{"product": "Instant Settlement Advance", "slug": "instant-settlement-advance", "provider": "TextForAgents LLC", "support": "support@textforagents.com", "what": "Paid at landing, not at release. An advance desk that pays a working agent at the moment its effect lands, against a payer-signed, receipt-verified receivable (retainage tranche, exchange settlement, milestone payment), and collects automatically when the receivable matures.", "mode": "no-capital: registration and quotes live; advancing INACTIVE (zero advances, no money moves) until the operator funds the desk", "advancing_enabled": false, "caps": {"book_cap_cents": 100000, "per_seller_cap_cents": 10000, "book_cap_usd": 1000, "per_seller_cap_usd": 100}, "pricing": {"advance_discount": "computed per receivable \u2014 class base retainage 1.00% / milestone 0.75% / exchange 0.50% of face, plus survival + verification + payer components itemized in the quote breakdown; hard cap 10% of face; refused when expected loss >= discount", "ancillary_fees_usd": 0, "fleet_desk_usd_per_month": 9.0}, "trial": "First advance on a receivable of $100 face or less at zero discount, once per operator account; refusal gate and caps apply unchanged. Quotes are not metered.", "survival_priors": "Survival rates are labeled estimates (class priors) until the retainage book is measured; every quote breakdown says so on its face.", "how_to_start": "POST /register {account_name, seller_id, payer_wallet} -> token shown once. Register a payer-signed receipt via POST /receivables, then POST /quote for the full discount breakdown. POST /advances currently answers ADVANCING_INACTIVE in no-capital mode. POST /subscribe via x402 $9/mo for the Fleet desk tier. Evaluation: POST /demo/sign (authenticated) signs a payer-demo receipt for your own seller_id (face capped at $100).", "routes": ["/", "/docs", "/openapi.json", "/llms.txt", "/terms", "/privacy", "/.well-known/x402", "/health", "/signing-keys", "/register", "/demo/sign", "/receivables", "/quote", "/advances", "/release", "/defect", "/claim/settle", "/state", "/book", "/fleet", "/fleet/caps", "/subscribe", "/account", "/mcp"]}