Emit Your First Payment Intent

Goal: understand what emit() does by walking the build → govern → record pipeline, with and without the facade.

Via the facade (recommended)

1. Construct Xpense with a budget.
2. Call emit(draft) — one call covers build + governance + ledger.
3. Handle the three failure shapes: BudgetExceededError, requires human approval Error, settlement throw (auto-revoked).

try {
  const { intent, submit } = await xpense.emit(draft);
} catch (e) {
  // BudgetExceededError → over limit
  // Error "requires human approval" → needs an approver
}

Building by hand

Use this when you want to inspect/validate before governance.

1. PaymentIntentBuilder.for(origin) → chain setters → .build(actor).
2. validatePaymentIntent(pi) returns [] when valid (build already validates).
3. Pass to xpense.submitPaymentIntent(pi) to govern + submit.

import { PaymentIntentBuilder, validatePaymentIntent } from "@xagent/xpense";

const pi = PaymentIntentBuilder.for({ agentId: "agent-1", goal: "buy dataset" })
  .reason({ category: "data", description: "Dataset license" })
  .payTo({ kind: "merchant", name: "Acme Data" })
  .fixedAmount({ amount: "12.50", currency: "USDC" })
  .withPolicy({ allowedCurrencies: ["USDC"] })
  .build("agent-1");

validatePaymentIntent(pi); // []
await xpense.submitPaymentIntent(pi);

Reference: Builder · validate · lifecycle.