Add vault payment MCP tools

README.md

@@ -292,7 +292,7 @@ Many other MCP-capable tools accept:
 
 Configure these values wherever the tool expects MCP server settings.
 
-## Tools (20 model-facing, plus 1 app-only helper)
+## Tools
 
 Each Kernel feature has a single `manage_*` tool with an `action` parameter, keeping the tool set small and consistent. Standalone tools handle high-frequency and interactive workflows.
 
@@ -316,6 +316,12 @@ Call `get_connection_context` before deciding whether to create or select a proj
 - `manage_auth_connections` - Create, list, get, update, delete, login, submit, inspect timelines, and wait for managed-auth connections in every client. Supports health-check and automatic re-auth settings, managed-auth browser configuration, and canonical interaction-bound field/choice submissions. Use domain-filtered `list` for discovery. App-capable clients additionally receive `open_auth_login`; the programmatic actions remain available there too.
 - `manage_credentials` - Create, list, get, update, and delete stored credentials; fetch a current TOTP code for credentials with a configured totp_secret.
 - `manage_credential_providers` - Create, list, get, update, and delete external credential providers (e.g. 1Password); list available items and test the provider connection.
+- `manage_vaults` - Create, list, get, and delete project-owned payment vaults.
+- `manage_vault_wallets` - Connect Link or AgentCard wallets and inspect live payment methods.
+- `manage_vault_cards` - Create card requests or replace their full specification; does not implicitly authorize Link cards.
+- `manage_vault_items` - List, get, invoke advertised operations, observe events, and delete vault items. Provider approvals remain user actions; ready does not mean paid.
+
+See [Vault payments](docs/vault-payments.md) for both provider flows, safety rules, and response shapes. `manage_browsers` accepts creation-only `vaults` references (max 20); existing sessions and pools cannot gain vault bindings. The four vault tools share the `vaults` toolset and prepare/observe credentials rather than submitting merchant payments. They are exposed only when `GET /org/entitlements` reports `features.vaults.enabled: true` for the current credential; missing or unavailable entitlements hide them. Toolset configuration cannot override this access check.
 
