      },
-      "credits": {
-        "$ref": "#/$defs/credits"
-      },
-      "customer_postal_code": {
-        "$ref": "#/$defs/customer_postal_code"
-      },
-      "customer_region": {
-        "$ref": "#/$defs/customer_region"
-      },
-      "customer_subdivision": {
-        "$ref": "#/$defs/customer_subdivision"
-      },
-      "financial_principal": {
-        "$ref": "#/$defs/financial_principal"
-      },
-      "funding_accounts": {
-        "$ref": "#/$defs/funding_accounts"
-      },
-      "max_fee": {
-        "$ref": "#/$defs/max_fee"
-      },
-      "principal_source": {
-        "$ref": "#/$defs/principal_source"
-      },
-      "request_id": {
-        "$ref": "#/$defs/request_id"
-      },
-      "route": {
-        "$ref": "#/$defs/route"
-      },
-      "terms_hash": {
-        "$ref": "#/$defs/terms_hash"
-      },
-      "terms_version": {
-        "$ref": "#/$defs/terms_version"
-      }
-    },
-    "required": [
-      "action",
-      "request_id",
-      "route",
-      "credits"
-    ],
-    "type": "object"
-  },
-  {
-    "additionalProperties": false,
-    "properties": {
-      "accept_terms": {
-        "enum": [
-          true
-        ]
-      },
-      "action": {
-        "enum": [
-          "deposit"
-        ]
-      },
-      "customer_postal_code": {
-        "$ref": "#/$defs/customer_postal_code"
-      },
-      "customer_region": {
-        "$ref": "#/$defs/customer_region"
-      },
-      "customer_subdivision": {
-        "$ref": "#/$defs/customer_subdivision"
-      },
-      "financial_principal": {
-        "$ref": "#/$defs/financial_principal"
-      },
-      "funding_accounts": {
-        "$ref": "#/$defs/funding_accounts"
-      },
-      "max_fee": {
-        "$ref": "#/$defs/max_fee"
-      },
-      "principal_source": {
-        "$ref": "#/$defs/principal_source"
-      },
-      "request_id": {
-        "$ref": "#/$defs/request_id_2"
-      },
-      "route": {
-        "$ref": "#/$defs/route"
-      },
-      "terms_hash": {
-        "$ref": "#/$defs/terms_hash"
-      },
-      "terms_version": {
-        "$ref": "#/$defs/terms_version"
-      }
-    },
-    "required": [
-      "action",
-      "request_id",
-      "route"
-    ],
-    "type": "object"
-  },
-  {
-    "additionalProperties": false,
-    "oneOf": [
-      {
-        "properties": {
-          "intent": {
-            "enum": [
-              "withdraw"
-            ]
-          }
-        },
-        "propertyNames": {
-          "enum": [
-            "principal",
-            "destination",
-            "action",
-            "intent",
-            "request_id",
-            "source_account_id",
-            "funding_accounts",
-            "max_fee"
-          ]
-        },
-        "required": [
-          "principal",
-          "destination"
-        ]
-      },
-      {
-        "properties": {
-          "destination": false,
-          "entry_id": false,
-          "intent": {
-            "enum": [
-              "transfer"
-            ]
-          },
-          "label": false,
-          "ledger_account_id": false,
-          "principal": false,
-          "purpose": false
-        },
-        "required": [
-          "amount",
-          "recipient_profile_id"
-        ]
-      },
-      {
-        "properties": {
-          "intent": {
-            "enum": [
-              "create_account"
-            ]
-          }
-        },
-        "propertyNames": {
-          "enum": [
-            "action",
-            "intent",
-            "request_id",
-            "purpose",
-            "label",
-            "funding_accounts",
-            "max_fee"
-          ]
-        },
-        "required": [
-          "purpose"
-        ]
-      },
-      {
-        "properties": {
-          "intent": {
-            "enum": [
-              "select_account"
-            ]
-          }
-        },
-        "propertyNames": {
-          "enum": [
-            "action",
-            "intent",
-            "request_id",
-            "purpose",
-            "ledger_account_id",
-            "funding_accounts",
-            "max_fee"
-          ]
-        },
-        "required": [
-          "purpose",
-          "ledger_account_id"
-        ]
-      },
-      {
-        "properties": {
-          "intent": {
-            "enum": [
-              "evidence"
-            ]
-          }
-        },
-        "propertyNames": {
-          "enum": [
-            "action",
-            "intent",
-            "request_id",
-            "entry_id",
-            "funding_accounts",
-            "max_fee"
-          ]
-        },
-        "required": [
-          "entry_id"
-        ]
-      }
-    ],
-    "properties": {
-      "action": {
-        "enum": [
-          "prepare"
-        ]
-      },
-      "amount": {
-        "$ref": "#/$defs/principal"
-      },
-      "destination": {
-        "type": "string"
-      },
