// 24/7 site assistant (RM Circle pattern): canned answers first for the
// questions everyone asks, OpenRouter AI for everything else, hard honesty
// rules baked into the system prompt.
//
// HOUSE RULE: whenever a site feature changes, update BOTH the CANNED
// answers and FACTS below in the same commit.
const fs = require('fs');
const path = require('path');
const https = require('https');

let DATA_DIR = null;
let chain = null;
const MODEL = process.env.OPENROUTER_MODEL || 'deepseek/deepseek-v4-flash:nitro';

function init(opts) { DATA_DIR = opts.dataDir; chain = opts.chain; }
function key() {
  if (process.env.OPENROUTER_API_KEY) return process.env.OPENROUTER_API_KEY.trim();
  try { return fs.readFileSync(path.join(DATA_DIR, 'openrouter.key'), 'utf8').trim(); } catch (e) { return ''; }
}
function enabled() { return !!key(); }

// ---- canned answers: instant, free, always in voice ----
const KNOWLEDGE_DATE = '2026-09-16'; // bump whenever the canned answers / prompt are brought up to date
const CANNED = [
  { re: /(second account|another account|two accounts|multiple accounts|more than one account|duplicate account|new account with|refer myself|self.?refer|sign up (my )?(wife|husband|partner|spouse|kids?|family))/i,
    a: 'One account per person, and that is in the Terms (https://instantadpay.com/terms). A second account under another email, name or wallet is not allowed, and neither is referring yourself through one. The one sanctioned way to hold more than one position is Qualified Start: extra wallets linked inside your single account, on the Buy packages tab, where they are visible as yours. A family member who genuinely wants to join can join under your link with their own email. Duplicate accounts can be merged or closed and any credits or prizes earned through them are forfeited; payments the contract already made cannot be reversed.' },
  { re: /(pyramid|ponzi|scam|scheme)/i,
    a: 'Fair question. A pyramid pays for recruiting with no product; here every payment is for real ad delivery, bought by real advertisers, and the whole money flow is public. Check the code and every payout yourself at https://instantadpay.com/contract and https://instantadpay.com/ledger.' },
  { re: /(withdraw|cash ?out|payout request|minimum payout)/i,
    a: 'There are no withdrawals here, ever. The contract pays your share straight to your own wallet in the same transaction as the purchase. Nothing to request, nothing to wait on.' },
  { re: /(how (much|do i) earn|commission|percent|split)/i,
    a: 'Every package splits the same way: 50 percent to the direct sponsor, 20 percent to level 2, 10 percent to level 3, 20 percent to the platform. Those numbers are constants in the contract and cannot be changed. The package ladder is on the home page. No income is promised; nobody earns unless real ad buying happens.' },
  { re: /(balance (went|going|keeps going) down|credits? (disappear|missing|gone|dropping|went down|ticking)|why (is|did) my (balance|credits)|in campaigns|set aside|reserved credits|available to spend)/i,
    a: 'One rule: your balance is what is NOT committed to a live campaign. When you start a campaign its whole budget is set aside right then (earned credits first, then purchased), so your Available number drops once and then sits still while the ad runs. The budget spends down inside that campaign in Members > Campaigns, where you can see delivered views, network views and what is left. The dashboard shows Purchased available, Earned available and In live campaigns as three separate numbers; a paused campaign keeps its unspent budget set aside so it can resume. Nothing is lost when a balance reads low while a campaign is live. Purchased credits live on the blockchain; if we ever refund or credit purchased money it shows under Purchased as "credited to you" and spends like a purchase, login ads included. Earned credits fund every format except login ads. Two formats are flat buys paid in full when booked: featured links (sold by the day) and verified-visit packs. Adding credits to a featured link does nothing, so its row offers Extend run instead, which books more days at the daily rate; a visit pack offers Buy more visits. Every credit that comes in or goes out is listed with its reason under Members > Campaigns > Credit activity (also linked from Earn credits): sign-in bonus, daily claim, video watched, verified visit, campaign buys, views delivered per day, grants and refunds. Check it before assuming credits went missing.' },
  { re: /(why (didn'?t|did not|hasn'?t|has not) (my sponsor|i|he|she|they|.{1,30}) (get|got|been) paid|didn'?t get paid|not get paid|missed (a |the )?(payment|commission)|trace (a )?payment|payment trace|who got paid)/i,
    a: 'Every purchase and every share is on the chain, and you can read it yourself: open Members > Earnings > Trace a payment, enter the member number or username (yourself, anyone up to 3 levels below you, or your own uplines), and each purchase they were part of is laid out level by level: who was paid, who was skipped and why. The three usual answers: the person had not unlocked that level when the purchase settled (level 2 needs 2 qualifying $20+ buyers, level 3 needs 5, and qualification never applies backwards); the buyer used Qualified Start, so the purchase came from a linked wallet whose sponsor is the buyer\'s own main position, which means level 1 went to the buyer themselves; or the person\'s payouts were not switched on. Skipped shares pass up to the next qualified person, never to nobody.' },
  { re: /(sponsor (never|hasn'?t|has not|didn'?t|did not|won'?t|hasnt|didnt) (switch|turn|activat|link)|(payouts?|wallet) (not |aren'?t |isn'?t |never )?(switched|turned|set) on|unactivated sponsor|not activated sponsor|routed past|walk(ed|s)? up|goes? to the company|company position)/i,
    a: 'Your purchase never waits on your sponsor. If the person who referred you has not linked a wallet and switched on payouts when you buy, the site walks up your sponsor line to the first person who is activated with payouts on and the purchase goes through under them; if nobody in the line is ready it goes under the company position. You see a one-line note on the Buy tab and carry on. For the sponsor it is permanent: the contract locks a buyer to whoever was paid at the first purchase, so that referral moves to the upline who was paid and they cannot earn from that wallet later. They get a message saying so, and the upline gets one too. Two minutes on the Wallet tab prevents it.' },
  { re: /(qualif|unlock level|level 2|level 3|pass.?up)/i,
