io.github.lonniev/schwab-mcp

Tools

• schwab_account_statement

  Generate a patron's account statement at this operator. Returns the patron's purchase history, active credit tranches, per-tool usage breakdown, and recent daily usage logs. This is the patron's spending account — not the operator's Authority tax balance. Free — no credits consumed. Proof of npub ownership is required to prevent statement-scraping of arbitrary patrons.

  shallow
• schwab_account_statement_infographic

  Generate a visual SVG infographic of your account statement. Returns the same data as account_statement, rendered as a dark-themed SVG graphic with balance hero, metrics cards, health gauge, tranche table, and tool usage breakdown. Costs 1 api_sat per call. Proof is verified by ``debit_or_deny`` before any cost is incurred.

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• schwab_adoption_status

  Check this operator's adoption-request status at a chosen Authority. Free. Polls the Authority MCP-to-MCP for the status of this operator's request (pending / approved / rejected / provisioned).

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• schwab_begin_oauth

  Start the OAuth2 authorization flow. Returns an authorization URL. Open it in a browser to log in and authorize. Then call ``check_oauth_status`` with the same npub to complete. Free. Proof of npub ownership is required so an observer cannot DOS your account by initiating OAuth flows in your name. Do NOT call this pre-emptively. If a session may still be valid, attempt the live tool call first and only begin OAuth when it fails with ``upstream_auth_refresh_needed``. A 'pending' ``check_oauth_status`` is not evidence that an existing session has lapsed.

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• schwab_check_authority_balance

  Check this operator's tax balance at the Authority. Returns the sats available for certifying patron credit purchases. When this balance reaches zero, patron top-ups cannot be certified and the operator must call purchase_credits on the Authority. This is the operator's own funding — not a patron balance. Free.

  shallow
• schwab_check_balance

  Check a patron's credit balance at this operator. This is the patron's spending balance — credits purchased via Lightning for tool calls at this operator. For the operator's own balance at the Authority (needed to certify patron purchases), use authority_check_balance instead. Free — no credits required. Proof of npub ownership is required to prevent anyone-with-the-registry from enumerating balances.

  shallow
• schwab_check_oauth_status

  Check whether the OAuth2 authorization flow has completed. Call after opening the authorization URL from ``begin_oauth`` and completing the login in your browser. Free. Proof of npub ownership is required: OAuth status exposes which upstream services a patron has connected. A 'pending' result here does NOT prove an existing session has lapsed — it only reports this authorization attempt. To find out whether a session still works, attempt the live call; fall back to ``begin_oauth`` only on an explicit ``upstream_auth_refresh_needed`` error.

  shallow
• schwab_check_payment

  Check the payment status of a Lightning invoice. Call after paying the invoice from purchase_credits. Free — no credits required. Proof of npub ownership is required to prevent credit-grant front-running by an observer of the invoice ID.

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• schwab_check_price

  Preview the effective cost of a tool call. Shows the base cost and any constraint effects (discounts, free trials, surge pricing). Free — no credits required.

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• schwab_check_proof_status

  Check whether a previously-cached dpop_token is still valid. Mirrors ``check_oauth_status`` for the npub-proof flow: a calling agent can ask "will my next paid call accept this dpop_token?" before burning credits on a guaranteed failure. Free, no side effects — does not evict the cache or touch relays.

  shallow
• schwab_delete_coupon

  Delete a coupon. Cascades to all patron redemptions. Any chain step referencing the deleted coupon_id becomes a no-op (the constraint returns neutral on unknown ids) — the Studio surfaces orphan references as warnings. RESTRICTED to operator — requires proof.

