Raise MCP Kernel card cap to 10,000 USD

[hiroTamada]

Summary

• Raise the Kernel card schema maximum from 50,000 to 1,000,000 minor currency units ($500 to $10,000 USD), matching the API. This updates both tools/list and request validation.
• Update transaction-reporting guidance and payment documentation to the same ceiling, while retaining the approved-amount restriction.
• Cover the advertised schema, requests above the former cap and at the new cap, invalid amounts, and transaction reporting at the cap.
• Leave Link Pay Token and Link virtual-card limits unchanged.

Validation

• bun test: 1,068 passed.
• bunx --no-install tsc --noEmit --incremental false: passed.
• Prettier checks for all changed files: passed.
• Confirmed new schema/acceptance tests fail against the previous cap.
• No live payment was attempted; deployment is still required.

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Note

Medium Risk
Changes payment amount validation and agent-facing limits for Kernel cards; scope is bounded validation/docs alignment with the API, not new payment behavior.

Overview
Raises the Kernel-hosted vault card spend ceiling in MCP from 50,000 to 1,000,000 minor currency units (documented as up to $10,000 USD), aligning local Zod validation and tools/list schemas with the Kernel API.

confirm_transaction guidance and docs now use the same 0..1,000,000 range (still capped by the approved amount). Link Pay Token / Link virtual-card limits are unchanged.

Adds tests for the advertised schema cap, create acceptance/rejection around the new bound, and reporting at the maximum amount.

^{Reviewed by Cursor Bugbot for commit 378b8b2. Bugbot is set up for automated code reviews on this repo. Configure here.}

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Project	Deployment	Actions	Updated
mcp	Ready	Preview	Oct 16, 2026 5:15pm UTC