diff --git a/packages/atxp/package.json b/packages/atxp/package.json
index d4130b8..317f37e 100644
--- a/packages/atxp/package.json
+++ b/packages/atxp/package.json
@@ -19,8 +19,8 @@
     "build": "tsc && cp -r src/vendor/*.cjs dist/vendor/",
     "dev": "tsx src/index.ts",
     "typecheck": "tsc --noEmit",
-    "lint": "eslint . --ext .ts",
-    "lint:fix": "eslint . --ext .ts --fix",
+    "lint": "eslint . --ext .ts --ignore-pattern 'src/vendor/'",
+    "lint:fix": "eslint . --ext .ts --fix --ignore-pattern 'src/vendor/'",
     "test": "vitest run",
     "prepublishOnly": "npm run build"
   },
diff --git a/packages/atxp/src/commands/deposit.ts b/packages/atxp/src/commands/deposit.ts
index 85104d1..04a67ab 100644
--- a/packages/atxp/src/commands/deposit.ts
+++ b/packages/atxp/src/commands/deposit.ts
@@ -1,72 +1,142 @@
 import chalk from 'chalk';
+import open from 'open';
 import { getConnection } from '../config.js';
 
-const ACCOUNT_URL = 'https://accounts.atxp.ai/me';
+const DEFAULT_AMOUNT = 10;
+const MIN_AMOUNT = 1;
+const MAX_AMOUNT = 1000;
 
-/**
- * Extract the connection_token from the ATXP_CONNECTION string.
- * Connection string format: https://accounts.atxp.ai?connection_token=<token>
- */
-function getConnectionToken(connectionString: string): string | null {
-  try {
-    const url = new URL(connectionString);
-    return url.searchParams.get('connection_token');
-  } catch {
-    return null;
-  }
-}
-
-export async function depositCommand(): Promise<void> {
+function getAccountsAuth(): { baseUrl: string; token: string } {
   const connection = getConnection();
-
   if (!connection) {
     console.error(chalk.red('Not logged in.'));
     console.error(`Run: ${chalk.cyan('npx atxp login')}`);
     process.exit(1);
   }
-
-  const token = getConnectionToken(connection);
+  const url = new URL(connection);
+  const token = url.searchParams.get('connection_token');
   if (!token) {
-    console.error(chalk.red('Error: Could not extract connection token.'));
-    console.error('Your ATXP_CONNECTION may be malformed. Try logging in again:');
-    console.error(chalk.cyan('  npx atxp login --force'));
+    console.error(chalk.red('Invalid connection string: missing connection_token'));
     process.exit(1);
   }
+  return { baseUrl: `${url.protocol}//${url.host}`, token };
+}
+
+function getArgValue(flag: string): string | undefined {
+  const index = process.argv.findIndex((arg) => arg === flag);
+  return index !== -1 ? process.argv[index + 1] : undefined;
+}
+
+function showFundHelp(): void {
+  console.log(chalk.bold('Fund Commands:'));
+  console.log();
+  console.log('  ' + chalk.cyan('npx atxp fund') + '               ' + 'Show funding options for your account');
+  console.log('  ' + chalk.cyan('npx atxp fund --amount 100') + '  ' + 'Request a $100 payment link (agents only)');
+  console.log();
+  console.log(chalk.bold('Options:'));
+  console.log('  ' + chalk.yellow('--amount') + '  ' + `Suggested amount in USD ($${MIN_AMOUNT}-$${MAX_AMOUNT}, default: $${DEFAULT_AMOUNT})`);
+  console.log('  ' + chalk.yellow('--open') + '    ' + 'Open the payment link in your browser');
+  console.log();
+  console.log(chalk.bold('How it works:'));
+  console.log('  Shows all available ways to fund your account:');
+  console.log('  - Crypto deposit addresses (USDC on supported chains)');
+  console.log('  - Payment link (agent accounts only) - shareable Stripe link');
+  console.log('  The payer can adjust the amount at checkout.');
+}
+
+export async function depositCommand(): Promise<void> {
+  if (process.argv.includes('--help') || process.argv.includes('-h')) {
+    showFundHelp();
+    return;
+  }
+
+  const { baseUrl, token } = getAccountsAuth();
+
+  // Parse amount for payment link
+  const amountStr = getArgValue('--amount');
+  let amount = DEFAULT_AMOUNT;
+  if (amountStr) {
+    amount = parseFloat(amountStr);
+    if (isNaN(amount) || amount < MIN_AMOUNT || amount > MAX_AMOUNT) {
+      console.error(chalk.red(`Invalid amount: must be between $${MIN_AMOUNT} and $${MAX_AMOUNT}`));
+      process.exit(1);
+    }
+  }
+
+  const shouldOpen = process.argv.includes('--open');
+
+  console.log(chalk.gray('Fetching funding options...'));
 