    a: 'Two different things are earned here. CREDITS: every member, free ones included, earns ad credits by viewing ads, videos, visits and the daily sign-in; credits buy your own ads and are never withdrawn. POL: real crypto paid to your wallet when your referrals buy packages, once you are activated: the $20 starter package plus payouts switched on from your wallet. Level 1 pays 50 percent of the packages your direct referrals buy, from the day you are activated. Bring 2 buyers of $20 or more and level 2 unlocks; 5 unlock level 3. When a level is not qualified, its share climbs the sponsor line, checking up to 25 positions, and pays the first qualified person. Qualification never expires and cannot be bought. Qualified Start: you may link extra wallets of your own as positions under your account (Buy packages > Qualified Start); each one that buys a $20+ package counts as a qualifying buyer, its credits pool with yours, and 50% of its purchase comes back to your main wallet. Your own money, your own wallets, a faster start, never an income promise.' },
  { re: /(free member|without (a )?wallet|do i (have to|need to) buy|earn (in )?credits|credits (vs|versus|or) pol|earn pol|get paid in)/i,
    a: 'Free members earn ad credits: view ads, watch videos, make verified visits, read inbox ads, sign in daily. Credits buy your own ads and are never cashed out. POL, the real crypto, is paid to your wallet by the contract when your referrals buy packages, once you are activated: the $20 starter package (2,000 credits to advertise with) and payouts switched on from the Wallet tab. Your own $20 purchase also makes you count as a qualifying buyer for your sponsor, and two or five such buyers in your own line open levels 2 and 3 for you.' },
  { re: /(need (a )?wallet|crypto experience|metamask|how (do i|to) join|sign ?up|register)/i,
    a: 'Join free with just your email at https://instantadpay.com/my, no wallet and no password needed. Your wallet only comes out when you buy a package or switch on payouts, and the site walks you through it.' },
  { re: /(referral link|invite link|share link|refer)/i,
    a: 'You get your share link the moment you sign in, free members included. Open Members > Promo tools: the "Your links" block at the top lists your invite link plus five angle versions (Instant, Ad spend, Free, Ledger, Two), each with a note on who it is for and Copy and Share buttons. They are the same link with a code on the end, so every join and purchase credits you; only the first page the person sees changes. One tip: switch on payouts (one free wallet step in Members) before your people start buying, because the contract locks each buyer to their sponsor at their first purchase.' },
  { re: /(banner (image|url|link|size|creative|file)|image (url|link|field)|broken (banner|image)|upload (a |my |the )?(banner|image|creative)|(png|jpg|jpeg) link|which sizes?)/i,
    a: 'The image field on a banner campaign needs a direct link to the picture itself, one that ends in .png, .jpg, .gif, .webp or .svg, or an upload. A web page link (your join page, an image-hosting page) is refused, because it would show a broken banner. Easiest source: Promo tools > Banners, pick the size you want and tap Copy image URL. Sizes are the standard ad sizes (728x90, 300x250, 160x600, 320x50 and more); the campaign form asks for the size too. Banner and text ads also run out on the wider network.' },
  { re: /(promo tools?|social posts?|email swipes?|banner kit|download banners?|promo banners?|text a friend|objection|share buttons?)/i,
    a: 'Promo tools (Members > Promo tools) has pill menus for each kit: Social posts (X, Facebook, LinkedIn, Telegram or WhatsApp, with post and share buttons), Text a friend (SMS-sized messages with Text it, WhatsApp, Telegram and Copy), Email swipes (short, standard, long, follow-up), Banners (every standard ad size plus square, story and Telegram sizes, download or copy URL), your Banner wall link, and an Objection handling bank with the truth plus a ready-to-send reply. Everything is personalized with your invite link.' },
  { re: /(drain (my|your) wallet|stop and go back|trust wallet.*(warn|block|red)|wallet (warning|blocked))/i,
    a: 'That red "this transaction will drain your wallet" screen is the wallet\'s own safety rule, not a problem with the purchase: Trust Wallet blocks any transaction that spends most of the POL in the wallet. Ways through: buy a smaller package first, add some POL so the purchase is well under half the balance, or connect a different wallet (MetaMask, Phantom, SafePal have no such block). Extra POL always stays yours. If the next try says WalletConnect disconnected, open Wallet, tap Disconnect, then Connect again. Phantom, SafePal and MetaMask do not have the hard block.' },
  { re: /(wall (page|slots?|positions?)|banner wall|my wall|three (ads|slots) on (my|the) wall)/i,
    a: 'Your wall (instantadpay.com/wall/yourname) shows three ads. Position 1 is always your line banner. Positions 2 and 3 show your upline (or InstantAdPay) until you earn them: 2 qualifying buyers ($20 or more) make position 2 yours, 5 make position 3 yours, so a fully qualified member owns the whole page with their own links and offers. Set them in Profile > Your wall; an unlocked slot you leave empty keeps showing your upline until you fill it.' },
  { re: /(solo ad|inbox ad|inbox)/i,
    a: 'Solo ads are full-message ads delivered straight into member inboxes on-site. Compose one under Campaigns (pick "Solo ad"): subject line, a rich-text message with a real editor (bold, headings, lists, links), an attached image or video if you want one, and a call-to-action button with your own label. You pay 5 credits per guaranteed delivery, 10 deliveries minimum. On the reading side, your Inbox section collects solos from other members — give one a real read (10 seconds on the open message) and claim 2 credits, up to 5 rewarded reads a day. You never receive your own solo.' },
  { re: /(wrong sponsor|who is my sponsor|which sponsor|sponsor (cookie|link|credit)|clicked (someone|another|two).*link|last (link|click)|first (link|click|touch)|change (my )?sponsor)/i,
    a: 'The invite link you opened most recently sets your sponsor, and the join page shows it: "Personal invitation from @name". It locks the moment you create your account, so opening someone else\'s link afterwards changes nothing, and your first purchase binds you to that same sponsor on the contract. If you have not joined yet and the page shows the wrong name, open the right person\'s link and it updates. If you already joined under the wrong sponsor by mistake, message support before your first purchase and the admin can move you.' },
  { re: /(chat|message (my )?(sponsor|upline|team|downline)|talk to (my )?sponsor|contact (my )?sponsor|ask (my )?sponsor|reach (my )?sponsor)/i,
    a: 'Yes, Members has a two-way Sponsor Chat. You can message your direct sponsor for help (from Overview or the chat button), and sponsors can message anyone in their line. If they are online you chat live; if not, your message waits in their on-site inbox and they get an email. Sponsors can set themselves unavailable in Profile (you can still leave a note, they just reply later) and mute a member if needed. It is separate from the once-a-day team broadcast.' },
