24/7 assistant: canned answers + OpenRouter AI, widget on every page

RM Circle pattern: nine canned answers for the questions everyone asks
(pyramid, withdrawals, splits, qualification, joining, credits, safety),
OpenRouter fallback with a facts-loaded system prompt and hard no-income-
promise rules, graceful no-key fallback. Floating mint bubble widget with
linkified replies; 10/min per-IP rate limit. Assets v=20260904i.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

public/assets/chat.js

@@ -0,0 +1,58 @@
+// 24/7 assistant widget: floating bubble, slide-up panel, /api/chat.
+(function () {
+  const root = document.createElement('div');
+  root.id = 'iapChat';
+  root.innerHTML = '<button id="iapChatBtn" aria-label="Chat with us" type="button">💬</button>'
+    + '<div id="iapChatPanel" hidden>'
+    + '<div class="ch-head"><b>Ask anything</b><span class="ch-sub">Real answers, around the clock</span>'
+    + '<button id="iapChatClose" aria-label="Close chat" type="button">×</button></div>'
+    + '<div class="ch-msgs" id="iapChatMsgs">'
+    + '<div class="ch-m bot">Hey. Ask me how the payments work, what the packages buy, or anything else. Straight answers only, no income hype.</div>'
+    + '</div>'
+    + '<div class="ch-input"><input id="iapChatIn" placeholder="Type your question…" maxlength="600">'
+    + '<button id="iapChatSend" type="button">Send</button></div>'
+    + '</div>';
+  document.body.appendChild(root);
+
+  const $ = id => document.getElementById(id);
+  const msgs = $('iapChatMsgs');
+  const input = $('iapChatIn');
+  let history = [];
+
+  const add = (text, who) => {
+    const d = document.createElement('div');
+    d.className = 'ch-m ' + who;
+    // linkify plain URLs
+    d.innerHTML = String(text).replace(/[&<>]/g, c => ({ '&': '&amp;', '<': '&lt;', '>': '&gt;' }[c]))
+      .replace(/(https?:\/\/[^\s]+)/g, '<a href="$1" target="_blank" rel="noopener">$1</a>');
+    msgs.appendChild(d);
+    msgs.scrollTop = msgs.scrollHeight;
+    return d;
+  };
+  async function send() {
+    const q = input.value.trim();
+    if (!q) return;
+    input.value = '';
+    add(q, 'me');
+    const wait = add('…', 'bot');
+    try {
+      const r = await (await fetch('/api/chat', { method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({ message: q, history: history.slice(-4).join(' | ') }) })).json();
+      wait.remove();
+      add(r.reply || r.error || 'No answer came back. Try again.', 'bot');
+      history.push('Q: ' + q, 'A: ' + (r.reply || ''));
+    } catch (e) {
+      wait.remove();
+      add('Connection hiccup. Try that again.', 'bot');
+    }
+  }
+  $('iapChatBtn').addEventListener('click', () => {
+    const p = $('iapChatPanel');
+    p.hidden = !p.hidden;
+    if (!p.hidden) input.focus();
+  });
+  $('iapChatClose').addEventListener('click', () => { $('iapChatPanel').hidden = true; });
+  $('iapChatSend').addEventListener('click', send);
+  input.addEventListener('keydown', e => { if (e.key === 'Enter') send(); });
+})();

public/assets/site.css

@@ -220,6 +220,27 @@ input[type=range]{padding:0;border:0;background:transparent;accent-color:var(--m
 input:focus,select:focus{border-color:var(--mint)}
 :focus-visible{outline:2px solid var(--mint);outline-offset:2px}
 .hero-note{font-family:var(--mono);font-size:12px;color:var(--muted);margin-top:26px}
+/* chat widget */
+#iapChatBtn{position:fixed;right:20px;bottom:20px;z-index:40;width:56px;height:56px;border-radius:50%;
+  border:0;background:var(--mint);color:var(--mint-ink);font-size:24px;cursor:pointer;
+  box-shadow:0 8px 30px rgba(67,232,195,.4)}
+#iapChatBtn:hover{transform:scale(1.06)}
+#iapChatPanel{position:fixed;right:20px;bottom:88px;z-index:40;width:min(360px,calc(100vw - 40px));
+  background:var(--panel-solid);border:1px solid var(--line-strong);border-radius:18px;overflow:hidden;
+  box-shadow:0 24px 70px rgba(0,0,0,.65);display:flex;flex-direction:column}
+.ch-head{padding:14px 16px;border-bottom:1px solid var(--line);font-family:var(--disp);position:relative}
+.ch-head .ch-sub{display:block;font-size:12px;color:var(--muted);font-family:"Segoe UI",system-ui,sans-serif}
+#iapChatClose{position:absolute;right:10px;top:10px;background:transparent;border:0;color:var(--muted);
+  font-size:22px;cursor:pointer;line-height:1}
+.ch-msgs{padding:14px;overflow-y:auto;max-height:340px;display:flex;flex-direction:column;gap:10px}
+.ch-m{border-radius:12px;padding:9px 13px;font-size:13.5px;line-height:1.5;max-width:86%}
+.ch-m.bot{background:rgba(67,232,195,.08);border:1px solid rgba(67,232,195,.2);align-self:flex-start}
+.ch-m.me{background:rgba(130,148,196,.12);border:1px solid var(--line);align-self:flex-end}
+.ch-m a{word-break:break-all}
+.ch-input{display:flex;gap:8px;padding:11px;border-top:1px solid var(--line)}
+.ch-input input{flex:1;min-width:0}
+.ch-input button{background:var(--mint);color:var(--mint-ink);border:0;border-radius:10px;padding:0 16px;
+  font-weight:700;cursor:pointer;font-family:var(--disp)}
 @media(prefers-reduced-motion:no-preference){
   .feed .row:first-child{animation:landed .9s ease}
   @keyframes landed{from{background:rgba(67,232,195,.3)}to{background:var(--mint-soft)}}

