rapay

# Ra Pay — AI-Native Fiat Payments

Ra Pay is the first CLI-native payment platform built for AI agents. It lets you send compliant fiat USD payments using simple CLI commands. Every payment goes through Stripe's regulated infrastructure with full compliance screening.

**This skill teaches you how to use the Ra Pay CLI to send business payments on behalf of your user.**

## Installation

```bash
npm install -g @rapay/cli
```

Verify installation:

```bash
ra --version
```

Expected output: `ra-cli 1.5.0` or later.

## One-Time Setup

Before sending payments, the user must complete account setup. The steps depend on whether they want to **send**, **receive**, or **both**.

### Setup Paths

| Goal | Required Command | What It Does |
|------|-----------------|--------------|
| **Send payments** | `ra add-card` | Saves a credit card via Stripe Checkout (no bank account needed) |
| **Receive payments** | `ra link-bank` | Connects a bank account via Stripe Connect (for payouts) |
| **Both** | `ra add-card` + `ra link-bank` | Full sender + receiver setup |

### To Send: Add a Credit Card

```bash
ra add-card
```

This opens a Stripe Checkout page in the browser where the user securely saves a credit card. Once complete, the card is stored with Stripe (not locally) and payments can be sent immediately. No bank account or Stripe Connect onboarding is needed to send.

### To Receive: Link a Bank Account

```bash
ra link-bank
```

This opens a Stripe-hosted flow in the browser where the user connects their bank account via Stripe Connect. Once complete, the CLI stores the session locally. This is required to **receive** payments — senders do not need this step.

To reconnect an existing verified account:

```bash
ra link-bank --account acct_XXXXXXXXX
```

### Accept Terms of Service

```bash
ra accept-tos
```

The user must accept Ra Pay's Terms of Service before sending any payments.

Check TOS status at any time:

```bash
ra tos-status
```

### Verify Account

```bash
ra wh...

# Ra Pay — OpenClaw Skill

Send compliant fiat USD payments from your AI agent using the Ra Pay CLI.

Ra Pay is the first CLI-native payment platform built for AI agents. It enables business-to-business payments through Stripe's regulated infrastructure with built-in compliance screening, two-step confirmation, and structured JSON output for agents.

## Quick Start

### 1. Install the CLI

```bash
npm install -g @rapay/cli
```

### 2. Set Up Your Account

```bash
# To send payments:
ra add-card        # Save a credit card via Stripe Checkout

# To receive payments:
ra link-bank       # Connect your bank account via Stripe Connect

# Then:
ra accept-tos      # Accept Terms of Service
ra whoami          # Verify your account is ready
```

### 3. Send a Payment

```bash
# Preview (no charge)
ra send 100 USD to acct_RECIPIENT --for "Consulting work - Invoice #42" --json

# Execute (after reviewing the preview)
ra send 100 USD to acct_RECIPIENT --for "Consulting work - Invoice #42" --json --confirm
```

### 4. Check Your Balance

```bash
ra balance --json
```

## How It Works

1. **Install** — `npm install -g @rapay/cli` gets you the `ra` command
2. **Set up** — `ra add-card` to send (credit card) or `ra link-bank` to receive (bank account)
3. **Send** — Every payment goes through a two-step flow: preview fees first, then confirm
4. **Compliance** — Ra Pay validates that every payment has a legitimate business purpose

## Features

- **Two-step confirmation** — Always preview fees before executing payments
- **Business compliance** — Built-in validation ensures payments are for legitimate business purposes
- **JSON output** — Structured responses for AI agents via `--json` flag
- **Stripe-backed** — All payments processed through Stripe's regulated infrastructure
- **Cross-platform** — Works on macOS, Linux, and Windows

## All Commands

| Command | Description |
|---------|-------------|
| `ra add-card` | Save credit card for sending payments |
| `ra link-bank` | Connec...