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• schwab_delete_operator_credential

  Remove a single operator secret field. Deletes one key from the operator's encrypted credential blob without touching the others — the field-level counterpart to ``forget_credentials``, which wipes the whole row. Use it to retire a leftover after an SDK cutover (a Prefect key after Modal, or a stored but untemplated orphan like ``anthropic_api_key``) without taking the operator down for a full re-delivery. Stored-but-untemplated fields are first-class: the delete is keyed on what is vaulted, not on what the current template declares. Idempotent — already-absent fields report ``removed: false`` without rewriting the vault. RESTRICTED to the operator — requires proof (nsec-signed kind-27235 or a cached dpop_token phrase); patron proofs are rejected. A deletion is as destructive as a write.

  shallow
• schwab_delete_patron_credential

  Remove a single patron credential field. Deletes one field from stored credentials without affecting other fields. Free. Proof of npub ownership is required — this is a write to the patron's sensitive credential vault.

  shallow
• schwab_forget_coupon

  Remove a coupon from this patron's redemption list. Cosmetic only — the coupon itself still exists at the operator, and the patron can re-redeem the same code later while the window allows. Free — requires proof of ``npub``.

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• schwab_forget_credentials

  Delete vaulted credentials for a specific service and npub. For operator credentials, pass the operator's own npub. For patron credentials, pass the patron's npub. Always requires proof of npub ownership — a deletion is as destructive as a write.

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• schwab_get_account_numbers

  List Schwab account numbers and their hash identifiers. Call after completing OAuth. Returns accounts with hash values needed for brokerage data tools. Then call ``update_patron_credential(field="account_hash", value=<hash>)`` to set your preferred account. Free (no api_sats deducted) but **proof-gated**: the caller must prove Schnorr-control of ``npub`` via ``request_npub_proof`` + ``receive_npub_proof`` first, then pass the resulting token here. Without the proof check, an attacker who knew a patron's public npub could fetch that patron's Schwab account hashes (IDOR).

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• schwab_get_brokerage_balances

  Get the active Schwab account's current balance summary. Pulls Schwab's account endpoint and returns four bold lines: **Cash Balance:** currentBalances.cashBalance **Buying Power:** currentBalances.buyingPower **Net Liquidation:** currentBalances.liquidationValue **Day P&L:** currentBalances.liquidationValue − initialBalances.liquidationValue Day P&L is the session change in mark-to-market equity (the canonical measure of "how much did I make/lose today"). Schwab's account response does not expose a single "dayProfitLoss" field — the convention is to compute the delta against the start-of-day snapshot. Two fallback guards apply to Day P&L: 1. Missing snapshot — if either initialBalances or currentBalances is absent or has a zero liquidationValue, Day P&L reports 0.0 rather than treating zero as the baseline (which would print today's full equity as P&L). 2. Suspect snapshot — if the computed Day P&L is larger in absolute value than half of current liquidation value (e.g. $17,442 P&L on an $8,847 account), the initialBalances snapshot is treated as stale or partial and Day P&L reports 0.0. A legitimate 50%+ session change is implausible for any normal account; the tool underreports in the rare real-50% case rather than emitting nonsense in the more common stale-snapshot case. When Day P&L reads $0.00 on a session where you expect a real number, one of those two guards fired. Cross-check against position-level P&L via get_brokerage_positions.

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• schwab_get_brokerage_order

  Get full details for a single order by Schwab order ID. Returns the same one-line markdown format as get_brokerage_orders, with the average fill price computed across all executionLegs: - **<orderId>** [<status>] <orderType> | <legs> | Price: $X @ $avg_fill | Filled: <qty> | <enteredTime> Use this when you already have an orderId (e.g., from get_brokerage_orders or from a fill notification) and want a single crisp row rather than the full history list.

