MoneyTools › AI 零用錢 AI Allowance
不懂區塊鏈也沒關係：3 步、大約 10 分鐘，讓你的 AI 有一個只給它用、有上限的錢包，可以自己付費用 API。No blockchain knowledge needed: 3 steps, about 10 minutes, and your AI gets a capped wallet of its own to pay for APIs.
非託管：錢一直在你自己的錢包裡。MoneyTools 從不收、不保管、不轉移、不代簽你的資金，也不會要你的私鑰或助記詞。
Non-custodial: the money stays in your own wallet. MoneyTools never receives, holds, moves or signs your funds and never asks for keys or seed phrases.
我們不是 Coinbase、MAX、BitoPro 的合作夥伴，介紹它們不收任何佣金。
We are not partners of Coinbase, MAX or BitoPro and earn no commission for mentioning them.
我們的收入只來自自家服務：預付點數、代付閘道 1% 服務費、同鏈換幣 0.25%（都在下方費用表）。
Our only revenue is from our own services: prepaid credits, the 1% gateway fee and the 0.25% same-chain swap fee (all in the fee table below).
推薦 Coinbase 的 Agentic Wallet：用 Email 驗證碼登入就建好錢包，免費、Gas 由 Coinbase 補貼。Coinbase 說明它是非託管的（Coinbase 不保管你的資金），錢包綁你的 Email，所以 Email 一定要是你自己能長期控制的。
Recommended: Coinbase Agentic Wallet. Sign in with an email one-time code and the wallet is created; free, gas sponsored by Coinbase. Coinbase states it is non-custodial (Coinbase does not hold your funds). The wallet is tied to your email, so use an email you control long-term.
一鍵安裝到你的 AI（Claude Desktop / Claude Code / Codex / Gemini CLI）Install into your AI client (Claude Desktop / Claude Code / Codex / Gemini CLI)
npx @coinbase/payments-mcp
或用指令列登入（把 you@example.com 換成你的 Email）Or sign in from the command line (replace you@example.com)
npx awal@latest auth login you@example.com
查看錢包地址Show your wallet address
npx awal@latest address
需要先安裝 Node.js。裝好後重開你的 AI 程式，對它說「Show me my wallet」就會開瀏覽器讓你用 Email 登入。
Requires Node.js. Restart your AI client, then say "Show me my wallet"; a browser window opens for email sign-in.
AI 付款用的是 Base 鏈上的 USDC（1 USDC ≈ 1 美元）。第一次請先轉 1 美元測試，確認到帳再轉更多。
AI payments use USDC on Base (1 USDC ≈ 1 USD). Send a 1-dollar test first and confirm it arrived before sending more.
在錢包介面按 Fund，選金額和付款方式（卡、Apple Pay、Coinbase 帳戶、銀行），在 Coinbase Pay 完成付款，USDC 直接進你的 Base 錢包。
In the wallet UI click Fund, pick an amount and method (card, Apple Pay, Coinbase account, bank) and finish in Coinbase Pay; USDC lands in your wallet on Base.
npx awal@latest show
費用Fees: Coinbase 標準費用：卡約 2.5% 加價差（付款前會顯示）。Coinbase standard fees: card about 2.5% plus spread (shown before you pay).
限制Limits: Coinbase 文件寫 Onramp 只在支援地區提供（如美國等）。台灣能不能刷卡我們沒有確認：卡要有 3D 驗證，而且發卡銀行要允許加密貨幣交易，可能被拒。Apple Pay 免帳號版只限美國。Coinbase docs say Onramp is available in supported regions (US, etc.). We have NOT confirmed card purchases from Taiwan: the card needs 3-D Secure and the issuer must allow crypto purchases, so it may be declined. The no-account Apple Pay version is US-only.
來源Sources [1] [2] [3]
1) 在 MAX 或 BitoPro 用台幣買 USDC（要先完成交易所的實名驗證）。2) 提領時看清楚可選的網路：如果有 Base，直接選 Base、地址填你的 AI 錢包地址，最簡單。3) 如果只有 Polygon 或 Arbitrum：Coinbase 錢包也收 Polygon 上的 USDC，但我們的點數和多數 x402 賣家用 Base，要轉到 Base 需要一個能自己簽交易的錢包 App，用 swap.moneytools.dev 取得跨鏈報價（收款人填 AI 錢包地址）再簽名。這一步比較進階。
1) Buy USDC with TWD on MAX or BitoPro (exchange KYC required). 2) On the withdrawal screen check the networks offered: if Base is listed, choose Base and paste your AI wallet address - simplest. 3) If only Polygon or Arbitrum: the Coinbase wallet also accepts USDC on Polygon, but our credits and most x402 sellers use Base. Moving it to Base needs a wallet app that can sign transactions: get a cross-chain quote at swap.moneytools.dev (recipient = your AI wallet address) and sign it yourself. This step is for advanced users.
費用Fees: MAX：USDC 走 Polygon 提領 0.02 USDC、台幣提領 30 元（以提領畫面為準）。跨鏈：MoneyTools 目前收 0%，橋接費會列在報價裡。MAX: USDC withdrawal on Polygon 0.02 USDC, TWD withdrawal NT$30 (the withdrawal screen is authoritative). Bridge: MoneyTools fee currently 0%, bridge fees listed in the quote.
限制Limits: 我們沒有確認 MAX／BitoPro 是否提供 Base 網路提領。MAX 在 2026 年曾多次暫停 Polygon 出入金（維護、升級）。網路選錯可能拿不回來。We have NOT confirmed whether MAX / BitoPro offer Base withdrawals. MAX suspended Polygon deposits/withdrawals several times in 2026 (maintenance, upgrades). Sending on the wrong network can lose the funds.
