MindraDocs

Wallet & Billing Guide

8 min read

Complete guide to managing payments on Mindra Platform using FIAT or cryptocurrency.

Overview

Mindra Platform supports two payment methods:

  1. FIAT (Credit/Debit Card) - via Stripe
  2. Crypto (XRP on XRP Ledger) - Instant, low-cost

Wallet System

Every user has a wallet that holds their balance. Executions deduct from this balance automatically.

Check Your Balance

curl https://api.mindra.co/v1/wallet \
  -H "Authorization: Bearer mk_your_api_key"

Response:

{
  "wallets": [
    {
      "id": "wallet_abc123",
      "type": "FIAT",
      "balance": 100.00,
      "currency": "USD",
      "isActive": true,
      "createdAt": "2025-11-01T00:00:00Z"
    },
    {
      "id": "wallet_crypto456",
      "type": "CRYPTO",
      "balance": 500.00,
      "currency": "XRP",
      "blockchainAddress": "rN7n7otQDd6FczFgLdlqtyMVrn3HMfSeXy",
      "blockchainNetwork": "xrpl",
      "isActive": true,
      "createdAt": "2025-11-01T00:00:00Z"
    }
  ]
}

Wallet Types

FIAT Wallet:

  • Currency: USD
  • Top-up: Credit/debit card via Stripe
  • Processing: Instant
  • Fees: Standard Stripe fees (~2.9% + $0.30)

Crypto Wallet:

  • Currency: XRP
  • Network: XRP Ledger (low transaction fees)
  • Top-up: Send XRP to your deposit address
  • Processing: ~4 seconds (1 ledger confirmation)
  • Fees: Minimal transaction fees (~$0.0001)

FIAT Payments (Stripe)

One-Time Top-Up

curl -X POST https://api.mindra.co/v1/wallet/topup \
  -H "Authorization: Bearer mk_your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 100.00,
    "paymentMethod": "card",
    "paymentMethodId": "pm_1234567890"
  }'

Parameters:

  • amount: Amount in USD (min: $10, max: $10,000 per transaction)
  • paymentMethod: Always "card"
  • paymentMethodId: Stripe payment method ID

Response (200 OK):

{
  "transactionId": "txn_abc123",
  "amount": 100.00,
  "currency": "USD",
  "status": "completed",
  "newBalance": 200.00,
  "stripeChargeId": "ch_1234567890",
  "createdAt": "2025-11-10T10:00:00Z"
}

Set Up Payment Method

Use Stripe's client libraries to collect payment information securely:

Frontend (React Example):

import { loadStripe } from '@stripe/stripe-js';
import { Elements, CardElement, useStripe, useElements } from '@stripe/react-stripe-js';

const stripePromise = loadStripe('pk_live_YOUR_PUBLISHABLE_KEY');

function TopUpForm() {
  const stripe = useStripe();
  const elements = useElements();

  const handleSubmit = async (event) => {
    event.preventDefault();

    // Create payment method
    const { paymentMethod, error } = await stripe.createPaymentMethod({
      type: 'card',
      card: elements.getElement(CardElement),
    });

    if (error) {
      console.error(error);
      return;
    }

    // Top up wallet
    const response = await fetch('https://api.mindra.co/v1/wallet/topup', {
      method: 'POST',
      headers: {
        'Authorization': `Bearer ${MINDRA_API_KEY}`,
        'Content-Type': 'application/json',
      },
      body: JSON.stringify({
        amount: 100.00,
        paymentMethod: 'card',
        paymentMethodId: paymentMethod.id,
      }),
    });

    const result = await response.json();
    console.log('Top-up successful:', result);
  };

  return (
    <form onSubmit={handleSubmit}>
      <CardElement />
      <button type="submit" disabled={!stripe}>
        Add $100
      </button>
    </form>
  );
}

function App() {
  return (
    <Elements stripe={stripePromise}>
      <TopUpForm />
    </Elements>
  );
}

Auto-Reload

Set up automatic top-ups when balance falls below threshold:

curl -X POST https://api.mindra.co/v1/wallet/auto-reload \
  -H "Authorization: Bearer mk_your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "enabled": true,
    "threshold": 50.00,
    "reloadAmount": 100.00,
    "paymentMethodId": "pm_1234567890"
  }'

How it works:

  • When balance < $50, automatically charge $100
  • Prevents failed executions due to insufficient funds
  • Email notification after each reload

Invoices & Receipts

All transactions generate invoices automatically.

List Invoices:

curl https://api.mindra.co/v1/wallet/invoices \
  -H "Authorization: Bearer mk_your_api_key"

Download Invoice PDF:

curl https://api.mindra.co/v1/wallet/invoices/inv_123/pdf \
  -H "Authorization: Bearer mk_your_api_key" \
  -o invoice.pdf

Crypto Payments (XRP on XRP Ledger)

Why Crypto?

