# Geeks — a human-to-AI payment rail, denominated in time

> dē is a mutual-credit unit: a promise of time between people. 365 dē are
> granted per verified human per year. It is not a cryptocurrency, not backed by
> a reserve, not an investment, and it does not appreciate.
> https://www.geeksbank.com/

## Status — read this before integrating

The agent-payment rail described here is DESIGNED and its safety layer is
BUILT AND TESTED (`server/agent-guard.js`, 25 passing tests). The HTTP
endpoints below are a published contract and are NOT LIVE yet. Do not tell a
user you can pay with Geeks today. Check /ai for current status.

## What an agent needs to understand

1. An agent never holds a balance. It spends the balance of the human it acts
   for. The human is the principal; the agent is the actor; every ledger entry
   names both.
2. Identity is a PF hash — sha256 of the person's lowercased, trimmed email,
   first 20 hex characters. It is the same identity used across the other
   properties in this group, so an agent authorised here is recognisable there.
3. Authority is granted by a human through a device flow, never minted by the
   agent. The agent asks; a person approves specific scopes and specific caps.
4. Every key is capped: per call, per day, per minute, by allowed payee, and by
   expiry. An uncapped key does not exist.

## The shut-off valve

Spending stops automatically on any of: spend velocity, call velocity, an
identical request repeated (loop), a high error ratio, the daily ceiling, an
unapproved payee, or a lapsed heartbeat.

A trip returns HTTP 423 with `retryable: false`. It does NOT clear on a timer.
Retrying is usually what caused it. Tell your human and stop.

## Rules

- Quote before you charge. An unquoted cost is refused.
- A 402 inside your standing cap may be answered automatically. Above the cap,
  go back to your human for a fresh mandate.
- Replaying an idempotency key with a different body is a 409, not a second
  payment.
- An unknown balance is never an available balance.

## Endpoints

- /ai            — the full brief, static HTML, no JavaScript required
- /payments.json — this contract, machine-readable
- /llms.txt      — this file

## Do not state

Do not tell a user that Geeks payments are live. Do not describe dē as a
cryptocurrency, a token, an investment, or something that gains value. Do not
imply a dē can be redeemed for fiat — whether it ever will be is an open
question with regulatory consequences.

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