 ### Standalone tools
 

docs/vault-payments.md

@@ -0,0 +1,220 @@
+# Vault payments
+
+The vault tools prepare and observe payment credentials. They do **not** submit
+merchant payments, expose real card values, or complete provider approval actions.
+They use the same vault API as the Kernel CLI.
+
+**These are live payment cards. Test-mode creation is unsupported.** Do not assume
+that a development or staging MCP endpoint makes a card request a test transaction.
+
+## Tools and scope
+
+The four vault tools are exposed only when the current credential's
+`GET /org/entitlements` response reports `features.vaults.enabled: true`.
+Access is rechecked on every authenticated MCP request, including tool calls,
+without caching grants across requests or connections. A missing field, malformed
+response, or failed lookup hides the vault tools but leaves other toolsets usable.
+The lookup has a five-second timeout, forwards cancellation, and is not retried.
+The `vaults` toolset configuration can further restrict access, never grant it.
+
+| Tool                   | Actions                                     |
+| ---------------------- | ------------------------------------------- |
+| `manage_vaults`        | `create`, `list`, `get`, `delete`           |
+| `manage_vault_wallets` | `create`, `payment_methods`                 |
+| `manage_vault_cards`   | `create`, `update`                          |
+| `manage_vault_items`   | `list`, `get`, `invoke`, `events`, `delete` |
+
+Every tool accepts an optional `project` name or ID. Vaults are project-owned;
+omitting `project` uses the API's effective default project, **not** all projects.
+Project-scoped connections cannot switch projects. Use `get_connection_context`
+to inspect the connection's scope.
+
+`vault` accepts an ID or immutable name. `key` is an immutable item key within that
+vault, not the item ID. Vault names, item keys, and project ownership cannot be renamed.
+
+Wallet/card writes take a `provider` (`link` or `agentcard`) and a JSON `spec`
+**object**, not a string or a `{type, spec}` envelope. The tool injects `provider`;
+if present in `spec`, it must match. Tool schemas describe the provider-specific
+fields and reject unknown fields, including nested ones. No defaults or currency
+normalization are applied. Amounts are integer minor currency units. All integer
+inputs, including `expires_at`, must fit JavaScript's safe integer range; unsafe
+numbers are rejected, not silently rounded. The API enforces provider/state rules.
+
+These capabilities use the existing MCP authentication and deployment. To expose
+only payment tools on a self-hosted server, set:
+
+```sh
+KERNEL_MCP_ENABLED_TOOLSETS=vaults
+```
+
+For browser checkout automation too, use `vaults browsers playwright computer`.
+To hide the payment tools, set `KERNEL_MCP_DISABLED_TOOLSETS=vaults`.
+This filters discovery; API authorization still enforces resource access.
+
+## Link flow
+
+1. Create or retrieve a vault with `manage_vaults`:
+
+   ```json
+   { "action": "create", "name": "checkout" }
+   ```
+
+2. Connect a wallet with `manage_vault_wallets`:
+
+   ```json
+   {
+     "action": "create",
+     "vault": "checkout",
+     "key": "wallet-1",
+     "provider": "link",
+     "spec": {
+       "authorization": {
+         "method": "oauth",
+         "client": { "type": "kernel_managed" }
+       }
+     }
+   }
+   ```
+
+   Give the returned `item.action.url` to the user to complete with the provider.
+   Do not ask for card details or OAuth codes/tokens in chat. Observe the wallet
+   with `manage_vault_items`, `action: "get"`, the same vault/key, and `wait: 30`.
+
+3. Once connected, call `manage_vault_wallets` with `action: "payment_methods"`
+   and the same vault/key. Explicitly select a returned method ID with the user;
+   do not automatically choose the default. Capabilities are advisory: absent
+   means unknown, not ineligible.
+
+4. Create the purchase request with `manage_vault_cards`, replacing
+   `pm_selected` with the selected returned ID:
+
+   ```json
+   {
+     "action": "create",
+     "vault": "checkout",
+     "key": "order-1",
+     "provider": "link",
+     "spec": {
+       "wallet": "wallet-1",
+       "payment_method_id": "pm_selected",
+       "amount": 1234,
+       "currency": "usd",
+       "merchant_name": "Example Shop",
+       "merchant_url": "https://shop.example",
+       "context": "Purchase the selected office supplies from Example Shop for the approved order, with a total spending limit of 1234 minor currency units."
+     }
+   }
+   ```
+
+   Link also supports `line_items`, `totals`, `metadata`, and `expires_at`.
+   Creating or updating the card does **not** implicitly authorize it.
+
+5. Read `available_operations` with `manage_vault_items`, `action: "get"`.