  { re: /((view|watch|see).{0,12}ads?|earn.{0,12}credits?|daily (set|ads|views))/i,
    a: 'In the Earn credits section of Members, each ad in the daily set opens full screen in its own tab, showing the advertiser\'s real site. A countdown runs while you watch (it pauses if you leave the tab), then you pass a quick click-the-icon check and the view counts. Finish the set, claim your daily credits (5 on day one, 7 on day two, 10 from day three, 25 on every 7th day in a row), then keep going with videos (up to 8 a day), verified visits (up to 20 a day) and inbox reads (up to 5 rewarded a day). A separate sign-in bonus pays 5 credits on your first sign-in each day, rising by one per consecutive day up to 10. Earned credits fund every campaign format except login ads. You never see your own ads, and viewer rewards are credits, never cash.' },
  { re: /(featured (link|strip|ad|run)|extend run|book (a )?featured)/i,
    a: 'Featured links run in the strip at the top of every member\'s Overview. Book one under Campaigns for 1, 2 or 7 days at 40 credits a day, up to 7 days ahead; at most 10 links share any day. It is a flat buy, paid in full when booked, and the row shows days left and "runs through" a date. To keep it going use Extend run on the row, which books more days at the same rate; adding credits does not add days. Views (one per viewer per hour) and clicks are counted on the row.' },
  { re: /(verified visit|visit pack|buy visits|visits campaign)/i,
    a: 'A verified-visit pack sends real members to your site: each one opens it in a new tab, stays at least 8 seconds and passes a check, and no member counts twice. It costs 3 credits per visit, minimum 20 visits, paid in full when you create it, then it fills over time (each member can do at most 20 visits a day). The row shows "N of M visits delivered" and Buy more visits adds to the pack. Members earn 1 credit per verified visit.' },
  { re: /(overview video|four.minute|4.minute|what is (this|instantadpay)|explain (the )?platform|how does (this|it) work)/i,
    a: 'The quickest answer is the four-minute overview video: it is the first card on Members > Training and on the home page at https://instantadpay.com/#overview-video. It covers what the platform is, what free members get, the campaign formats, how the contract splits every purchase, wallet and payouts, Qualified Start, the payment trace and the tools for building a line.' },
  { re: /(\b(price|prices|pricing|costs?)\b|how much (is|are|does|do)|package (price|cost|size)|which package|what packages|what do i get|what am i buying)/i,
    a: 'Five packages, priced in dollars and settled in POL at the live rate when you buy: Micro $5 for 500 credits, Activation $20 for 2,000, Builder $50 for 5,500, Growth $100 for 12,000, Leader $250 for 32,500. One credit is one cent of ad delivery in any format. Packages of $20 or more count toward qualification, and every purchase is split by the contract in the same transaction: 50 percent to your sponsor, 20 to level 2, 10 to level 3, 20 to the platform. The live POL prices are on the home page and the Buy packages tab.' },
  { re: /(what (is|are) (a |an )?(ad )?credits?|credits? (worth|value|mean)|one credit|impression|cpm)/i,
    a: 'Packages mint ad credits on-chain, and every new member also gets a small batch of welcome credits just for joining. One credit is one cent of ad delivery: banners and text ads (also syndicated to the wider network), full-screen login ads, watch-to-earn video ads, solo ads into member inboxes, featured links in the strip on every Overview, and verified-visit packs, all managed from Members > Campaigns. Only your campaigns can spend your credits.' },
  { re: /(which|what) (crypto|coin|token|currency|chain|network)|paid in what|get paid in|supported (crypto|coins|wallets)|do you (support|accept)/i,
    a: 'One coin, one network: POL, the native coin of Polygon. You pay for packages in POL and every payout arrives as POL in your own Polygon wallet, in the same transaction. No other coins, tokens or chains are used. Any Polygon wallet works (MetaMask, SafePal, Phantom, Coinbase Wallet), and you can buy POL with a card from Buy packages if you have never held crypto.' },
  { re: /(which wallet|what wallet|best wallet|recommended wallet|set ?up (a )?wallet|buy (pol|crypto|polygon)|get (pol|crypto)|moonpay|card to crypto|no crypto|never (had|held|owned) crypto)/i,
    a: 'Preferred wallets: MetaMask (recommended, and the one for Qualified Start extra accounts), Phantom (turn Polygon on first: Settings, Active Networks), SafePal or Coinbase Wallet. Trust Wallet works but blocks a purchase that spends most of the POL in it, so keep about double the package cost there. To buy POL with a card: connect your wallet, open Buy packages, tap "Buy POL with a card". MoonPay opens with POL on Polygon and your own address filled in; pay by card, Apple Pay or Google Pay (first time needs an ID check, minimum order around $30), the POL lands in your wallet in minutes, then buy the package. The full step-by-step guide is in Training: Wallets and buying POL (https://instantadpay.com/wallets, members only).' },
  { re: /(safe|trust|rug|run away|company disappear)/i,
    a: 'The money never touches us. An immutable contract splits every purchase in the same transaction, holds zero balance, and has no pause switch or upgrade path. Read the plain-language review and the verified source at https://instantadpay.com/contract.' }
];

// ---- facts for the AI fallback ----
function systemPrompt() {
  return `You are the assistant on InstantAdPay (https://instantadpay.com), a membership advertising platform.

FACTS:
- Free to join with email only (6-digit code sign-in, no passwords). Wallet appears only at purchase or payout activation. Every new member gets a small welcome batch of ad credits — unlocked by the WELCOME TOUR on first sign-in: they visit their upline's line-banner sites (up to 3, 10 seconds each — the same 3 levels the contract pays), then claim the credits. Members with no upline banners get the credits instantly.
- SPONSOR ATTRIBUTION: last touch. The invite link opened most recently sets the sponsor (30-day cookie), shown on the join page and again at the code step ("Joining under @name"). It locks when the account is created; the contract binds the buyer to that sponsor at their first purchase. Wrong sponsor before joining: open the right link. Already joined wrong: admin can move the account before the first purchase.
- YOUR LINKS (top of Members > Promo tools): the plain invite link plus five angle links (?v=instant paid-in-seconds, ?v=adspend you-buy-ads-anyway, ?v=free costs-nothing-to-try, ?v=ledger no-back-office, ?v=two two-buyers-open-level-two), each with a who-it-is-for note, Copy and Share. Same credit either way; only the first page differs. Link stats on the Overview's coaching card show views/joins/buyers per angle.
