// MoneyTools payment-safety suite — suggested order for an agent about to pay.
// Free tiers (live, UTC day): Pay Precheck HTTP 5/IP/endpoint, MCP 20/client;
// Approval Relay 3/day; Settle free trial 50 calls / 7 days (or 0.005 USDC per check).
// This snippet does not sign a wallet or send a payment.

const PRECHECK = "https://api.moneytools.dev/v1/precheck";
const SETTLE = "https://settle.moneytools.dev/v1/spend/check";
const RELAY = "https://relay.moneytools.dev/v1/approvals";
const LEDGER = "https://ledger.moneytools.dev/v1/ledger";

export async function beforePay({ sellerUrl, payer, amountUsd, host, risk = "med" }: {
  sellerUrl: string; payer: string; amountUsd: string; host: string; risk?: "low" | "med" | "high";
}) {
  const pre = await fetch(`${PRECHECK}?url=${encodeURIComponent(sellerUrl)}`).then((r) => r.json());
  if (pre.verdict === "block" || pre.ok === false) return { proceed: false, step: "precheck", pre };

  const cap = await fetch(SETTLE, {
    method: "POST",
    headers: { "content-type": "application/json" },
    body: JSON.stringify({ payer, amountUsd, host }),
  }).then((r) => r.json());
  if (cap.allow === false) return { proceed: false, step: "spend_check", cap };

  const needsHuman = risk === "high" || cap.allow === false;
  if (needsHuman) {
    const appr = await fetch(RELAY, {
      method: "POST",
      headers: { "content-type": "application/json" },
      body: JSON.stringify({
        action_summary: `Pay ${amountUsd} USDC to ${host} at ${sellerUrl}`,
        risk,
        expires_in_s: 3600,
      }),
    }).then((r) => r.json());
    return { proceed: false, step: "approval_relay", approve_url: appr.approve_url, approval_id: appr.approval_id, poll_url: appr.poll_url };
  }

  return { proceed: true, pre, cap };
}

// After you pay with your own wallet (or Pay Gateway), record it:
// GET ${LEDGER}?days=7  with header X-API-Key (free for gateway users)
// or POST https://ledger.moneytools.dev/v1/ledger/wallet  { address, days }