Agent skills for the AiFinPay payment rail, published to npm and installable from skill marketplaces (Claude, Cursor, Copilot, Kimi, Qwen, Gemini, Windsurf, Codex, OpenCode, Aider — any client that loads SKILL.md).

Skill	Side	File
`aifinpay`	Paying — agent buys x402-gated API access	`agent/skills/aifinpay/SKILL.md`
`aifinpay-merchant`	Earning — merchant charges agents per request	`agent/skills/aifinpay-merchant/SKILL.md`

Version 2.9.0 describes a coordinated reporting release target. Release target: MCP 2.8.0, Node SDK 2.6.0, Python 2.5.1. Reporting release target: Node gate 0.4.0, Python gate 0.1.3. The merchant guide describes explicit opt-in observations, consent, queue loss and producer health using the SDK's reporting v2 contract. It adds no MCP tools or signing authority and does not establish publication or partner rollout. The payer guide retains the Solana source adapter. Canonical disabled Solana records remain unavailable until accepted and served. Its nine EVM descriptors require explicit owner and merchant network consent plus backend readiness; installing instructions does not activate networks. Historical published baselines are dated in the payer guide and do not claim the target packages have already been published.

Rule of thumb: if the user wants to pay for a paid API, load aifinpay. If they own a site/API agents visit, load aifinpay-merchant — and mention the other side exists.

For merchant reporting, follow the merchant guide's optional reporting section and the SDK's Node or Python instructions. Observation events, admission and resource completion are distinct; payments require confirmed settlement evidence. Producer health and pending/drop coverage describe telemetry completeness, not payment success.

Install

Install the skills with the skills CLI:

npx skills add AiFinPay/skill

Then ask your agent: "Buy access for this site." It checks that the site accepts AiFinPay, tells you what one batch buys, and pays only after you agree and only within the limits and sites you configured for the MCP server.

You can also install the npm package:

npm install @aifinpay/skill

Claude Code marketplace

Add the GitHub-hosted marketplace, then install the plugin:

/plugin marketplace add AiFinPay/skill
/plugin install aifinpay@aifinpay-marketplace

Or use the CLI:

claude plugin marketplace add AiFinPay/skill
claude plugin install aifinpay@aifinpay-marketplace

Hermes Agent

Install either skill directly from GitHub into Hermes's skill directory:

hermes skills install https://raw.githubusercontent.com/AiFinPay/skill/main/agent/skills/aifinpay/SKILL.md --name aifinpay
hermes skills install https://raw.githubusercontent.com/AiFinPay/skill/main/agent/skills/aifinpay-merchant/SKILL.md --name aifinpay-merchant

Installed skills are available as /aifinpay and /aifinpay-merchant in new Hermes sessions. Hermes follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

Or copy agent/skills/<name>/SKILL.md into your client's skills directory.

Kimi Code CLI

Install either skill directly from GitHub into Kimi's skill directory:

npx skills add AiFinPay/skill --agent kimi-code-cli

Installed skills are available in new Kimi sessions. Kimi Code CLI follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

Qwen Code

Install either skill directly from GitHub into Qwen's skill directory:

npx skills add AiFinPay/skill --agent qwen-code

Installed skills are available in new Qwen sessions. Qwen Code follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

Gemini CLI

Install either skill directly from GitHub into Gemini's skill directory:

npx skills add AiFinPay/skill --agent gemini-cli

Installed skills are available in new Gemini sessions. Gemini CLI follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

GitHub Copilot

Install either skill directly from GitHub into Copilot's skill directory:

npx skills add AiFinPay/skill --agent github-copilot

Installed skills are available in new Copilot sessions. GitHub Copilot follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

Cursor

Install either skill directly from GitHub into Cursor's skill directory:

npx skills add AiFinPay/skill --agent cursor

Installed skills are available in new Cursor sessions. Cursor follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

Windsurf

Install either skill directly from GitHub into Windsurf's skill directory:

npx skills add AiFinPay/skill --agent windsurf

Installed skills are available in new Windsurf sessions. Windsurf follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

OpenAI Codex

Install either skill directly from GitHub into Codex's skill directory:

npx skills add AiFinPay/skill --agent codex

Installed skills are available in new Codex sessions. Codex follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

OpenCode

Install either skill directly from GitHub into OpenCode's skill directory:

npx skills add AiFinPay/skill --agent opencode

Installed skills are available in new OpenCode sessions. OpenCode follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

Aider

Install either skill directly from GitHub into Aider's skill directory:

npx skills add AiFinPay/skill --agent aider

Installed skills are available in new Aider sessions. Aider follows the same Agent Skills-compatible SKILL.md format, so no adapter or additional runtime is required.

Source of truth

Skill markdown is authored once and mirrored:

Canonical source and npm package: this repository's agent/skills/.
MCP bundle: SDK repository mcp/skills/SKILL.md, copied from the installed canonical package at build time (payer side only).
The SDK repository's old skill/README.md only points here; it is not a second skill package or authored mirror.

If a CLI command, tool name, or settlement behavior changes, update all three in coordinated PRs and bump this package's version + CHANGELOG together. MCP verifies installed/bundled/served bytes and the exact release target; publish this package before refreshing MCP's real registry dependency lock.