   try {
-    const credentials = Buffer.from(`${token}:`).toString('base64');
-    const response = await fetch(ACCOUNT_URL, {
+    const res = await fetch(`${baseUrl}/api/funding/fund`, {
+      method: 'POST',
       headers: {
-        'Authorization': `Basic ${credentials}`,
+        'Authorization': `Bearer ${token}`,
         'Content-Type': 'application/json',
       },
+      body: JSON.stringify({ amount }),
     });
 
-    if (!response.ok) {
-      console.error(chalk.red(`Error: ${response.status} ${response.statusText}`));
+    if (!res.ok) {
+      const body = await res.json().catch(() => ({})) as Record<string, string>;
+      console.error(chalk.red(`Error: ${body.error || res.statusText}`));
       process.exit(1);
     }
 
-    const data = await response.json();
+    const data = await res.json() as {
+      paymentLink: {
+        url: string;
+        paymentLinkId: string;
+        suggestedAmount: number;
+        minAmount: number;
+        maxAmount: number;
+      } | null;
+      cryptoDeposit: Array<{
+        address: string;
+        network: string;
+        currency: string;
+      }>;
+    };
 
-    if (data.sources && Array.isArray(data.sources) && data.sources.length > 0) {
+    console.log();
+
+    // Display crypto deposit addresses
+    if (data.cryptoDeposit && data.cryptoDeposit.length > 0) {
       console.log(chalk.bold('Fund via USDC:'));
-      for (const source of data.sources) {
-        const chain = source.chain.charAt(0).toUpperCase() + source.chain.slice(1);
+      for (const source of data.cryptoDeposit) {
+        const chain = source.network.charAt(0).toUpperCase() + source.network.slice(1);
         console.log(`  ${chalk.cyan(chain)}: ${source.address}`);
       }
       console.log();
-      console.log(chalk.bold('Fund via credit card or other payment methods:'));
-      console.log(`  ${chalk.underline('https://accounts.atxp.ai/fund')}`);
-    } else {
-      console.log(chalk.yellow('No deposit addresses found for this account.'));
+    }
+
+    // Display payment link (agent accounts only)
+    if (data.paymentLink) {
+      console.log(chalk.bold('Fund via payment link:'));
+      console.log('  ' + chalk.bold('Suggested:') + '  ' + chalk.green(`$${data.paymentLink.suggestedAmount.toFixed(2)}`));
+      console.log('  ' + chalk.bold('Range:') + '      ' + chalk.gray(`$${data.paymentLink.minAmount} - $${data.paymentLink.maxAmount}`));
+      console.log('  ' + chalk.bold('URL:') + '        ' + chalk.cyan.underline(data.paymentLink.url));
+      console.log();
+      console.log(chalk.gray('Share this link with anyone to fund your account.'));
+      console.log(chalk.gray('The payer can adjust the amount at checkout.'));
+
+      if (shouldOpen) {
+        console.log();
+        console.log(chalk.gray('Opening in browser...'));
+        await open(data.paymentLink.url);
+      }
+    }
+
+    // If neither is available
+    if ((!data.cryptoDeposit || data.cryptoDeposit.length === 0) && !data.paymentLink) {
+      console.log(chalk.yellow('No funding options found for this account.'));
       console.log();
       console.log(chalk.bold('Fund via credit card or other payment methods:'));
       console.log(`  ${chalk.underline('https://accounts.atxp.ai/fund')}`);
     }
   } catch (error) {
     const errorMessage = error instanceof Error ? error.message : String(error);
-    console.error(chalk.red(`Error fetching funding info: ${errorMessage}`));
+    console.error(chalk.red(`Error fetching funding options: ${errorMessage}`));
     process.exit(1);
   }
 }
diff --git a/packages/atxp/src/commands/topup.ts b/packages/atxp/src/commands/topup.ts
deleted file mode 100644
index 1ea8e5c..0000000
--- a/packages/atxp/src/commands/topup.ts
+++ /dev/null
@@ -1,118 +0,0 @@
-import chalk from 'chalk';
-import open from 'open';
-import { getConnection } from '../config.js';
-
-const DEFAULT_ACCOUNTS_URL = 'https://accounts.atxp.ai';
-const DEFAULT_AMOUNT = 10;
-const MIN_AMOUNT = 1;
-const MAX_AMOUNT = 1000;
-
-function getAccountsAuth(): { baseUrl: string; token: string } {
-  const connection = getConnection();
-  if (!connection) {
-    console.error(chalk.red('Not logged in.'));
-    console.error(`Run: ${chalk.cyan('npx atxp login')}`);
-    process.exit(1);
-  }
-  const url = new URL(connection);
