cypher-pay
Auto-provision a virtual Visa card to complete an online purchase. Use when user asks to buy something and needs payment, or explicitly mentions cypher-pay/agent-pay. Handles onboarding (email OTP + KYC — once ever), token generation (once per device), funding, card creation, 3DS, and card lifecycle.
90
88%
Does it follow best practices?
Impact
—
No eval scenarios have been run
Risky
Do not use without reviewing
Security
2 findings — 1 high severity, 1 medium severity. You should review these findings carefully before considering using this skill.
W007: Insecure credential handling detected in skill instructions
What this means
The skill handles credentials insecurely by requiring the agent to include secret values verbatim in its generated output. This exposes credentials in the agent’s context and conversation history, creating a risk of data exfiltration.
Why it was flagged
Insecure credential handling detected (high risk: 1.00). The skill explicitly requires embedding and passing secrets verbatim (OTP in verify-otp, persisting/exporting AGENT_PAY_TOKEN, and optionally revealing full PAN/CVV to fill forms or show to the user), creating direct exfiltration risk.
W009: Direct money access capability detected (payment gateways, crypto, banking)
What this means
The skill is specifically designed for direct financial operations, giving the agent the ability to move money or execute financial transactions — such as payment processing, cryptocurrency operations, banking integrations, or market order execution.
Why it was flagged
Direct money access detected (high risk: 1.00). The skill is explicitly a payments tool: it auto-provisions programmable virtual Visa cards, performs onboarding/KYC, funds accounts, creates cards (with configurable limits), reveals PAN/CVV on demand, handles 3DS, polls for transactions, and can cancel/freeze cards. Commands like agent-pay fund, agent-pay create-card, agent-pay get-card --reveal, agent-pay wait-for-txn, and the SDK/CLI integration make it purpose-built to execute real financial transactions (i.e., move money and complete purchases). This is a specific financial-execution capability, not a generic tool.
- Repository
- CypherD-IO/agent-pay
- Commit
04bf5f2
- Audited
- Security analysis
Is this your skill?
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