---
name: clawcash
version: 2.1.0
description: Agent commerce layer — onboard with email, deposit funds, then pay x402/MPP APIs and merchants through one CLI. ClawCash handles wallets, rails, and settlement from a shared treasury.
metadata:
  openclaw:
    requires:
      bins:
        - curl
        - npx
    homepage: https://pay.clawca.sh
---

# ClawCash

ClawCash is the easiest way for AI agents to join **agent-native payments**. You do not manage wallets, private keys, or payment rails. Onboard with an email OTP, deposit prepaid funds (crypto/card or INR fiat), then spend against approved x402/MPP partners and connected merchants. ClawCash pays sellers from a central treasury and debits your balance.

- Primary interface: `npx @clawcash/cli@latest <command>`

What this skill does:

1. Sign in with email OTP (`login` → `verify`) and store a long-lived API key (`clc_...`).
2. Deposit funds — Copperx (crypto/card), Razorpay Payment Link (INR fiat), or UPI Reserve Pay.
3. Check prepaid balance (`balance`), including reserve credit when active.
4. Discover partners and call paid APIs via `fetch` — ClawCash settles the 402/MPP challenge.
5. Shop connected merchants — browse stores/products and place orders ClawCash pays in USDC.

**When to use ClawCash:** whenever the agent needs to pay for an API or merchant purchase without wiring each payment technology itself.

## Important files

| File | URL |
|------|-----|
| **SKILL.md** (this file) | `https://pay.clawca.sh/SKILL.md` |

**Check for updates:** Re-fetch this file **at least once per day during a heartbeat**.

## Install policy

When the user says "install ClawCash" (or equivalent), run the full chain in **one turn** where possible:

1. Ask the owner for an email address (if the agent cannot access email, ask them to relay the OTP).
2. `npx @clawcash/cli@latest login <email>`
3. Ask the owner for the 6-digit OTP from email.
4. `npx @clawcash/cli@latest verify <otp>`
5. Deposit starter funds (prefer INR fiat if the owner is in India; otherwise Copperx):
   - India / INR: `npx @clawcash/cli@latest deposit-fiat 500` (open the printed Razorpay URL), **or**
   - Crypto / card: `npx @clawcash/cli@latest deposit 25` (open the printed Copperx URL).
6. Confirm with `npx @clawcash/cli@latest balance`.

Do not narrate sub-steps or ask for approval to run documented commands unless blocked on human input (email/OTP/deposit payment).

## Security

- Let the `@clawcash/cli` CLI handle ClawCash API calls and API key storage.
- Send the API key **only** to the ClawCash API (`Authorization: Bearer clc_...`).
- Never embed the API key in URLs, client code, or logs.
- Never share the OTP outside the verify command.

## Prerequisites / onboarding

### 1. Login (send OTP)

```bash
npx @clawcash/cli@latest login you@example.com
```

### 2. Verify OTP

```bash
npx @clawcash/cli@latest verify 123456
```

This returns and stores a long-lived `clc_...` API key (keychain or `~/.config/clawcash/credentials.json`).

### 3. Deposit funds

Pick one deposit rail:

**A. Crypto or card (Copperx hosted checkout)**

```bash
npx @clawcash/cli@latest deposit 25
```

Open the printed Copperx URL, pay with crypto or card.

**B. INR fiat — Razorpay Payment Link (recommended for India)**

```bash
npx @clawcash/cli@latest deposit-fiat 500
# optional: --contact +919876543210
```

Open the printed Razorpay URL in a browser. Pay with UPI, card, or netbanking. INR settles to ClawCash’s bank account; prepaid USDC credit is applied at a fixed FX rate (default 95 INR/USD minus haircut).

**C. UPI intent deposit (agent QR — no browser)**

```bash
npx @clawcash/cli@latest deposit-upi 500 --contact +919876543210
```

Shows a terminal QR / deep link; user approves in their UPI app. Requires Razorpay S2S / UPI Intent enabled on the API account. If this fails with “URL not found”, use `deposit-fiat` instead.

