# MoneyTools Settle — pay per call from 0.005 USDC; advisory, non-custodial spend caps that complement Coinbase wallet-enforced hard limits

settle_verify / spend_check / spend_cap_set / spend_cap_get / spend_record / spend_log 0.005 USDC per call via x402, no API key. Optional upgrade: 1 USDC / 30 days.

Advisory layer: your wallet signs; we never hold funds or keys and cannot move, stop or block a payment. The agent asks us before it signs, and records what it paid. Hard enforcement stays with your wallet (Coinbase Agentic Wallet / CDP x402 spendControls) — Settle complements it.
1. Owner sets limits once per payer address: POST /v1/spend/cap {"payer":"0x…","perCallUsd":"0.05","perDayUsd":"5","perSessionUsd":"2","allowHosts":["api.example.com"],"ownerLock":"<secret ≥12 chars, optional>"}. With ownerLock set, the agent (holding only the API key) cannot loosen the caps.
2. On every HTTP 402: POST /v1/spend/check {"payer":"0x…","paymentRequired":"<PAYMENT-REQUIRED header (base64) or 402 JSON>","sessionId":"run-42","host":"api.example.com","reserve":true} → {"allow":false,"reasons":[{"code":"per_day_cap",…}],"remaining":{…}}. Do not sign when allow=false.
3. After paying: POST /v1/spend/record {"spendId":"sp_…","status":"settled","tx":"0x…","verify":true} (verify = read-only on-chain check on Base).
4. Receipts / spend log: POST /v1/spend/log {"payer":"0x…","days":7} → totals, top sellers, receipts.
Pairing with Coinbase Agentic Wallet (or CDP x402 client spendControls): those wallets enforce their own max-per-call / max-per-session or rolling caps inside the wallet. Keep them as the hard backstop and use Settle for what they don't cover: one policy shared by several agents/wallets, per-day + per-session + per-seller allow-lists, an owner lock, a pre-sign "why denied" answer the agent can act on, and a spend log with on-chain-verified receipts for the owner. Order: 402 → spend_check → (allow) wallet signs/pays → spend_record.


Pricing: pay per call via x402, no key — settle_verify / spend_check / spend_cap_set / spend_cap_get / spend_record / spend_log 0.005 USDC per call. Optional upgrade: 1 USDC / 30 days incl. 1000 calls (each check/record/log is 1 call). Free trial: POST https://settle.moneytools.dev/v1/trial.