-  const token = url.searchParams.get('connection_token');
-  if (!token) {
-    console.error(chalk.red('Invalid connection string: missing connection_token'));
-    process.exit(1);
-  }
-  return { baseUrl: `${url.protocol}//${url.host}`, token };
-}
-
-function getArgValue(flag: string): string | undefined {
-  const index = process.argv.findIndex((arg) => arg === flag);
-  return index !== -1 ? process.argv[index + 1] : undefined;
-}
-
-function showTopupHelp(): void {
-  console.log(chalk.bold('Top Up Commands:'));
-  console.log();
-  console.log('  ' + chalk.cyan('npx atxp topup') + '               ' + 'Create a payment link ($50 suggested)');
-  console.log('  ' + chalk.cyan('npx atxp topup --amount 100') + '  ' + 'Create a payment link suggesting $100');
-  console.log();
-  console.log(chalk.bold('Options:'));
-  console.log('  ' + chalk.yellow('--amount') + '  ' + `Suggested amount in USD ($${MIN_AMOUNT}-$${MAX_AMOUNT}, default: $${DEFAULT_AMOUNT})`);
-  console.log('  ' + chalk.yellow('--open') + '    ' + 'Open the payment link in your browser');
-  console.log();
-  console.log(chalk.bold('How it works:'));
-  console.log('  Creates a Stripe Payment Link for your agent account.');
-  console.log('  The payer can adjust the amount at checkout.');
-  console.log('  Share the link with anyone to fund your account.');
-  console.log('  Funds are credited as IOU tokens once payment completes.');
-}
-
-export async function topupCommand(): Promise<void> {
-  if (process.argv.includes('--help') || process.argv.includes('-h')) {
-    showTopupHelp();
-    return;
-  }
-
-  const { baseUrl, token } = getAccountsAuth();
-
-  // Parse amount
-  const amountStr = getArgValue('--amount');
-  let amount = DEFAULT_AMOUNT;
-  if (amountStr) {
-    amount = parseFloat(amountStr);
-    if (isNaN(amount) || amount < MIN_AMOUNT || amount > MAX_AMOUNT) {
-      console.error(chalk.red(`Invalid amount: must be between $${MIN_AMOUNT} and $${MAX_AMOUNT}`));
-      process.exit(1);
-    }
-  }
-
-  const shouldOpen = process.argv.includes('--open');
-
-  console.log(chalk.gray(`Creating $${amount.toFixed(2)} payment link...`));
-
-  try {
-    const res = await fetch(`${baseUrl}/api/funding/payment-link`, {
-      method: 'POST',
-      headers: {
-        'Authorization': `Bearer ${token}`,
-        'Content-Type': 'application/json',
-      },
-      body: JSON.stringify({ amount }),
-    });
-
-    if (!res.ok) {
-      const body = await res.json().catch(() => ({})) as Record<string, string>;
-      console.error(chalk.red(`Error: ${body.error || res.statusText}`));
-      if (res.status === 403) {
-        console.error(chalk.gray('Payment links are only available for agent accounts.'));
-      }
-      process.exit(1);
-    }
-
-    const data = await res.json() as {
-      url: string;
-      paymentLinkId: string;
-      suggestedAmount: number;
-      minAmount: number;
-      maxAmount: number;
-    };
-
-    console.log();
-    console.log(chalk.green.bold('Payment link created!'));
-    console.log();
-    console.log('  ' + chalk.bold('Suggested:') + '  ' + chalk.green(`$${data.suggestedAmount.toFixed(2)}`));
-    console.log('  ' + chalk.bold('Range:') + '      ' + chalk.gray(`$${data.minAmount} - $${data.maxAmount}`));
-    console.log('  ' + chalk.bold('URL:') + '        ' + chalk.cyan.underline(data.url));
-    console.log();
-    console.log(chalk.gray('Share this link to fund your agent account.'));
-    console.log(chalk.gray('The payer can adjust the amount at checkout.'));
-
-    if (shouldOpen) {
-      console.log();
-      console.log(chalk.gray('Opening in browser...'));
-      await open(data.url);
-    }
-  } catch (error) {
-    const errorMessage = error instanceof Error ? error.message : String(error);
-    console.error(chalk.red(`Error creating payment link: ${errorMessage}`));
-    process.exit(1);
-  }
-}
diff --git a/packages/atxp/src/commands/transactions.ts b/packages/atxp/src/commands/transactions.ts
new file mode 100644
index 0000000..8992c70
--- /dev/null
+++ b/packages/atxp/src/commands/transactions.ts
@@ -0,0 +1,94 @@
+import chalk from 'chalk';
+import { getConnection } from '../config.js';
+
+const DEFAULT_ACCOUNTS_URL = 'https://accounts.atxp.ai';
+
+/**
+ * Extract the connection_token from the ATXP_CONNECTION string.
