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1

Create a testnet account

Sign up at openfi.co and generate a testnet API key from the developer dashboard.
2

Set your API key

3

Make a one-time payment

4

Set up an agentic (recurring) debit

Recurring, agent-initiated pulls require three calls in sequence: a mandate, a session key, and then one or more debit pulls.
Testnet mandates and session keys run against a simulated allowance state machine. No real bank pull or on-chain transaction occurs until you switch to a mainnet key.