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How to let the agent pay with a one-time card with Open Instinct

Approve each purchase with a single-use card from your Stripe Link wallet.

Credentials. The agent can request payment cards, so set a low spend policy and approve only purchases you recognize.

Who it is forA person who wants the agent to complete checkouts for small purchases and keep a spend limit in place.

The problemGiving an agent a card is risky. You want it to buy things without ever holding your card, and to ask before any large or unusual spend.

The outcomeFor each purchase the agent requests a one-time card for the exact total, you approve with one tap, and the card is dead after the payment.

What you need first

  • Node 22.19+ and pnpm 10
  • An Anthropic API key (or another Pi provider key)
  • An Inkbox admin API key from inkbox.ai for phone, email and agent-to-agent endpoints
  • A Maritime API key from maritime.sh if you deploy to a VM
  • A Stripe Link OAuth client if you want the agent to pay (review takes about 3 to 5 days)

Steps

  1. Apply for a Link OAuth client from Stripe and wait for review, which the README says takes about 3 to 5 days
  2. Complete the iMessage setup with pnpm instinct dev --tunnel and pnpm instinct connect
  3. Edit the spend policy file that sets the ask-above amount, daily cap and always-ask items
  4. Ask the agent to buy an item and approve the one-time card when prompted
  5. Read docs/PAYMENTS.md to confirm the limits before a larger purchase

Prompt for your agent

In the open-instinct repo at <repo path>, read docs/PAYMENTS.md and the spend policy file, then summarize the limits. Expected output: the ask-above amount, the daily cap and the always-ask items. Verify that the summary says the agent never holds the card number.

Caveat. Paying needs a Link OAuth client that Stripe reviews for several days, and without it the agent only reaches checkout and hands you the screen.

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