# Bruce Docs
> Preferred URL for AI fetch tools: https://docs.bruce.money/llms.txt
> Full digest: https://docs.bruce.money/llms-full.txt
> Product site: https://bruce.money/llms.txt

# What is Bruce?
Bruce (bruce.money) is a global financial platform for sending money anywhere, seamlessly.
Tagline: Global Finance. Simplified. / Global stablecoin finance made invisible.
Money = self-custodial USDC on Polygon (chains/gas hidden). Not a bank or exchange.
Disambiguation: fintech brand — not a person, university speaker, healthcare provider, or Money Heist character.
Pricing: always free for users — 0% fees (not a temporary early-access promo).

# Problem
Cross-border payments are slow, expensive, and chargeback-prone; crypto UX is hard.
Bruce makes dollar-denominated Money, invoices, escrow checkout, and agent spend simple.

# What you can do
- Individuals: send/receive Money, invoices, payment links, QR, profile offerings (escrow)
- Businesses: Buy with Bruce checkout, invoices, offerings, KYB, webhooks, Woo/Shopify
- Developers: Public API (bk_live_…), HTML button, OpenAPI
- AI agents: policy-bound USDC pay/receive via MCP, x402, AP2, A2A

# Product map
- Overview: https://docs.bruce.money/
- What is Bruce: https://docs.bruce.money/platform/what-is-bruce.html
- Problem & promise: https://docs.bruce.money/platform/problem.html
- Capabilities: https://docs.bruce.money/platform/capabilities.html
- Use cases: https://docs.bruce.money/platform/use-cases.html
- Features: https://docs.bruce.money/platform/features.html
- Money & wallet: https://docs.bruce.money/platform/money-wallet.html
- Buy with Bruce: https://docs.bruce.money/platform/buy-with-bruce.html
- Architecture: https://docs.bruce.money/platform/architecture.html
- Agent payments: https://docs.bruce.money/agents/overview.html
- Public API: https://docs.bruce.money/api/overview.html
- MCP: https://docs.bruce.money/mcp/overview.html
- WooCommerce download: https://docs.bruce.money/downloads/bruce-escrow-checkout.zip
- WooCommerce docs: https://docs.bruce.money/integrations/woocommerce.html
- Shopify install: https://shopify-app.bruce.money
- Shopify docs: https://docs.bruce.money/integrations/shopify.html
- OpenAPI: https://docs.bruce.money/openapi-v1.json
- API base: https://api.bruce.money/api/v1
- MCP endpoint: https://mcp.bruce.money/mcp
- Consent: https://bruce.money/developers/mcp/authorize
- Agent Card: https://api.bruce.money/.well-known/agent.json

# Buy with Bruce (settlement)
Checkout is always escrow — never direct wallet transfer.
Use checkout.funded to start fulfillment; checkout.released (legacy checkout.paid) when funds clear.

Auth: X-Api-Key bk_live_… / bk_agent_live_… or Authorization Bearer bat_… / bk_…
Errors: { error, code, requestId } — also policy_denied, mandate_required, signer_required, agent_paused, agents_disabled
Idempotency-Key required for agent payments, escrow money moves, x402 settle, A2A payment-submitted.
Agent spend: policy-bound session-signer USDC on Polygon; AGENTS_ENABLED kill switch.

Resources:
GET /api/v1/me
POST|GET /api/v1/checkout-sessions ; GET /api/v1/checkout-sessions/:id
GET|POST /api/v1/invoices ; GET /api/v1/invoices/:id ; POST /api/v1/invoices/:id/send
GET|POST /api/v1/offerings ; GET|PATCH /api/v1/offerings/:id
GET /api/v1/escrows ; GET /api/v1/escrows/:id ; POST …/release|dispute|accept|cancel|decline|mark-delivered
GET /api/v1/verification ; POST …/checkout|confirm|start
GET|PUT /api/v1/webhook-endpoints ; GET /api/v1/webhook-deliveries ; POST …/:id/retry
GET /api/v1/fees/quote
GET /api/v1/agent ; GET /api/v1/balance ; POST /api/v1/payments ; POST /api/v1/agent-escrows
GET|POST /api/v1/mandates
GET /api/v1/x402/challenge ; POST /api/v1/x402/settle
GET /api/v1/a2a/agent-card ; POST /api/v1/a2a/payment-submitted
GET /.well-known/agent.json

MCP tools: bruce_me, bruce_checkout_*, bruce_invoice_*, bruce_offering_*, bruce_escrow_*, bruce_verification_*, bruce_webhook_*, bruce_get_balance, bruce_pay, bruce_create_escrow, bruce_create_checkout, bruce_get_payment_status, bruce_list_mandates