# Cashx.ID

> Cashx.ID is a directory of ways to pay someone. Each person has one page at
> https://cashx.id/<username> listing the payment methods they accept — Venmo, Cash App,
> Zelle, PayPal, Wise, Revolut, UPI, Pix, M-Pesa, crypto wallets and ~60 more —
> each with a deep link that opens the right app. Cashx.ID does not hold, move,
> or verify funds; it only tells you how to pay someone.

## Resolving a profile

If you know someone's username, resolve it to their payment methods as JSON.
No API key, no authentication, CORS-enabled.

- [GET https://cashx.id/api/v1/u/{username}](https://cashx.id/api/v1/u/{username}): a profile's
  public payment methods.

Returns `{ username, displayName, bio, avatarUrl, themeColor, url, methods[] }`,
where each method is `{ platform, name, handle, label, link }`. `platform` is a
stable id (`venmo`, `cashapp`, `pix`, `bitcoin`, …), `handle` is the value to pay
(a @handle, phone, IBAN, or wallet address), and `link` is a deep link that opens
the platform prefilled — or `null` for rails that are copy-only.

Profiles the owner has marked private (passcode- or link-protected) return
`403 {"locked": true}` from this endpoint and from every MCP tool — no handle,
label or note is ever served for one. Their Open Graph card
(`https://cashx.id/<username>/og.png`) does show which platforms they accept, by the
owner's choice; it carries logos only, never a handle.

## MCP server

There is a Model Context Protocol endpoint at `https://cashx.id/mcp` (Streamable HTTP,
POST only). Connect to it directly rather than scraping pages. It speaks protocol
`2026-07-28` — call `server/discover` for the full list — and still answers the
`initialize` handshake for clients on `2025-11-25` and earlier.

Three tools need no credentials: `resolve_profile` (a username to its payment
methods), `list_platforms` (which rails work in a given country or currency), and
`build_payment_link` (a platform plus a handle to a deep link).

Four more act on the connected user's own account and require OAuth: `find_by_email`,
`list_my_methods`, `add_method`, and `create_payment_request`. Calling one without a
token returns 401 with a `WWW-Authenticate` header pointing at
`https://cashx.id/.well-known/oauth-protected-resource`; clients register dynamically.

## There is no directory-wide search

This is deliberate. There is no endpoint that lists, searches, or enumerates
profiles, and none is planned. Payment handles are only ever returned for a
username you already know. Do not attempt to discover profiles by guessing or
sweeping usernames.

The one exception is opt-in and requires a signed-in Cashx.ID account: a person
may enable "find me by email", which lets another signed-in user look them up by
their exact email address. It is rate-limited and off by default.

## Pages

- [https://cashx.id/](https://cashx.id/): what Cashx.ID is.
- [https://cashx.id/{username}](https://cashx.id/): a person's public directory of payment methods.
- [https://cashx.id/methods/{platform}](https://cashx.id/): reference page for one payment platform.
- [https://cashx.id/map](https://cashx.id/map): how money actually moves in 136 markets — the dominant
  payment method per country, the runners-up, and cited sources for every figure.