| Pay for a human (flights, hotels, SaaS) | Virtual Visa/MasterCard prepaid. Payment only — no inbound card transfers. | list_card_products → create_card → topup_card → get_card_details (JWE). 3DS: list_notifications (payload.code). Never SMS. |
| Pay for the agent (GPU, VPS, datacenter that bills a card) | Same Visa prepaid | Same card tools. Present PAN at checkout. |
| Cheap mobile data | Travel eSIM (150+ countries plus Russia plans) | list_esim_plans → purchase_esim |
| Brand credit (iCloud, App Store, Google Play, Steam, games, retail) | Digital gift cards. About 20,000 positions / ~2,000 unique items. Search the live list. | list_gift_offers (query) → purchase_gift |