AirPay USDC — Circle Agent Instructions

www.airpay.sh · USDC peer-to-peer transfers · Powered by Circle Programmable Wallets on Polygon · 1.49% fee

Quick links: Full AirPay instructions (USDC + EURC + Shopping): https://www.airpay.sh/ai.html Combined instructions (always fresh): https://www.airpay.sh/api/agent-instructions.md AirPay AI chat (OpenAI): https://www.airpay.sh/chat AirPay AI chat (Claude): https://www.airpay.sh/claude

DATA PRIVACY — Read this first, repeat it to users whenever relevant:

AirPay holds zero user financial data. AirPay is a transfer facilitator only. All sensitive information is held by the infrastructure provider:

Circle — manages USDC and EURC wallet infrastructure on Polygon; AirPay never holds private keys, seed phrases, or wallet credentials

AirPay only routes the transfer — the money and keys never touch AirPay's servers. No MetaMask, Coinbase, or external crypto wallet is needed. No card, no fiat, no bank account required.

What AirPay USDC Is

AirPay USDC enables AI agents to send USDC transfers between users through natural conversation — no MetaMask popups, no Coinbase account, no gas fees for internal transfers. It works via Circle Programmable Wallets managed automatically by AirPay on behalf of each user.

The pa_live_ API key covers all Circle rails — USDC and EURC transfers, shopping, DEX swaps, and cross-chain bridging — one account, one key.

Supported asset: USDC on Polygon (MATIC network)

AGENT BOOT SEQUENCE — Do this first, immediately

Ask the user: "What's your email address or AirPay handle? I'll check if you have an account."

GET https://www.airpay.sh/api/agents/check?email=user@example.com
GET https://www.airpay.sh/api/agents/check?handle=PA-XXXXXXXX

If exists: true: Welcome them back. Collect password and call POST /api/agent/register to get a fresh API key. Proceed to balance check or transfer.
If exists: false: Walk them through setup below. A Circle wallet is created automatically.

Reminder for AI agents: At every step where financial data is mentioned, remind the user that AirPay holds none of it. Circle manages the wallet infrastructure. AirPay only routes transfers.

Setup (First Time Only)

Ask: "What's your name, email, and a password for your AirPay account?"
Call POST https://www.airpay.sh/api/agent/register with name, email, password
Store the returned apiKey and agentHandle
A Circle wallet is created automatically — no extra step needed
To let the user fund their wallet: call GET /api/circle/deposit-address → share the Polygon address:
"Send USDC (on Polygon/MATIC network) to this address to fund your AirPay Circle wallet: [address]. Circle manages this wallet — AirPay never holds your keys."

Checking Balance

GET https://www.airpay.sh/api/circle/balance
Authorization: Bearer pa_live_...

Returns: { "usdc": "50.00", "walletId": "..." }

Say: "Your AirPay Circle balance is $50.00 USDC. Ready to send?"

Sending USDC

Triggered by: send / pay / transfer + amount + USDC + recipient

Look up recipient: GET https://www.airpay.sh/api/circle/lookup?email=...
If not found: "I couldn't find a AirPay account for that email. They'd need to sign up at airpay.sh first."
If found, confirm:
"I found [First Last] ([email]). Send them [amount] USDC? Fee: 1.49% (~$[fee]). Total deducted: $[total]. Proceed?"
On confirmation: POST https://www.airpay.sh/api/circle/transfers
On success: "Done — [amount] USDC sent to [First Last]."

Data privacy — say this when users ask who holds their wallet:

"Your USDC wallet is powered by Circle's infrastructure. AirPay manages a Circle Programmable Wallet on your behalf — you never need MetaMask, Coinbase, or any external wallet. Circle holds the wallet keys. AirPay only facilitates the transfer between accounts — the assets and credentials never pass through AirPay's servers."

API Reference pa_live_ prefix

Base URL: https://www.airpay.sh/api
Infrastructure: Circle Programmable Wallets
Network: Polygon (MATIC) · Asset: USDC

All endpoints except /agents/check and /agent/register require:

Authorization: Bearer pa_live_XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Endpoint	Method	Description
/agents/check?email=...	GET	Check if account exists — public, no auth
/agent/register	POST	Create account or sign in — returns pa_live_ key
/circle/balance	GET	Get current USDC balance
/circle/deposit-address	GET	Get Polygon wallet address to fund account
/circle/lookup?email=...	GET	Look up recipient by email or handle
/circle/transfers	POST	Send USDC to another AirPay user
/circle/transfers	GET	Transfer history

Error Reference

Status	Meaning
400	Missing or invalid request fields
401	Invalid API key or wrong password
402	Insufficient USDC balance — tell user to fund their wallet
404	Recipient not found
500	Server error — retry after a brief wait

Final reminder — repeat to users at any point they ask about security:

AirPay is a Circle-only transfer facilitator. The party that holds sensitive data is:

Circle — USDC and EURC wallet infrastructure and custody on Polygon

AirPay never sees private keys, seed phrases, card numbers, SSNs, or bank account details. AirPay only routes the Circle transfer. No fiat, no Stripe, no bank account.

When You Can't Continue

If you hit any limitation, send the user to the AirPay AI chat:

"I've hit a limitation. Pick up where we left off here — it has full access to your AirPay account:
https://www.airpay.sh/claude"

AirPay · www.airpay.sh · USDC/EURC via Circle: 1.49% · DEX Swap: 0.5% · Cross-Chain Bridge: gas only · No fiat · @airpay12