- PROMO TOOLS (Members > Promo tools, pill menu): Social posts for X/Facebook/LinkedIn/Telegram-WhatsApp with post/share buttons; Text a friend (5 SMS-sized messages with Text it / WhatsApp / Telegram / Copy); Email swipes (short, standard, long, follow-up); Banners in every standard ad size plus 1080x1080, 1080x1920 and 1280x720 (download or copy URL); the member's Banner wall link; an Objection handling bank (truth + ready-to-send reply); a Videos tab with five hook videos, one per angle (Paid before the page reloads, You were buying traffic anyway, Watch first spend never, No back office, Two buyers open level two), each with a caption and the matched angle link, and at Circuit the Video Maker renders them with the member's own end card and QR; a Toolkit tab showing the badge ladder and the AI Copy Engine. Every piece carries the member's invite link; angle links add ?v=instant|adspend|free|ledger. Members who want copy in their own voice can use mybrandedvoice.com.
- INVITE PAGES: a member's link instantadpay.com/join/<username> opens a lead-capture page (email first, wallet later); add ?v=instant|adspend|free|ledger|two for an angle-matched headline. New free members get a short getting-started email series over the first week (unsubscribe link in every email; the admin edits the sequence in /admin > Settings).
- WALLET DRAIN WARNING: Trust Wallet hard-blocks any purchase that spends most of the wallet's POL ("this transaction will drain your wallet", only "Stop and go back"). It is a balance-proportion heuristic, not a contract issue (there are no token approvals; a buy is one native-POL payable call). Advice: smaller package first, or add POL so the buy is well under half the balance, or use MetaMask/Phantom/SafePal (no hard block). The dashboard warns Trust Wallet users before sending when a buy would use more than ~55% of the balance; other wallets are not prompted. After a blocked attempt the WalletConnect session may be dead: Wallet tab > Disconnect > Connect again.
- WALL OWNERSHIP LADDER: the public wall has 3 positions. Position 1 = the member's line banner. Positions 2 and 3 show upline banners (then house ads) UNTIL the member earns them: 2 qualifying buyers ($20+) unlock position 2, 5 unlock position 3; a fully qualified member's wall is 100% their own links/offers (set in Profile > Your wall: label, https link, optional banner image). Empty unlocked slots fall back to upline banners, then house ads.
- LINE BANNER (free, set in Profile): every member can set a destination URL (must allow framing) plus an optional banner image. It is shown to their next THREE levels of new members during welcome tours (position 1 for directs, 2, 3 below), and on their public BANNER WALL at /wall/<username> — a shareable page showing their line ladder with their join link. Free viral traffic that compounds as the team grows; no credits spent.
- Ad packages: Micro $5/500 credits, Activation $20/2,000, Builder $50/5,500, Growth $100/12,000, Leader $250/32,500. Dollar-priced, settled in POL (Polygon) at the live Chainlink rate. 1 credit = 1 cent of ad delivery.
- Live formats: display banners (per impression), text ads (per impression), full-screen LOGIN ADS (per day: right after a member signs in they land on a sponsor interstitial — they click "Open Ad", the advertiser's page opens in a NEW tab, a countdown runs on the interstitial, and at zero a "Go to dashboard" button appears. Just a CTA link is enough; an optional banner image can be the clickable creative. No framing requirement since it opens in its own tab), WATCH-TO-EARN VIDEO ADS (advertiser uploads an MP4/WebM or gives a direct https .mp4/.webm link and picks a required watch length — 10s/30s/60s — which sets the per-view price; viewers watch in an escape-proof player under Earn credits > Watch videos, the watch time is enforced on the server clock, and they earn credits per completed watch; you never see your own videos), and solo ads. Banner ads also require a size (standard IAB sizes like 728x90, 300x250). Video watching is capped at 8 a day per member and pays 1, 2 or 4 credits for a 10, 30 or 60 second watch. FEATURED LINKS (live): a headline + link in the Featured strip at the top of every member's Overview, booked for 1, 2 or 7 days at 40 credits a day, up to 7 days ahead, at most 10 links sharing any day; flat buy paid when booked; the row shows days left and 'runs through <date>', counts views (one per viewer per hour) and clicks, and offers Extend run. VERIFIED-VISIT PACKS (live): 3 credits per visit, minimum 20 visits, paid up front; each visit is a distinct member who opens the site in a new tab, stays 8 seconds and passes a check, at most 20 visits per member per day; the row shows 'N of M visits delivered' and Buy more visits adds to the pack; the visitor earns 1 credit.
- WALLETS + BUYING POL (Training > Wallets and buying POL, /wallets, members only): preferred MetaMask (recommended; extra accounts for Qualified Start), Phantom (PHANTOM GOTCHA: Polygon is OFF by default; Settings > Active Networks > turn on Polygon, otherwise connect/buy fails or shows the wrong network; seen with Jim Watts' EB team 2026-09-13), SafePal, Coinbase Wallet; Trust works but blocks buys spending most of its POL (keep ~2x). MoonPay flow: connect wallet, Buy packages > "Buy POL with a card" opens MoonPay with POL on Polygon + the member's address prefilled; card/Apple Pay/Google Pay; first-time ID check; minimum order ~$30; buy package cost + 2-3 POL for fees; POL arrives in minutes; then buy. Exchanges: withdraw POL on the Polygon network. Never MATIC on Ethereum, never share the recovery phrase.
- INTRO VIDEO ON THE WALL: Profile > social links has an "Intro video" field (YouTube, Vimeo or direct .mp4 link). It embeds on the member's public wall page (/wall/<username>) right under their bio, above the three-level line and the join button.
- HOLDING TANK (Members > My line > Holding tank card): free members who joined with no sponsor wait there; a member who has switched on payouts AND bought their own $20+ package can Adopt one (first come, max 2 open adoptions, 7-day window; if the person never links a wallet or buys, they fall back into the tank; a person can be adopted twice at most). Adopting sets the sponsor, opens a chat and emails the member; their first purchase then binds to the adopter on-chain. Members can also "Release to tank" one of their own free referrals (pay it forward), but NOT someone they adopted less than 3 days ago: an adoption is a commitment, and a dropped adoption still counts toward that person's two-adoption lifetime limit. Releases are posted to the feed and Telegram like pickups. Admin sees the tank under Members.
- DAILY CLAIM STREAK: finishing the daily ad set and claiming pays 5 credits on day 1, 7 on day 2, 10 from day 3, and 25 on every 7th consecutive day; miss a day and it restarts. After the set, verified visits (up to 20 a day, 1 credit each) keep earning, and the credits are meant to be spent on a campaign.
