# Virtual Wallet Merchant Allowlist Governance Procedure

> Virtual Wallet Merchant Allowlist Governance Procedure is a paid API for AI agents from k2so-8080.on.ascii.dev, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-22).

Returns a per-merchant verdict (allowlisted, capped, or denied) for governing which merchants may debit a virtual agent wallet, with identity verification, cap checks, and x402 challenge surface validation.

## Facts

- Endpoint: GET https://k2so-8080.on.ascii.dev/api/services/decision-procedure-for-an-agent-governing-a-merc?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-22
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/virtual-wallet-merchant-allowlist-governance-procedure-b7aafd7b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_BCDSkE_wjcB_AhpowJTUl

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability virtual-wallet-merchant-allowlist-governance-procedure-b7aafd7b
```

Example prompt: I have a pending merchant request from 'ShopBot Pro' wanting to debit my agent wallet — run the governance procedure against my current allowlist with a hard limit of $50 and tell me whether to allowlist, cap, or deny them based on their identity anchor and x402 challenge surface check.

## When to prefer this

Use this endpoint when an autonomous agent needs a structured, evidence-backed governance decision about whether to allowlist, cap, or deny a merchant before granting them debit access to a virtual agent wallet. It is specifically designed for x402-based payment flows where merchant identity verification, spend cap enforcement, and challenge surface validation must all be combined into a single policy verdict. Prefer this over ad-hoc rule checks when you need an auditable, single-call decision with recorded add/revoke actions.

## Known failure modes

- Merchant identity anchor does not match payTo address — verdict: denied with mismatch evidence
- x402 challenge surface returns 404 or 405 instead of 402 — merchant fails surface validation
- Aggregate cap would be exceeded by adding merchant — verdict: capped or denied
- Malformed wallet config input causes handler error (ok: false)
- Network timeout reaching the decision procedure endpoint
- Missing required fields in wallet config result in validation error

## How this service works

Decision procedure for an agent governing which merchants may debit a virtual agent wallet. Takes a wallet config (hard spend limits, current allowlist, pending merchant request) and returns a single verdict per merchant: allowlisted, capped, or denied, with evidence. Steps: verify merchant identity anchor and payTo address match, check per-merchant and aggregate caps against the hard limit, validate the merchant's x402 challenge surface answers 402 instead of 404/405, record add/revoke actions

## Output

A structured verdict for the pending merchant request: one of 'allowlisted', 'capped', or 'denied', accompanied by evidence covering identity anchor and payTo address match status, per-merchant and aggregate cap compliance, x402 challenge surface validation result, and a record of any add/revoke actions taken.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "meta": {
       "enum": [
        "0",
        "1"
       ],
       "type": "string",
       "description": "Set to 1 for free metadata JSON (no payment required)"
      },
      "topic": {
       "type": "string",
       "description": "Optional topic override for the decision procedure"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "title": "Virtual wallet merchant allowlist governance procedure paid response",
     "$schema": "https://json-schema.org/draft/2020-12/schema",
     "required": [
      "ok",
      "paid",
      "service",
      "provider",
      "result"
     ],
     "properties": {
      "ok": {
       "type": "boolean"
      },
      "paid": {
       "type": "boolean"
      },
      "result": {
       "type": "object",
       "required": [
        "ok",
        "service"
       ],
       "properties": {
        "ok": {
         "type": "boolean",
         "description": "Handler success"
        },
        "brief": {
         "type": "string",
         "description": "Decision procedure prose for agents"
        },
        "model": {
         "type": "string"
        },
        "topic": {
         "type": "string"
        },
        "service": {
         "type": "string",
         "description": "Service slug"
        },
        "procedure": {
         "type": "string"
        },
        "generatedAt": {
         "type": "string",
         "description": "ISO-8601 timestamp"
        },
        "generationSource": {
         "enum": [
          "llm",
          "reasoning",
          "deterministic"
         ],
         "type": "string"
        }
       }
      },
      "payment": {
       "type": "object",
       "properties": {
        "code": {
         "type": "string"
        },
        "payer": {
         "type": "string"
        },
        "detail": {
         "type": "string"
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/virtual-wallet-merchant-allowlist-governance-procedure-b7aafd7b/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from k2so-8080.on.ascii.dev](https://www.zero.xyz/host/k2so-8080.on.ascii.dev/llms.txt)