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• schwab_get_brokerage_orders

  Get order history for the active Schwab account. Returns one markdown row per order: - **<orderId>** [<status>] <orderType> | <leg1> / <leg2> / ... | Price: $X @ $avg_fill | Filled: <qty> | <enteredTime> Each leg formats as "<instruction> <quantity>x <symbol>" (e.g. "BUY 1x AAPL", "SELL_TO_OPEN 5x AAPL 240315C00185000"). The avg_fill suffix is the average across all executionLegs.price values for the order; omitted if the order has no fills yet. Date-window default — when from_date and to_date are both blank, the tool defaults to the last 30 days (in UTC). Pass either parameter to override; if you pass one, pass both. Schwab's order status enum (values you can pass to status_filter): AWAITING_PARENT_ORDER, AWAITING_CONDITION, AWAITING_STOP_CONDITION, AWAITING_MANUAL_REVIEW, ACCEPTED, AWAITING_UR_OUT, PENDING_ACTIVATION, QUEUED, WORKING, REJECTED, PENDING_CANCEL, CANCELED, PENDING_REPLACE, REPLACED, FILLED, EXPIRED, NEW.

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• schwab_get_brokerage_positions

  Get current positions in the active Schwab account, with automatic vertical-spread detection. Pulls Schwab's account endpoint with fields="positions" and emits up to three markdown sections, omitting any that are empty: ## Spreads — vertical spreads detected from paired option legs: - <underlying> <spread_type> (<short_strike>/<long_strike> P|C exp <date>, DTE <n>) | Credit: $X | Max Loss: $Y | Current: $Z | P&L: $W ## Options (unmatched) — single legs not paired into a spread: - <underlying> <strike> P|C exp <date> (DTE <n>) | Qty: ±N | Avg: $X | MktVal: $Y | P&L: $Z ## Equities — long/short share positions: - <symbol> | Qty: ±N | Avg: $X | Price: $Y | P&L: $Z Quantities are computed as (longQuantity − shortQuantity) — short positions show as negative numbers in Qty. Spread detection is heuristic: legs of the same underlying with matching expiration and put/call type, opposite long/short direction, and adjacent strikes get paired. Anything that doesn't fit cleanly drops into Options (unmatched). The tool does not currently detect iron condors, butterflies, or calendars — those will appear as multiple Options (unmatched) rows.

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• schwab_get_brokerage_transaction

  Get full details for a single transaction by Schwab transaction ID. Returns the same one-line markdown format as get_brokerage_transactions: - **<activityId>** [<type>] <tradeDate> | <symbols/qtys> | Net: $<amount> Use this when you have a specific transactionId (from get_brokerage_transactions, a journal entry, or a confirmation) and want the canonical row rather than scanning a history window.

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• schwab_get_brokerage_transactions

  Get transaction history for the active Schwab account. Returns one markdown row per transaction: - **<activityId>** [<type>] <tradeDate> | <qty>x <symbol> | <qty>x <symbol> ... | Net: $<amount> Symbols come from the transaction's transferItems collection (one item per leg, e.g. equity bought + cash debit), with the per-leg amount as quantity. When no transferItems have symbols, the row falls back to the transaction's description text in place of the symbol list. Date-window default — when from_date and to_date are both blank, the tool defaults to the last 30 days (in UTC). Pass both or neither. Schwab's transaction type enum (values you can pass to transaction_types): TRADE, RECEIVE_AND_DELIVER, DIVIDEND_OR_INTEREST, ACH_RECEIPT, ACH_DISBURSEMENT, CASH_RECEIPT, CASH_DISBURSEMENT, ELECTRONIC_FUND, WIRE_OUT, WIRE_IN, JOURNAL, MEMORANDUM, MARGIN_CALL, MONEY_MARKET, SMA_ADJUSTMENT. Empty string = all types.

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• schwab_get_market_hours

  Get trading hours for one or more market types. Returns nested markdown — one block per market product Schwab knows about within the requested categories: **<Product Name>** — OPEN | CLOSED Pre Market: YYYY-MM-DDTHH:MM — YYYY-MM-DDTHH:MM Regular Market: YYYY-MM-DDTHH:MM — YYYY-MM-DDTHH:MM Post Market: YYYY-MM-DDTHH:MM — YYYY-MM-DDTHH:MM Sessions are emitted only when Schwab reports hours for them — a closed market on a weekend or holiday will have no session lines under it.