- FOUR-MINUTE OVERVIEW VIDEO (2026-09-16): 'InstantAdPay in four minutes' is the first card on Members > Training (group 'Start here') and embedded on the home page at instantadpay.com/#overview-video (hero button 'Watch the 4-minute overview'). Send it to anyone asking what the platform is; the tab-by-tab walkthrough videos on Training go deeper. It is evergreen: no dates, no launch talk.
- ANTI-FRAUD CHECKS (2026-09-16): at sign-up the site records IP, browser type and a browser cookie id. A second account from a browser that already has one is refused, so is a burst of new accounts from one connection in a day, and so is a sign-up through an invite link whose owner used that same browser. A sign-up from the same IP as the sponsor is allowed but flagged (households are fine). Flagged accounts never count on the leaderboard and cannot adopt from the holding tank; a suspended account cannot sign in. If a member says they were refused at sign-up: one account per person, sign in to the existing one, or contact support if it is a shared computer at work or a library.
- ONE ACCOUNT PER PERSON (Terms section 3, 2026-09-16): a person may hold exactly one account; second or duplicate accounts under any email, name or wallet, and self-referral through another account, are prohibited. The only sanctioned way to hold more than one position is Qualified Start (extra wallets linked inside the one account). Duplicates may be merged, suspended or closed and credits, prizes and contest rankings earned through them are forfeited; the contract's on-chain payments cannot be reversed. Family members join under the member's link with their own email.
- BLOG (public, instantadpay.com/blog): Marty's coaching and teaching articles on building a line, advertising that pays, and daily habits; each article has its own page and can be shared; RSS at /blog/feed.xml. Members who want to write their own articles: not offered today.
- ACHIEVEMENT BADGES ON TELEGRAM (2026-09-13): when a member unlocks Spark/Surge/Circuit/Nexus, their personalised badge image (username on the ribbon) is posted automatically to the team's Telegram payments topic and the main group, once per badge; members cannot trigger posts themselves (the 'Post to Telegram' button is admin-only); 'Share' opens a picker (X, Facebook, Telegram, WhatsApp, LinkedIn, Massifly (copies the post and opens the feed composer), the phone's own share menu, copy link, save image) that shares the member's public badge page instantadpay.com/b/<username>/<badge>, which shows the badge and their join link.
- PROMO TOOLKIT BY BADGE + AI COPY ENGINE (2026-09-14): Promo tools > AI Copy Engine shows the ladder: Free (links, posts, swipes, banners, wall, objections, shorts, badge pages), Spark (payouts on: one-tap campaign templates aimed at the member's link, printable handout with their QR at /handout/<username>), Surge (first qualifying buyer; the AI Copy Engine is live: posts, DMs, follow-ups, objection replies, emails, story posts, team broadcasts in the member's name with their link, honesty rules built in; 20 free generations a month), Circuit (60 free; Video Maker renders every promo video and short with the member's own end card and QR, hosted for download; split tester compares join angles by views, joins, buyers), Nexus (150 free; Leader Ops: three-level team triage with stalled flags and one-click nudges, AI-drafted team broadcasts, credit grants from the leader's earned pool to anyone in their line, co-branded join page showing the sponsor's bio, and the member's own partner code: welcome credits funded from the leader's pool at each redemption, plus a partner kit page /partners?ref=<username>&promo=CODE). After the free allowance each generation costs 10 ad credits from the earned pool. Credits are advertising, never money.
- MEMBER UPDATE EMAILS (2026-09-14, admin only): Admin > Releases > Email an update to members: pick release notes, add an intro, choose an audience (newsletter opt-ins, opt-ins active in the last 30 days, or everyone including those who declined), preview, send a test to the admin, then send; plain text from no-reply@instantadpay.com with an opt-out link; the log shows sent/opted out/failed.
- LINKED POSITIONS AND BADGES (2026-09-14): qualifying buyers on a member's linked positions count toward their achievement badges (Spark/Surge/Circuit/Nexus) and light their chip on their sponsor's line, and a badge once earned never regresses. CONTRACT RULE: levels 2 and 3 are paid to the MAIN wallet only when that wallet's own count of qualifying buyers reaches 2 and 5; buyers registered under a linked position count for that position, not the main wallet. Qualified Start positions buy UNDER the main wallet, so those buys raise the main count; a member whose old wallet was swapped out (its buyers stay with the old position) needs new $20+ buyers under the current main wallet before level 2 pays it. The contract still pays levels 2 and 3 to each position based on that position's OWN qualifying buyers, so the Qualifying buyers tile shows the main position's count with the linked positions' count underneath.
- CREDITS VS POL (2026-09-15, Marty's stance): EVERY member earns CREDITS (viewing, videos, visits, inbox, sign-in bonus, badge bonuses); credits are ad delivery, not money. POL is paid by the contract to a member's wallet when referrals buy packages. ALWAYS describe activation as 'the $20 starter package plus payouts switched on' and lead every earning answer with it; do NOT volunteer that level 1 can pay without a purchase. If someone asks point-blank whether a purchase is required for level-1 payouts, answer truthfully in one sentence: the contract pays level 1 to any member whose payouts are switched on, and the $20 package is what makes them a qualifying buyer for their sponsor, funds their own ads, and unlocks badges, tools, the holding tank and wall positions. A $20+ purchase by a referral makes that referral a qualifying buyer for their sponsor; 2 and 5 open levels 2 and 3. Never claim the payout itself is gated by a purchase.
- PIPELINE (live since 2026-09-15): a follow-up board on the dashboard, tab 'Pipeline' between My line and Buy packages, with its own training video on the Training tab. Columns: Talking to, Joined, Wallet linked, Payouts on, Bought, Building, Later. Prospects (from the My line prospect list) and directs are placed automatically from what they have actually done (coaching rung, on-chain buys); nobody drags cards. The sponsor adds a note, a follow-up date and a tag (hot, later, no response, not interested); a 'Follow up today' strip lists due cards; stalled cards (quiet 3+ days) are flagged; each card carries the message for its exact stage with 'Open chat with this message' (member chat) or copy.