-      "destination_account_id": {
-        "$ref": "#/$defs/request_id"
-      },
-      "entry_id": {
-        "$ref": "#/$defs/request_id"
-      },
-      "funding_accounts": {
-        "$ref": "#/$defs/funding_accounts"
-      },
-      "intent": {},
-      "label": {
-        "$ref": "#/$defs/label"
-      },
-      "ledger_account_id": {
-        "$ref": "#/$defs/request_id"
-      },
-      "max_fee": {
-        "$ref": "#/$defs/max_fee"
-      },
-      "principal": {
-        "$ref": "#/$defs/principal"
-      },
-      "purpose": {
-        "enum": [
-          "grant",
-          "normal"
-        ]
-      },
-      "recipient_profile_id": {
-        "$ref": "#/$defs/request_id"
-      },
-      "request_id": {
-        "$ref": "#/$defs/request_id_2"
-      },
-      "source_account_id": {
-        "$ref": "#/$defs/request_id"
-      }
-    },
-    "required": [
-      "action",
-      "intent",
-      "request_id"
-    ],
-    "type": "object"
-  },
-  {
-    "additionalProperties": false,
-    "oneOf": [
-      {
-        "properties": {
-          "approve": false,
-          "authority_digest": {
-            "$ref": "#/$defs/terms_hash"
-          },
-          "intent": {
-            "enum": [
-              "top_up"
-            ]
-          },
-          "operation_id": {
-            "$ref": "#/$defs/request_id"
-          },
-          "request_id": {
-            "$ref": "#/$defs/request_id"
-          },
-          "terms_sha256": false
-        },
-        "required": [
-          "terms_version",
-          "terms_hash",
-          "accept_terms"
-        ]
-      },
-      {
-        "properties": {
-          "approve": false,
-          "authority_digest": {
-            "$ref": "#/$defs/terms_hash"
-          },
-          "intent": {
-            "enum": [
-              "withdraw"
-            ]
-          },
-          "operation_id": {
-            "$ref": "#/$defs/request_id"
-          },
-          "request_id": {
-            "$ref": "#/$defs/request_id_2"
-          },
-          "terms_hash": false
-        },
-        "required": [
-          "terms_version",
-          "terms_sha256",
-          "accept_terms"
-        ]
-      },
-      {
-        "properties": {
-          "authority_digest": {
-            "$ref": "#/$defs/terms_hash"
-          },
-          "intent": {
-            "enum": [
-              "transfer",
-              "create_account",
-              "select_account",
-              "evidence"
-            ]
-          },
-          "operation_id": {
-            "$ref": "#/$defs/operation_id"
-          },
-          "request_id": {
-            "$ref": "#/$defs/request_id_2"
-          }
-        },
-        "propertyNames": {
-          "enum": [
-            "action",
-            "intent",
-            "request_id",
-            "operation_id",
-            "authority_digest",
-            "approve",
-            "funding_accounts",
-            "max_fee"
-          ]
-        },
-        "required": [
-          "approve"
-        ]
-      }
-    ],
-    "properties": {
-      "accept_terms": {
-        "enum": [
-          true
-        ]
-      },
-      "action": {
-        "enum": [
-          "confirm"
-        ]
-      },
-      "approve": {
-        "enum": [
-          true
-        ]
-      },
-      "authority_digest": {},
-      "customer_postal_code": {
-        "$ref": "#/$defs/customer_postal_code"
-      },
-      "customer_region": {
-        "$ref": "#/$defs/customer_region"
-      },
-      "customer_subdivision": {
-        "$ref": "#/$defs/customer_subdivision"
-      },
-      "financial_principal": {
-        "$ref": "#/$defs/financial_principal"
-      },
-      "funding_accounts": {
-        "$ref": "#/$defs/funding_accounts"
-      },
-      "intent": {},
-      "max_fee": {
-        "$ref": "#/$defs/max_fee"
-      },
-      "operation_id": {},
-      "principal_source": {
-        "$ref": "#/$defs/principal_source"
-      },
-      "request_id": {},
-      "terms_hash": {
-        "$ref": "#/$defs/terms_hash"
-      },
-      "terms_sha256": {
-        "$ref": "#/$defs/terms_hash"
-      },
-      "terms_version": {
-        "$ref": "#/$defs/label"
-      }
-    },
-    "required": [
-      "action",
-      "intent",
-      "request_id",
-      "operation_id",
-      "authority_digest"
-    ],
-    "type": "object"
-  },
-  {
-    "oneOf": [
-      {
-        "additionalProperties": false,
-        "properties": {
-          "action": {
-            "enum": [
-              "continue"
-            ]
-          },
-          "funding_accounts": {
-            "$ref": "#/$defs/funding_accounts"
-          },
-          "max_fee": {
-            "$ref": "#/$defs/max_fee"
-          },
-          "operation_id": {
-            "$ref": "#/$defs/operation_id"
-          },
-          "request_id": {
-            "$ref": "#/$defs/request_id_2"
-          },
-          "step": {