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• schwab_get_market_movers

  Get top movers for a market index — Schwab's curated mover screener. Returns up to 20 rows (capped server-side here, not by Schwab) in a markdown table.

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• schwab_get_nostr_profile

  Read an npub's public Nostr profile (NIP-01 kind-0 metadata). Free, no proof — the data is already public on relays. Returns the latest metadata fields (name, display_name, about, picture, banner, nip05, website, lud16) or an empty profile if none is published.

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• schwab_get_notarization_proof

  Generate a Merkle inclusion proof that a patron's balance was included in a Bitcoin-notarized snapshot.

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• schwab_get_operator_onboarding_status

  Report this operator's configuration readiness. Shows which operator settings are configured, which are missing, and how to deliver each missing value. For patron-level credential status, use get_patron_onboarding_status instead. Free.

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• schwab_get_option_chain

  Get a filtered option chain suitable for spread evaluation. Returns a markdown table of surviving contracts with one row per leg. Header line carries the underlying price and the active filter constants.

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• schwab_get_patron_credential_fields

  List stored patron credential field names (not values). Returns the names of fields stored for a patron, plus each field's ``delivered_at`` ISO-8601 timestamp when known (null for secrets vaulted before timestamps were recorded). Values are never exposed — use this to verify which fields are configured and how old each one is. Free. Proof of npub ownership is required: the list of configured fields is itself sensitive (reveals which integrations a patron has set up).

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• schwab_get_patron_onboarding_status

  Report a patron's credential readiness for this operator. For set-once services (eXcalibur, TheBrain), shows which patron secrets are configured and which are missing. For dynamic/OAuth2 services (Schwab), reports that no patron credentials are needed. Free. Proof of npub ownership is required because credential presence is sensitive information about the patron's setup.

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• schwab_get_price_history

  Get historical OHLCV candle data for a symbol. Returns a markdown table of the most recent candles within the requested period, capped at the last 30 rows for readability. A footnote line is added when truncation occurs so the agent knows more data was available.

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• schwab_get_pricing_model

  Get the active pricing model for this operator. Free. If no model exists, self-initializes a scaffold with all registered tools at 0 sats. No economic data from code.

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• schwab_get_stock_quote

  Get real-time quotes for one or more symbols.

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• schwab_list_canonical_identities

  Return canonical (tool_id, mcp_name, …) for every tool the wheel exposes. The authoritative source for any client (Studio, agents, FE) that needs to know how this MCP identifies its tools. Reconcile uses this output to UUID-join against the stored pricing model — no name-based UUID derivation, no guessing. Includes both ToolIdentity-seeded tools and any UUID recorded by ``@paid_tool`` that is missing from the registry. The latter appear with ``registered: false`` (and in the top-level ``unregistered`` array) so Reconcile can flag deploy drift instead of silently reporting clean when a live tool was never seeded (#174). If the operator renames a function or rebrands a slug, the mcp_name in this output changes but tool_id stays. That's the whole point of the canonical-UUID design. Also diffs the live FastMCP wire surface against the registry. Tools exposed on the wire but absent from the registry appear in ``unregistered`` so Reconcile can flag deploy drift instead of silently under-reporting (issue #175). Free, no side effects.

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• schwab_list_constraint_types

  List all available constraint types and their parameter schemas. Returns the type, category, description, and parameter specs for every constraint that can be used in a pricing pipeline. Free — no credits required.

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• schwab_list_coupons

  List every coupon this operator has minted (newest first). Each row carries the current ``times_redeemed`` counter — the Studio renders a progress bar from this against ``total_uses``. RESTRICTED to operator — requires proof.