+ * Connection string format: https://accounts.atxp.ai?connection_token=<token>
+ */
+function getConnectionToken(connectionString: string): string | null {
+  try {
+    const url = new URL(connectionString);
+    return url.searchParams.get('connection_token');
+  } catch {
+    return null;
+  }
+}
+
+function getBaseUrl(connectionString: string): string {
+  try {
+    const url = new URL(connectionString);
+    return `${url.protocol}//${url.host}`;
+  } catch {
+    return DEFAULT_ACCOUNTS_URL;
+  }
+}
+
+export async function transactionsCommand(): Promise<void> {
+  const connection = getConnection();
+
+  if (!connection) {
+    console.error(chalk.red('Not logged in.'));
+    console.error(`Run: ${chalk.cyan('npx atxp login')}`);
+    process.exit(1);
+  }
+
+  const token = getConnectionToken(connection);
+  if (!token) {
+    console.error(chalk.red('Error: Could not extract connection token.'));
+    console.error('Your ATXP_CONNECTION may be malformed. Try logging in again:');
+    console.error(chalk.cyan('  npx atxp login --force'));
+    process.exit(1);
+  }
+
+  // Parse --limit flag (default 10)
+  const limitIndex = process.argv.findIndex((arg) => arg === '--limit' || arg === '-l');
+  const limitValue = limitIndex !== -1 ? process.argv[limitIndex + 1] : undefined;
+  const limit = limitValue ? parseInt(limitValue, 10) : 10;
+
+  const baseUrl = getBaseUrl(connection);
+
+  try {
+    const credentials = Buffer.from(`${token}:`).toString('base64');
+    const response = await fetch(`${baseUrl}/api/transactions?limit=${limit}`, {
+      headers: {
+        'Authorization': `Basic ${credentials}`,
+        'Content-Type': 'application/json',
+      },
+    });
+
+    if (!response.ok) {
+      console.error(chalk.red(`Error: ${response.status} ${response.statusText}`));
+      process.exit(1);
+    }
+
+    const data = await response.json();
+
+    const transactions = Array.isArray(data.transactions)
+      ? data.transactions
+      : Array.isArray(data)
+        ? data
+        : [];
+
+    if (transactions.length === 0) {
+      console.log(chalk.gray('No transactions found.'));
+      return;
+    }
+
+    console.log(chalk.bold(`Recent transactions (${transactions.length}):\n`));
+    for (const tx of transactions) {
+      const amount = tx.amount != null ? `$${(+tx.amount).toFixed(2)}` : '';
+      const type = tx.type || '';
+      const description = tx.description || '';
+      const date = tx.createdAt ? new Date(tx.createdAt).toLocaleDateString() : '';
+      console.log(
+        `  ${chalk.gray(date)}  ${chalk.yellow(type.padEnd(12))}  ${chalk.green(amount.padStart(8))}  ${description}`
+      );
+    }
+  } catch (error) {
+    const errorMessage = error instanceof Error ? error.message : String(error);
+    console.error(chalk.red(`Error fetching transactions: ${errorMessage}`));
+    process.exit(1);
+  }
+}
diff --git a/packages/atxp/src/help.ts b/packages/atxp/src/help.ts
index 2194f89..576717f 100644
--- a/packages/atxp/src/help.ts
+++ b/packages/atxp/src/help.ts
@@ -25,11 +25,11 @@ export function showHelp(): void {
   console.log('  ' + chalk.cyan('x') + ' ' + chalk.yellow('<query>') + '        ' + 'Search X/Twitter');
   console.log('  ' + chalk.cyan('email') + ' ' + chalk.yellow('<command>') + '   ' + 'Send and receive emails');
   console.log('  ' + chalk.cyan('balance') + '            ' + 'Check your ATXP account balance');
-  console.log('  ' + chalk.cyan('fund') + '               ' + 'Show how to fund your account');
+  console.log('  ' + chalk.cyan('fund') + ' ' + chalk.yellow('[options]') + '     ' + 'Show funding options (crypto + payment links)');
   console.log('  ' + chalk.cyan('whoami') + '             ' + 'Show your account info (ID, email, wallet)');
   console.log('  ' + chalk.cyan('agent') + ' ' + chalk.yellow('<command>') + '   ' + 'Create and manage agent accounts');
-  console.log('  ' + chalk.cyan('topup') + ' ' + chalk.yellow('[options]') + '  ' + 'Create a payment link to fund your agent');
   console.log('  ' + chalk.cyan('memory') + ' ' + chalk.yellow('<command>') + '  ' + 'Manage, search, and back up agent memory files');
+  console.log('  ' + chalk.cyan('transactions') + ' ' + chalk.yellow('[options]') + ' ' + 'View recent transaction history');
   console.log();
 
