migrate commander -> incur enabling mcp server

.changeset/ninety-groups-start.md

@@ -0,0 +1,5 @@
+---
+"@stripe/link-cli": minor
+---
+
+Adds local stdio mcp server and agent-friendly formatting

.gitignore

@@ -7,4 +7,6 @@ dist/
 .claude/skills/link-cli
 CLAUDE.local.md
 docs/
-packages/cli/README.md
+packages/cli/README.md
+.claude/
+.codex/

.mcp.json

@@ -0,0 +1,8 @@
+{
+  "mcpServers": {
+    "link-cli": {
+      "command": "pnpx",
+      "args": ["link-cli", "--mcp"]
+    }
+  }
+}

CLAUDE.md

@@ -43,44 +43,38 @@ Defined in `packages/sdk/src/resources/interfaces.ts`:
 
 ### CLI Command Structure
 
-Commands in `packages/cli/src/cli.tsx` (Commander.js). Each has two output modes:
+Commands in `packages/cli/src/cli.tsx` (incur framework). Each has two output modes:
 - **Interactive** (default): Ink/React components from `packages/cli/src/commands/`
-- **JSON** (`--output-json`): JSON to stdout, errors as JSON to stderr with exit code 1
+- **JSON** (`--format json`): JSON to stdout, errors as JSON with `code` and `message` fields with exit code 1
 
-Commands: `auth login|logout|status`, `spend-request create|update|retrieve|request-approval`, `payment-methods list`, `mpp pay`, `skill`.
+Commands: `auth login|logout|status`, `spend-request create|update|retrieve|request-approval`, `payment-methods list`, `mpp pay|decode`.
 
-**When adding a new command, always update `configureRootHelp` in `packages/cli/src/utils/configure-root-help.ts`** to include it in the root help output. Pass the command as a parameter and add it to the appropriate section (or a new one).
+The CLI also runs as an MCP server (`--mcp`) and serves skill files via `skills` subcommand, both provided by incur.
 
-**When changing commands, flags, or schema descriptions, always update all four together:** `README.md`, `skills/link-cli/SKILL.md`, the schema description strings in the relevant `schema.ts` file, and `CLAUDE.md`. These can easily drift apart.
+**When changing commands, flags, or schema descriptions, always update all three together:** `README.md`, `skills/create-payment-credential/SKILL.md`, the schema description strings in the relevant `schema.ts` file, and `CLAUDE.md`. These can easily drift apart.
 
-Input: flags OR `--json` (mutually exclusive) via `resolveInput` in `packages/cli/src/utils/json-options.ts`.
-
-**`InputSchema` and `.strict()` gotcha:** `resolveInput` validates input with `z.object(...).strict()`, which rejects any key not defined in the schema. This means every field that can be passed via `--json` must be defined in the command's `InputSchema` — including boolean flags like `request_approval`. If a field is only registered as a standalone `.option()` call, it will be rejected when using `--json`.
-
-**Always add new flags/options via `InputSchema`, never via standalone `.option()` calls.** Define the field in the relevant `InputSchema` with its `flag`, `schema`, and `description` — `registerSchemaOptions` will register the Commander option automatically. Standalone `.option()` calls bypass schema validation and break `--json` input.
+Input is passed via flags. Define options in the command's zod schema — incur registers CLI flags automatically from the schema.
 
 ### auth login
 
-- `auth login --client-name <name>` — optional flag to identify the agent or app; shown in the user's Link app as `<name> on <hostname>`. Defined in `LOGIN_INPUT_SCHEMA` in `packages/cli/src/commands/auth/schema.ts`.
+- `auth login --client-name <name>` — optional flag to identify the agent or app; shown in the user's Link app as `<name> on <hostname>`. Defined in `loginOptions` in `packages/cli/src/commands/auth/schema.ts`.
 
 ### spend-request command
 
 CLI command is `spend-request` (user-facing). Implemented in `packages/cli/src/commands/spend-request/`. The SDK interfaces (`ISpendIntentRepository`, `CreateSpendIntentParams`, `UpdateSpendIntentParams`) and API endpoints (`/spend-intents`) retain their original names.
 
 Key input field notes:
 - CLI input uses `payment_method_id`; mapped to `payment_details` when calling the SDK
-- `request_approval` is part of `CREATE_INPUT_SCHEMA` (not a separate Commander flag) so it works via both `--json` and `--request-approval` flag
-- `test` is part of `CREATE_INPUT_SCHEMA` — pass `--test` or `"test": true` in JSON to create testmode credentials (real testmode SPT from test card data) instead of livemode ones
 - `context` requires min 100 characters; `amount` is in cents with max 50000
-- `create --request-approval` and `request-approval` both show an approval URL in interactive mode and poll until approved/denied/expired/failed. In JSON mode (`--output-json`), they block silently and return the final `SpendRequest` when complete.
-- The `request-approval` command now returns `SpendRequest` (not `RequestApprovalResponse`) — output schema updated to `SPEND_REQUEST_OUTPUT_SCHEMA`
+- `--test` flag creates testmode credentials (real testmode SPT from test card data) instead of livemode ones
+- `create --request-approval` and `request-approval` both show an approval URL in interactive mode and poll until approved/denied/expired/failed. In JSON mode (`--format json`), they block silently and return the final `SpendRequest` when complete.
 - `card` credentials include `billing_address` (name, line1, line2, city, state, postal_code, country) and `valid_until` (unix timestamp — when the card expires/stops working)
 