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• schwab_list_my_coupons

  List the coupons this patron has redeemed on this operator. Returns both active and exhausted redemptions with a per-row ``status`` (``active`` / ``window_closed`` / ``patron_limit`` / ``total_limit``). Free — requires proof of ``npub``.

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• schwab_list_notarizations

  List recent Bitcoin notarization records.

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• schwab_mint_coupon

  Create a new operator-owned discount coupon.

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• schwab_notarize_ledger

  Build a Merkle tree of all patron balances and submit the root to Bitcoin via OpenTimestamps. Operator-only background task. Bitcoin confirmation takes 1-6 hours. Free — no credits required.

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• schwab_oracle_about

  Describe the DPYC ecosystem via the Oracle. Free.

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• schwab_oracle_get_tax_rate

  Get the current DPYC certification tax rate. Free.

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• schwab_oracle_how_to_join

  Get DPYC onboarding instructions from the Oracle. Free.

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• schwab_oracle_lookup_member

  Look up a DPYC community member by npub. Free.

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• schwab_oracle_network_advisory

  Get active network advisories from the Oracle. Free.

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• schwab_publish_nostr_profile

  Publish a CLIENT-SIGNED kind-0 profile to relays for an npub. The wheel never holds a patron nsec. The frontend signs the kind-0 metadata event with the patron's session key or a NIP-07 extension and passes the signed event (JSON) here; the wheel verifies the signature matches the npub, then relays it to public relays. The signature is the authorization — no proof token, no key custody. Free.

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• schwab_purchase_credits

  Buy credits via Bitcoin Lightning. Creates a Lightning invoice. Pay it with any Lightning wallet, then call check_payment to confirm. Proof of npub ownership is required so credits land in the correct ledger. Free — no credits required to call.

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• schwab_receive_credentials

  Pick up credentials from the Secure Courier. Completes the CREDENTIAL-DELIVERY flow (the ownership-proof counterpart is ``receive_npub_proof``). **Call this only after the user confirms they have replied.** Deterministic, one-shot retrieval: name the response you want with ``(sender_npub, service, dpop_token)`` and the tool drains ONLY the rendezvous relay that channel was pinned to. Every popped DM with the wrong session phrase is deleted and its sender is NACK'd; the first DM with the matching phrase is accepted (ACK'd) and the scan stops. If none match, the queue is drained and a ``courier_not_found`` result is returned. Do NOT poll, loop, or retry. If a credential_card (ncred1...) is provided, it is redeemed directly without any relay access (dpop_token not required for that path). On success, the payment processor client is reinitialized from the new credentials — no server restart needed.

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• schwab_receive_npub_proof

  Receive npub ownership confirmation from a patron. Completes the npub-OWNERSHIP-PROOF flow (the credential-delivery counterpart is ``receive_credentials``). **Call this only after the user confirms they have replied.** Deterministic, one-shot retrieval: name the response with ``(patron_npub, dpop_token)`` — the ``dpop_token`` being the value returned by ``request_npub_proof``. The tool drains ONLY the pinned rendezvous relay that challenge was published on, stopping at the DM whose phrase matches. Mismatched DMs are deleted and NACK'd (without revealing the expected phrase). If called before the user replies, their message will never be found. Do NOT poll, loop, or retry. The signed DM itself proves npub ownership (the patron's nsec signed it). On success, returns the ``dpop_token`` — the same token. The calling application MUST remember it and pass it as the ``dpop_token`` parameter on every subsequent paid tool call. The proof (a hash of the token) is stored in the vault keyed by that hash — the MCP never stores the raw token itself. Free.

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• schwab_redeem_coupon

  Claim a coupon by its name (the code the operator shared). Looks up the operator's coupon by ``code``, validates the window and total cap, and records a per-patron redemption row. Subsequent paid tool calls on this MCP auto-apply the discount until ``uses_per_patron`` is exhausted. Free — no credits required. Requires proof of ``npub``. Idempotent: redeeming the same code twice returns the existing redemption.

