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.