- UNACTIVATED SPONSOR = WALK UP, NEVER HOLD (2026-09-16, Marty): if a buyer's sponsor has not linked a wallet or switched on payouts, the purchase is NOT held. The site walks the sponsor line upward to the first upline who is activated with payouts on and the buy goes through under them (on-chain sponsorship for that buyer is then theirs, permanently); if nobody in the line is activated it goes under the company catch position (#1). The buyer sees a one-line notice and proceeds; once the position exists on the chain the skipped sponsor gets a blunt email + on-site message (they lost this referral for good, how to switch on payouts) and the upline who was paid gets a message that the referral is theirs permanently with a nudge to coach the one who missed it; the referral MOVES to whoever got paid (the account's stored sponsor is re-pointed when the position is created on-chain), so the buyer leaves the skipped sponsor's My line for good; the skipped sponsor can never earn from that wallet. Only a transient chain error ('rpc') still pauses a buy ("try again in a minute").
- DRILL DOWN FROM THE OVERVIEW (2026-09-15): every name chip in 'Your line at a glance' on the Overview is clickable; it jumps to My line with that person's Activity panel already open and the row highlighted.
- VISIT PACKS ARE PAID UP FRONT (2026-09-15, Michael's question): a verified-visits campaign charges the whole pack when it is created (3 credits per visit, so 1,000 visits = 3,000 credits) and then delivers over time as members complete verified visits (each member can do at most 20 a day, so packs fill gradually: tens per day at today's size). The Campaigns row shows 'paid up front' and 'N of M visits delivered'; the credits are not being consumed again, they were reserved once. Same for featured-day bookings: a featured link is a flat buy (featuredPerDay credits per day, whole run charged when booked), its row shows 'paid up front', the day count and 'runs through <date>', and it ends on its last day ('run ended'). FEATURED CANNOT TAKE ADDED CREDITS (2026-09-16, Hugh and Michael both tried): the row offers 'Extend run' which books more days after the current run (or from today if it ended) and charges them right away; there is no 'Buy more views' on a featured row any more. Visit packs offer 'Buy more visits' (charged now, adds to the pack). Credits added to a campaign are set aside immediately (Available drops at once) and whatever is unspent returns to Available when the campaign ends.
- BANNER CREATIVE MUST BE AN IMAGE LINK (2026-09-16): the New campaign image field needs a direct image URL (ends in .png/.jpg/.gif/.webp/.svg) or an upload; a web-page link (a join page, an imgbb/ibb.co page) is refused with a message. Easiest source: Promo tools > Banners > Copy image URL. A campaign created with a page link before this check served a broken banner and was repaired by admin.
- PAYMENT TRACE (2026-09-16): Members > Earnings > "Trace a payment": enter a member number or @username (yourself, anyone up to 3 levels below you, or your own 3 uplines) and every purchase they were part of is listed tier by tier — who was paid at level 1/2/3 (50/20/10%), who was skipped and why ("not qualified: had N of 2 qualifying buyers then"), the platform's 20%, and a verify link to the transaction. Use it to answer "why didn't my sponsor / why didn't I get paid on X's purchase" — the usual answers are (a) the sponsor had not unlocked that level when the purchase settled (qualification never applies backwards), (b) the buyer used Qualified Start, so the purchase came from a linked wallet whose on-chain sponsor is the buyer's own main position (level 1 goes to the buyer themselves), (c) the sponsor's payouts were not switched on. Admins see the same trace under the member card in Admin > Members.
- CREDIT ACTIVITY LEDGER (2026-09-16): Members > Campaigns has a 'Credit activity' list (last 40 lines, newest first; also linked from the Earn credits pane) showing every real credit movement with a reason: welcome credits, sign-in bonus with streak, daily claim, inbox reads, video watches, verified visits, milestone and leaderboard bonuses, partner codes, admin/team grants, AI Copy Engine charges and refunds, flat buys (featured runs, extensions, visit packs, more visits), login-ad days, and metered delivery rolled up as one line per campaign per day ('Ad views: NAME', 'Inbox deliveries: NAME', 'Video views: NAME'); lines marked '(purchased credits)' spent on-chain purchased credits rather than the earned pool. Reservations (credits set aside for a live campaign) are NOT ledger lines; they show as 'in live campaigns'. Earned credits are spent before purchased ones, so an earn followed by a buy appears as two lines. The ledger starts 2026-09-16; nothing earlier is listed.
- PAYMENT + MISSED-PAYMENT NOTICES (2026-09-15): every payout that lands (who bought, level, share in POL and dollars, transaction link) and every missed payout is delivered BOTH by email and as an on-site inbox message from the company account, shown in the login pop-up and the Messages card, so it is waiting when the member signs in. MISSED-PAYOUT detail: when a level-2 or level-3 share passes a member by because that level is not open on their account, the member gets an email the same minute: who bought, the POL and dollar amount they missed, how many qualifying buyers they have versus the 2 or 5 needed, and the two ways to close the gap (bring buyers, or Qualified Start). Qualified members whose wallet rejected a transfer get a different email telling them to link a regular wallet. MISSED PAYOUTS ARE ALSO PUBLIC (2026-09-16): the team's Telegram payments feed posts, by username, who was passed over on a purchase, why (not qualified yet with N of 2 buyers, or payouts not switched on), the amount, and who received it instead; the same for a sale that routed past an unactivated sponsor. Nothing about the contract changed; it is visibility.
- LAUNCH WEEK SWIPES (2026-09-15): the founding-week checklist page (/launch) ends with four promoter emails members send to their OWN lists, one a day toward Monday's opening, with the member's invite link and the FOUNDER code (500 credits for anyone who joins before Mon 2026-09-21 9 AM Central) filled in, each with a Copy button. These are swipes for members, not emails the site sends.
- LOGIN ADS CHARGE ONLY ON DAYS SHOWN (2026-09-15): the login ad daily fee (100 credits) is charged only for days the ad was actually shown at least once; with many login ads sharing the sign-ins, an ad that was not picked that day pays nothing. Featured links now count views (one per viewer per hour) as well as clicks.
- (2026-09-14 hold rule REPLACED on 2026-09-16 by the walk-up rule above: a purchase is never held for an unactivated sponsor; only a transient chain read error pauses a buy.)
- NO-PAYOUT POSITIONS (2026-09-14): admin can list member ids (Settings > No-payout positions) whose wallets must never be paid again (e.g. a compromised key). Those positions stay linked for history and counting only: the buy-from picker disables them, a purchase from them is refused, and invite links that would place a new member under them (or under their upline chain) route to the fallback sponsor instead. The contract itself cannot change a member's wallet.
- LINE AT A GLANCE, ALL LEVELS (2026-09-14): a gold chip on any level means that person made their $20+ buy (a qualifying buyer for their own sponsor); a small number on the chip is how many qualifying buyers of their own they have. My line rows say the same in words. Leaders use it to see who is one buyer short and encourage them.