Benefits:

  • Instant: Confirmed in ~30 seconds
  • Low Cost: Gas fees ~$0.01 vs Stripe 2.9%+
  • Global: No geographic restrictions
  • No Chargebacks: Irreversible transactions
  • Privacy: No card details required

Why XRP Ledger:

  • Extremely low transaction fees (~$0.0001)
  • Fast confirmations (~3-5 seconds)
  • High throughput (1,500 TPS)
  • Established and reliable blockchain

Get Your Deposit Address

curl https://api.mindra.co/v1/wallet/crypto/address \
  -H "Authorization: Bearer mk_your_api_key"

Response:

{
  "network": "xrpl",
  "address": "rN7n7otQDd6FczFgLdlqtyMVrn3HMfSeXy",
  "token": "XRP",
  "tokenContract": "0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174",
  "qrCode": "data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAA...",
  "minimumDeposit": 10.00
}

Send XRP

Using MetaMask:

  1. Open MetaMask
  2. Switch to XRP Ledger network
  3. Click "Send"
  4. Enter address: rN7n7otQDd6FczFgLdlqtyMVrn3HMfSeXy
  5. Select XRP token
  6. Enter amount (min $10)
  7. Confirm transaction

Using Web3.js:

const Web3 = require('web3');
const web3 = new Web3('https://xrpl-rpc.com');

const XRP_CONTRACT = '0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174';
const MINDRA_ADDRESS = 'rN7n7otQDd6FczFgLdlqtyMVrn3HMfSeXy';

const usdcContract = new web3.eth.Contract(XRP_ABI, XRP_CONTRACT);

const amount = web3.utils.toWei('100', 'mwei'); // XRP has 6 decimals

const tx = await usdcContract.methods.transfer(MINDRA_ADDRESS, amount).send({
  from: YOUR_ADDRESS,
  gasPrice: await web3.eth.getGasPrice(),
});

console.log('Transaction:', tx.transactionHash);

Using ethers.js:

const { ethers } = require('ethers');

const provider = new ethers.JsonRpcProvider('https://xrpl-rpc.com');
const wallet = new ethers.Wallet(PRIVATE_KEY, provider);

const XRP_CONTRACT = '0x2791Bca1f2de4661ED88A7a9449Aa84174';
const MINDRA_ADDRESS = 'rN7n7otQDd6FczFgLdlqtyMVrn3HMfSeXy';

const usdcContract = new ethers.Contract(XRP_CONTRACT, XRP_ABI, wallet);

const amount = ethers.parseUnits('100', 6); // XRP has 6 decimals

const tx = await usdcContract.transfer(MINDRA_ADDRESS, amount);
await tx.wait();

console.log('Transaction:', tx.hash);

Track Deposit Status

Deposits are credited after 25 confirmations (~50 seconds):

curl https://api.mindra.co/v1/wallet/crypto/deposits \
  -H "Authorization: Bearer mk_your_api_key"

Response:

{
  "deposits": [
    {
      "id": "deposit_123",
      "transactionHash": "0x1234...5678",
      "amount": 100.00,
      "token": "XRP",
      "network": "xrpl",
      "status": "confirmed",
      "confirmations": 25,
      "blockNumber": 12345678,
      "createdAt": "2025-11-10T10:00:00Z",
      "confirmedAt": "2025-11-10T10:00:50Z"
    }
  ]
}

Status Values:

  • pending: Transaction detected, waiting for confirmations
  • confirmed: 25+ confirmations, credited to wallet
  • failed: Transaction failed (reverted)

Withdraw XRP

Withdraw unused funds back to your wallet:

curl -X POST https://api.mindra.co/v1/wallet/crypto/withdraw \
  -H "Authorization: Bearer mk_your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 50.00,
    "toAddress": "0xYourWalletAddress",
    "network": "xrpl"
  }'

Parameters:

  • amount: Amount in XRP (min: $10)
  • toAddress: Your XRP Ledger wallet address
  • network: Always "xrpl"

Response:

{
  "withdrawalId": "withdrawal_123",
  "amount": 50.00,
  "toAddress": "0xYourWalletAddress",
  "network": "xrpl",
  "status": "pending",
  "estimatedCompletion": "2025-11-10T10:05:00Z"
}

Processing Time: 5-10 minutes

Transaction History

List All Transactions

curl https://api.mindra.co/v1/wallet/transactions \
  -H "Authorization: Bearer mk_your_api_key"

Response:

