> ## Documentation Index > Fetch the complete documentation index at: https://agents.laso.finance/llms.txt > Use this file to discover all available pages before exploring further. # Send a payment via Venmo or PayPal > Pay USDC to send money to a Venmo or PayPal recipient. The x402 USDC price is the requested amount plus a 4.9% fee (with a \$1.50 minimum fee). On-chain payment credits the calling wallet's Laso account balance via the standard deposit webhook; the callable then debits the gross amount and dispatches the payout. **KYC required.** The first time a wallet sends a Venmo or PayPal payout it must complete identity verification. If the wallet is not yet verified the response returns `kyc_required: true` and a `kyc_url` — open the URL, complete the flow, and retry. If you don't want to proceed, the credited account balance can be withdrawn with `POST /withdraw`. **Recipient details.** Both Venmo and PayPal require the recipient's first name and last name. For Venmo, `recipient_id` is the recipient's 10-digit U.S. phone number and `recipient_email` is required. For PayPal, `recipient_id` is the recipient's PayPal email, which also serves as `recipient_email` (so `recipient_email` is optional). **Fee:** 4.9% with a \$1.50 minimum (included in the USDC price). ## OpenAPI ````yaml /api-reference/openapi.json get /send-payment openapi: 3.1.0 info: title: Laso Finance x402 API version: 1.0.0 x-docs-revision: 9cc027d99202 x-docs-manifest: https://laso.finance/.well-known/docs-version.json contact: email: agents+support@laso.finance x-guidance: >- Laso Finance is a payment-gated (x402) API that lets an AI agent spend USDC on real-world financial products: prepaid cards (U.S. and international), gift cards, push-to-card transfers to USD/EUR/GBP debit cards, and Venmo/PayPal payouts. Payment: every paid route is an x402 v2 endpoint. Call it with no payment header to receive a 402 challenge listing the accepted networks, then replay with a signed USDC payment. Both Base (eip155:8453) and Solana (solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp) are accepted on every paid route; the caller picks either chain. Identity: `GET /auth` is free and identity-only. Prove wallet ownership with a `SIGN-IN-WITH-X` (CAIP-122) header to receive a Firebase id_token, then send that token as a Bearer credential to the authenticated read routes (`get-card-data`, `get-account-balance`, `get-kyc-status`, etc.). Paid routes also return fresh auth credentials in their response, so a payment is never required just to obtain a token. Recommended flow: (1) `GET /auth` to establish identity, (2) call a paid route (e.g. `GET /get-card`) to purchase a product, paying USDC on Base or Solana, (3) poll the authenticated read routes with the returned Bearer token to fetch the resulting card/transfer details. Full machine-readable instructions live at https://laso.finance/SKILL.md. description: >- Payment-gated API for Laso Finance. All paywalled routes use the x402 protocol — the caller includes a USDC payment header on Base (eip155:8453) or Solana (solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp) and the server verifies payment before processing. Free routes require no payment header. ## Getting started To set up a wallet for making x402 payments, choose a provider: - **Locus** (default): https://paywithlocus.com/SKILL.md - **Sponge**: https://wallet.paysponge.com/skill.md — automatic x402 service discovery - **Ampersend**: https://www.ampersend.ai/getting-started.md — self-custody on Base or Solana with dual-approval spending limits. Laso Finance is a default skill, so no manual endpoint registration is needed. ## How x402 works 1. Call a paywalled endpoint without a payment header → receive a `402 Payment Required` response containing payment details (price, recipient address, network). 2. Construct an x402 payment header using the details from the 402 response. 3. Replay the request with the payment header → the server verifies payment and processes the request. ## Authentication flow `GET /auth` is free: callers prove wallet ownership by sending a `SIGN-IN-WITH-X` header (CAIP-122 wallet signature). Paywalled routes (`/get-card`, `/order-gift-card`, `/get-push-to-card`, `/order-intl-card`) also return fresh auth credentials in their responses, so a payment is never required just to obtain a token. Most routes return auth credentials (`id_token`, `refresh_token`, `expires_in`). Use the `id_token` as a Bearer token to call authenticated Laso Finance endpoints like `/get-card-data`. When the `id_token` expires, use `POST /auth` with `grant_type: refresh_token` to get a new one. ## Important notes The `/get-card` USA prepaid card endpoint is U.S. only — issued in USD, usable at U.S.