-            "enum": [
-              "sent"
-            ]
-          }
-        },
-        "required": [
-          "action",
-          "step",
-          "request_id",
-          "operation_id"
-        ],
-        "type": "object"
-      },
-      {
-        "additionalProperties": false,
-        "properties": {
-          "action": {
-            "enum": [
-              "continue"
-            ]
-          },
-          "funding_accounts": {
-            "$ref": "#/$defs/funding_accounts"
-          },
-          "max_fee": {
-            "$ref": "#/$defs/max_fee"
-          },
-          "operation_id": {
-            "$ref": "#/$defs/operation_id"
-          },
-          "payment": {
-            "oneOf": [
-              {
-                "additionalProperties": false,
-                "properties": {
-                  "event_index": {
-                    "maximum": 4294967295,
-                    "minimum": 0,
-                    "type": "integer"
-                  },
-                  "inner_path": {
-                    "items": {
-                      "maximum": 9007199254740991,
-                      "minimum": 0,
-                      "type": "integer"
-                    },
-                    "maxItems": 16,
-                    "type": "array"
-                  },
-                  "kind": {
-                    "enum": [
-                      "transaction"
-                    ]
-                  },
-                  "round": {
-                    "$ref": "#/$defs/principal"
-                  },
-                  "transaction_id": {
-                    "pattern": "^(?:[A-Z2-7]{52}|(?:0x)?[a-fA-F0-9]{64})$",
-                    "type": "string"
-                  }
-                },
-                "required": [
-                  "kind",
-                  "transaction_id"
-                ],
-                "type": "object"
-              }
-            ]
-          },
-          "request_id": {
-            "$ref": "#/$defs/request_id_2"
-          },
-          "step": {
-            "enum": [
-              "payment"
-            ]
-          }
-        },
-        "required": [
-          "action",
-          "step",
-          "request_id",
-          "operation_id",
-          "payment"
-        ],
-        "type": "object"
-      },
-      {
-        "additionalProperties": false,
-        "oneOf": [
-          {
-            "properties": {
-              "decision": {
-                "enum": [
-                  "partial_take",
-                  "continue_requote"
-                ]
-              },
-              "expected_revision": {
-                "pattern": "^\\d+$",
-                "type": "string"
-              }
-            },
-            "propertyNames": {
-              "enum": [
-                "operation_id",
-                "expected_revision",
-                "decision",
-                "min_net",
-                "accept",
-                "action",
-                "step",
-                "request_id",
-                "funding_accounts",
-                "max_fee"
-              ]
-            },
-            "required": [
-              "min_net",
-              "accept"
-            ]
-          },
-          {
-            "properties": {
-              "confirm_destination": false,
-              "decision": {
-                "enum": [
-                  "renew_btc"
-                ]
-              },
-              "destination": false,
-              "expected_revision": {
-                "pattern": "^\\d+$",
-                "type": "string"
-              },
-              "fee_payer": false,
-              "max_network_fee": false,
-              "obligation_id": false
-            },
-            "required": [
-              "valuation_id",
-              "gross_cap",
-              "min_net",
-              "accept"
-            ]
-          },
-          {
-            "properties": {
-              "accept": false,
-              "decision": {
-                "enum": [
-                  "return_original"
-                ]
-              },
-              "expected_revision": {
-                "$ref": "#/$defs/max_network_fee"
-              },
-              "gross_cap": false,
-              "min_net": false,
-              "valuation_id": false
-            },
-            "required": [
-              "destination",
-              "confirm_destination",
-              "fee_payer",
-              "max_network_fee"
-            ]
-          }
-        ],
-        "properties": {
-          "accept": {
-            "enum": [
-              true
-            ]
-          },
-          "action": {
-            "enum": [
-              "continue"
-            ]
-          },
-          "confirm_destination": {
-            "enum": [
-              true
-            ]
-          },
-          "decision": {},
-          "destination": {