{
  "transactions": [
    {
      "id": "txn_123",
      "type": "CREDIT",
      "amount": 100.00,
      "description": "Wallet top-up via card",
      "balance": 200.00,
      "createdAt": "2025-11-10T10:00:00Z"
    },
    {
      "id": "txn_124",
      "type": "DEBIT",
      "amount": 0.50,
      "description": "Execution exec_abc123",
      "balance": 199.50,
      "executionId": "exec_abc123",
      "createdAt": "2025-11-10T10:15:00Z"
    }
  ],
  "pagination": {
    "page": 1,
    "limit": 20,
    "total": 247
  }
}

Filter Transactions

# By type
curl "https://api.mindra.co/v1/wallet/transactions?type=DEBIT" \
  -H "Authorization: Bearer mk_your_api_key"

# By date range
curl "https://api.mindra.co/v1/wallet/transactions?startDate=2025-11-01&endDate=2025-11-10" \
  -H "Authorization: Bearer mk_your_api_key"

# Export CSV
curl "https://api.mindra.co/v1/wallet/transactions?format=csv" \
  -H "Authorization: Bearer mk_your_api_key" \
  -o transactions.csv

Pricing & Costs

Execution Costs

Costs vary by agent and usage:

Example Pricing:

  • Email Campaign Agent: $0.50/execution + $0.01/email
  • Payment Processor: $0.20/transaction + 0.5% of amount
  • ML Model: $0.05/execution + $0.001/prediction

Platform Fee:

  • Developer: 10% of agent costs (min $0.01)
  • Business: 5% of agent costs
  • Enterprise: Custom

Example Calculation:

Email Campaign:
- Agent base: $0.50
- 3 emails × $0.01: $0.03
- Subtotal: $0.53
- Platform fee (10%): $0.053
- Total: $0.58 (rounded to $0.60)

Cost Estimation

Get cost estimate before execution:

curl -X POST https://api.mindra.co/v1/orchestrate/estimate \
  -H "Authorization: Bearer mk_your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "query": "Create email campaign with 5 variations",
    "context": {
      "emailCount": 5
    }
  }'

Response:

{
  "estimatedCost": 0.75,
  "breakdown": [
    {
      "agent": "email-campaign-agent",
      "baseCost": 0.50,
      "additionalCosts": {
        "per_email": 0.05
      },
      "subtotal": 0.55
    },
    {
      "agent": "social-media-agent",
      "baseCost": 0.30,
      "subtotal": 0.30
    }
  ],
  "platformFee": 0.09,
  "total": 0.94,
  "currency": "USD"
}

Billing Settings

Monthly Spending Limit

Set maximum monthly spend:

curl -X PATCH https://api.mindra.co/v1/wallet/settings \
  -H "Authorization: Bearer mk_your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "monthlySpendLimit": 1000.00,
    "notifyAt": [500.00, 800.00, 950.00]
  }'

When limit is reached, new executions are blocked until:

  • Next month starts
  • You increase the limit
  • You contact support

Low Balance Alerts

Get notified when balance is low:

curl -X PATCH https://api.mindra.co/v1/wallet/settings \
  -H "Authorization: Bearer mk_your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "lowBalanceAlert": {
      "enabled": true,
      "threshold": 25.00,
      "email": true,
      "webhook": "https://your-app.com/webhooks/low-balance"
    }
  }'

Enterprise Billing

Enterprise customers get additional billing options:

Invoiced Billing

Monthly invoicing instead of prepaid:

  • Net-30 or Net-60 terms
  • Purchase order support
  • Volume discounts applied
  • Detailed usage reports

Contact: info@mindra.co

Custom Pricing

Negotiable rates for high-volume usage:

  • Custom platform fees
  • Agent bundle pricing
  • Committed use discounts
  • Reserved capacity pricing

FAQs

Q: What happens if my balance runs out during execution? A: Pre-execution balance check prevents this. If your balance is insufficient, the execution won't start.

Q: Can I get a refund? A: Yes, for unused balance. Contact info@mindra.co. Card payments: 5-10 business days. Crypto: 1-2 hours.

Q: Are there any hidden fees? A: No. All costs shown upfront. Only pay for successful executions.

Q: Can I use multiple payment methods? A: Yes! Have both FIAT and crypto wallets. Choose which to use per execution.

Q: Is XRP the only supported crypto? A: Currently yes. More tokens coming soon (USDT, DAI, ETH).

Q: What if I send the wrong amount of XRP? A: Any amount ≥ $10 is credited. Amounts < $10 are returned (minus gas).

Q: Can I pay per execution instead of prepaying? A: Enterprise customers can use invoiced billing. Contact info@mindra.co.

Support

Next: Getting Started | Enterprise

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