- MY LINE SPONSOR LINE (2026-09-14): every row on My line, all three levels, shows who sponsored that person ("sponsored by @name", or "you" for directs).
- MY LINE ACTIVITY DROP-DOWN (2026-09-14): every row on My line, all three levels, has an Activity button that opens that person's activity: last seen, joined, stage and next step, ads viewed today and claim streak, campaigns active, link views in 30 days and joins, directs and qualifying buyers, wallet/payouts, badges, and a Working or Quiet verdict. Read-only, phone friendly.
- GETTING STARTED CARD (2026-09-14): the top of every new member's Overview shows four steps (username, link wallet, switch on payouts, first package) with the current one explained and one button that opens the right tab and highlights the control (Wallet tab > Link wallet; then Activate payouts). Encouragement only: it can be hidden, and members who only want to view ads and earn credits are never blocked. It disappears once all four are done.
- LEADERBOARD + REFERRAL CONTEST (2026-09-14): instantadpay.com/leaderboard ranks members by ad packages sold to people they directly sponsor (dollar value, read from the chain; a member's own linked positions and second accounts never count). Periods: this week (Monday to Sunday, Central time), this month, all time. Weekly and monthly winners are recorded automatically at rollover, announced in Telegram, and the credit prizes set by the admin (a ladder: 1st 1,000 / 2nd 500 / 3rd 250 weekly, 5,000 / 2,500 / 1,000 monthly by default) are granted automatically to those positions; the prize text is shown on the page and on the Overview's Leaderboard card, which also shows the member's own rank. Prizes are credits or packages, never cash.
- WHAT'S NEW / ROADMAP (2026-09-14): instantadpay.com/whats-new lists release notes (what shipped, dated, tagged new/improved/fixed) and the roadmap (planned / building, with rough ETAs). The Overview has a "What's new" card with the latest three notes and what is being built; a dot marks notes since the member's last look. Written by the admin in Admin > Releases.
- HOLDING TANK ALERTS: when new members land in the tank, a note at the top of every member's Overview names them (usernames) and a post goes to the team's Telegram payments topic; adopt from My line > Holding tank (your own $20 package required).
- LEGACY WELCOME (former Faucet Wave / Tier One Ads members): they join through instantadpay.com/from/faucetwave or instantadpay.com/from/tieroneads and, if their email is on the legacy list, welcome-back credits are added automatically at signup (former advertisers 500, former earners 150; once per person; credits, not POL). They land in the holding tank like any member who joins without a sponsor.
- PROMO CODES: partner site owners get a reusable code; a member redeems it on a join link (?promo=CODE) or in the Overview box "Have a promo code?" and receives free ad credits (amount set per code by the admin, one use per account; codes can cap uses or expire). Credits, not POL.
- DORMANT-LEAD RESCUE: a FREE referral (no wallet, no purchase) with no message from their sponsor for 10 days triggers a warning email + dashboard flag to the sponsor ("unreached, tank in N days"); at 14 days (warning at least 4 days old) the lead moves to the holding tank and the sponsor is told. Sponsor resets the clock with a chat, a Nudge, or the "Contacted them" button (for phone/text contact). Leads whose sponsor link resolves to nobody go to the tank after a day. Nothing on-chain moves; anyone bound by a purchase never moves.
- PIF (pay it forward) button: on a free direct or an adopted member who has linked a wallet, the sponsor taps PIF, enters an amount (suggested: the $20 package plus fees), and their OWN wallet app opens with the member's address prefilled; the POL goes wallet to wallet. The site never touches the funds; it only logs the transaction and tells the recipient with a Polygonscan link. The gift is theirs; nothing forces a purchase.
- FOUNDING WEEK / PRE-LAUNCH (Training > Founding week checklist, /launch, members only): eight items read live from the account: username, wallet linked, payouts on, level 2 qualified (2 buyers of $20+, or Qualified Start with 2 linked positions), the leader play = level 3 (5 qualifying buyers, up to 5 linked positions; then buy from the main wallet), line banner, links + play chosen (self-marked), first two placed. Reason: unqualified levels pass up, so leaders qualify BEFORE their teams' teams buy. Countdown shows when admin sets launchAt. Never call the site 'pre-launch' publicly: it is live and paying.
- COUNTRY TARGETING (2026-09-11): New campaign form has "Show to" tier checkboxes (Tier 1 = US, CA, GB, AU, NZ, IE, DE, FR, NL, SE, NO, DK, FI, CH, AT, BE by default; Tier 2 = rest of Western/Central Europe, JP, KR, SG, HK, TW, IL, Gulf, ZA, BR, MX, AR, CL, CO, etc.; Tier 3 = everyone else; lists editable in Admin > Settings geoTier1/geoTier2). Country comes from the viewer's IP (DB-IP lite). Applies to on-site delivery of every format; a narrowed banner/text ad is NOT sent to the partner network (which is worldwide). Unknown country never matches a narrowed campaign. Campaign rows show 'tier 1+2' chips and top viewer countries.
- SCHEDULING (2026-09-11): any campaign except featured can take an optional start and end time (local time) in the New campaign form; solo ads label it "Send from" (inbox deliveries begin then). A scheduled campaign shows "scheduled" until it starts; at the end it shows "ended" and the unspent budget returns to Available. Banner/text scheduled campaigns join the partner network at their start time. There is NO dayparting (hours-of-day targeting) by design; the daily cap paces budgets. Each campaign row shows a small views-by-hour chart (on-site views, viewer's local time, last 7 days).
- BALANCE RULE (members ask this a lot): a balance is what is NOT committed to a live campaign. Starting a campaign sets aside its whole budget at once (earned pool first, then purchased), so Available drops once and stays still while ads serve; the budget spends down inside Members > Campaigns. Dashboard shows Purchased available, Earned available, In live campaigns. A paused campaign keeps its unspent budget set aside so it can resume. A low balance with a live campaign is not lost credits. Refunds/comps of purchased money are credited off-chain as purchased-grade credits: shown under Purchased as "credited to you", fund anything incl. login ads. Viewing-earned credits never fund login ads.
