IoMarkets Topup

Buy real-world things for your principal with USDC on Algorand via x402 — travel eSIMs for 197 destinations, and mobile airtime and data top-ups in 150+ countries delivered to any phone number. Use when the user is travelling and needs data abroad, asks to recharge or top up a phone, buys mobile data, or checks a USDC→local FX rate. No account, no card; signed proof of delivery; automatic on-chain refunds. Prepaid bills and international payouts are built but supplier-gated — GET /v1/catalog is the live answer.

Real-world checkout for agents. Four HTTP calls, or the iomarkets-topup MCP server (pnpm mcp in the repo).

What is live

Two products, both selling today:

• type: "esim" — travel eSIMs, 197 destinations. $0.50–$50 a package. There is no recipient: an eSIM is delivered to the buyer as an LPA activation string they install on their own phone. GET /v1/countries?type=esim lists every destination; GET /v1/catalog?type=esim&country=JP lists the packages for one.
• type: "topup" — mobile airtime and data, 150+ countries, delivered to a phone number.

type: "bill" and type: "payout" (international payments) are implemented end to end — same quote, same settlement, same signed receipt — but each needs a supplier that is not currently wired. Do not offer those two on the strength of this file. GET /v1/catalog?type=<type> is the live answer and returns an empty list for anything unavailable; /agent.md names the live set in its first paragraph. A quote for an unavailable type is refused up front rather than accepted and then failed.

⚠️ eSIMs are sold for travel, on ordinary phones. The supplier's terms exclude routers, dongles, IoT devices, hotspots and automated background traffic. Do not buy one to put in a server.

When to use

• "I land in Tokyo on Tuesday — get me data for a week" → eSIM
• "Cheapest 5GB eSIM for Europe" · "Does this work in Georgia?" → GET /v1/countries?type=esim
• "Top up / recharge +91…, +234…, +995… with N (local currency)" → topup
• "Buy mobile data for this number" → topup
• "What's the USDC→INR rate?"

Procedure

1. Discover — GET https://iomarkets.app/v1/lookup?phone=<E.164> (operator + offers) or GET https://iomarkets.app/v1/catalog?type=esim&country=IN.
2. Quote — POST https://iomarkets.app/v1/quote with {type, offerId, recipient:{phone}, amount} (amount in the recipient's currency for range offers; omit for fixed bundles). For an eSIM there is no recipient: {"type":"esim","offerId":"ea-…","recipient":{}}. You get quoteId, price_usdc, delivers, expires_at. A quote can be refused with 503 when the supplier float cannot cover it; the message says how much is fillable, so re-quote smaller rather than retrying the same amount. GET /v1/limits publishes fillable_now_usdc if you want to size a basket first.
3. Confirm with the human — state exactly: what is delivered, to whom (number), and the USDC price. Never skip this for a purchase.
4. Pay — POST https://iomarkets.app/v1/orders with { "quoteId" } using your x402 client (Algorand USDC, exact scheme). First response is 402 with the exact amount; retry with the payment signature. 202 → order.
5. Poll — GET https://iomarkets.app/v1/orders/<orderId> every 3 s until terminal: true. Report status, the confirmation (operator reference / eSIM LPA + install steps) and the settlement_url.
6. If refunded — tell the human the money is back at their address (refund_url) and offer to retry with another offer.

Rules

• One quote = one payment. Quotes expire in 10 minutes; re-quote instead of retrying an expired one.
• Respect the wallet budget you were given. Server-side caps are $50/order and $200/payer/day — read GET /v1/limits rather than trusting these numbers, which change without this file changing.
• Confirm the operator with the human before buying. /v1/lookup detects it from the number range and is reliably wrong on MVNOs (Tesco Mobile, Giff Gaff, Lebara, Voxi, Sky resolve to the host network). A voucher bought for the wrong network delivers successfully, verifies, and cannot be redeemed or refunded. Use other_brands to correct it.
• Top-ups are irreversible once delivered: read the number back to the human verbatim before buy.
• An eSIM is delivered as confirmation.lpa — an LPA:1$… string the human installs in Settings → Mobile Data → Add eSIM, plus qrcode_url if they would rather scan it. Give them both, and the validity (validity_days) and data (data_bytes).
• Keep the receipt (order.receipt) — it is the proof of delivery. Check it with the verify_receipt tool, or POST /v1/verify with the receipt as the body: it checks the signature and both transactions on Algorand, and works on receipts from any server using the format (/receipts.md).
• Do not retry a buy on a timeout without first checking order_status; the settlement may have succeeded.

Install as MCP (Claude Code / Codex / Cursor / Hermes / OpenClaw)

Hosted — nothing to install, no key given to anyone:

json

{ "mcpServers": { "iomarkets-topup": { "url": "https://iomarkets.app/mcp" } } }

This server holds no wallet, so buy returns the x402 payment challenge (exact amount, asset, payTo, facilitator) for you to pay from your own Algorand wallet, then you re-POST the quote with your payment signature. Everything else — lookup, catalog, quote, order status, receipt verification, FX, ledger — works as-is.

Local — the server pays for you, under a budget:

json

{ "mcpServers": { "iomarkets-topup": { "command": "pnpm", "args": ["--dir", "/path/to/iomarkets-app", "mcp"],
  "env": { "API_URL": "https://iomarkets.app", "AGENT_MNEMONIC_FILE": "/home/you/.secrets/agent.mnemonic", "AGENT_BUDGET_USD": "20" } } } }

Here buy signs and settles itself from the agent wallet, capped by AGENT_BUDGET_USD per session and AGENT_MAX_ORDER_USD per order. Keep the mnemonic in a file (mode 0400) — never inline in the config.