   console.log(chalk.bold('PAAS (Platform as a Service):'));
@@ -90,7 +90,7 @@ export function showHelp(): void {
   console.log('  npx atxp email claim-username myname    # Claim a username ($1.00)');
   console.log('  npx atxp email release-username         # Release your username');
   console.log('  npx atxp balance                       # Check account balance');
-  console.log('  npx atxp fund                          # Show how to fund your account');
+  console.log('  npx atxp fund                          # Show all funding options');
   console.log('  npx atxp whoami                        # Show account info');
   console.log('  npx atxp dev demo                      # Run the demo');
   console.log('  npx atxp dev create my-app             # Create a new project');
@@ -100,9 +100,11 @@ export function showHelp(): void {
   console.log('  npx atxp agent create                  # Create a new agent (requires login)');
   console.log('  npx atxp agent list                    # List your agents (requires login)');
   console.log('  npx atxp agent register                # Self-register as an agent (no login)');
-  console.log('  npx atxp topup                         # Create a $10 payment link');
-  console.log('  npx atxp topup --amount 100            # Create a $100 payment link');
-  console.log('  npx atxp topup --amount 25 --open      # Create link and open in browser');
+  console.log('  npx atxp fund                          # Show all funding options');
+  console.log('  npx atxp fund --amount 100             # Request a $100 payment link');
+  console.log('  npx atxp fund --amount 25 --open       # Create link and open in browser');
+  console.log('  npx atxp transactions                  # Show last 10 transactions');
+  console.log('  npx atxp transactions --limit 20       # Show last 20 transactions');
   console.log();
 