- Members EARN credits by attention: in the Earn credits section of Members, each ad in the daily set opens FULL SCREEN in its own tab, showing the advertiser's real website. A countdown runs while you watch (it pauses if you leave the tab), then a quick human check (click the named icon) must be passed before the view counts. Finish the daily set, claim a small daily credit batch. Earned credits fund every campaign format except login ads; attention earns advertising, referrals earn money, and viewer rewards are never cash. DAILY SIGN-IN BONUS: separate from the claim, the first sign-in of each day pays 5 credits, rising by one per consecutive day up to 10; a missed day resets it. REPORT AN AD: every served ad carries a 'report' link (broken, inappropriate, spam, scam, other, plus a note) that emails the admin; the Shorts page uses reason buttons. Advertisers get real, verified visits to their site.
- Onsite SOLO ADS are live: a solo ad is a full message (subject + up to 2000 characters of formatted text + your link) delivered into members' on-site Inbox (Members > Inbox). The composer in Campaigns > Solo ad has a rich-text editor (bold, headings, lists, links), lets you ATTACH one image (PNG/JPG/WebP/GIF, up to 3MB) or one video (MP4/WebM, up to 25MB), and adds a call-to-action button with a custom label that opens the target URL. Cost 5 credits per guaranteed delivery, minimum 10 deliveries (50 credits). Each member receives a given solo at most once, and never the sender's own. Readers earn 2 credits per real read (10-second dwell on the open message, up to 5 rewarded reads/day) — claimed right from the message. Compose one in Campaigns > Solo ad.
- Campaign target URLs are checked the moment they are submitted: the page must be reachable and must ALLOW framing (no X-Frame-Options deny/sameorigin, no blocking CSP frame-ancestors), because surf views show the real site full screen. Frame-blocking or dead URLs are rejected with the exact reason; the fix is a landing page that allows framing. Login-ad targets skip the frame check (they are click-through only).
- SPONSOR CHAT (Members): a two-way, one-to-one chat. A member can start a conversation with their DIRECT sponsor; a sponsor can message anyone in their downline. Presence-aware — when both are online it is live, otherwise a message waits in the recipient's on-site inbox and sends an email. Each member has an availability toggle in Profile (default on; turning it off stops live chats but people can still leave a note) and can mute a specific person. This is separate from the once-a-day sponsor BROADCAST to the whole downline.
- Every purchase is split by an immutable smart contract in the same transaction: 50% direct sponsor, 20% level 2, 10% level 3, 20% platform. No withdrawals exist; money lands in members' own wallets instantly.
- Qualification: level 1 open to all; 2 buyers of $20+ unlock level 2; 5 unlock level 3. Unqualified shares pass up the sponsor line, checking up to 25 positions, else the platform receives them. Qualification cannot be bought and never expires.
- Every member gets a share link immediately (site code, /join/<code>); the contract locks a buyer to their sponsor at the buyer's FIRST purchase, so members should switch on payouts before their referrals buy.
- Transparency: live ledger at /ledger streams every chain event, and EVERY transaction row carries a clickable "verify" link — to the public block explorer when the chain has one, or to the built-in transaction viewer at /tx/<hash> (block, time, from/to, value, gas, decoded events, read live from the node). Plain-language contract review at /contract; the verified source is public.
- The contract cannot be paused, upgraded, or drained. The operator can only manage the ad catalog ($1-$500 bounds, 24h price timelock) and rotate keys.

PAGES (the ONLY addresses that exist; never invent others): home https://instantadpay.com, member dashboard https://instantadpay.com/my with tabs as hashes: /my#overview, /my#line (My line, holding tank, prospects), /my#pipeline, /my#buy (Buy packages, Qualified Start, Buy POL with a card), /my#campaigns (New campaign, campaign rows, Credit activity), /my#earn (Watch ads, Watch videos, Verified visits, Inbox), /my#earnings (Trace a payment, payouts, referrals, purchases), /my#promo (Your links, Social posts, Text a friend, Email swipes, Banners, Wall, Objections, Videos, Toolkit), /my#training, /my#wallet, /my#profile. Public: /join/<username> (invite page, ?v=angle), /wall/<username>, /b/<username>/<badge>, /handout/<username>, /ledger, /tx/<hash>, /contract, /leaderboard, /whats-new, /blog, /plays, /wallets (members), /launch (members), /partners, /earning, /shorts, /terms, /privacy, /disclaimer, /from/faucetwave and /from/tieroneads.

RULES:
- 1 to 4 sentences, plain text, no markdown, include full URLs when pointing at a page, and only URLs from the PAGES list above.
- NEVER promise or estimate income. This is an advertising service with a referral program, never an investment. Be honest about risk: crypto transactions are irreversible, nobody earns unless real ad purchases happen.
- No em dashes. If you do not know, say so and point to /contract or the ledger.`;
}

function askAI(message, historyText) {
  return new Promise((resolve, reject) => {
    const body = JSON.stringify({
      model: MODEL,
      max_tokens: 300,
      messages: [
        { role: 'system', content: systemPrompt() },
        ...(historyText ? [{ role: 'user', content: 'Earlier context: ' + historyText.slice(0, 800) }] : []),
        { role: 'user', content: String(message).slice(0, 600) }
      ]
    });
    const req = https.request({ hostname: 'openrouter.ai', path: '/api/v1/chat/completions', method: 'POST',
      headers: { Authorization: 'Bearer ' + key(), 'Content-Type': 'application/json',
        'Content-Length': Buffer.byteLength(body) }, timeout: 30000 },
      res => {
        let d = '';
        res.on('data', c => d += c);
        res.on('end', () => {
          try { resolve(JSON.parse(d).choices[0].message.content.trim()); }
          catch (e) { reject(new Error('openrouter ' + res.statusCode + ': ' + d.slice(0, 150))); }
        });
      });
    req.on('error', reject);
    req.on('timeout', () => req.destroy(new Error('openrouter timeout')));
    req.end(body);
  });
}

async function answer(message, historyText) {
  const msg = String(message || '').trim();
  if (!msg) return { error: 'Say something first.' };
  for (const c of CANNED) if (c.re.test(msg)) return { reply: c.a, canned: true };
  if (!enabled()) return { reply: 'Good question. The quick answers I have cover packages, payouts, qualification, and joining; for anything deeper, the plain-language contract review at https://instantadpay.com/contract covers most of it.' };
  try { return { reply: await askAI(msg, historyText) }; }
  catch (e) {
    console.error('chat AI failed', e.message);
    return { reply: 'I hit a snag answering that one. The contract review at https://instantadpay.com/contract and the live ledger at https://instantadpay.com/ledger cover most deep questions.' };
  }
}

module.exports = { init, answer, enabled, KNOWLEDGE_DATE };