-            "maxLength": 256,
-            "minLength": 1,
-            "type": "string"
-          },
-          "expected_revision": {},
-          "fee_payer": {
-            "enum": [
-              "company"
-            ]
-          },
-          "funding_accounts": {
-            "$ref": "#/$defs/funding_accounts"
-          },
-          "gross_cap": {
-            "pattern": "^[1-9]\\d*$",
-            "type": "string"
-          },
-          "max_fee": {
-            "$ref": "#/$defs/max_fee"
-          },
-          "max_network_fee": {
-            "$ref": "#/$defs/max_network_fee"
-          },
-          "min_net": {
-            "pattern": "^[1-9]\\d*$",
-            "type": "string"
-          },
-          "obligation_id": {
-            "$ref": "#/$defs/request_id"
-          },
-          "operation_id": {
-            "$ref": "#/$defs/request_id"
-          },
-          "request_id": {
-            "$ref": "#/$defs/request_id_2"
-          },
-          "step": {
-            "enum": [
-              "recovery"
-            ]
-          },
-          "valuation_id": {
-            "$ref": "#/$defs/request_id"
-          }
-        },
-        "required": [
-          "operation_id",
-          "expected_revision",
-          "decision",
-          "action",
-          "step",
-          "request_id"
-        ],
-        "type": "object"
-      },
-      {
-        "additionalProperties": false,
-        "properties": {
-          "action": {
-            "enum": [
-              "continue"
-            ]
-          },
-          "funding_accounts": {
-            "$ref": "#/$defs/funding_accounts"
-          },
-          "max_fee": {
-            "$ref": "#/$defs/max_fee"
-          },
-          "operation_id": {
-            "$ref": "#/$defs/operation_id"
-          },
-          "request_id": {
-            "$ref": "#/$defs/request_id_2"
-          },
-          "step": {
-            "enum": [
-              "link",
-              "revoke_link"
-            ]
-          }
-        },
-        "required": [
-          "action",
-          "step",
-          "operation_id",
-          "request_id"
-        ],
-        "type": "object"
-      }
-    ]
-  },
-  {
-    "additionalProperties": false,
-    "properties": {
-      "action": {
-        "enum": [
-          "cancel"
-        ]
-      },
-      "funding_accounts": {
-        "$ref": "#/$defs/funding_accounts"
-      },
-      "max_fee": {
-        "$ref": "#/$defs/max_fee"
-      },
-      "operation_id": {
-        "$ref": "#/$defs/operation_id"
-      },
-      "request_id": {
-        "$ref": "#/$defs/request_id_2"
-      }
-    },
-    "required": [
-      "action",
-      "operation_id",
-      "request_id"
-    ],
-    "type": "object"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "accept_terms": {
+        "enum": [
+          true
+        ]
+      },
+      "action": {
+        "enum": [
+          "x402"
+        ]
+      },
+      "credits": {
+        "$ref": "#/$defs/credits"
+      },
+      "customer_postal_code": {
+        "$ref": "#/$defs/customer_postal_code"
+      },
+      "customer_region": {
+        "$ref": "#/$defs/customer_region"
+      },
+      "customer_subdivision": {
+        "$ref": "#/$defs/customer_subdivision"
+      },
+      "financial_principal": {
+        "$ref": "#/$defs/financial_principal"
+      },
+      "max_fee": {
+        "$ref": "#/$defs/max_fee"
+      },
+      "principal_source": {
+        "$ref": "#/$defs/principal_source"
+      },
+      "request_id": {
+        "$ref": "#/$defs/entry_id"
+      },
+      "route": {
+        "enum": [
+          "algo",
+          "usdc",
+          "sibidz"
+        ]
+      },
+      "terms_hash": {
+        "$ref": "#/$defs/terms_hash"
+      },
+      "terms_version": {
+        "$ref": "#/$defs/terms_version"
+      }
+    },
+    "required": [
+      "action",
+      "request_id",
+      "route",
+      "credits",
+      "max_fee"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": false,
+    "properties": {
+      "accept_terms": {
+        "enum": [
+          true
+        ]
+      },
+      "action": {
+        "enum": [
+          "fiat"
+        ]
+      },
+      "amount": {
+        "pattern": "^(?:0|[1-9]\\d{0,8})(?:\\.\\d{1,2})?$",
+        "type": "string"
+      },
+      "customer_postal_code": {
+        "$ref": "#/$defs/customer_postal_code"
+      },
+      "customer_region": {
+        "$ref": "#/$defs/customer_region"
+      },
+      "customer_subdivision": {
+        "$ref": "#/$defs/customer_subdivision"
+      },
+      "destination_account_id": {
+        "$ref": "#/$defs/entry_id"
+      },
+      "financial_principal": {
+        "$ref": "#/$defs/financial_principal"
+      },
+      "max_fee": {
+        "$ref": "#/$defs/max_fee"
+      },
+      "method": {
+        "enum": [
+          "thb_international",
+          "thb_promptpay",
+          "gbp_international",
