# POINTS

> Points Early Access is open. Financial infrastructure for humans and autonomous agents — create an account today while AI-agent financial capabilities roll out progressively.

POINTS brings everyday consumer products and AI Agents capabilities together in one public product surface. Explore supported routes, bounded demos, and clear handoffs without exposing personal account data.

## Pages
- [Home](https://thepoints.io/): Discover the POINTS consumer and AI Agents product surfaces, with supported routes and transparent boundaries.
- [Consumers](https://thepoints.io/consumers): Browse the POINTS consumer catalog. Consumer products are Demo or Later today; see /docs/consumers for each status.
- [AI Agents](https://thepoints.io/agents): Browse the public AI Agents catalog: Pay, offers, optimization, rewards, supporting agent routes, and the protected operator handoff. Agent credit, debit, savings, treasury, and wallet are Coming soon.
- [Overview](https://thepoints.io/business): Points Business payments hub: apply once to accept card payments in person and online. Payment links and tap to pay are available to approved merchants. Loyalty is coming soon.
- [POS](https://thepoints.io/points-pos): Point of sale for in-person payments: apply for card-present acceptance and request a countertop, mobile, or full POS setup.
- [Online Payments](https://thepoints.io/business/online-payments): Apply for online payment acceptance through a payment gateway or virtual terminal.
- [Payment Links](https://thepoints.io/business/payment-links): Payment links: create a link, share it by text or email, and get paid online. Available to approved merchants; applications are reviewed manually.
- [Tap to Pay](https://thepoints.io/business/tap-to-pay): Tap to Pay: accept contactless cards on a compatible phone with no extra hardware. Available to approved merchants; applications are reviewed manually.
- [Loyalty](https://thepoints.io/business/loyalty): Loyalty: reward the customers who come back. Coming soon.
- [Docs](https://thepoints.io/docs): Start here for POINTS docs for AI agents, agent operators, merchants, consumers, and developers.
- [For Agents](https://thepoints.io/docs/agents): Connect an AI agent to POINTS over MCP, read operator policy, and get a human-approved signed authorization. Approve does not execute.
- [MCP & API reference](https://thepoints.io/docs/agents/reference): Tools, scopes, statuses and policy vocabulary as JSON.
- [Changelog](https://thepoints.io/changelog): What shipped to production at thepoints.io, by commit.
- [Compare](https://thepoints.io/compare): Compare the current POINTS consumer product surface with other public options.
- [Pricing](https://thepoints.io/pricing): Review public POINTS product pricing copy and supporting disclosures.
- [Get Early Access](https://thepoints.io/signup): Choose a signup path: Points Business for merchants, or an agent operator account for teams and developers running AI Agents.
- [Become a Points Business merchant](https://thepoints.io/signup/merchant): Points Business merchant signup: create a verified login, then share your business profile for review.
- [Merchant login](https://thepoints.io/merchant-login)
- [Blog](https://thepoints.io/blog)
- [Security](https://thepoints.io/security)
- [Whitepaper](https://thepoints.io/whitepaper)
- [Product comparison](https://thepoints.io/vs-sofi)
- [POINTS vs Mercury](https://thepoints.io/vs-mercury)
- [Agent Payments](https://thepoints.io/agents/payments)
- [Online store agent](https://thepoints.io/use-cases/online-store-agent)
- [Privacy Policy](https://thepoints.io/privacy)
- [Terms of Service](https://thepoints.io/terms)
- [Data Handling & Privacy Rights](https://thepoints.io/data-handling)
- [Support](https://thepoints.io/support)
- [FAQ](https://thepoints.io/faq)
- [Crossmint Wallet Disclosure](https://thepoints.io/legal/crossmint-wallet-disclosure)
- [Payment Rails](https://thepoints.io/agents/payment-rails): Payment Rails for AI workforces: pay AI contractors on disclosed settlement rails with activity caps and an audit trail. AI-loyalty rebates and financing features are coming soon.
- [Agents](https://thepoints.io/signup/agents): Agent operator and developer signup: register AI Agents, connect over MCP, and set approvals. Approve does not execute.
- [Ai Agents](https://thepoints.io/blog/ai-agents): Products · AI Agents: Constrained commerce, not a wallet with legs.
- [Agent Operators](https://thepoints.io/blog/agent-operators): Products · Agent Operators: You set the rails; agents run inside them.