public/contract.html

@@ -5,7 +5,7 @@
 <title>The contract | InstantAdPay</title>
 <meta name="description" content="Plain-language review of the InstantAdPay settlement contract: what it does, what nobody can change, what the operator can and cannot touch, and how to verify all of it yourself.">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
-<link rel="stylesheet" href="/assets/site.css?v=20260904h">
+<link rel="stylesheet" href="/assets/site.css?v=20260904i">
 </head>
 <body>
 <div class="wrap">
@@ -129,7 +129,8 @@
     <div class="small">Advertising services with a performance referral program. Not an investment product; no income guarantees. Crypto transactions are irreversible. Never spend what you cannot afford.</div>
   </footer>
 </div>
-<script src="/assets/common.js?v=20260904h"></script>
-<script src="/assets/contract.js?v=20260904h"></script>
+<script src="/assets/common.js?v=20260904i"></script>
+<script src="/assets/contract.js?v=20260904i"></script>
+<script src="/assets/chat.js?v=20260904i"></script>
 </body>
 </html>

public/index.html

@@ -5,7 +5,7 @@
 <title>InstantAdPay: advertise and earn, locked in code</title>
 <meta name="description" content="Real ad packages with instant on-chain settlement. Every purchase pays the sponsor line in the same transaction, verifiable by anyone on the live ledger.">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
-<link rel="stylesheet" href="/assets/site.css?v=20260904h">
+<link rel="stylesheet" href="/assets/site.css?v=20260904i">
 </head>
 <body>
 
@@ -398,8 +398,9 @@
   </div>
 </section>
 
-<script src="/assets/common.js?v=20260904h"></script>
-<script src="/assets/wallet.js?v=20260904h"></script>
-<script src="/assets/home.js?v=20260904h"></script>
+<script src="/assets/common.js?v=20260904i"></script>
+<script src="/assets/wallet.js?v=20260904i"></script>
+<script src="/assets/home.js?v=20260904i"></script>
+<script src="/assets/chat.js?v=20260904i"></script>
 </body>
 </html>

public/ledger.html

@@ -5,7 +5,7 @@
 <title>Live ledger | InstantAdPay</title>
 <meta name="description" content="Every purchase, payout, and pass-up on InstantAdPay, streamed straight from the blockchain with a verify link on every line.">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
-<link rel="stylesheet" href="/assets/site.css?v=20260904h">
+<link rel="stylesheet" href="/assets/site.css?v=20260904i">
 </head>
 <body>
 <div class="wrap">
@@ -25,7 +25,8 @@
     <div>InstantAdPay · <a href="/">how it works</a> · <a id="contractLink" href="#" target="_blank" rel="noopener">contract source ↗</a></div>
   </footer>
 </div>
-<script src="/assets/common.js?v=20260904h"></script>
-<script src="/assets/ledger.js?v=20260904h"></script>
+<script src="/assets/common.js?v=20260904i"></script>
+<script src="/assets/ledger.js?v=20260904i"></script>
+<script src="/assets/chat.js?v=20260904i"></script>
 </body>
 </html>

public/my.html

@@ -4,7 +4,7 @@
 <meta charset="utf-8"><meta name="viewport" content="width=device-width,initial-scale=1">
 <title>My account | InstantAdPay</title>
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
-<link rel="stylesheet" href="/assets/site.css?v=20260904h">
+<link rel="stylesheet" href="/assets/site.css?v=20260904i">
 </head>
 <body>
 <div class="wrap">
@@ -131,8 +131,9 @@
 
   <footer><div>InstantAdPay · <a href="/ledger">live ledger</a></div></footer>
 </div>
-<script src="/assets/common.js?v=20260904h"></script>
-<script src="/assets/wallet.js?v=20260904h"></script>
-<script src="/assets/my.js?v=20260904h"></script>
+<script src="/assets/common.js?v=20260904i"></script>
+<script src="/assets/wallet.js?v=20260904i"></script>
+<script src="/assets/my.js?v=20260904i"></script>
+<script src="/assets/chat.js?v=20260904i"></script>
 </body>
 </html>