vrsai · Capabilities Payout Preflight

import { wrapFetchWithPayment } from "@x402/fetch";
import { privateKeyToAccount } from "viem/accounts";

const account = privateKeyToAccount(process.env.PRIVATE_KEY);
const fetchWithPay = wrapFetchWithPayment(fetch, account);

const res = await fetchWithPay("https://api.vrsai.tech/v1/capabilities/payout_preflight", {
  method: "POST",
  headers: { "Content-Type": "application/json" },
  body: JSON.stringify({
    "history": {
      "completeness": "complete",
      "entries": [
        {
          "amount_minor": "150000",
          "currency": "EUR",
          "destination": {
            "iban": "PT50000201231234567890154",
            "scheme": "iban"
          },
          "occurred_at": "2026-01-14T09:00:00Z",
          "reference": "INV-2025-4410"
        }
      ]
    },
    "payout": {
      "amount_minor": "185000",
      "beneficiary_id": "supplier_123",
      "currency": "EUR",
      "destination": {
        "iban": "PT50000201231234567890154",
        "scheme": "iban"
      },
      "payout_id": "pay_8831",
      "rail": "sepa_credit_transfer",
      "reference": "INV-2026-8831"
    },
    "trusted_baseline": {
      "beneficiary_id": "supplier_123",
      "currency": "EUR",
      "destination": {
        "iban": "PT50000201231234567890154",
        "scheme": "iban"
      },
      "expected_amount_minor": "185000",
      "rail": "sepa_credit_transfer"
    }
  }),
});
const data = await res.json();

curl -X POST \
  "https://api.vrsai.tech/v1/capabilities/payout_preflight" \
  -H "Content-Type: application/json" \
  -d '{"history":{"completeness":"complete","entries":[{"amount_minor":"150000","currency":"EUR","destination":{"iban":"PT50000201231234567890154","scheme":"iban"},"occurred_at":"2026-01-14T09:00:00Z","reference":"INV-2025-4410"}]},"payout":{"amount_minor":"185000","beneficiary_id":"supplier_123","currency":"EUR","destination":{"iban":"PT50000201231234567890154","scheme":"iban"},"payout_id":"pay_8831","rail":"sepa_credit_transfer","reference":"INV-2026-8831"},"trusted_baseline":{"beneficiary_id":"supplier_123","currency":"EUR","destination":{"iban":"PT50000201231234567890154","scheme":"iban"},"expected_amount_minor":"185000","rail":"sepa_credit_transfer"}}' \
  -H "X-PAYMENT: <signed x402 payment>"

{
  "candidate": {
    "amount_minor": "185000",
    "beneficiary_id": "supplier_123",
    "currency": "EUR",
    "destination_fingerprint": "sha256:5546cc5c8e73ac86f8251a94c345ee548e1a4f5bde7bf10e6fb2e12dec95c620",
    "destination_scheme": "iban",
    "payout_fingerprint": "sha256:c2219e731b7102ae397b1e09195a2fd73d5896778452fba41bc23ba090c7be71",
    "payout_id": "pay_8831"
  },
  "checks": [
    {
      "evidence": {
        "checksum_valid": true,
        "country": "PT",
        "country_length_checked": true,
        "iban_masked": "…0154",
        "scheme": "iban"
      },
      "id": "destination_structural_validity",
      "status": "PASS"
    },
    {
      "evidence": {
        "form": "raw",
        "supplied": true
      },
      "id": "trusted_baseline_presence",
      "status": "PASS"
    },
    {
      "evidence": {
        "changed": false,
        "compared": true
      },
      "id": "destination_match",
      "status": "PASS"
    },
    {
      "evidence": {
        "changed": false,
        "compared": true
      },
      "id": "beneficiary_id_match",
      "status": "PASS"
    },
    {
      "evidence": {
        "changed": false,
        "compared": true
      },
      "id": "currency_match",
      "status": "PASS"
    },
    {
      "evidence": {
        "changed": false,
        "compared": true
      },
      "id": "rail_match",
      "status": "PASS"
    },
    {
      "evidence": {
        "compared": false
      },
      "id": "reference_match",
      "status": "PASS"
    },
    {
      "evidence": {
        "compared": false
      },
      "id": "purpose_code_match",
      "status": "PASS"
    },
    {
      "evidence": {
        "compared": false
      },
      "id": "bic_match",
      "status": "PASS"
    },
    {
      "evidence": {
        "delta_minor": "0"
      },
      "id": "expected_amount_match",
      "status": "PASS"
    },
    {
      "evidence": {
        "compared": false
      },
      "id": "max_amount_policy",
      "status": "PASS"
    },
    {
      "evidence": {
        "compared": false
      },
      "id": "allowed_currency",
      "status": "PASS"
    },
    {
      "evidence": {
        "compared": false
      },
      "id": "allowed_destination_scheme",
      "status": "PASS"
    },
    {
      "evidence": {
        "history_entries_considered": 1
      },
      "id": "exact_duplicate_payout",
      "status": "PASS"
    },
    {
      "evidence": {
        "compared": true,
        "matched": false
      },
      "id": "duplicate_reference",
      "status": "PASS"
    },
    {
      "evidence": {
        "matched": true
      },
      "id": "destination_first_seen",
      "status": "PASS"
    }
  ],
  "coverage": {
    "checks_not_performed": [
      "max_amount_policy",
      "allowed_currency_and_scheme_policy",
      "bank_account_existence_verification",
      "beneficiary_ownership_verification",
      "verification_of_payee",
      "sanctions_screening",
      "aml_screening",
      "kyc",
      "fraud_scoring",
      "payment_settlement_confirmation",
      "aba_routing_directory_lookup",
      "evm_rpc_or_bytecode_inspection",
      "payment_submission"
    ],
    "checks_performed": [
      "destination_structural_validity",
      "trusted_baseline_comparison",
      "expected_amount_policy",
      "exact_duplicate_payout",
      "duplicate_reference",
      "destination_first_seen"
    ],
    "complete_for_declared_scope": true,
    "history": "complete",
    "trusted_baseline": "raw"
  },
  "decision": "PROCEED",
  "machine_action": "AUTHORIZATION_NOT_BLOCKED_BY_PREFLIGHT",
  "reason_codes": [],
  "ruleset_version": "payout_preflight_r1"
}