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Top ups are owner-controlled money actions. OAuth applications and service accounts cannot retrieve a saved payment method or silently fund a user’s Agent Wallet.

Manual top up

  1. Read the agent’s current billing projection.
  2. Start payment-method setup if the owner has no eligible saved method.
  3. Create a wallet top up for a USD amount using an idempotency key.
  4. Wait for the authoritative wallet or webhook state before retrying blocked work.
Do not increase a displayed balance optimistically. Payment confirmation and wallet crediting can complete asynchronously.

Auto top-up

The owner can configure automatic funding with a saved payment method, threshold, amount, and limits. A recurring agreement can reference the approved behavior, but it cannot broaden the owner’s global funding permissions. When auto top-up fails, Darwin leaves the affected execution or recurring occurrence paused and returns funding_required. Notify the owner without exposing payment-provider details.

Wallet

Understand available, reserved, promotional, pending, and withdrawable balances.