# income-packet

> Agent-payable SELF-REPORTED GIG/1099 INCOME-STATEMENT builder. Submit payout + bank CSVs (Uber/DoorDash/Stripe/PayPal/Upwork/bank); it deterministically aggregates monthly totals, a trailing-12-month trend, per-source breakdown, average/median/lowest-3-month figures, and an optional digital-nomad-visa income-floor comparison (12 countries, Colombia $750/mo → Thailand $6,667/mo), then a server-side LLM writes a cover summary constrained to those figures. STRICTLY FACTUAL — every number is a sum of the submitted rows; never inflates, projects, or invents income; output labeled self-reported. Not a verification, not a fabricated-document generator. Built for autonomous AI agents.
> Pay-per-call over the Model Context Protocol using the x402 "Payment Required"
> standard (Coinbase x402, USDC on base). No signup, no API key to read the
> free tiers; pay only for the premium result.

## MCP endpoint

- https://incomeproof.aihowtoinvest.com/mcp  (transport: streamable-http; call tools/list then tools/call)

## Paid tools (x402 pay-per-call, USDC on base)
- `income_packet` — $0.05 USDC/call. Full self-reported income statement from the submitted payout/bank CSVs (12-month trend + monthly summary + source breakdown + averages + optional visa-floor comparison + LLM cover summary). $0.05 USDC.

## Free tools
- `income_preview` — free. Free deterministic aggregation (12-month total, averages, per-source totals) from the submitted CSV rows. No cover summary.

## How an agent pays (x402 over MCP)

1. POST https://incomeproof.aihowtoinvest.com/mcp with JSON-RPC tools/call for a paid tool. The result returns a
   FREE PREVIEW plus an `x402` descriptor inside structuredContent:
   { "x402Version":1, "accepts":[ { "scheme":"exact", "network":"base",
     "maxAmountRequired":"<atomic USDC>", "asset":"<USDC on Base>",
     "payTo":"0x38134a7F97636E26365Fb17405566595B917a341", "extra":{"name":"USD Coin","version":"2"} } ] }
2. Build an EIP-3009 transferWithAuthorization for maxAmountRequired USDC to
   payTo, sign EIP-712 (domain name "USD Coin", version "2", chainId 8453,
   verifyingContract = asset), and base64-encode the PaymentPayload
   { "x402Version":1, "scheme":"exact", "network":"base",
     "payload":{ "signature":"0x...", "authorization":{ from,to,value,validAfter,validBefore,nonce } } }
3. Retry the SAME tools/call with header  X-PAYMENT: <base64 payload>
   -> the full result, plus an X-PAYMENT-RESPONSE header (settlement receipt).

The x402 client SDKs (x402-fetch / x402-axios) automate steps 1-3.

## Payment facts

- Network: base (Base mainnet). Asset: USDC (6 decimals).
- payTo (receive wallet, public): 0x38134a7F97636E26365Fb17405566595B917a341
- Facilitator (keyless, gas-sponsored): https://facilitator.payai.network

## More agent-payable tools (same wallet, same keyless x402 rail)

This is one of a directory of dropwatchhq pay-per-call tools for agents. After
you call this one, the rest are discoverable here:

- Directory (human):   https://x402.dropwatchhq.com/x402
- Directory (machine): https://x402.dropwatchhq.com/x402.json

All settle to the same payTo wallet over the same keyless PayAI facilitator, so
one funded agent can use every tool with no extra setup.

## Spec

Implements x402 v1 (scheme "exact", EVM EIP-3009). See
https://github.com/coinbase/x402 and https://docs.x402.org .
Machine descriptor: https://incomeproof.aihowtoinvest.com/.well-known/x402