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docs(profile): reposition as 'the spend layer for AI agents' #8

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195 changes: 76 additions & 119 deletions profile/README.md
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<p align="center"><img src="https://raw.githubusercontent.com/Floe-Labs/.github/main/profile/banner.png" alt="Floe Labs" width="100%" /></p>

<h1 align="center">Floe Labs</h1>
# Floe Labs

<p align="center">
<strong>Credit and payments for AI agent developers.</strong><br/>
x402 credit lines, fiat funding, programmable spend controls. No crypto required.
</p>
**The spend layer for AI agents.** One endpoint to pay across 27 vendor APIs,
with programmable, context-aware budgets. Walletless. No crypto required.

<p align="center">
<a href="https://floelabs.xyz">Website</a> ·
<a href="https://floe-labs.gitbook.io/docs">Docs</a> ·
<a href="https://dev-dashboard.floelabs.xyz">Dashboard</a> ·
<a href="https://x.com/FloeLabs">&#x1D54F;</a>
</p>
[Website](https://floelabs.xyz) · [Docs](https://floe-labs.gitbook.io/docs) · [Dashboard](https://dev-dashboard.floelabs.xyz) · [𝕏 @FloeLabs](https://x.com/FloeLabs)

<p align="center">
<a href="https://www.npmjs.com/package/floe-agent"><img src="https://img.shields.io/npm/v/floe-agent?label=npm&color=green" alt="npm" /></a>
<a href="https://pypi.org/project/floe-agentkit-actions/"><img src="https://img.shields.io/pypi/v/floe-agentkit-actions?label=pypi&color=blue" alt="pypi" /></a>
<a href="https://github.com/Floe-Labs/agentkit-actions/blob/main/LICENSE"><img src="https://img.shields.io/badge/license-MIT-brightgreen" alt="license" /></a>
</p>

> **$2 free credit (~200 API calls).** Your agent can start paying for APIs today — no card required. [Get started →](https://dev-dashboard.floelabs.xyz)

---

## How it works

1. **Sign up with email + a funding source.** Card, Apple Pay, Google Pay, or bank transfer. Floe provisions your wallets in the background — no MetaMask, no seed phrase, no gas token.
2. **Floe issues an x402 credit line to your agent's wallet.** Set spending controls — per-call cap, daily limit, allowed destinations.
3. **Your agent pays vendors per-call; you get real-time visibility.** Every call is a typed receipt: target URL, amount, status, time. Reconcile, alert, or revoke from the dashboard.

---

## Vendor Marketplace — 27 verified API endpoints

Every endpoint is callable with one Floe API key. [Browse the full directory →](https://floe-labs.gitbook.io/docs/x402-directory)

| Category | Services |
|----------|----------|
| **Compute** | Venice AI — chat, responses API, embeddings |
| **Voice** | Venice AI — TTS, transcription · dTelecom STT |
| **Image** | Venice AI — generation, upscale, edit, background removal |
| **Text** | Firecrawl — search + scrape |
| **Search** | Exa, Parallel AI, Tavily |
| **Browser** | Hyperbrowser, Browserbase, Anchor Browser |
| **Agent Tools** | AgentMail, Pinata Cloud, PostalForm |
[![npm](https://img.shields.io/npm/v/floe-agent?label=npm&color=green)](https://www.npmjs.com/package/floe-agent)
[![pypi](https://img.shields.io/pypi/v/floe-agentkit-actions?label=pypi&color=blue)](https://pypi.org/project/floe-agentkit-actions/)
[![license](https://img.shields.io/badge/license-MIT-brightgreen)](https://github.com/Floe-Labs/agentkit-actions/blob/main/LICENSE)