+          "gbp_local",
+          "usd_international",
+          "usd_domestic"
+        ]
+      },
+      "principal_source": {
+        "$ref": "#/$defs/principal_source"
+      },
+      "request_id": {
+        "$ref": "#/$defs/entry_id"
+      },
+      "terms_hash": {
+        "$ref": "#/$defs/terms_hash"
+      },
+      "terms_version": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "request_id",
+      "method",
+      "amount",
+      "accept_terms",
+      "terms_version",
+      "terms_hash",
+      "action"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": false,
+    "properties": {
+      "action": {
+        "enum": [
+          "fiat_sent"
+        ]
+      },
+      "max_fee": {
+        "$ref": "#/$defs/max_fee"
+      },
+      "operation_id": {
+        "$ref": "#/$defs/entry_id"
+      },
+      "request_id": {
+        "$ref": "#/$defs/entry_id"
+      }
+    },
+    "required": [
+      "operation_id",
+      "request_id",
+      "action"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": false,
+    "minProperties": 4,
+    "properties": {
+      "action": {
+        "enum": [
+          "export"
+        ]
+      },
+      "max_fee": {
+        "$ref": "#/$defs/max_fee"
+      },
+      "month": {
+        "pattern": "^(20[0-9]{2}|[3-9][0-9]{3})-(0[1-9]|1[0-2])$",
+        "type": "string"
+      },
+      "request_id": {
+        "$ref": "#/$defs/entry_id"
+      }
+    },
+    "type": "object"
+  },
+  {
+    "additionalProperties": false,
+    "properties": {
+      "accept_terms": {
+        "enum": [
+          true
+        ]
+      },
+      "action": {
+        "enum": [
+          "invoice"
+        ]
+      },
+      "credits": {
+        "$ref": "#/$defs/credits"
+      },
+      "customer_postal_code": {
+        "$ref": "#/$defs/customer_postal_code"
+      },
+      "customer_region": {
+        "$ref": "#/$defs/customer_region"
+      },
+      "customer_subdivision": {
+        "$ref": "#/$defs/customer_subdivision"
+      },
+      "financial_principal": {
+        "$ref": "#/$defs/financial_principal"
+      },
+      "max_fee": {
+        "$ref": "#/$defs/max_fee"
+      },
+      "principal_source": {
+        "$ref": "#/$defs/principal_source"
+      },
+      "request_id": {
+        "$ref": "#/$defs/entry_id"
+      },
+      "route": {
+        "$ref": "#/$defs/route"
+      },
+      "terms_hash": {
+        "$ref": "#/$defs/terms_hash"
+      },
+      "terms_version": {
+        "$ref": "#/$defs/terms_version"
+      }
+    },
+    "required": [
+      "action",
+      "request_id",
+      "route",
+      "credits"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": false,
+    "properties": {
+      "accept_terms": {
+        "enum": [
+          true
+        ]
+      },
+      "action": {
+        "enum": [
+          "deposit"
+        ]
+      },
+      "customer_postal_code": {
+        "$ref": "#/$defs/customer_postal_code"
+      },
+      "customer_region": {
+        "$ref": "#/$defs/customer_region"
+      },
+      "customer_subdivision": {
+        "$ref": "#/$defs/customer_subdivision"
+      },
+      "financial_principal": {
+        "$ref": "#/$defs/financial_principal"
+      },
+      "max_fee": {
+        "$ref": "#/$defs/max_fee"
+      },
+      "principal_source": {
+        "$ref": "#/$defs/principal_source"
+      },
+      "request_id": {
+        "$ref": "#/$defs/request_id"
+      },
+      "route": {
+        "$ref": "#/$defs/route"
+      },
+      "terms_hash": {
+        "$ref": "#/$defs/terms_hash"
+      },
+      "terms_version": {
+        "$ref": "#/$defs/terms_version"
+      }
+    },
+    "required": [
+      "action",
+      "request_id",
+      "route"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": false,
+    "oneOf": [
+      {
+        "properties": {
+          "intent": {
+            "enum": [
+              "withdraw"
+            ]
+          }
+        },
+        "propertyNames": {
+          "enum": [
+            "principal",
+            "destination",
+            "action",
+            "intent",
+            "request_id",
+            "source_account_id",
+            "max_fee"
+          ]
+        },
+        "required": [
+          "principal",
+          "destination"
+        ]
+      },
+      {
+        "properties": {
+          "destination": false,
+          "entry_id": false,
+          "intent": {
+            "enum": [
+              "transfer"
+            ]
+          },
+          "label": false,
+          "principal": false,
+          "purpose": false
+        },
+        "required": [
+          "amount",
+          "recipient_profile_id"
+        ]
+      },
+      {
+        "properties": {
+          "intent": {
+            "enum": [
+              "create_account"
+            ]
+          }
+        },
+        "propertyNames": {
+          "enum": [
+            "action",
