# Nevermined payments

Accept autonomous agent payments on the Signal Credit Union gateway.

## Plan

Plan ID: returned on the HTTP 402 challenge when the rail is configured.

Scheme: `nvm:erc4337`

Send the access token in the `payment-signature` header. The gateway verifies it, runs the feature, then settles. One credit equals one cent of the configured price. The same token returns the original result and is not settled twice.

## Priced features

- Rate quote (`/api/v1/rates/quote`): An agent asks for a signed rate your lending policy can stand behind.
- Rate lock (`/api/v1/rates/lock`): An agent binds that rate for the member. This is the first call most unions charge for.
- Pre-qualification (`/api/v1/underwriting/prequal`): An agent requests an underwriting decision before an application is complete.

The public quote and lock paths `/api/v1/quote` and `/api/v1/lock` are outside this rail. Paid calls use the paths above.