+   Read the operation description and obtain explicit user approval before
+   invoking an advertised operation:
+
+   ```json
+   {
+     "action": "invoke",
+     "vault": "checkout",
+     "key": "order-1",
+     "operation": "authorize"
+   }
+   ```
+
+   The tool fetches the item again and submits only a currently advertised
+   operation. The current API accepts only `{"type":"authorize"}`; there are no
+   operation parameters. New parameterless operation names can be forwarded when
+   the API advertises them. Follow any returned provider action and observe state.
+   OAuth, enrollment, MFA, and approval actions are for the user, not operation names.
+
+6. When ready, create a new browser with `manage_browsers`:
+
+   ```json
+   {
+     "action": "create",
+     "vaults": [{ "name": "checkout" }]
+   }
+   ```
+
+   Use only returned `item.state.aliases` through the browser tools in **that
+   browser**, respecting returned permitted domains. Merchant checkout submission
+   is a separate browser action and requires the user's authorization.
+
+## AgentCard flow
+
+Use a separate vault or different immutable item keys. Create the vault as above,
+then connect a wallet with `manage_vault_wallets`:
+
+```json
+{
+  "action": "create",
+  "vault": "checkout",
+  "key": "agentcard-wallet",
+  "provider": "agentcard",
+  "spec": {}
+}
+```
+
+Complete the returned enrollment action. Alternatively, `spec.user_id` may refer
+to a user already enrolled in this organization. Once connected, configure a card
+with `manage_vault_cards`:
+
+```json
+{
+  "action": "create",
+  "vault": "checkout",
+  "key": "agentcard-order",
+  "provider": "agentcard",
+  "spec": {
+    "wallet": "agentcard-wallet",
+    "merchant": "Example Shop",
+    "amount": 1234,
+    "currency": "usd"
+  }
+}
+```
+
+AgentCard uses `merchant`, not Link's `merchant_name`. Optionally inspect wallet
+payment methods and provide a returned `card_id`; otherwise the cardholder selects
+one at approval. AgentCard currently does not advertise `authorize`: authorization
+happens at checkout. Attach the vault to a new browser and use returned aliases.
+Observe the card for its checkout authorization and any approval URL for the user.
+A reusable card remaining `ready` does not establish that the last payment succeeded.
+
+## Observation, updates, and safety
+
+- Single-item responses are JSON text containing `{item, guidance}`. They preserve
+  public state, non-secret aliases, masks, safe action/approval URLs, advertised
+  operations/expansions, and payment outcomes. Unknown provider fields, opaque
+  event data, free-form metadata, and URLs carrying OAuth codes/tokens are omitted.
+  API errors retain the HTTP status but use curated messages for recognized error
+  codes. Unknown codes use a generic fallback; upstream error text is never returned.
+  There is no raw-output or raw-card tool.
+- Vault lists return `{items, has_more, next_offset}`. Item lists return `{items}`.
+  `get` with `expand: ["payment_methods"]` is equivalent to the wallet
+  `payment_methods` action. An unavailable expansion returns an API error.
+- Only `get` and `events` accept `wait: 0..60`; other actions reject it.
+  `invoke` does not wait for authorization. Each observation is bounded,
+  not a background polling loop or readiness guarantee. The SDK timeout is the
+  wait plus 30 seconds; configure the MCP client's timeout accordingly, or use
+  shorter waits. Request cancellation is propagated to the SDK.
+- `events` accepts `after` and returns `{events, next_after, guidance}`. Pass
+  `next_after` on the next call for the same vault/key. An empty result preserves
+  the input cursor (or returns `null` without one).
+- **Ready does not mean paid.** Inspect state and immutable events for outcomes.
+  No vault request is automatically retried. After a failed, timed-out, rejected,
+  or indeterminate payment, inspect state/events; do not replay checkout, invoke
+  again, or reconfigure a card to retry it.
+- Card `update` replaces the **entire spec**; omitted optional fields are removed.
+  The API decides when a card can be reconfigured.
+- Browser attachments accept at most 20 references, each containing exactly one
+  `id` or `name`. They are creation-only and unavailable for browser pools. You
+  cannot add vaults to an existing browser. Vault-bound browser creation also
+  disables automatic SDK retries.
+- Provider-assigned permitted domains are not configurable through these tools.
+- Vault/item deletion invalidates the affected credentials. Confirm with the user
+  first. Any HTTP 404 returns `deleted_or_not_found`, including a missing project;
+  other errors fail. Non-delete 404s remain errors.
+- The existing analytics filter omits tool inputs, outputs, and error messages;
+  do not add payment payloads or action URLs to application logs.