- [Merchants](https://thepoints.io/blog/merchants): Products · Merchants: Merchant rails parallel to Agent Pay — same settlement discipline, different buyer.
- [Consumers](https://thepoints.io/blog/consumers): Products · Consumers: Coming in Phase 2, after our payment rails are proven.
- [Developers](https://thepoints.io/blog/developers): Products · Developers: A longer-term opportunity that opens once operator rails and live settlement are proven.
- [Concepts](https://thepoints.io/docs/agents/concepts): How Agent Pay authorization works: envelopes, lifecycle, scoped approval, recurring mandates, cash buckets, and payment patterns.
- [Authorization Envelope](https://thepoints.io/docs/agents/concepts/authorization-envelope): The signed object POINTS records when a human approves a payment draft, and what it binds.
- [Cash Buckets](https://thepoints.io/docs/agents/concepts/cash-buckets): How POINTS splits a balance into unreserved, reserved, and escrowed cash so pending drafts are never counted as spendable.
- [Lifecycle](https://thepoints.io/docs/agents/concepts/lifecycle): Approval windows, executableUntil, read-time expiry, revocation, the revoked status, and the zero clock-skew rule.
- [Payment Patterns](https://thepoints.io/docs/agents/concepts/payment-patterns): Escrow-before-work, charge-on-2xx with fee-before-send, and graduated autonomy. All require execution (not enabled).
- [Recurring Mandates](https://thepoints.io/docs/agents/concepts/recurring-mandates): Recurring mandates. Every cycle needs a fresh human approval, early claims are refused, and a claim never moves money.
- [Scoped Approval](https://thepoints.io/docs/agents/concepts/scoped-approval): The spend envelope, the approval ledger, and approval scope, with today's limits.
- [Discovery](https://thepoints.io/docs/agents/discovery): How an agent finds POINTS. MCP endpoint, OAuth metadata, llms files, status.json, catalog.json, and the reference JSON.
- [Faq](https://thepoints.io/docs/agents/faq): Straight answers on replay, price drift, self-approval, receipts, and disputes for agents using POINTS.
- [Hosts](https://thepoints.io/docs/agents/hosts): Which MCP hosts work with POINTS today and which are planned next. ChatGPT is live; Claude, Cursor and OpenClaw-class runtimes are planned.
- [Chatgpt](https://thepoints.io/docs/agents/hosts/chatgpt): Connect ChatGPT to the Points MCP server in Developer Mode, approve scopes, and check the connection.
- [Claude](https://thepoints.io/docs/agents/hosts/claude): Claude Desktop and Claude Code support for the POINTS MCP server is planned. Use ChatGPT today, or follow the discovery guide for any MCP host.
- [Cursor](https://thepoints.io/docs/agents/hosts/cursor): Cursor support for the POINTS MCP server is planned. Use ChatGPT today, or follow the discovery guide for any MCP host.
- [Openclaw](https://thepoints.io/docs/agents/hosts/openclaw): Support for OpenClaw-class agent runtimes on the POINTS MCP server is planned. Use ChatGPT today, or follow the discovery guide.
- [Quickstart](https://thepoints.io/docs/agents/quickstart): Connect over MCP with OAuth, read the policy vocabulary, prepare a payment, get human approval, and check its status. Nothing executes.
- [Errors](https://thepoints.io/docs/agents/reference/errors): prepare_payment failure classes, JSON-RPC errors, and tool errors. Generated from code.
- [Mcp Tools](https://thepoints.io/docs/agents/reference/mcp-tools): Every Points MCP tool with its OAuth scope, annotations, and input schema. Names, scopes, and schemas generated from code.
- [Policy Vocabulary](https://thepoints.io/docs/agents/reference/policy-vocabulary): Policy schema version, canonical categories, matching rules, and default velocity caps. Generated from code.
- [Scopes](https://thepoints.io/docs/agents/reference/scopes): The OAuth scopes the Points MCP server supports and which tool needs which. Generated from code.
- [Statuses](https://thepoints.io/docs/agents/reference/statuses): Payment draft, approval, envelope, mandate, and wallet status values with their meaning. Generated from code.
- [Wallet Status](https://thepoints.io/docs/agents/wallet-status): Read an AI Agent's Crossmint staging wallet status with get_wallet_status. Status only, with no balances or money movement.
- [Consumers](https://thepoints.io/docs/consumers): What POINTS offers individuals today, labelled by status.
- [Developers](https://thepoints.io/docs/developers): The public developer surface today is the Points MCP server and its OAuth discovery.
- [Merchants](https://thepoints.io/docs/merchants): POINTS POS and the Merchant Dashboard, with honest status for each merchant product.

