# FiatDock
> USDC <-> bank for AI agents. Non-custodial (Transak handles funds & KYC). Pay $0.05 USDC per call via x402 on base-sepolia.

## Use
0. GET https://fiatdock.com/v1/quote?side=SELL&cryptoAmount=50 : free - see rate & fees first.
1. POST https://fiatdock.com/v1/offramp/session {"cryptoAmount":50,"email":"owner@mail.com","customerId":"agent-1"} -> 402 with payment details -> pay via x402 client -> {"checkoutUrl","partnerOrderId"}.
2. Forward checkoutUrl to your human owner (valid ~5 min, single use). Owner does KYC once, ever.
3. Poll GET https://fiatdock.com/v1/orders/{partnerOrderId} until COMPLETED - or pass callbackUrl in step 1 for pushed updates.
4. On-ramp: POST https://fiatdock.com/v1/onramp/session {"fiatAmount":100,"walletAddress":"0x..."}.
5. Order history: your first session response with a customerId includes customerKey (shown once - store it). Send it as X-Customer-Key on GET https://fiatdock.com/v1/customers/{customerId}/orders.

## Endpoints
- https://fiatdock.com/openapi.json : full spec
- https://fiatdock.com/tools.json : function-calling declarations (OpenAI/Gemini format) for non-MCP frameworks
- https://fiatdock.com/ : JSON manifest

## Quick start (copy-paste, no auth needed)
curl "https://fiatdock.com/v1/quote?side=SELL&cryptoAmount=50"      # free live quote
npx fiatdock-mcp                                          # 4 MCP tools, auto x402 pay
# SDK: const ramp = new FiatDock({ baseUrl, account }); await ramp.offramp({ cryptoAmount: 50 })

## Compliance rules (binding — apply to agents exactly as to humans)
- 18+ only. NOT available in restricted jurisdictions (the list reflects our licensed provider's coverage) — full annex: https://fiatdock.com/terms.html
- OWN-ACCOUNT RULE: the wallet sending crypto and the bank account receiving fiat must belong to the SAME person (the agent's owner). Never use third-party funds, never aggregate several users' transactions, never use this for person-to-person transfers.
- Crypto is volatile; total loss possible; quotes are indicative. Nothing here is investment advice.
- Risk warning: https://fiatdock.com/risk.html

## More
Full API walkthrough: https://fiatdock.com/llms-full.txt · FAQ: https://fiatdock.com/faq.html

## Errors
Every 4xx response includes a "hint" field with the exact fix, e.g.
{"error":"cryptoAmount is required for SELL quotes","hint":"GET /v1/quote?side=SELL&cryptoAmount=50"}