package.json

@@ -40,7 +40,7 @@
     "@clerk/themes": "^2.4.19",
     "@modelcontextprotocol/sdk": "1.26.0",
     "@onkernel/managed-auth-react": "0.5.1",
-    "@onkernel/sdk": "^0.98.0",
+    "@onkernel/sdk": "^0.100.0",
     "@posthog/mcp": "0.10.1",
     "@types/jsonwebtoken": "^9.0.10",
     "@types/redis": "^4.0.11",

src/app/[transport]/route.test.ts

@@ -1,4 +1,5 @@
 import { afterEach, beforeEach, describe, expect, mock, test } from "bun:test";
+import { Kernel } from "@onkernel/sdk";
 import type { McpConnectionScopeFailureAnalytics } from "@/lib/mcp/analytics";
 import { defaultMcpDependencies } from "@/lib/mcp/dependencies";
 
@@ -137,6 +138,109 @@ describe("connection scope failures through the handler", () => {
   });
 });
 
+describe("vault entitlement routing", () => {
+  function installKernelResponses(entitlements: (token: string) => Response) {
+    const paths: string[] = [];
+    defaultMcpDependencies.createKernelClient = (token) =>
+      new Kernel({
+        apiKey: token,
+        baseURL: "https://api.example.test",
+        maxRetries: 0,
+        fetch: async (input) => {
+          const path = new URL(String(input)).pathname;
+          paths.push(path);
+          if (path === "/auth/context")
+            return Response.json({
+              authentication: {
+                method: "api_key",
+                source: "api_key",
+                credential_id: "key_test",
+              },
+              principal: { type: "api_key", id: "key_test" },
+              organization: { id: token === "sk_allowed" ? "org_a" : "org_b" },
+              authorization: {
+                credential_scope: { project_id: null },
+                effective_scope: { project_id: null },
+              },
+            });
+          if (path === "/org/entitlements") return entitlements(token);
+          throw new Error(`Unexpected API request: ${path}`);
+        },
+      });
+    return paths;
+  }
+
+  async function call(method: string, token = "sk_allowed", params?: object) {
+    const response = await POST(
+      new nextServer.NextRequest("https://mcp.example.test/mcp", {
+        method: "POST",
+        headers: {
+          Authorization: `Bearer ${token}`,
+          "Content-Type": "application/json",
+          Accept: "application/json, text/event-stream",
+        },
+        body: JSON.stringify({ jsonrpc: "2.0", id: 1, method, params }),
+      }),
+    );
+    expect(response.status).toBe(200);
+    const text = await response.text();
+    const event = text.split("\n").find((line) => line.startsWith("data: "));
+    return JSON.parse(event ? event.slice(6) : text);
+  }
+
+  test("selects tools per credential and rechecks access after revocation", async () => {
+    let enabled = true;
+    const paths = installKernelResponses((token) =>
+      Response.json({
+        features: { vaults: { enabled: token === "sk_allowed" && enabled } },
+      }),
+    );
+    const allowed = await call("tools/list");
+    expect(
+      allowed.result.tools.map((tool: { name: string }) => tool.name),
+    ).toContain("manage_vaults");
+    const denied = await call("tools/list", "sk_denied");
+    expect(
+      denied.result.tools.filter((tool: { name: string }) =>
+        tool.name.startsWith("manage_vault"),
+      ),
+    ).toHaveLength(0);
+    expect(
+      denied.result.tools.map((tool: { name: string }) => tool.name),
+    ).toContain("manage_browsers");
+    enabled = false;
+    const revoked = await call("tools/call", "sk_allowed", {
+      name: "manage_vaults",
+      arguments: { action: "list" },
+    });
+    expect(JSON.stringify(revoked)).toContain("not found");
+    expect(paths).toEqual([
+      "/auth/context",
+      "/org/entitlements",
+      "/auth/context",
+      "/org/entitlements",
+      "/auth/context",
+      "/org/entitlements",
+    ]);
+  });
+
+  test.each([200, 404, 503])(
+    "keeps other tools available when entitlements are absent or fail (HTTP %s)",
+    async (status) => {
+      installKernelResponses(() => Response.json({ features: {} }, { status }));
+      const result = await call("tools/list");
+      expect(
+        result.result.tools.filter((tool: { name: string }) =>
+          tool.name.startsWith("manage_vault"),
+        ),
+      ).toHaveLength(0);
+      expect(
+        result.result.tools.map((tool: { name: string }) => tool.name),
+      ).toContain("manage_browsers");
+    },
+  );
+});
+
 describe("connectionScopeFailureResponse", () => {
   test("names an inactive project instead of blaming the credential", async () => {
     const response = connectionScopeFailureResponse({