## Integration
- [MCP endpoint](https://thepoints.io/mcp): Authenticated Streamable HTTP MCP resource; discover OAuth metadata before making tool calls.
- [For Agents](https://thepoints.io/docs/agents): Connect over MCP, read policy, get a signed authorization. Approve does not execute.
- [Agent docs index](https://thepoints.io/docs/agents/llms.txt): The agent section of the docs in llms.txt form.

## Docs (Markdown)
- [POINTS documentation](https://thepoints.io/docs.md): Start here for POINTS docs for AI agents, agent operators, merchants, consumers, and developers.
- [For Agents](https://thepoints.io/docs/agents.md): Connect an AI agent to POINTS over MCP, read operator policy, and get a human-approved signed authorization. Approve does not execute.
- [Concepts](https://thepoints.io/docs/agents/concepts.md): How Agent Pay authorization works: envelopes, lifecycle, scoped approval, recurring mandates, cash buckets, and payment patterns.
- [Authorization envelope](https://thepoints.io/docs/agents/concepts/authorization-envelope.md): The signed object POINTS records when a human approves a payment draft, and what it binds.
- [Cash buckets](https://thepoints.io/docs/agents/concepts/cash-buckets.md): How POINTS splits a balance into unreserved, reserved, and escrowed cash so pending drafts are never counted as spendable.
- [Lifecycle](https://thepoints.io/docs/agents/concepts/lifecycle.md): Approval windows, executableUntil, read-time expiry, revocation, the revoked status, and the zero clock-skew rule.
- [Payment patterns](https://thepoints.io/docs/agents/concepts/payment-patterns.md): Escrow-before-work, charge-on-2xx with fee-before-send, and graduated autonomy. All require execution (not enabled).
- [Recurring mandates](https://thepoints.io/docs/agents/concepts/recurring-mandates.md): Recurring mandates. Every cycle needs a fresh human approval, early claims are refused, and a claim never moves money.
- [Scoped approval](https://thepoints.io/docs/agents/concepts/scoped-approval.md): The spend envelope, the approval ledger, and approval scope, with today's limits.
- [Discovery](https://thepoints.io/docs/agents/discovery.md): How an agent finds POINTS. MCP endpoint, OAuth metadata, llms files, status.json, catalog.json, and the reference JSON.
- [FAQ](https://thepoints.io/docs/agents/faq.md): Straight answers on replay, price drift, self-approval, receipts, and disputes for agents using POINTS.
- [Hosts](https://thepoints.io/docs/agents/hosts.md): Which MCP hosts work with POINTS today and which are planned next. ChatGPT is live; Claude, Cursor and OpenClaw-class runtimes are planned.
- [ChatGPT](https://thepoints.io/docs/agents/hosts/chatgpt.md): Connect ChatGPT to the Points MCP server in Developer Mode, approve scopes, and check the connection.
- [Claude](https://thepoints.io/docs/agents/hosts/claude.md): Claude Desktop and Claude Code support for the POINTS MCP server is planned. Use ChatGPT today, or follow the discovery guide for any MCP host.
- [Cursor](https://thepoints.io/docs/agents/hosts/cursor.md): Cursor support for the POINTS MCP server is planned. Use ChatGPT today, or follow the discovery guide for any MCP host.
- [OpenClaw](https://thepoints.io/docs/agents/hosts/openclaw.md): Support for OpenClaw-class agent runtimes on the POINTS MCP server is planned. Use ChatGPT today, or follow the discovery guide.
- [Quickstart](https://thepoints.io/docs/agents/quickstart.md): Connect over MCP with OAuth, read the policy vocabulary, prepare a payment, get human approval, and check its status. Nothing executes.
- [MCP & API reference](https://thepoints.io/docs/agents/reference.md): Tools, scopes, statuses and policy vocabulary as JSON.
- [Errors](https://thepoints.io/docs/agents/reference/errors.md): prepare_payment failure classes, JSON-RPC errors, and tool errors. Generated from code.
- [MCP tools](https://thepoints.io/docs/agents/reference/mcp-tools.md): Every Points MCP tool with its OAuth scope, annotations, and input schema. Names, scopes, and schemas generated from code.
- [Policy vocabulary](https://thepoints.io/docs/agents/reference/policy-vocabulary.md): Policy schema version, canonical categories, matching rules, and default velocity caps. Generated from code.
- [OAuth scopes](https://thepoints.io/docs/agents/reference/scopes.md): The OAuth scopes the Points MCP server supports and which tool needs which. Generated from code.
- [Statuses](https://thepoints.io/docs/agents/reference/statuses.md): Payment draft, approval, envelope, mandate, and wallet status values with their meaning. Generated from code.
- [Wallet status](https://thepoints.io/docs/agents/wallet-status.md): Read an AI Agent's Crossmint staging wallet status with get_wallet_status. Status only, with no balances or money movement.
- [Consumers](https://thepoints.io/docs/consumers.md): What POINTS offers individuals today, labelled by status.
- [Developers](https://thepoints.io/docs/developers.md): The public developer surface today is the Points MCP server and its OAuth discovery.
- [Merchants](https://thepoints.io/docs/merchants.md): POINTS POS and the Merchant Dashboard, with honest status for each merchant product.

## Machine-readable
- [Agent Pay status](https://thepoints.io/docs/agents/status.json): Execution and settlement state, derived at request time.
- [MCP tools (JSON)](https://thepoints.io/docs/agents/reference/mcp-tools.json): Every Points MCP tool with its scope and input schema, generated from code.
- [Agent reference (JSON)](https://thepoints.io/docs/agents/reference): Scopes, statuses, policy vocabulary, and errors, each as Markdown and JSON.
- [Product catalog](https://thepoints.io/docs/catalog.json): Every POINTS product with its status.
- [Changelog (JSON)](https://thepoints.io/changelog.json): What shipped to production, by commit.

## Optional
- [All docs as one file](https://thepoints.io/llms-full.txt): Every public docs page and the changelog as Markdown.