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• schwab_report_issue

  File a field report about this service as a GitHub issue on the operator's repo. Found a tool's metadata or response wrong or confusing? Report it where the tool lives. The **author of record is your npub** — no npub / no proof, no issue — and it is stamped into the issue so the report is attributed to you, not the operator. Costs a small fee (a free write to an issue tracker would be abused). The report is PUBLIC and goes to the maintainers' normal triage; nothing is verified here. Returns the filed issue's repo, number, and url. If this operator has not enabled field reports, returns an "issue reporting not configured" situation and you are not charged.

  shallow
• schwab_request_adoption

  Ask a chosen Authority to adopt this operator (deferred courtship). RESTRICTED to the operator — requires proof the caller controls this operator's npub. Resolves the Authority's MCP endpoint from the community registry, mints an inline ownership proof with this operator's nsec, and delivers the request MCP-to-MCP. The Authority records it as pending; its owner approves on their own time. Poll ``adoption_status`` for progress; the operator flips to ``ready`` once the Authority provisions it.

  shallow
• schwab_request_credential_channel

  Open a Secure Courier channel for credential delivery. This is the CREDENTIAL-DELIVERY flow — use it to hand over a service secret (API keys, tokens). To merely prove you control an npub (the usual answer to a ``proof_required`` error), use ``request_npub_proof`` instead. Note: dynamic/OAuth2 services (e.g. Schwab) need NO couriered secret — check ``service_status`` first. Sends a welcome DM with a credential template. The recipient must read the DM in their Nostr client, fill in the fields, and reply manually. **This is a human-in-the-loop flow.** After calling this tool, STOP and tell the user what to do. Wait for the user to confirm they have replied before calling ``receive_credentials``. Do NOT poll or retry — each ``receive_credentials`` call destructively drains the relay mailbox.

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• schwab_request_npub_proof

  Request npub ownership proof from a patron via Nostr DM. This is the npub-OWNERSHIP-PROOF flow — use it when a call returns ``proof_required``. It proves the caller controls an npub; it does NOT deliver any service secret. To hand an operator its API keys or OAuth secrets, use ``request_credential_channel`` instead. Sends a challenge DM that the patron must sign and reply to using their Nostr client. **This is a human-in-the-loop flow.** After calling this tool, STOP and tell the user to check their Nostr client and reply to the challenge. Wait for the user to confirm they have replied before calling ``receive_npub_proof``. Do NOT poll or retry — each ``receive_npub_proof`` call destructively drains the relay mailbox. **Returns** a ``dpop_token`` — the demonstrated-proof-of-possession token that the calling application MUST remember and pass as the ``dpop_token`` parameter on every subsequent paid tool call. The MCP does not retain this value across restarts. **Lifecycle:** The cached proof expires after the patron's chosen duration. When it expires, call ``request_npub_proof`` again for a fresh challenge, then wait for the user, then call ``receive_npub_proof``. Free.

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• schwab_reset_pricing_model

  Erase all pricing models and restore a viable default. Deletes every stored model, then self-initializes a fresh one from the tool registry — all tools at 0 sats with proper UUIDs. Returns the new model. RESTRICTED to operator — requires proof (nsec-signed).

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• schwab_restore_credits

  Credit a patron's ledger from a BTCPay-settled invoice. **RESTRICTED to the operator** — the operator owns the books and is the only party who can issue a manual credit grant. Patrons who believe they paid but never got credits must escalate to the operator's support, who then invokes this tool on their behalf. Use cases: cold-start vault races during check_payment, ncred delivery hiccups, patrons closing Top-Off sheets before settle, any infrastructure incident that left an invoice settled at BTCPay but uncredited on the operator's ledger. Idempotent — if the invoice is already credited (in the patron's ``credited_invoices``), returns success with credits_granted=0.

