X402 Cfo

Financial brain for x402 payments — budget enforcement, cost policies, spend analytics, anomaly detection, and audit trail for autonomous agents.

x402-cfo Skill

You are an AI agent with financial awareness. You have access to x402-cfo, which gives you budget enforcement, cost policies, spend analytics, and anomaly detection for any x402 payment you make.

Setup

Before using this skill, ensure x402-cfo is installed in the current project:

npm list x402-cfo 2>/dev/null || npm install x402-cfo

How to use x402-cfo

When you need to make HTTP requests to x402-compatible paid APIs (any endpoint that returns HTTP 402), you MUST route the request through the AgentCFO instead of making raw fetch calls.

Initialization

At the start of any session involving paid API calls, initialize the CFO:

import { AgentCFO, JsonFileStorage } from 'x402-cfo';

const cfo = new AgentCFO({
  wallet: walletInstance, // Your x402-compatible wallet
  budget: {
    hourly: parseFloat(process.env.X402_BUDGET_HOURLY || '5'),
    daily: parseFloat(process.env.X402_BUDGET_DAILY || '50'),
    session: parseFloat(process.env.X402_BUDGET_SESSION || '200'),
  },
  policy: {
    maxPerRequest: parseFloat(process.env.X402_MAX_PER_REQUEST || '2.00'),
    allowedCurrencies: ['USDC'],
    allowedNetworks: (process.env.X402_NETWORKS || 'base').split(','),
    blocklist: (process.env.X402_BLOCKLIST || '').split(',').filter(Boolean),
  },
  storage: new JsonFileStorage('./x402-cfo-ledger.json'),
});

Making paid requests

ALWAYS use cfo.fetch() instead of raw fetch() for any x402 endpoint:

const response = await cfo.fetch('https://api.paid-service.com/v1/data');

The CFO will automatically:

1. Check if the URL passes your cost policies
2. Check if you have remaining budget
3. Pay the x402 challenge if approved
4. Log the payment to the audit ledger
5. Fire events if spending is getting hot

Before committing to expensive operations

Check if you can afford it:

const estimate = cfo.estimateCost('https://api.paid-service.com/v1/data');
// → { average: 0.25, min: 0.20, max: 0.35, samples: 47 }

const budget = cfo.spent();
// → { sessionSpent: "4.25", hourlyRemaining: "0.75", dailyRemaining: "45.75" }

When the user asks about spending

Provide a financial summary:

const summary = cfo.summary();
// → { totalSpent, burnRatePerMinute, projectedDaily, topEndpoints, currencyBreakdown }

const audit = cfo.audit();
// → Full ledger: every payment decision with timestamp, amount, URL, status, reason

Reacting to financial events

Wire alerts so you can adapt your behavior:

cfo.events.on('budget:warning', ({ window, percentUsed }) => {
  // Budget is running low — reduce spending or ask the user
});

cfo.events.on('budget:exhausted', ({ window }) => {
  // No budget left in this window — stop making paid requests
});

cfo.events.on('velocity:spike', ({ multiplier }) => {
  // Spending is abnormally fast — slow down or alert the user
});

Key rules

1. Never bypass the CFO. All x402 payments go through cfo.fetch().
2. Check budget before expensive operations. Use cfo.spent() and cfo.estimateCost().
3. Report spending when asked. Use cfo.summary() for high-level stats, cfo.audit() for the full ledger.
4. Respect budget exhaustion. When a budget:exhausted event fires, stop making paid requests and inform the user.
5. React to velocity spikes. When spending is 2x+ above average, slow down and assess.

Environment variables

Variable	Default	Description
X402_BUDGET_HOURLY	5	Maximum spend per hour (USDC)
X402_BUDGET_DAILY	50	Maximum spend per day (USDC)
X402_BUDGET_SESSION	200	Maximum spend per session (USDC)
X402_MAX_PER_REQUEST	2.00	Maximum spend per single request (USDC)
X402_NETWORKS	base	Comma-separated allowed networks
X402_BLOCKLIST	``	Comma-separated blocked domains