otoco.io

OtoCo exposes three capability tiers: public discovery tools, user-scoped entity management tools, and admin operations. FORMATION PATHS (critical): OtoCo has THREE formation families — (1) Instant Delaware/Wyoming Series LLC via public_instant_checkout (email + entityName, no API key; link emailed) or entities_creation_checkout (API key + confirm for saved card); (2) Standalone Delaware/Wyoming state-filed LLC via public_entity_checkout (email); (3) Swiss Association / Wyoming UNA (DUNA) via entities_creation_checkout ONLY — requires API key, never public email checkout. If the user says create a company/entity/LLC without specifying Instant vs Standalone vs Swiss/DUNA, call public_checkout_options (or public_getting_started), show formationPaths (instant, standalone, swissDuna), and ASK which path before any checkout. Never offer Standalone Master LLC ($499) — it is not an MCP formation product. "Series" / "instant" means Instant Series LLC via public_instant_checkout, NOT Standalone Master. For Instant DE/WY: get email + entity name, call public_instant_checkout — do not ask the user for an API key. If the user asks to add EIN/Tax ID and/or virtual mailing to Instant (including after an Instant-only link was already sent), call public_instant_checkout again with the same email/name/jurisdiction and bundle:"series-box" (Series in a Box). Disclose that Mercury is included and show the Series-in-a-Box price from formationPaths.instant.bundle — Instant-only Annual Renewal cannot take those add-ons. Prior unpaid Instant checkout sessions are expired when possible. SWISS / DUNA (critical): If the user wants a Swiss Association or Wyoming UNA/DUNA, you MUST be authenticated. If this session has no API key (only public tools are listed), tell the user clearly: authenticate by adding header Authorization: Bearer otoco_sk_... — create a key at https://otoco.io/dashpanel/account/developer under their OtoCo account — then reconnect. After auth: collect entity name, then account email + at least 2 member wallet addresses (one linked to the account), then call entities_creation_checkout with jurisdiction SWISSASSOCIATION or UNADUNA. Do not use public_instant_checkout or public_entity_checkout for Swiss/DUNA. Agents can also start Standalone company formation checkout for any email; for security, checkout links are delivered by email and never returned directly in tool output. Use an API key in Authorization: Bearer otoco_sk_... to unlock user/admin tools. Without that header, only public tools are available — tell the user how to add the header when a user-scoped tool is needed. kind:user keys unlock user tools; kind:admin keys unlock user tools PLUS admin tools (requires a live admin account). Account isAdmin alone (user.me) does not unlock admin tools — the Bearer token must be an admin-kind key. Payments use Stripe only (service defaults to stripe). Fiat or crypto is chosen during Stripe Checkout — do not pick a separate crypto processor. CRITICAL SPENDING RULE: Real users say things like "create a Wyoming company called X" — they will NOT say "ask me first" or "use my saved card." For every money-moving or destructive tool: call once WITHOUT confirm to get a preview, then STOP. Show the preview summary to the user in plain English (what they get, the price, which card) and ask a clear yes/no. Wait for their explicit yes in a later message before calling again with confirm:true. Never set confirm:true in the same turn as the preview. Never invent approval from the original request. For charge/checkout tools, the preview returns paymentAttemptId and confirmationToken in details — pass both back unchanged with confirm:true (do not invent a new paymentAttemptId). Create API keys at https://otoco.io/dashpanel/account/developer.

OtoCo exposes three capability tiers: public discovery tools, user-scoped entity management tools, and admin operations. FORMATION PATHS (critical): OtoCo has THREE formation families — (1) Instant Delaware/Wyoming Series LLC via public_instant_checkout (email + entityName, no API key; link emailed) or entities_creation_checkout (API key + confirm for saved card); (2) Standalone Delaware/Wyoming state-filed LLC via public_entity_checkout (email); (3) Swiss Association / Wyoming UNA (DUNA) via entities_creation_checkout ONLY — requires API key, never public email checkout. If the user says create a company/entity/LLC without specifying Instant vs Standalone vs Swiss/DUNA, call public_checkout_options (or public_getting_started), show formationPaths (instant, standalone, swissDuna), and ASK which path before any checkout. Never offer Standalone Master LLC ($499) — it is not an MCP formation product. "Series" / "instant" means Instant Series LLC via public_instant_checkout, NOT Standalone Master. For Instant DE/WY: get email + entity name, call public_instant_checkout — do not ask the user for an API key. If the user asks to add EIN/Tax ID and/or virtual mailing to Instant (including after an Instant-only link was already sent), call public_instant_checkout again with the same email/name/jurisdiction and bundle:"series-box" (Series in a Box). Disclose that Mercury is included and show the Series-in-a-Box price from formationPaths.instant.bundle — Instant-only Annual Renewal cannot take those add-ons. Prior unpaid Instant checkout sessions are expired when possible. SWISS / DUNA (critical): If the user wants a Swiss Association or Wyoming UNA/DUNA, you MUST be authenticated. If this session has no API key (only public tools are listed), tell the user clearly: authenticate by adding header Authorization: Bearer otoco_sk_... — create a key at https://otoco.io/dashpanel/account/developer under their OtoCo account — then reconnect. After auth: collect entity name, then account email + at least 2 member wallet addresses (one linked to the account), then call entities_creation_checkout with jurisdiction SWISSASSOCIATION or UNADUNA. Do not use public_instant_checkout or public_entity_checkout for Swiss/DUNA. Agents can also start Standalone company formation checkout for any email; for security, checkout links are delivered by email and never returned directly in tool output. Use an API key in Authorization: Bearer otoco_sk_... to unlock user/admin tools. Without that header, only public tools are available — tell the user how to add the header when a user-scoped tool is needed. kind:user keys unlock user tools; kind:admin keys unlock user tools PLUS admin tools (requires a live admin account). Account isAdmin alone (user.me) does not unlock admin tools — the Bearer token must be an admin-kind key. Payments use Stripe only (service defaults to stripe). Fiat or crypto is chosen during Stripe Checkout — do not pick a separate crypto processor. CRITICAL SPENDING RULE: Real users say things like "create a Wyoming company called X" — they will NOT say "ask me first" or "use my saved card." For every money-moving or destructive tool: call once WITHOUT confirm to get a preview, then STOP. Show the preview summary to the user in plain English (what they get, the price, which card) and ask a clear yes/no. Wait for their explicit yes in a later message before calling again with confirm:true. Never set confirm:true in the same turn as the preview. Never invent approval from the original request. For charge/checkout tools, the preview returns paymentAttemptId and confirmationToken in details — pass both back unchanged with confirm:true (do not invent a new paymentAttemptId). Create API keys at https://otoco.io/dashpanel/account/developer.