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• schwab_restore_neon_schema

  Re-run ``ensure_schema()`` on every NeonVault this operator uses. Diagnostic / recovery tool for the case where the Neon HTTP SQL API is returning persistent 4xx errors and the operator suspects the schema isn't there or grants are wrong. Idempotent — uses ``CREATE TABLE IF NOT EXISTS`` so a successful re-run is harmless. Returns the per-step result. If any step raises, surfaces the Neon error message inline (0.31.0 reads the SQL error body that earlier wheels swallowed behind ``raise_for_status``). RESTRICTED to operator — requires proof (nsec-signed).

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• schwab_search_instruments

  Search Schwab's instrument catalog by symbol, name, or CUSIP. Returns up to 25 results in a markdown list (capped server-side here; Schwab itself may return more). A truncation footnote appears when the full result set exceeded 25. Each row carries: symbol, asset type, description, optional exchange, optional CUSIP, and — when projection="fundamental" — P/E, dividend yield, and market cap in $B or $M. - **<SYM>** (<ASSET_TYPE>) — <description> [<EXCHANGE>] CUSIP:<CUSIP> | P/E:N.N | Yield:N.NN% | MktCap:$XB Projection options (Schwab's API enum — determines how the search term is interpreted, not just what fields come back): - symbol-search: exact match on symbol (default; cheapest call). - symbol-regex: regex match against symbols. The pattern is regex, not a glob — "AAP.*" matches AAPL, AAP, etc. - desc-search: full-text match against the instrument description ("Apple", "semiconductor"). - desc-regex: regex against descriptions. - fundamental: fetch fundamentals (P/E, yield, market cap) for a specific symbol. Use this when you already know the ticker and want the numbers, not a search.

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• schwab_service_status

  Check the health and configuration of this service. Free.

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• schwab_session_status

  Check operator readiness. Returns the operator lifecycle state and clear guidance on what to do next. Free. Lifecycle states: - ready: Operator is warm and fully operational — vault AND pricing model verified. Proceed with tool calls. - warming_up: Operator is initializing (cold start). Try a tool call — it will warm up on demand. - misconfigured: Persistence rejected a query with a permanent SQL error (permission denied, missing relation). Paid tools will fail until the operator repairs the database — retrying does not help. - quota_exceeded: The persistence provider (Neon) answered HTTP 402 — the operator's database has exhausted its compute/storage quota, so the books are locked for billing. Paid tools fail; retrying does NOT help. The operator's Authority must restore capacity (upgrade the plan or wait for the quota reset). Free tools remain available. - not_registered: Operator has no Authority relationship yet. Call register_operator first. - no_identity: Operator nsec is not configured. Deployment issue.

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• schwab_set_pricing_model

  Set the active pricing model. RESTRICTED to operator. Requires a valid proof (Schnorr-signed kind-27235 event) proving the caller holds the operator's nsec.

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• schwab_update_coupon

  Patch a coupon's editable fields. Pass only the fields you want to change. To set a cap to unlimited (NULL in the schema), pass ``clear_uses_per_patron=true`` or ``clear_total_uses=true``. Renaming the code is allowed — existing patron redemption rows survive (they key on coupon id). RESTRICTED to operator — requires proof.

  shallow
• schwab_update_operator_credential

  Add or update a single operator secret field. Merges into the operator's stored credentials without touching the others — the field-level counterpart to re-delivering the whole bundle over Secure Courier. Use it to rotate one secret (a reissued ``btcpay_api_key``, say) without restating the six you did not change, where any field omitted from a courier reply is destroyed. The value is never echoed back. RESTRICTED to the operator — requires proof (nsec-signed kind-27235 or a cached dpop_token phrase); patron proofs are rejected.

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• schwab_update_patron_credential

  Add or update a single patron credential field. Merges into existing stored credentials without affecting other fields. Useful for setting an account identifier after OAuth, changing a default brain, etc. Free. Proof of npub ownership is required — this is a write to the patron's sensitive credential vault.

  shallow

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