# Dial operator

> Agentic peer-to-peer crypto payments over SMS. Humans text +1 806 607 1387; agents use the MCP server. Send, request and invoice USDC to anyone with a phone number. Testnet.

## For people
- Text "hi" to +1 806 607 1387, reply with a name, then text things like "send @jeremy $5", "request $25 from adam", "411 jeremy", "balance".
- Every payment is approved by a one-time code texted to the payer (or a passkey). Reply STOP to stop texts.
- Pay pages, crypto Zelle style: https://dialoperator.cc/@<handle> (add ?amount=5&note=pizza). Pay by text or scan with any wallet. JSON for agents at https://dialoperator.cc/@<handle>.json.
- Wallet: text "wallet" for a one-time link to https://dialoperator.cc/wallet (balances, deposit addresses, pay link, agents).

## For agents (MCP)
- Endpoint: https://dialoperator.cc/api/mcp (Streamable HTTP, bearer auth)
- Get a key: Text "connect agent" to +1 806 607 1387. Open the link, enter the texted code, copy the key (dial_ak_…).
- Skill: npx skills add Dial-WTF/text-my-crypto
- Rule: Agents start payments. A human approves every one, by a code texted to their phone or a passkey.
- Wallet JSON: GET https://dialoperator.cc/api/wallet with the same bearer key (read-only)

### Tools
- send_payment: pay anyone with a phone number, @handle or name
- request_payment: ask someone to pay you
- create_invoice: bill a client
- get_payment: track status and receipt
- get_balance: USDC per chain
- withdraw: move USDC to any address
- split_payment: split a bill: one approval, one Tempo transaction
- resolve_recipient: contacts → directory lookup
- list_payments: recent history
- get_pay_link: crypto Zelle: a pay page for you or any @handle
- get_wallet: balances, deposit addresses, activity
- list_chain_features: what each chain can do beyond sending
- send_stock: gift Robinhood Chain stock tokens, like 0.1 TSLA
- get_stocks: stock token holdings on Robinhood Chain
- send_to_hyperliquid: move USDC from HyperEVM into a Hyperliquid spot balance
- get_hyperliquid_balance: USDC in the owner's Hyperliquid spot balance
- get_price: Hyperliquid mid price for a coin, quote only

## Chains
Live: switched on and a payment has settled there. Ready: switched on, no payment settled yet. Wired: built and tested, switched off. Building: not settling yet.
- Solana: Live · devnet. USDC settlement, memo per payment, on-chain escrow for people not on Dial yet. https://dialoperator.cc/chains/solana
- Tempo: Ready · Moderato. Stablecoin payments with a memo; operator pays the fees. https://dialoperator.cc/chains/tempo
- Base: Ready · Sepolia. USDC by signed authorization; operator pays the gas. https://dialoperator.cc/chains/base
- Ethereum: Ready · Sepolia. USDC on L1 by signed authorization; operator pays the gas. https://dialoperator.cc/chains/ethereum
- Arbitrum: Ready · Sepolia. USDC on Arbitrum, same signed-authorization flow. https://dialoperator.cc/chains/arbitrum
- Hyperliquid: Ready · testnet. USDC on HyperEVM, same signed-authorization flow. https://dialoperator.cc/chains/hyperevm
- Robinhood Chain: Ready · testnet. Same EVM flow, in a test dollar until there is test USDC on it. https://dialoperator.cc/chains/robinhood
- Zcash: Building. Shielded testnet ZEC through our Rust wallet service, payment id in the encrypted memo. https://dialoperator.cc/chains/zcash

## Limits
- $50: most in one payment
- $200: most you can send in a day
- Over $20: your passkey approves it, once you add one
- $2: test USDC in your wallet when you sign up
- 7 days: for someone new to claim your payment; after that, text “reclaim”

## Links
- Site: https://dialoperator.cc
- Ledger: https://dialoperator.cc/ledger (every settled payment, linked to its transaction)
- Ledger JSON: https://dialoperator.cc/ledger.json (payments, stats and treasury addresses)
- For judges: https://dialoperator.cc/judges (what it is, how to try it, one page per chain)
- How it works: https://dialoperator.cc/how-it-works
- Agents: https://dialoperator.cc/agents
- Status: https://dialoperator.cc/status
- Terms: https://dialoperator.cc/terms
- Privacy: https://dialoperator.cc/privacy
- Source: https://github.com/Dial-WTF/text-my-crypto
- Company: https://dial.work