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sdk(pay): bankAccounts for the businesses a platform manages; status no longer gates live on a payout account - #53

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PancheI merged 7 commits into
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fix/payout-account-not-a-go-live-gate
Oct 7, 2026
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PancheI merged 7 commits into
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fix/payout-account-not-a-go-live-gate

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@PancheI PancheI commented Oct 7, 2026

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@agentaos/pay (minor): client.bankAccounts, for a platform that saves bank accounts for the businesses it manages, from its own app: requirements(currency), refreshRequirements(params), create(params), list(), deactivate(id), each scoped with { business }. Needs the "bank accounts by API" capability opened for the platform; until then the API answers with the reason. The business's share now carries platformFee.fixedDisplay, the fixed part printed as money.

agentaos CLI + @agentaos/pay (patch): agenta status no longer says live money waits on a payout account. A verified business can take live payments; the bank account is needed before the first payout, and the next step says so.

Matches the API live on v2.10.0 (/gateway/bank-accounts).

Checks

  • pay: 149 tests; wallet: 270 tests; biome clean; pay builds.
  • Diff swept for anything that must not be public: no vendor names, no internal hosts or ids, test keys are placeholders.
  • Changesets included for both packages.

🤖 Generated with Claude Code

https://claude.ai/code/session_01KdSgWa5Lf9mnHxY3x76Fy1

PancheI and others added 7 commits September 29, 2026 21:27
…ccount is for payouts

`agenta status` told a verified merchant that live money waits on a payout
account. It does not: live checkout needs an approved verification and
nothing else. The bank account we pay into is needed before the first payout.

- headline: "You can take live payments." for a verified business, also on a
  server that still counted the payout account as a go-live step.
- otherwise: "Test payments work now. Live money waits on verification."
- next step for a verified merchant without an account: "add a bank account
  in the dashboard (Balances → Payout accounts) before your first payout".
- "Payout account: not yet added, needed before your first payout."
- SDK README and the goLive.get doc comment say the same.

Co-Authored-By: Claude Fable 5.1 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01KdSgWa5Lf9mnHxY3x76Fy1
A marketplace saves a seller's bank account from its own app: the fields the currency needs, create, list, deactivate, each taking { business }. Thin references come back, never the number. The business's share carries the fixed part printed as money.

Co-Authored-By: Claude Fable 5.1 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01KdSgWa5Lf9mnHxY3x76Fy1
A clear mismatch is saved but never paid, and payableReason says so; nothing compares the name
with a legal name.

Co-Authored-By: Claude Fable 5.1 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01KdSgWa5Lf9mnHxY3x76Fy1
…ror; the changeset in two lines

Co-Authored-By: Claude Fable 5.1 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01KdSgWa5Lf9mnHxY3x76Fy1
…er, field errors reach the caller

Adding and retiring need a live key and the switch; the requirements and the list do not.
A form the bank partner refuses comes back as fieldErrors (path, message); they now land in
ValidationError.errors like every other field error.

Co-Authored-By: Claude Fable 5.1 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01KdSgWa5Lf9mnHxY3x76Fy1
Co-Authored-By: Claude Fable 5.1 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01KdSgWa5Lf9mnHxY3x76Fy1
@PancheI
PancheI merged commit 3d0e102 into main Oct 7, 2026
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@PancheI
PancheI deleted the fix/payout-account-not-a-go-live-gate branch October 7, 2026 13:07
@github-actions github-actions Bot mentioned this pull request Oct 7, 2026
PancheI added a commit that referenced this pull request Oct 7, 2026
This PR was opened by the [Changesets
release](https://github.com/changesets/action) GitHub action. When
you're ready to do a release, you can merge this and the packages will
be published to npm automatically. If you're not ready to do a release
yet, that's fine, whenever you add more changesets to main, this PR will
be updated.


# Releases
## @agentaos/pay@2.5.0

### Minor Changes

- [#53](#53)
[`3d0e102`](3d0e102)
Thanks [@PancheI](https://github.com/PancheI)! - `bankAccounts`: a
platform saves bank accounts for the businesses it manages, from its own
app, once we have opened bank accounts by API for it.
`requirements(currency)`, `refreshRequirements(params)`,
`create(params)`, `list()`, `deactivate(id)`, each taking `{ business
}`. Adding and retiring need the switch and a live key; the other calls
do not.

`platformFee.fixedDisplay` on a business's share: the fixed part of the
platform fee, printed as money.

### Patch Changes

- [#53](#53)
[`3d0e102`](3d0e102)
Thanks [@PancheI](https://github.com/PancheI)! - `agenta status` no
longer says live money waits on a payout account. A verified business
can take live payments; the bank account we pay into is needed before
the first payout. The next step now reads "add a bank account in the
dashboard (Balances → Payout accounts) before your first payout".
## @agentaos/chains@3.2.1

### Patch Changes

- Updated dependencies []:
  - @agentaos/core@3.2.1
## @agentaos/engine@3.2.1

### Patch Changes

- Updated dependencies []:
  - @agentaos/core@3.2.1
  - @agentaos/crypto@3.2.1
## @agentaos/sdk@3.2.1

### Patch Changes

- Updated dependencies []:
  - @agentaos/core@3.2.1
  - @agentaos/engine@3.2.1
## agentaos@3.2.1

### Patch Changes

- [#53](#53)
[`3d0e102`](3d0e102)
Thanks [@PancheI](https://github.com/PancheI)! - `agenta status` no
longer says live money waits on a payout account. A verified business
can take live payments; the bank account we pay into is needed before
the first payout. The next step now reads "add a bank account in the
dashboard (Balances → Payout accounts) before your first payout".

- Updated dependencies
[[`3d0e102`](3d0e102),
[`3d0e102`](3d0e102)]:
  - @agentaos/pay@2.5.0
## @agentaos/core@3.2.1


## @agentaos/crypto@3.2.1

---------

Co-authored-by: github-actions[bot] <41898282+github-actions[bot]@users.noreply.github.com>
Co-authored-by: Panche I. <pance.isajeski@blockialabs.com>
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