+            "intent",
+            "request_id",
+            "purpose",
+            "label",
+            "max_fee"
+          ]
+        },
+        "required": [
+          "purpose"
+        ]
+      },
+      {
+        "properties": {
+          "intent": {
+            "enum": [
+              "evidence"
+            ]
+          }
+        },
+        "propertyNames": {
+          "enum": [
+            "action",
+            "intent",
+            "request_id",
+            "entry_id",
+            "max_fee"
+          ]
+        },
+        "required": [
+          "entry_id"
+        ]
+      }
+    ],
+    "properties": {
+      "action": {
+        "enum": [
+          "prepare"
+        ]
+      },
+      "amount": {
+        "$ref": "#/$defs/round"
+      },
+      "destination": {
+        "type": "string"
+      },
+      "destination_account_id": {
+        "$ref": "#/$defs/entry_id"
+      },
+      "entry_id": {
+        "$ref": "#/$defs/entry_id"
+      },
+      "intent": {},
+      "label": {
+        "$ref": "#/$defs/label"
+      },
+      "max_fee": {
+        "$ref": "#/$defs/max_fee"
+      },
+      "principal": {
+        "$ref": "#/$defs/round"
+      },
+      "purpose": {
+        "enum": [
+          "grant",
+          "normal"
+        ]
+      },
+      "recipient_profile_id": {
+        "$ref": "#/$defs/entry_id"
+      },
+      "request_id": {
+        "$ref": "#/$defs/request_id"
+      },
+      "source_account_id": {
+        "$ref": "#/$defs/entry_id"
+      }
+    },
+    "required": [
+      "action",
+      "intent",
+      "request_id"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": false,
+    "oneOf": [
+      {
+        "properties": {
+          "approve": false,
+          "authority_digest": {
+            "$ref": "#/$defs/terms_hash"
+          },
+          "intent": {
+            "enum": [
+              "top_up"
+            ]
+          },
+          "operation_id": {
+            "$ref": "#/$defs/entry_id"
+          },
+          "request_id": {
+            "$ref": "#/$defs/entry_id"
+          },
+          "terms_sha256": false
+        },
+        "required": [
+          "terms_version",
+          "terms_hash",
+          "accept_terms"
+        ]
+      },
+      {
+        "properties": {
+          "approve": false,
+          "authority_digest": {
+            "$ref": "#/$defs/terms_hash"
+          },
+          "intent": {
+            "enum": [
+              "withdraw"
+            ]
+          },
+          "operation_id": {
+            "$ref": "#/$defs/entry_id"
+          },
+          "request_id": {
+            "$ref": "#/$defs/request_id"
+          },
+          "terms_hash": false
+        },
+        "required": [
+          "terms_version",
+          "terms_sha256",
+          "accept_terms"
+        ]
+      },
+      {
+        "properties": {
+          "authority_digest": {
+            "$ref": "#/$defs/terms_hash"
+          },
+          "intent": {
+            "enum": [
+              "transfer",
+              "create_account",
+              "evidence"
+            ]
+          },
+          "operation_id": {
+            "$ref": "#/$defs/operation_id"
+          },
+          "request_id": {
+            "$ref": "#/$defs/request_id"
+          }
+        },
+        "propertyNames": {
+          "enum": [
+            "action",
+            "intent",
+            "request_id",
+            "operation_id",
+            "authority_digest",
+            "approve",
+            "max_fee"
+          ]
+        },
+        "required": [
+          "approve"
+        ]
+      }
+    ],
+    "properties": {
+      "accept_terms": {
+        "enum": [
+          true
+        ]
+      },
+      "action": {
+        "enum": [
+          "confirm"
+        ]
+      },
+      "approve": {
+        "enum": [
+          true
+        ]
+      },
+      "authority_digest": {},
+      "customer_postal_code": {
+        "$ref": "#/$defs/customer_postal_code"
+      },
+      "customer_region": {
+        "$ref": "#/$defs/customer_region"
+      },
+      "customer_subdivision": {
+        "$ref": "#/$defs/customer_subdivision"
+      },
+      "financial_principal": {
+        "$ref": "#/$defs/financial_principal"
+      },
+      "intent": {},
+      "max_fee": {
+        "$ref": "#/$defs/max_fee"
+      },
+      "operation_id": {},
+      "principal_source": {
+        "$ref": "#/$defs/principal_source"
+      },
+      "request_id": {},
+      "terms_hash": {
+        "$ref": "#/$defs/terms_hash"
+      },
+      "terms_sha256": {
+        "$ref": "#/$defs/terms_hash"
+      },
+      "terms_version": {
+        "$ref": "#/$defs/label"
+      }
+    },
+    "required": [
+      "action",
+      "intent",
+      "request_id",
+      "operation_id",
+      "authority_digest"
+    ],
+    "type": "object"
+  },
+  {
+    "oneOf": [
+      {
+        "additionalProperties": false,