---

## The Floe Stack
> **Start free.** $2 in API credit on signup — no card, no wallet, no crypto.
> Your agent makes its first paid API call in minutes. [Get started →](https://dev-dashboard.floelabs.xyz)

| # | Component | What it does | Status |
|---|---|---|---|
| 01 | **Agent Wallet** | Non-custodial wallet with programmable spend limits and allowed-destination controls. | `GA` |
| 02 | **Fiat on/off-ramp** | USDC in via cards, bank transfers, Apple Pay, Google Pay. Local payouts in 100+ countries. | Onramp `GA` · Offramp `Preview` |
| 03 | **Secured working capital** | Instant credit against your deposit. One API call to borrow. **3,000+ lines issued · zero defaults.** | `GA` |
| 04 | **Unsecured working capital** | Credit underwritten against your agent's receivables and usage signals. | `Preview` |
| 05 | **x402 payment facilitator** | One proxy endpoint to pay any x402 API. 27 verified endpoints in the [Vendor Marketplace](https://floe-labs.gitbook.io/docs/x402-directory). | `GA` |
| 06 | **Credit & trust bureau** | Every repayment builds your agent's portable credit record. | Reader `Beta` · Writer `Preview` |
## Why Floe

---

## Works with your framework

| Framework | Status | How |
|---|---|---|
| Coinbase AgentKit | `GA` | Native — `floeActionProvider` |
| LangChain | `GA` | Via `getLangChainTools` adapter |
| Vercel AI SDK | `GA` | Via `getVercelAITools` adapter |
| Claude Desktop / Claude Code / Cursor | `GA` | Via [floe-mcp-server](https://github.com/Floe-Labs/floe-mcp-server) |
| CrewAI | `Beta` | Via MCP server |
| OpenAI Agents SDK | `Preview` | MCP fallback today; native adapter on the way |
| ElizaOS | `Preview` | MCP fallback today |
| Plain HTTP / REST | `GA` | Any framework that speaks HTTP |

---

## Repos

| Repo | What it does | Install |
|---|---|---|
| **[agentkit-actions](https://github.com/Floe-Labs/agentkit-actions)** | TypeScript SDK — 45 actions covering wallet, credit, x402, agent awareness, and flash loans. | `npm install floe-agent` |
| **[agentkit-actions-py](https://github.com/Floe-Labs/agentkit-actions-py)** | Python SDK — same 45 actions, full parity. | `pip install floe-agentkit-actions` |
| **[floe-mcp-server](https://github.com/Floe-Labs/floe-mcp-server)** | MCP server for Claude, Cursor, and any MCP-compatible agent. | [Setup guide](https://floe-labs.gitbook.io/docs/developers/mcp-server) |
| **[floe-examples](https://github.com/Floe-Labs/floe-examples)** | Runnable end-to-end agents across frameworks. | `git clone` |
Your agent calls a dozen paid APIs — LLMs, voice, search, data. That's a dozen
accounts, a dozen prepaid balances, a dozen keys, and no unified way to see or
govern what your agent spends. Agents overspend, loop, and stall.

---
Floe gives your agent **a budget, not a balance**:

## Get started in 5 minutes
- **One endpoint, 27 APIs.** Pay any x402 vendor through a single proxy. No per-vendor accounts or keys.
- **Programmable spend controls.** Per-call caps, daily limits, allowed destinations — set at the vendor, agent, or team level, time-bound. Enforced *before* money moves.
- **Context-aware budgets.** Your agent senses when it's near its limit mid-task and adapts (e.g. downgrades to a cheaper model) instead of hard-stopping.
- **Walletless.** Email + a funding source. We provision wallets in the background — no MetaMask, no seed phrase, no gas. The stablecoin rails are invisible.
- **Real-time visibility.** Every call is a typed receipt: target, amount, status, time. Reconcile, alert, or revoke from the dashboard.

### TypeScript
## Quickstart (5 minutes)

```bash
npm install floe-agent @coinbase/agentkit viem zod
Expand All @@ -104,24 +45,14 @@ const agent = await AgentKit.from({
actionProviders: [floeActionProvider()],
});

// Borrow against your deposit
const loan = await agent.run("instant_borrow", {
borrowAmount: "5000000000",
collateralAmount: "5500000000",
maxInterestRateBps: "1200",
duration: "604800",
});

// Pay any x402 API through the Floe proxy
const response = await agent.run("x402_fetch", {
// Pay any x402 API through the Floe proxy — your agent never touches the payment layer
const res = await agent.run("x402_fetch", {
url: "https://api.exa.ai/search",
method: "POST",
body: { query: "AI agent frameworks" },
});
```

