Open Net Worth
Open Net Worth is an open-source personal AI wealth assistant you run yourself: one ledger for your whole financial life, worked by an AI agent you control.
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A PayPal-backed tab for AI agents: capture only when the result passes its checks
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Read the full README ↗Pay for verified answers, and pay the writers they quoted. You approve one PayPal hold. Your agent pays per call out of it, but only for answers that pass their checks. Every page the answer quotes gets a royalty under its RSL 1.0 license, paid with PayPal Payouts. A failed call costs nothing and pays no one.
<<HOSTED_URL>> (today: https://toll-bridge-git-main-joeproais-projects.vercel.app)<<VIDEO_URL>>From Joe's hosted run: one $10 tab, 4 calls (A <<JOE_RUN: a_verdict>>, B <<JOE_RUN: b_verdict>>, D <<JOE_RUN: d_verdict>>, C <<JOE_RUN: c_verdict>>), close, payout. <<JOE_RUN: run_notes>> Every ID was read back from PayPal. Details in proof/PROOF.md.
| What | ID | Status | Amount |
|---|---|---|---|
| Order (intent AUTHORIZE) | <<JOE_RUN: order_id>> | <<JOE_RUN: order_status>> | 10.00 held |
| Authorization (the hold) | <<JOE_RUN: authorization_id>> | <<JOE_RUN: authorization_status>> | |
| Final capture | <<JOE_RUN: capture_id>> | <<JOE_RUN: capture_status>> | <<JOE_RUN: captured>>, PayPal fee <<JOE_RUN: capture_fee>> |
| Released to the payer | <<JOE_RUN: released>> | ||
| Void (only if anything was still held) | <<JOE_RUN: void_or_none>> | ||
| Payouts batch | <<JOE_RUN: payout_batch_id>> | <<JOE_RUN: batch_status>> | |
| Payout item, writer A | <<JOE_RUN: payout_item_a>> | <<JOE_RUN: item_a_status>> | 0.05, fee <<JOE_RUN: item_a_fee>> |
| Payout item, writer B | <<JOE_RUN: payout_item_b>> | <<JOE_RUN: item_b_status>> | 0.05, fee <<JOE_RUN: item_b_fee>> |
No keys needed for any of these unless noted.
npm run proof: typecheck, lint with zero warnings, and the full test suite in fixtures mode with fetch blocked. With PayPal sandbox credentials set, it also runs a live sandbox tab.
tests: 91/91 passed in 12 files (fixtures mode, no network)
live sandbox run skipped: no PAYPAL_CLIENT_ID / PAYPAL_CLIENT_SECRET. Committed proof/ files are untouched.
proof passed
npm run bench: the 101-item bench corpus on the deterministic fake model. It shows the mechanical checks do what they say. It says nothing about real model quality (see the live bench below).
catch rate 100.0% (91/91), false-pass 0.0%, false-fail 0.0%, misses 0, errors 0
npm run judge -- --base <url>: drives a hosted Toll Bridge end to end with no local keys and prints every PayPal ID. Against a live-sandbox host it prints a PayPal approval link and waits for you to approve as the sandbox buyer. Against a local fixtures server (PAYPAL_MODE=fixtures MODEL_MODE=fake npm run dev):
A: PASS, judge 8.3. 0.55 owed, incl. 0.05 royalty to [email protected]. ...
B: PASS, judge 8.3. 0.55 owed, incl. 0.05 royalty to [email protected]. ...
D: FAIL, 0.00 charged. claim 3, 4: quotes text hidden from readers (likely a prompt injection)
C: refused, 0.00 charged. 451 rsl_refused: Refused before running, charged 0.00: The license prohibits ai-input (AI input) use.
Closed. Held 10.00, captured 1.10, authorization CAPTURED.
Final capture FXCAP000000000003: 1.10, PayPal fee 0.52, net 0.58.
0.05 to [email protected]: item FXPOI0000040 SUCCESS, PayPal fee 0.25
0.05 to [email protected]: item FXPOI0000041 SUCCESS, PayPal fee 0.25
FX... IDs are fixtures. On the hosted app they are real sandbox IDs, each printed with its sandbox GET URL.
npm run verify-receipt <receipt.json>: checks a receipt offline with no secret. It verifies the Ed25519 signature against the public key, recomputes the page SHA-256 from the snapshot, and finds every quoted span at its offsets. Download a receipt from any /receipt/... page, or paste it at /verify.
$ npm run verify-receipt receipt.json -- --key <host>/.well-known/toll-bridge-receipt-key.json
receipt call_84dviM-23MVB (pass), key from ...
ok signature: Ed25519 signature valid for key a1fce427d4d67273
ok page_hash: snapshot SHA-256 matches 92eb33672656ae5f
ok spans: 5 span(s) found at their offsets
VALID
Change one field and it prints FAIL signature: signature does not match this receipt and key, then INVALID, and exits 1.
npm run rsl:check <url>: runs RSL discovery and evaluation on any page, for example https://joeproai.github.io/toll-bridge-writers/c.html (prohibited).
intent: AUTHORIZE. Money is held, not spent.Link header, then HTML <link rel="license">, then robots.txt. A prohibited or OLP-only page is refused before anything runs, at $0.00. A payment type="use" page adds a royalty line to the quote.wring writes a brief where every claim carries an exact quote and its offsets. A separate verifier checks it (table below). Only a PASS is added to the tab.final_capture: true, then a void if anything is still held. Royalties go to each payee's ledger, and PayPal Payouts pays them.This is the beginning of the README. Read the rest at the original. Read the full README ↗