+        "properties": {
+          "action": {
+            "enum": [
+              "continue"
+            ]
+          },
+          "max_fee": {
+            "$ref": "#/$defs/max_fee"
+          },
+          "operation_id": {
+            "$ref": "#/$defs/operation_id"
+          },
+          "request_id": {
+            "$ref": "#/$defs/request_id"
+          },
+          "step": {
+            "enum": [
+              "sent"
+            ]
+          }
+        },
+        "required": [
+          "action",
+          "step",
+          "request_id",
+          "operation_id"
+        ],
+        "type": "object"
+      },
+      {
+        "additionalProperties": false,
+        "properties": {
+          "action": {
+            "enum": [
+              "continue"
+            ]
+          },
+          "max_fee": {
+            "$ref": "#/$defs/max_fee"
+          },
+          "operation_id": {
+            "$ref": "#/$defs/operation_id"
+          },
+          "payment": {
+            "oneOf": [
+              {
+                "additionalProperties": false,
+                "properties": {
+                  "event_index": {
+                    "maximum": 4294967295,
+                    "minimum": 0,
+                    "type": "integer"
+                  },
+                  "inner_path": {
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+                      "maximum": 9007199254740991,
+                      "minimum": 0,
+                      "type": "integer"
+                    },
+                    "maxItems": 16,
+                    "type": "array"
+                  },
+                  "kind": {
+                    "enum": [
+                      "transaction"
+                    ]
+                  },
+                  "round": {
+                    "$ref": "#/$defs/round"
+                  },
+                  "transaction_id": {
+                    "pattern": "^(?:[A-Z2-7]{52}|(?:0x)?[a-fA-F0-9]{64})$",
+                    "type": "string"
+                  }
+                },
+                "required": [
+                  "kind",
+                  "transaction_id"
+                ],
+                "type": "object"
+              }
+            ]
+          },
+          "request_id": {
+            "$ref": "#/$defs/request_id"
+          },
+          "step": {
+            "enum": [
+              "payment"
+            ]
+          }
+        },
+        "required": [
+          "action",
+          "step",
+          "request_id",
+          "operation_id",
+          "payment"
+        ],
+        "type": "object"
+      },
+      {
+        "additionalProperties": false,
+        "oneOf": [
+          {
+            "properties": {
+              "decision": {
+                "enum": [
+                  "partial_take",
+                  "continue_requote"
+                ]
+              },
+              "expected_revision": {
+                "pattern": "^\\d+$",
+                "type": "string"
+              }
+            },
+            "propertyNames": {
+              "enum": [
+                "operation_id",
+                "expected_revision",
+                "decision",
+                "min_net",
+                "accept",
+                "action",
+                "step",
+                "request_id",
+                "max_fee"
+              ]
+            },
+            "required": [
+              "min_net",
+              "accept"
+            ]
+          },
+          {
+            "properties": {
+              "confirm_destination": false,
+              "decision": {
+                "enum": [
+                  "renew_btc"
+                ]
+              },
+              "destination": false,
+              "expected_revision": {
+                "pattern": "^\\d+$",
+                "type": "string"
+              },
+              "fee_payer": false,
+              "max_network_fee": false,
+              "obligation_id": false
+            },
+            "required": [
+              "valuation_id",
+              "gross_cap",
+              "min_net",
+              "accept"
+            ]
+          },
+          {
+            "properties": {
+              "accept": false,
+              "decision": {
+                "enum": [
+                  "return_original"
+                ]
+              },
+              "expected_revision": {
+                "$ref": "#/$defs/max_network_fee"
+              },
+              "gross_cap": false,
+              "min_net": false,
+              "valuation_id": false
+            },
+            "required": [
+              "destination",
+              "confirm_destination",
+              "fee_payer",
+              "max_network_fee"
+            ]
+          }
+        ],
+        "properties": {
+          "accept": {
+            "enum": [
+              true
+            ]
+          },
