IoMarkets Topup

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

What is live

Mobile airtime and data top-ups, in 150+ countries. That is the whole product today.

type: "esim", 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 them to a human 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.

When to use

• "Top up / recharge +91…, +234…, +995… with N (local currency)"
• "Buy mobile data for this number"
• "What's the USDC→INR rate?"
• The agent itself needs connectivity it can pay for.

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). 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.
• Keep the receipt (order.receipt) — it is the proof of delivery, verifiable with GET /v1/pubkey.
• 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:

{ "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:

{ "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.