來源Sources [1] [2] [3]
用 npx awal@latest address 取得地址，從你的交易所或錢包把 Base 上的 USDC 轉進去。
Get the address with npx awal@latest address and send USDC on Base from your exchange or wallet.
npx awal@latest address
費用Fees: 只有你那一端的提領或 Gas 費。Only the withdrawal / gas fee on your side.
限制Limits: 一定要選 Base 網路；先轉 1 美元測試。Must be the Base network; send 1 dollar first as a test.
來源Sources [1]
台灣目前用不了的：Not available in Taiwan:
第一層（最重要）：在 Coinbase 錢包介面設「每筆上限」和「每次對話上限」，AI 自己改不了。第二層（選用）：買一包 MoneyTools 點數（0.10 USDC＝100 次），在我們的代付閘道再設每日／每筆上限、防重複付款，每筆付款都有收據。
Layer 1 (most important): in the Coinbase wallet UI set Max per call and Max per session; the agent cannot change them. Layer 2 (optional): buy a MoneyTools credit pack (0.10 USDC = 100 calls) and add daily / per-call caps, double-payment protection and receipts on our pay gateway.
打開錢包介面 → 點花費上限 → Max per call 填 0.05，Max per session 填 1 → 儲存。AI 改不了這兩個數字。Open the wallet UI → spending limit tracker → Max per call = 0.05, Max per session = 1 → Save. Your AI cannot change them.
npx awal@latest show
用 AI 錢包買 100 次點數（0.10 USDC）。回應裡的 apiKey（mtk_ 開頭）只顯示一次，請存好。Buy 100 credits (0.10 USDC) with your AI wallet. The apiKey (starts with mtk_) in the reply is shown once - save it.
npx awal@latest x402 pay "https://api.moneytools.dev/v1/credits/buy?pack=100" --max-amount 100000
再到 儀表板 貼上 key、按「設定上限」，或用指令：Then open the dashboard, paste the key and click "Set caps", or run:
之後經過閘道的付款會先預檢賣家、守住上限、用 Idempotency-Key 防重複付款，每筆都有收據；成功才扣 1% 服務費（最低 0.001 美元）。錢還是從你的錢包直接付給賣家。Payments through the gateway are prechecked, capped, protected against double payment with Idempotency-Key and receipted; the 1% fee (min $0.001) is charged only on success. Your wallet still pays the seller directly.
⚠ 這個經閘道付款的指令我們還沒用真錢測過。⚠ We have not yet tested this gateway payment command with real money.
再把這段話貼給 AI，當作長期規則：Then give your AI these standing rules:
沒買點數也可以：把 X-API-Key 那行拿掉，每天仍有 20 次免費 MCP 呼叫。No credits? Drop the X-API-Key header; you still get 20 free MCP calls a day.
打開儀表板 →Open the dashboard → 點數餘額、今天經閘道花多少、上限、收據 CSV，以及錢包的 USDC 餘額。Credits left, today's gateway spend, caps, receipts CSV and your wallet's USDC balance.
| 項目Item | 價格Price | 收費方Charged by | 來源Source |
|---|---|---|---|
| Coinbase Agentic Wallet 開戶、使用Coinbase Agentic Wallet (create / use) | 免費，Gas 補貼Free, gas sponsored | Coinbase | link |
| 刷卡買 USDC（Coinbase Onramp）Card purchase (Coinbase Onramp) | 約 2.5% ＋ 價差~2.5% + spread | Coinbase | link |
| MAX 提領 USDC（Polygon）MAX USDC withdrawal (Polygon) | 0.02 USDC | MAX | link |
| MoneyTools 點數（選用）MoneyTools credits (optional) | 100 次 0.10 USDC／1,000 次 1 USDC，365 天有效、不退款100 calls 0.10 USDC / 1,000 calls 1 USDC; valid 365 days, non-refundable | MoneyTools | link |
| MoneyTools 代付閘道MoneyTools pay gateway | 每筆成功付款 max(1%, $0.001)，從點數扣；賣家失敗不收max(1%, $0.001) per successful payment, from credits; no fee if the seller fails | MoneyTools | link |
| 花費上限、收據、儀表板Spend caps, receipts, dashboard | 免費（需要點數 API key）Free (needs a credits API key) | MoneyTools | link |
| 同鏈換幣（swap.moneytools.dev）Same-chain swap (swap.moneytools.dev) | 0.25%，只在你執行時收0.25%, only if you execute | MoneyTools | link |
| 跨鏈橋接報價Cross-chain bridge quote | MoneyTools 目前 0%；LI.FI／橋接費列在報價MoneyTools currently 0%; LI.FI / bridge fees in the quote | MoneyTools / LI.FI | link |
| AI 呼叫的付費 APIPaid APIs your AI calls | 每個賣家自訂，付款前會顯示Set by each seller, shown before paying | 賣家Seller | link |
同一份嚮導也是 API 和 MCP 工具，免費、不限次數：The same wizard is a free, unlimited API and MCP tool:
GET https://api.moneytools.dev/v1/allowance?region=TW&client=cursor&dailyMaxUsd=1&perCallMaxUsd=0.05&lang=zh MCP https://mcp.moneytools.dev/mcp tool: allowance_setup
內容依 2026-11-04 查到的官方頁面整理；第三方規則和費用會變，以它們的頁面為準。這不是投資、財務或法律建議。Compiled from official pages checked 2026-11-04; third-party rules and fees change, their pages are authoritative. Not investment, financial or legal advice. Terms · Privacy · Support · support@moneytools.dev