+          "action": {
+            "enum": [
+              "continue"
+            ]
+          },
+          "confirm_destination": {
+            "enum": [
+              true
+            ]
+          },
+          "decision": {},
+          "destination": {
+            "maxLength": 256,
+            "minLength": 1,
+            "type": "string"
+          },
+          "expected_revision": {},
+          "fee_payer": {
+            "enum": [
+              "company"
+            ]
+          },
+          "gross_cap": {
+            "pattern": "^[1-9]\\d*$",
+            "type": "string"
+          },
+          "max_fee": {
+            "$ref": "#/$defs/max_fee"
+          },
+          "max_network_fee": {
+            "$ref": "#/$defs/max_network_fee"
+          },
+          "min_net": {
+            "pattern": "^[1-9]\\d*$",
+            "type": "string"
+          },
+          "obligation_id": {
+            "$ref": "#/$defs/entry_id"
+          },
+          "operation_id": {
+            "$ref": "#/$defs/entry_id"
+          },
+          "request_id": {
+            "$ref": "#/$defs/request_id"
+          },
+          "step": {
+            "enum": [
+              "recovery"
+            ]
+          },
+          "valuation_id": {
+            "$ref": "#/$defs/entry_id"
+          }
+        },
+        "required": [
+          "operation_id",
+          "expected_revision",
+          "decision",
+          "action",
+          "step",
+          "request_id"
+        ],
+        "type": "object"
+      },
+      {
+        "additionalProperties": false,
+        "properties": {
+          "action": {
+            "enum": [
+              "continue"
+            ]
+          },
+          "max_fee": {
+            "$ref": "#/$defs/max_fee"
+          },
+          "operation_id": {
+            "$ref": "#/$defs/operation_id"
+          },
+          "request_id": {
+            "$ref": "#/$defs/request_id"
+          },
+          "step": {
+            "enum": [
+              "link",
+              "revoke_link"
+            ]
+          }
+        },
+        "required": [
+          "action",
+          "step",
+          "operation_id",
+          "request_id"
+        ],
+        "type": "object"
+      }
+    ]
+  },
+  {
+    "additionalProperties": false,
+    "properties": {
+      "action": {
+        "enum": [
+          "cancel"
+        ]
+      },
+      "max_fee": {
+        "$ref": "#/$defs/max_fee"
+      },
+      "operation_id": {
+        "$ref": "#/$defs/operation_id"
+      },
+      "request_id": {
+        "$ref": "#/$defs/request_id"
+      }
+    },
+    "required": [
+      "action",
+      "operation_id",
+      "request_id"
+    ],
+    "type": "object"
+  }
+]

First observedNov 1, 2026

TDQS

C2.6/5.0

Behavior2/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations declare destructiveHint=true and openWorldHint=true, but the description never mentions irreversibility, external payment networks, or idempotency. It notes that request_id is required for paid authority, but otherwise adds little behavioral context beyond what annotations already provide.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is two sentences with no wasted words and is reasonably front-loaded. However, given the tool's complexity, the brevity borders on under-specification rather than optimal conciseness.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness2/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a tool with a massive polymorphic schema, destructive annotations, and open-world side effects, the description is far too incomplete. It omits the prepare/confirm/continue lifecycle, the meaning of different actions, safety warnings, and how to navigate the many oneOf branches.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so the schema documents patterns and types. The description adds a minor note about request_id and max_fee for paid authority and an explicit cap for x402, but does not clarify the many other parameters (e.g., action, intent, authority_digest) or the meaning of enum values.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose3/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description lists several operations (prepare top-ups, approve transfers, withdrawals, accounts, exports) but does not define the tool's overall role or how these actions relate. It uses jargon like 'paid authority' and 'x402' without explanation and fails to distinguish the tool from siblings such as 'account' or 'buy'.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The only guidance is a conditional requirement for paid authority and a reference URI. There is no explanation of when to use this tool versus alternatives, no exclusions, and no context about the multi-step lifecycle implied by the schema.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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