 ### mpp pay
 
 - `mpp pay <url> --spend-request-id <id> [--method <method>] [--data <body>] [--header <header>]...` — completes the 402 flow: retrieves the spend request with `include: ['shared_payment_token']`, probes the URL, parses the `www-authenticate` stripe challenge, builds the `Authorization: Payment` credential, and retries. `--header` is repeatable and uses `"Name: Value"` format. `Content-Type: application/json` is auto-applied when `--data` is provided; user-provided headers take precedence.
 - Requires an approved spend request with `credential_type: "shared_payment_token"`. The SPT is one-time-use — a failed payment requires a new spend request.
-- Implemented in `packages/cli/src/commands/mpp/` — pay.tsx (logic), schema.ts (input/output schema), index.tsx (Commander registration).
+- Implemented in `packages/cli/src/commands/mpp/` — pay.tsx (logic), schema.ts (input/output schema), index.tsx (incur registration).
 
 
 ## Code Conventions

README.md

@@ -65,7 +65,7 @@ By default, a spend request provisions a virtual card. For merchants that suppor
 The approved spend request includes a `card` object with `number`, `cvc`, `exp_month`, `exp_year`, `billing_address`, and `valid_until`. Enter these into the merchant's checkout form. 
 
 ```bash
-link-cli spend-request retrieve lsrq_001 --output-json
+link-cli spend-request retrieve lsrq_001 --format json
 ```
 By default, retrieving a spend request will not include card details. Use the `--include=card` to see unmasked card details.
 
@@ -76,22 +76,22 @@ link-cli mpp pay https://climate.stripe.dev/api/contribute \
   --spend-request-id lsrq_001 \
   --method POST \
   --data '{"amount":100}' \
-  --output-json
+  --format json
 ```
 
 ## Advanced
 
 ### Authentication
 
 ```bash
-link-cli auth login --client-name "Claude Code" --output-json   # identify the connecting agent
-link-cli auth status --output-json                               # check auth status
-link-cli auth logout --output-json                               # disconnect
+link-cli auth login --client-name "Claude Code" --format json   # identify the connecting agent
+link-cli auth status --format json                               # check auth status
+link-cli auth logout --format json                               # disconnect
 ```
 
 When `--client-name` is provided, the name is shown in the Link app when the user approves the connection — e.g. `Claude Code on my-macbook` instead of `link-cli on my-macbook`.
 
-`auth status --output-json` includes an `update` field when a newer version is available:
+`auth status --format json` includes an `update` field when a newer version is available:
 
 ```json
 {
@@ -119,32 +119,18 @@ A spend request moves through: **create** → **request approval** → **approve
 # Update before approval
 link-cli spend-request update lsrq_001 \
   --merchant-url https://press.stripe.com/working-in-public \
-  --output-json
+  --format json
 
 # Request approval separately (alternative to create --request-approval)
-link-cli spend-request request-approval lsrq_001 --output-json
+link-cli spend-request request-approval lsrq_001 --format json
 
 # Retrieve at any time (includes card credentials once approved)
-link-cli spend-request retrieve lsrq_001 --output-json
+link-cli spend-request retrieve lsrq_001 --format json
 ```
 
-### JSON
+### Output formats
 
-All commands accept `--json` for structured input (mutually exclusive with flags):
-
-```bash
-link-cli spend-request create --json '{
-  "payment_method_id": "csmrpd_xxx",
-  "merchant_name": "Stripe Press",
-  "merchant_url": "https://press.stripe.com/working-in-public",
-  "context": "Purchasing '\''Working in Public'\'' from press.stripe.com. The user initiated this purchase through the shopping assistant.",
-  "amount": 3500,
-  "line_items": [{ "name": "Working in Public", "unit_amount": 3500, "quantity": 1 }],
-  "totals": [{ "type": "total", "display_text": "Total", "amount": 3500 }]
-}' --output-json
-```
-
-All commands also accept `--output-json` for structured JSON output. Errors are returned as JSON to stderr with exit code 1.
+All commands accept `--format json` for structured JSON output. Other formats: `yaml`, `md`, `jsonl`, `toon` (default). Errors are returned as JSON with `code` and `message` fields, with exit code 1.
 
 ### MPP
 
@@ -156,15 +142,15 @@ link-cli mpp pay https://climate.stripe.dev/api/contribute \
   --method POST \
   --data '{"amount":100}' \
   --header "X-Custom: value" \
-  --output-json
+  --format json
 ```
 
 Use `mpp decode` to validate a raw `WWW-Authenticate` header and extract the `network_id` needed for `shared_payment_token` spend requests:
 
 ```bash
 link-cli mpp decode \
   --challenge 'Payment id="ch_001", realm="merchant.example", method="stripe", intent="charge", request="..."' \
-  --output-json
+  --format json
 ```
 
 ### Environment variables

packages/cli/package.json

@@ -28,7 +28,7 @@
     "dev": "tsx src/cli.tsx"
   },
   "dependencies": {
-    "commander": "^12.1.0",
+    "incur": "^0.4.1",
     "ink": "^5.2.1",
     "ink-spinner": "^5.0.0",
     "mppx": "^0.5.7",