   console.log(chalk.bold('Memory Examples:'));
diff --git a/packages/atxp/src/index.ts b/packages/atxp/src/index.ts
index bfb017c..f02b071 100644
--- a/packages/atxp/src/index.ts
+++ b/packages/atxp/src/index.ts
@@ -18,8 +18,9 @@ import { depositCommand } from './commands/deposit.js';
 import { paasCommand } from './commands/paas/index.js';
 import { agentCommand } from './commands/agent.js';
 import { whoamiCommand } from './commands/whoami.js';
-import { topupCommand } from './commands/topup.js';
+
 import { memoryCommand, type MemoryOptions } from './commands/memory.js';
+import { transactionsCommand } from './commands/transactions.js';
 
 interface DemoOptions {
   port: number;
@@ -94,7 +95,7 @@ function parseArgs(): {
 
   // Check for help flags early - but NOT for paas or email commands (they handle --help internally)
   const helpFlag = process.argv.includes('--help') || process.argv.includes('-h');
-  if (helpFlag && command !== 'paas' && command !== 'email' && command !== 'agent' && command !== 'topup' && command !== 'memory' && command !== 'backup') {
+  if (helpFlag && command !== 'paas' && command !== 'email' && command !== 'agent' && command !== 'fund' && command !== 'deposit' && command !== 'memory' && command !== 'backup') {
     return {
       command: 'help',
       demoOptions: { port: 8017, dir: '', verbose: false, refresh: false },
@@ -342,10 +343,6 @@ async function main() {
       await agentCommand(subCommand || '');
       break;
 
-    case 'topup':
-      await topupCommand();
-      break;
-
     case 'memory':
       await memoryCommand(subCommand || '', memoryOptions, process.argv.slice(4).filter((arg) => !arg.startsWith('-')).join(' '));
       break;
@@ -355,6 +352,10 @@ async function main() {
       await memoryCommand(subCommand || '', memoryOptions, process.argv.slice(4).filter((arg) => !arg.startsWith('-')).join(' '));
       break;
 
+    case 'transactions':
+      await transactionsCommand();
+      break;
+
     case 'dev':
       // Dev subcommands (demo, create)
       if (subCommand === 'demo') {
diff --git a/skills/atxp/SKILL.md b/skills/atxp/SKILL.md
index ef9d167..aa57c22 100644
--- a/skills/atxp/SKILL.md
+++ b/skills/atxp/SKILL.md
@@ -239,6 +239,30 @@ npx atxp@latest fund
 
 Or fund with credit card and other standard payment methods at https://accounts.atxp.ai/fund.
 
+## Balance Management
+
+Check your balance before starting paid work and after completing expensive tasks. When your balance drops below $2:
+
+1. Run `npx atxp@latest balance` to get your current balance.
+2. Run `npx atxp@latest transactions --limit 5` to see what you've been spending on.
+3. Run `npx atxp@latest fund` to get your funding options — this returns both a Stripe payment link (fiat) and USDC deposit addresses (crypto, on Base and Solana).
+4. Run `npx atxp@latest whoami` to find your owner's email (`ownerEmail` field).
+5. Choose the right funding method for your audience:
+   - **Sending to a human owner or non-technical user?** Share the Stripe payment link — they can pay with credit card and adjust the amount ($1–$1,000).
+   - **Sending to another agent or crypto-native user?** Share the USDC deposit address for their preferred chain.
+6. Email your owner with your balance, what you've been spending on, and the funding option:
+
+```bash
+npx atxp@latest email send \
+  --to <ownerEmail> \
+  --subject "ATXP balance low — funding link inside" \
+  --body "Hi, my ATXP balance is $X.XX. I've been using it for [web searches, image generation, LLM calls, etc.]. Here's how to top up — you can adjust the amount at checkout: <link>. No subscription, just pay-as-you-go."
+```
+
+**When to check:** Before a batch of paid API calls, after completing a task that used multiple paid tools, or at the start of each new conversation session.
+
+**Cost awareness:** Web searches, image/video/music generation, X/Twitter searches, LLM calls, and outbound emails all cost credits. Balance checks, `whoami`, `fund`, `topup`, `transactions`, inbox checks, and email reads are free.
+
 ## Commands Reference
 
 ### Account & Wallet
@@ -250,6 +274,8 @@ Or fund with credit card and other standard payment methods at https://accounts.
 | `npx atxp@latest fund` | Free | Show funding options |
 | `npx atxp@latest topup` | Free | Generate Stripe payment link |
 | `npx atxp@latest topup --amount <n>` | Free | Payment link with suggested amount |
+| `npx atxp@latest transactions` | Free | View recent transaction history |
+| `npx atxp@latest transactions --limit <n>` | Free | Show last N transactions |
 
 ### Agent Management