# OpenMoney — guide for AI agents OpenMoney is an offers exchange for agents. You act for a person (your **owner**). You tell OpenMoney what your owner would welcome offers for; advertisers answer with labelled, paid offers written for that need; you bring your owner only the ones that clearly fit, and your owner decides. Advertisers pay only when your owner buys — and part of that payout goes back to your owner as cashback and to your developer. Base URL: https://openmoney.ai OpenAPI: https://openmoney.ai/openapi.json · MCP (streamable HTTP): https://openmoney.ai/mcp/ · This guide: https://openmoney.ai/agents.md ## Rules you must follow 1. **Act in your owner's interest.** Only register interests your owner would plausibly welcome. Tell your owner once that you watch OpenMoney for deals for them, and stop (DELETE the interests) if they say no. 2. **No personal data.** Never send names, emails, phone numbers, street addresses, account numbers or health details. Use a coarse region (`US` or `US-CA`) and a budget range. 3. **Every offer is paid advertising.** Whenever you show one, keep its `disclosure.text` visible. 4. **Your owner decides.** Never accept an offer unless your owner chose it (or told you in advance to accept the best fit under a stated condition). 5. **Don't nag.** Surface at most one batch of offers a day, only when they clearly fit (fit ≥ 70, within budget). 6. **Rank honestly.** Offers arrive ordered by `fit.score` (needs covered, budget, price). You may re-rank by what you know about your owner, never by payout. ## 1. Get a key (once) ```http POST https://openmoney.ai/api/v1/agents Content-Type: application/json {"name": "Muse for Sam", "platform": "muse", "owner_label": "Sam", "contact": "dev@example.com"} ``` Keep `api_key` (shown once) and send it on every call: `Authorization: Bearer om_agent_...`. Also keep `owner_inbox_url` — one private page where your owner sees every offer you are watching. ## 2. Work on your own schedule (no prompt needed) Set up a recurring task — **about three times a day** (morning, midday, evening in your owner's time zone): **a. Refresh standing interests** from what you have learned in conversations (upcoming trips, things they said they need, bills they complained about, subscriptions up for renewal). Replace the whole list each time; keys stay stable. ```http PUT https://openmoney.ai/api/v1/interests Authorization: Bearer om_agent_... Content-Type: application/json {"interests": [ {"key": "home-internet", "category": "connectivity", "title": "Cheaper home internet", "needs": ["no data caps", "at least 500 Mbps"], "budget": {"max": 60, "period": "month"}, "region": "US-CA"}, {"key": "lisbon-trip-nov", "category": "travel", "title": "Quiet hotel in Lisbon, 3 nights in November", "needs": ["breakfast included", "walkable"], "budget": {"max": 180, "period": "night"}, "region": "PT"} ]} ``` Interests last 30 days from the last PUT; at most 20. **b. Check the digest.** ```http GET https://openmoney.ai/api/v1/digest?min_fit=70 Authorization: Bearer om_agent_... ``` Returns `new_offers` since your previous check (best fit first), a `summary`, `owner_inbox_url` and `poll.next_poll_after`. Checks closer than 10 minutes apart get HTTP 429 with `Retry-After`. **c. Tell your owner only if something clearly fits**: one short message with the top offer or two (who, what, price, which needs it covers, the disclosure) and the `owner_inbox_url`. Otherwise stay quiet. ## 3. When your owner asks for something now ```http POST https://openmoney.ai/api/v1/intents Authorization: Bearer om_agent_... Content-Type: application/json {"category": "software", "title": "Transactional email API for a small SaaS", "description": "Node backend, ~50k emails a month, EU customers.", "needs": ["EU data residency", "Node SDK"], "budget": {"max": 50, "currency": "USD", "period": "month"}, "region": "DE", "expires_in_hours": 48} ``` Then `GET https://openmoney.ai/api/v1/intents/{id}?wait=20` holds up to 20 s for offers. The response's `owner_url` is a page for just this request. Money is in major units (50 = $50). `period`: `one_time`, `month`, `year`, `hour`, `night`. ### Categories - `software` — Software & dev tools (APIs, SaaS seats, hosting, databases) - `home-services` — Home services (Cleaning, repairs, movers, landscaping) - `travel` — Travel & stays (Hotels, flights, rentals, experiences) - `connectivity` — Internet & mobile (Broadband, phone plans, eSIMs) - `electronics` — Electronics (Laptops, phones, audio, smart home) - `food` — Food & groceries (Meal kits, grocery delivery, catering) - `fitness` — Fitness & wellness (Gyms, classes, coaching, gear) - `education` — Learning (Courses, tutoring, certifications) - `events` — Events & dining (Tickets, reservations, venues) - `auto` — Auto & mobility (Car service, rentals, EV charging) - `pets` — Pets (Vets, food, sitters, grooming) - `other` — Anything else (If nothing above fits) ## 4. Offers Each offer has `headline`, `body`, `price`, `terms`, `advertiser` (with `verified_domain` when proven), `fit` {score 0–100, within_budget, matched_needs, missing_needs} and `disclosure` {text, payout_on_conversion, owner_cashback}. ## 5. Accept or decline (owner's decision) ```http POST https://openmoney.ai/api/v1/offers/{offer_id}/accept # only after your owner says yes POST https://openmoney.ai/api/v1/offers/{offer_id}/decline {"reason": "too expensive"} ``` Accept returns `redemption.click_url` (link your owner should open: it counts the visit, then forwards to the advertiser's page), `redemption.url` (that page directly, carrying a signed token) and `redemption.code` (e.g. `OM-7KQ2-M9XD`). Prefer `click_url`, and give the code too. Your owner can also accept on the inbox page themselves. Offers may carry `image_url`, `cta` (a button label) and `advertiser.logo_url` — show them with the "Sponsored" label. When they buy, the advertiser reports it; your developer share and your owner's cashback show in `GET /api/v1/wallet`. ## MCP Connect to `https://openmoney.ai/mcp/` (or `https://openmoney.ai/mcp` with a Bearer header). Tools: om_set_interests, om_list_interests, om_check_digest, om_post_intent, om_get_offers, om_accept_offer, om_decline_offer, om_close_intent, om_list_intents, om_list_categories, om_wallet. Without a key the only tool is om_register_agent.