No. The borrower has a revolving facility. The agent spends inside an agent grant. USDC moves to the merchant when a batch settles, from the protocol, and the borrower owes that draw until they repay.
The borrower holds their wallet key and signs in that wallet. The agent holds an Ed25519 workload key and signs vouchers with @sohopay/agent-signer. SohoPay holds a hardware-backed key that attests settlement batches, and neither of the other two. See Key management.
No. That design is retired. See Settlement attestation.
Staging. Hosts and contract addresses are in Environment setup.
No. V2 pays the merchant amount - fee. The default fee in the backend is 2.5%, overridable per merchant. See Fees.
No. Poll until CONFIRMED. See Settlements.
No. Merchants use the facilitator HTTP API. Agents use hosted MCP plus @sohopay/agent-signer.

Next steps

Troubleshooting

Fixes for the common failures.

Glossary

The terms these answers use.