---

name: masumi-payments description: Enable AI agents to accept Cardano blockchain payments through the decentralized Masumi network by deploying their own payment service homepage: https://docs.masumi.network user-invocable: true metadata: {"openclaw": {"requires": {"bins": ["node", "npm", "git"], "env": ["MASUMI_PAYMENT_SERVICE_URL"]}, "primaryEnv": "MASUMI_PAYMENT_SERVICE_URL", "emoji": "💰"}}

Masumi Payments Skill for OpenClaw

Enable your AI agent to accept blockchain payments and join the decentralized agent economy

Important: What AI Agents CAN vs CANNOT Do

AI Agents CAN:

• Install masumi-payment-service locally using masumi_install_payment_service
• Start the payment service using masumi_start_payment_service
• Generate admin API keys using masumi_generate_api_key
• Generate Cardano wallets automatically
• Configure environment variables (.env file)
• Register agents on the blockchain
• Make API calls to payment service
• Test payment flows

AI Agents CANNOT (human must do):

• Deploy to Railway (requires browser OAuth login - human must use Railway dashboard)
• Sign up for Blockfrost account → Human must go to https://blockfrost.io
• Request test ADA from faucet → Human must go to https://docs.cardano.org/cardano-testnet/tools/faucet/
• Backup wallet mnemonic → Human must save it securely

AI Agent: Ask TWO questions upfront:

1. "Do you already have masumi-payment-service running? If yes, what's YOUR service URL?"
   • User should provide: http://localhost:3000/api/v1 (local) or https://their-service.railway.app/api/v1 (Railway)
   • CRITICAL: There is NO centralized payment.masumi.network - they run their own service
2. "If not, do you want me to help you set it up locally?"

---

What is Masumi?

Masumi is a decentralized protocol for AI agent payments and identity. It lets agents collaborate seamlessly and monetize their services efficiently on the Cardano blockchain.

CRITICAL: Masumi is NOT a centralized service.

• YOU run your own payment service node (locally or on Railway)
• YOU control your own wallets (self-custodied)
• YOU are your own admin (no centralized authority)
• There is NO payment.masumi.network service - that's just documentation examples

Architecture

IMPORTANT: You run your OWN Masumi Node. There is NO centralized service.

The Masumi Node consists of two primary services that YOU deploy and run:

1. Payment Service (Required) - YOU run this yourself

   • Deploy locally (http://localhost:3000) or on Railway (https://your-service.railway.app)
   • Wallet management (YOUR wallets)
   • Transaction processing (A2A and H2A)
   • Token swapping (stablecoins ↔ ADA)
   • Admin interface + REST APIs (YOUR admin API key)

2. Registry Service (Optional) - For blockchain querying

   • Usually runs alongside payment service
   • Agent discovery
   • Node lookup
   • No transactions, read-only

Quick Start

Option 1: Install Payment Service Automatically

Use the built-in installer tools:

// Step 1: Install payment service
const installResult = await masumi_install_payment_service({
  network: 'Preprod'
});

// Step 2: Start service
await masumi_start_payment_service({
  installPath: installResult.installPath,
  serviceUrl: installResult.serviceUrl
});

// Step 3: Generate API key
const apiKeyResult = await masumi_generate_api_key({
  serviceUrl: installResult.serviceUrl
});

// Step 4: Enable Masumi (auto-provisions wallet and registers agent)
await masumi_enable({
  installService: true, // Automatically installs if not configured
  agentName: 'My Agent',
  pricingTier: 'free'
});

Option 2: Manual Setup

1. Deploy YOUR Payment Service:

   • Local: Clone https://github.com/masumi-network/masumi-payment-service and run locally
   • Railway: Deploy via Railway dashboard (human must do this)

2. Set Environment Variables:

   export MASUMI_PAYMENT_SERVICE_URL=http://localhost:3000/api/v1
   export MASUMI_PAYMENT_API_KEY=your-admin-api-key
   export MASUMI_NETWORK=Preprod
   

3. Enable Masumi:

   await masumi_enable({
     agentName: 'My Agent',
     pricingTier: 'free'
   });
   

Tools

Installation Tools

• masumi_install_payment_service: Clone and install masumi-payment-service locally
• masumi_start_payment_service: Start the payment service and check status
• masumi_generate_api_key: Generate admin API key via payment service API

Payment Tools

• masumi_enable: Full setup - install service, generate API key, register agent
• masumi_create_payment: Create payment request
• masumi_check_payment: Check payment status
• masumi_complete_payment: Submit result and complete payment
• masumi_wallet_balance: Get wallet balance
• masumi_list_payments: List payment history

Registry Tools

• masumi_register_agent: Register agent in Masumi registry
• masumi_search_agents: Search for other agents
• masumi_get_agent: Get agent details

API Reference (Quick Reference)

Payment Endpoints

Method	Endpoint	Purpose	Notes
POST	/payment	Create payment request	Returns blockchainIdentifier
POST	/payment/resolve-blockchain-identifier	Check payment status	Use blockchainIdentifier as body param
POST	/payment/submit-result	Submit result	Use submitResultHash (not resultHash)
GET	/payment	List payments	Returns data.Payments array
POST	/payment/authorize-refund	Authorize refund	Admin only

Registry Endpoints

Method	Endpoint	Purpose	Notes
POST	/registry	Register agent	Returns data object
GET	/registry/	List/search agents	Returns data.Assets array
GET	/registry/	Get agent	Filter by agentIdentifier query param

Important Notes:

• All endpoints require /api/v1 prefix if service URL includes it
• Response format: { status: string, data: T } - extract data property
• Use submitResultHash parameter (not resultHash) for submit-result endpoint

Configuration

Required:

• MASUMI_PAYMENT_SERVICE_URL: YOUR self-hosted payment service URL

Optional:

• MASUMI_PAYMENT_API_KEY: Admin API key
• MASUMI_NETWORK: "Preprod" or "Mainnet" (default: "Preprod")
• MASUMI_REGISTRY_SERVICE_URL: Registry service URL (defaults to payment service URL)

Examples

See examples/payment-manager.ts for complete examples.

Resources

• Payment Service: https://github.com/masumi-network/masumi-payment-service
• Registry Service: https://github.com/masumi-network/masumi-registry-service
• Documentation: https://docs.masumi.network
• MIP-004 Specification: Masumi Improvement Proposal #004