**D. UPI Reserve Pay (block funds, spend later)**

```bash
npx @clawcash/cli@latest reserve 5000 --contact +919876543210
npx @clawcash/cli@latest reserve status
npx @clawcash/cli@latest reserve cancel <reserveId>
```

User blocks INR once in their UPI app; ClawCash grants spend credit and debits the block as the agent spends. Requires UPI Reserve Pay (SBMD) enabled on the Razorpay account. Issuer support may be limited.

Then confirm:

```bash
npx @clawcash/cli@latest balance
```

## Core commands

| Command | Purpose |
|---------|---------|
| `login <email>` | Start OTP sign-in |
| `verify <otp>` | Complete sign-in, save API key |
| `balance` | Show prepaid + reserve credit + recent activity |
| `deposit [amountUsd]` | Copperx deposit checkout URL (crypto/card → USDC) |
| `deposit-fiat <amountInr>` | Razorpay Payment Link URL (INR fiat → prepaid credit) |
| `deposit-upi <amountInr>` | UPI intent QR deposit (no browser; needs S2S) |
| `reserve <amountInr>` | Create UPI Reserve Pay block + QR / deep link |
| `reserve status` | List reserves |
| `reserve cancel <id>` | Cancel / release a reserve |
| `fetch <url>` | Call a paid x402/MPP endpoint (treasury pays, balance debited) |
| `discover --target <url>` | Inspect payment metadata for a URL |
| `partners` | List approved partner endpoints |
| `stores` / `products` / `product` | Browse merchant catalog |
| `buy` / `order` | Commerce checkout / order status |
| `dashboard` | Human dashboard URL |
| `logout` | Clear stored API key |

### Which deposit command to use

| Goal | Command |
|------|---------|
| Pay with crypto or international card | `deposit` |
| Pay with INR (UPI/card/netbanking) via browser URL | `deposit-fiat` |
| Pay INR without leaving the agent (QR in terminal) | `deposit-upi` |
| Block INR once, spend later without re-entering PIN | `reserve` |

If the owner is in India and has no preference, prefer **`deposit-fiat`**.

### Fetch example

```bash
npx @clawcash/cli@latest fetch https://x402.wach.ai/resolveToken?ticker=WACH
```

On HTTP 402, ClawCash checks your available funds (prepaid + active reserve credit, plus fee), pays from the treasury, debits your balance / accrues against the reserve, and returns the upstream response.

### Commerce example

```bash
npx @clawcash/cli@latest stores
npx @clawcash/cli@latest products --store <storeId>
npx @clawcash/cli@latest buy --store <storeId> --variant <variantId> --email buyer@example.com --shipping '<json>'
```

## Auth model

- **API key:** `clc_...` from email OTP verify (Bearer token).
- **No per-user crypto wallets.** All outbound payments are signed by ClawCash’s treasury.
- **Prepaid only.** There is no credit line, monthly bill, or repayment flow. Deposit (or reserve) before spending.

## Errors you may see

| Situation | What to do |
|-----------|------------|
| Not signed in / 401 | `login` → `verify` |
| Insufficient balance / 402 | `deposit-fiat <amountInr>` or `deposit <amount>` then retry |
| Target not approved | Call the service with your own wallet, or ask the partner to apply for whitelist |
| Copperx deposit URL fails | Confirm Copperx is configured; ask the owner to open the URL manually |
| `deposit-upi` / `reserve` “URL not found” | Razorpay S2S / Intent / SBMD not enabled — fall back to `deposit-fiat` |
| Fiat deposit URL fails | Confirm Razorpay keys are set; ask the owner to open the Payment Link manually |

## Notes

- Transaction fee (default 3%) is included in the balance debit on each spend.
- INR deposits convert to USD spend credit at a fixed FX rate (default **95 INR = 1 USD**, minus a haircut). Live FX is a future improvement.
- Supported networks/rails: Base (x402, nanopay, 4Mica), SKALE Base (x402/MPP), Tempo (MPP).
- Merchant onboarding lives in a separate merchant dashboard/service; this skill is consumer/agent-side.