-based merchants only, and physical goods must ship to a U.S. address. For non-U.S. merchants or non-USD currencies, use `GET /order-intl-card` instead (international prepaid card, admin-fulfilled within 24 hours). All cards are intended for the caller's own use. For step-by-step instructions, read https://laso.finance/SKILL.md servers: - url: https://laso.finance description: Production security: [] paths: /send-payment: get: summary: Send a payment via Venmo or PayPal description: >- Pay USDC to send money to a Venmo or PayPal recipient. The x402 USDC price is the requested amount plus a 4.9% fee (with a \$1.50 minimum fee). On-chain payment credits the calling wallet's Laso account balance via the standard deposit webhook; the callable then debits the gross amount and dispatches the payout. **KYC required.** The first time a wallet sends a Venmo or PayPal payout it must complete identity verification. If the wallet is not yet verified the response returns `kyc_required: true` and a `kyc_url` — open the URL, complete the flow, and retry. If you don't want to proceed, the credited account balance can be withdrawn with `POST /withdraw`. **Recipient details.** Both Venmo and PayPal require the recipient's first name and last name. For Venmo, `recipient_id` is the recipient's 10-digit U.S. phone number and `recipient_email` is required. For PayPal, `recipient_id` is the recipient's PayPal email, which also serves as `recipient_email` (so `recipient_email` is optional). **Fee:** 4.9% with a \$1.50 minimum (included in the USDC price). operationId: sendPayment parameters: - name: amount in: query required: true description: >- USD amount to send to the recipient (min \$5, max \$1,000). The x402 payment price is this amount plus a 4.9% fee (with a \$1.50 minimum). schema: type: number minimum: 5 maximum: 1000 - name: platform in: query required: true description: Payment platform. schema: type: string enum: - venmo - paypal - name: recipient_id in: query required: true description: >- Recipient identifier. For Venmo: 10-digit U.S. phone number. For PayPal: email address. schema: type: string - name: recipient_first_name in: query required: true description: Recipient's first name (English letters A-Z and a-z only). schema: type: string - name: recipient_last_name in: query required: true description: Recipient's last name (English letters A-Z and a-z only). schema: type: string - name: recipient_email in: query required: false description: >- Recipient's email address. Required for Venmo. Optional for PayPal, where it defaults to recipient_id (the PayPal email). schema: type: string format: email responses: '200': description: Payment dispatched, or KYC required. content: application/json: schema: oneOf: - type: object properties: auth: $ref: '#/components/schemas/AuthCredentials' callable_base_url: type: string user_id: type: string success: type: boolean message: type: string platform: type: string enum: - venmo - paypal amount: type: number recipient_id: type: string state: type: string description: Payment lifecycle state (e.g. `in-process`, `queued`). - type: object properties: auth: $ref: '#/components/schemas/AuthCredentials' callable_base_url: type: string user_id: type: string kyc_required: type: boolean enum: - true kyc_url: type: string description: >- URL the wallet owner must open to complete identity verification. No payout was sent, but the x402 payment you made was still credited to your Laso account balance. After verifying, retry /send-payment to dispatch the payout, or call POST /withdraw to pull the credited USDC back to your wallet. message: type: string description: >- Human-readable explanation of the KYC requirement and how to recover the credited funds via retry or POST /withdraw. platform: type: string enum: - venmo - paypal amount: type: number recipient_id: type: string '400': description: Invalid or missing parameters, or no payer address. content: application/json: schema: $ref: '#/components/schemas/Error' '402': description: Payment required — response body contains x402 payment details. components: schemas: AuthCredentials: type: object properties: id_token: type: string description: ID token — use as Bearer token for Laso Finance APIs refresh_token: type: string description: >- Use with POST /auth (grant_type=refresh_token) to get a new id_token when it expires expires_in: type: string description: Token lifetime in seconds Error: type: object properties: error: type: string ````