### Python

```bash
pip install floe-agentkit-actions
```
Expand All @@ -130,44 +61,70 @@ pip install floe-agentkit-actions
from floe_agentkit_actions import floe_action_provider

provider = floe_action_provider()

loan = provider.instant_borrow(wallet_provider, {
"borrow_amount": "5000000000",
"collateral_amount": "5500000000",
"max_interest_rate_bps": "1200",
"duration": "604800",
res = provider.x402_fetch(wallet_provider, {
"url": "https://api.exa.ai/search",
"method": "POST",
"body": {"query": "AI agent frameworks"},
})
```

### MCP (zero install)

Add to your Claude Desktop, Claude Code, or Cursor config:
**MCP (zero install)** — add to Claude Desktop / Claude Code / Cursor:

```json
{
"mcpServers": {
"floe": {
"url": "https://mcp.floelabs.xyz/mcp",
"transport": "streamable-http"
}
}
}
{ "mcpServers": { "floe": {
"url": "https://mcp.floelabs.xyz/mcp",
"transport": "streamable-http"
} } }
Comment on lines +74 to +77
```

→ **[Full quickstart](https://floe-labs.gitbook.io/docs/getting-started/quickstart)**
→ [Full quickstart](https://floe-labs.gitbook.io/docs/developers/agent-quickstart)

---
## Vendor Marketplace — 27 endpoints, one key

| Category | Services |
|---|---|
| Compute | Venice AI (chat, responses, embeddings) |
| Voice | Venice AI (TTS, transcription) · dTelecom STT |
| Image | Venice AI (generation, upscale, edit, background removal) |
| Web | Firecrawl (search + scrape) |
| Search | Exa · Parallel AI · Tavily |
| Browser | Hyperbrowser · Browserbase · Anchor Browser |
| Agent tools | AgentMail · Pinata · PostalForm |
Comment on lines +84 to +92

[Browse the full directory →](https://floe-labs.gitbook.io/docs/x402-directory)

## Works with your framework

| Framework | Status | How |
|---|---|---|
| Coinbase AgentKit | GA | Native — `floeActionProvider` |
| LangChain | GA | `getLangChainTools` adapter |
| Vercel AI SDK | GA | `getVercelAITools` adapter |
| Claude / Cursor | GA | `floe-mcp-server` |
| CrewAI | Beta | via MCP server |
| OpenAI Agents SDK | Preview | MCP fallback; native adapter in progress |
| ElizaOS | Preview | MCP fallback |
| Plain HTTP/REST | GA | anything that speaks HTTP |
Comment on lines +98 to +107

## Repos

| Repo | What it does | Install |
|---|---|---|
| [agentkit-actions](https://github.com/Floe-Labs/agentkit-actions) | TypeScript SDK — wallet, x402 payments, spend controls, agent awareness | `npm install floe-agent` |
| [agentkit-actions-py](https://github.com/Floe-Labs/agentkit-actions-py) | Python SDK — full parity | `pip install floe-agentkit-actions` |
| [floe-mcp-server](https://github.com/Floe-Labs/floe-mcp-server) | MCP server for Claude, Cursor, any MCP agent | [Setup](https://github.com/Floe-Labs/floe-mcp-server#readme) |
| [floe-examples](https://github.com/Floe-Labs/floe-examples) | Runnable end-to-end agents | `git clone` |
Comment on lines +111 to +116

## Roadmap

Floe is shipping the spend layer first, and building the credit layer on top of it.

## Links
- **Working capital / credit lines** — *in development.* Borrow against deposits and, later, against your agent's usage and receivables.
- **Portable credit & trust record** — *in development.* Every transaction builds the behavioral data that will let agents be underwritten without re-running diligence.

- **Website:** [floelabs.xyz](https://floelabs.xyz)
- **Dashboard:** [dev-dashboard.floelabs.xyz](https://dev-dashboard.floelabs.xyz)
- **Docs:** [floe-labs.gitbook.io/docs](https://floe-labs.gitbook.io/docs)
- **X:** [@FloeLabs](https://x.com/FloeLabs)
- **Email:** hello@floelabs.xyz
Want early access to credit features? [Talk to us →](mailto:hello@floelabs.xyz)

---

<p align="center">
<sub>Credit and payments for the agent economy.</sub>
</p>
Built by operators from Airwallex, Western Union, eBay, Kado, Transak.
[hello@floelabs.xyz](mailto:hello@floelabs.xyz)