@merchantguard/agent-sdk

@merchantguard/agent-sdk

Compliance infrastructure for AI agents. GuardScore, 14 vertical coaches, real-time alerts, PSP matching.

npm install @merchantguard/agent-sdk

Quick Start

import { createClient } from '@merchantguard/agent-sdk';

const guard = createClient();

// Check wallet compliance
const result = await guard.checkWallet('0x...');
console.log(`Score: ${result.score}, Approved: ${result.approved}`);

// Ask the CBD compliance coach
const decision = await guard.coach.cbd('Can I sell delta-8 gummies online?');
console.log(decision.answer);

// Get critical alerts
const alerts = await guard.alerts.critical(['cbd', 'crypto']);

Features

Feature	Description
Wallet Verification	GuardScore (0-100) + NFT passport check
14 Compliance Coaches	CBD, Crypto, Nutra, VAMP, Gaming, Adult, and more
Real-time Alerts	PSP policy changes, regulatory updates, VAMP warnings
PSP Matching	Find processors that accept your vertical
Passport Management	Soulbound NFT on Base/Arbitrum

Compliance Coaches

Access 14 vertical-specific AI compliance coaches:

// Ask any coach
const decision = await guard.coach.ask('cbd', 'What health claims can I make?');

// Shorthand methods
await guard.coach.cbd('Can I ship to Idaho?');
await guard.coach.crypto('Do I need a money transmitter license?');
await guard.coach.nutra('What are the FTC rules for free trials?');
await guard.coach.vamp('My chargeback rate is 1.2%, what should I do?');
await guard.coach.highRisk('Stripe rejected me, what now?');
await guard.coach.pspMatch('I need processing for CBD doing $50k/month');

Available Verticals

Vertical	Coach Focus
cbd	THC compliance, COA requirements, shipping restrictions
crypto	KYC/AML, Travel Rule, MTL licensing
nutra	FTC claims, Click-to-Cancel, subscription rules
adult	2257 compliance, age verification, billing descriptors
gaming	State licensing, UIGEA, responsible gambling
travel	Future delivery risk, cancellation policies
ticketing	Primary/secondary market, delivery guarantees
subscriptions	Cancellation flows, auto-renewal disclosures
ecommerce	PCI DSS 4.0, return policies, FTC Mail Order Rule
bnpl	CFPB rules, fee disclosures, credit reporting
mexico	CNBV, Ley Fintech, SPEI/CoDi
vamp	GuardPay Health Bands, remediation planning
high-risk	MATCH list recovery, reserve negotiation
psp-match	PSP recommendations based on vertical + volume
telehealth	HIPAA, Ryan Haight Act, state licensing

Decision Object Response

interface DecisionObject {
  vertical: string;
  decision: 'allow' | 'block' | 'allow_with_conditions' | 'require_human_review';
  risk_level: 'low' | 'medium' | 'high' | 'critical';
  confidence: number;
  required_actions: Array<{
    id: string;
    severity: 'must' | 'should' | 'recommended';
    description: string;
  }>;
  policy_citations: Array<{
    source: string;
    id: string;
    title: string;
  }>;
  answer: string;
  disclaimer: string;
}

Wallet Verification

const result = await guard.checkWallet('0x...');

console.log({
  approved: result.approved,       // true/false
  score: result.score,             // 0-100
  riskLevel: result.riskLevel,     // LOW | MEDIUM | HIGH | CRITICAL
  hasNFT: result.hasNFT,           // Has GuardScore passport NFT
  credentials: result.credentials, // ['MGPASS', 'MGKYB', etc.]
});

Batch Verification

const wallets = ['0x...', '0x...', '0x...'];
const results = await guard.checkMultipleWallets(wallets);

results.forEach((result, wallet) => {
  console.log(`${wallet}: ${result.score}`);
});

Pre-Trade Check

const check = await guard.beforeTrade({
  protocol: 'GMX',
  counterparty: '0x...',
  amount: '10000',
});

if (!check.approved) {
  console.log(`Blocked: ${check.reason}`);
}

Alerts

// Get all alerts for your verticals
const alerts = await guard.alerts.list({
  verticals: ['cbd', 'crypto'],
  maxResults: 10,
  minSeverity: 5,
});

// Critical only (severity >= 8)
const critical = await guard.alerts.critical(['cbd']);

// Subscribe to webhook
await guard.alerts.subscribe('https://your-agent.com/webhook', ['cbd', 'crypto']);

Alert Format

interface Alert {
  id: string;
  title: string;
  summary: string;
  severity: number;  // 1-10
  category: 'PSP' | 'Regulatory' | 'Compliance' | 'Industry' | 'VAMP';
  source: string;
  date: string;
  industries: string[];
  actionRequired?: string;
}

PSP Matching

const matches = await guard.psp.match({
  vertical: 'cbd',
  monthly_volume: 50000,
  region: 'US',
  current_issues: ['Stripe rejected'],
});

console.log(matches.matched_psps);
// [
//   { name: 'Durango', fit_score: 95, ... },
//   { name: 'Payzli', fit_score: 90, ... },
//   { name: 'PayKickstart', fit_score: 85, ... }
// ]

GuardScore & VAMP

// Calculate GuardScore
const score = await guard.guardscore.calculate({
  chargebackRatio: 0.8,
  refundRate: 5,
  accountAge: 365,
  vertical: 'cbd',
});

// Get health band (instant, no API call)
const band = guard.guardscore.getHealthBand(1.2);
// { band: 'ELEVATED', threshold: '1.1% - 1.7%', action: 'Immediate action required...' }

GuardPay Health Bands

Band	Threshold	Action
SAFE	< 0.9%	Maintain current practices
WARNING	0.9% - 1.1%	Take preventive action
ELEVATED	1.1% - 1.7%	Implement RDR and 3DS
CRITICAL	> 1.7%	Contact acquirer immediately

Note: These are internal conservative thresholds. Always verify official Visa VAMP thresholds with your acquirer.

Passport (NFT)

// Check passport
const passport = await guard.passport.get('0x...');
if (passport) {
  console.log(`Tier: ${passport.tier}, Score: ${passport.score}`);
}

// Issue passport (requires API key)
const guard = createClient({ apiKey: 'your-key' });
await guard.passport.issue({ wallet: '0x...', initialScore: 75 });

// Update score
await guard.passport.updateScore('0x...', 85);

Configuration

const guard = createClient({
  apiUrl: 'https://merchantguard.ai/api',  // API endpoint
  apiKey: 'your-api-key',                   // For authenticated ops
  network: 'arbitrum',                      // or 'base'
  minScore: 60,                             // Minimum for approval
  requireNFT: false,                        // Require passport NFT
  strictMode: false,                        // Only verified wallets
  cacheTTL: 300000,                         // Cache 5 minutes
});

Access Methods

Method	URL	Best For
NPM Package	npm install @merchantguard/agent-sdk	AI agents, Node.js apps
MCP Server	https://merchantguard-mcp-810654658669.us-central1.run.app	Claude.ai, MCP clients
REST API	https://merchantguard.ai/api/v2/coach/{vertical}	Any HTTP client
OpenClaw Skill	openclaw skill install guardbot-verification	OpenClaw agents

Links

• Landing Page: https://merchantguard.ai/guardbot
• MCP Docs: https://merchantguard.ai/docs/mcp
• API Reference: https://merchantguard.ai/docs/api
• GitHub: https://github.com/MerchantGuard/agent-sdk

License

MIT - See LICENSE file

Built with love by MerchantGuard