Settlement and fees

What happens on chain

1. Policy check

   The signer calls requestPayment on the agent account. The account checks the per-call cap, the daily cap, the payee allowlist, pause and revoke, and that the payment ID was never used.

2. Payment

   The settlement router takes the amount from the buffer and pays the merchant, or the signer in exact mode.

3. Repayment

   The account repays the amount plus the fee from its liquid USDG. Whatever it cannot cover becomes debt, which must stay below the account's total value.

4. Background settlement

   settleDebt unwinds just enough of the parked position to repay the debt. Anyone can call it.

The fee

The instant-settlement fee is set in the FeeModule. It is currently 0.10 percent of the payment. The contract bounds it between 0 and 1 percent, and any change goes through the 24-hour timelock. Holders of $UNSLEPT can receive tiered discounts once tiers are configured; the account owner's wallet and staked balances count.