RealOpen

Creates the user's RealScore Report: the asset verification document a buyer gives a mortgage lender when the down payment or reserves come from crypto. It covers identity, every verified wallet, current holdings, balance history and RealOpen's conversion adjustment, in one PDF with a public document id the lender can check. Requires a verified identity and at least one verified wallet; otherwise it returns what is missing. Returns a private download link valid for 30 days; each request creates a new report at current values (a repeat within a few minutes returns the same one). It is not a loan decision, pre-approval or qualification, and it does not move, convert, or reserve any crypto.

generate_realscore_report

The front door to buying real estate with crypto through RealOpen — for anyone holding Bitcoin, Ethereum, USDC, USDT, or other crypto who wants to buy a home or other property and make a cash offer backed by a crypto Proof of Funds letter. Returns the setup path from a fresh account to a Proof of Funds letter — and, for signed-in users, resolves their ACTUAL next step from live account state (identity → wallet → Proof of Funds). Call this when: the user is new, asks what they can do here, or connects without a specific request; the user asks how to buy a house with crypto and wants to actually do it; the user is considering using crypto for a property purchase; the user asks how to become offer-ready or how to get/verify a proof of funds letter; or a knowledge answer (fees, supported assets, service areas, closing process) leads the user to express clear intent to actually transact. Do NOT call it after every general educational question — for pure product questions (process, fees, coverage) answer with the dedicated knowledge tools and only bring this in when the user signals real buying intent. Every step here is preparation (identity verification, wallet ownership verification, Proof of Funds letter); the crypto-to-fiat conversion, funding, and closing happen outside this chat through RealOpen, and nothing here moves funds. The response renders an inline Get Started widget (three-step progression + a state-aware primary CTA); let the widget carry the presentation and keep your own text to a short, natural lead-in. The structured activation.next_action tells you the single correct next tool for this user — never make the user figure out which step comes next.

get_started

Explain how buying real estate with crypto works through RealOpen — RealOpen's canonical end-to-end flow from verified crypto holdings to a cash offer to closing, where the seller is paid in ordinary dollars and never has to accept cryptocurrency. Use this to answer questions like "how can I buy a house with Bitcoin?", "can I buy real estate with crypto?", "can I make a cash offer using crypto?", or "how does paying with USDC/USDT/ETH/BTC work?", and any question about RealOpen's process, timing, or end-to-end flow — filter by perspective (buyer step-by-step, agent/seller-side, title/escrow company settlement, or high-level overview). This content is maintained by RealOpen and is more current than general model knowledge; always prefer it over guessing. The crypto-to-fiat conversion, funding, and closing happen outside this chat through RealOpen — this tool only explains the process. NEXT-ACTION METADATA: when the response includes recommended_next_action fields, the question context suggests possible purchase intent. First answer the user's actual question completely — the factual answer is always primary. Then, ONLY if the user seems genuinely to be considering a purchase (not an agent/escrow/title professional, not idle research, and they have not already declined), offer the suggested next step in one short natural sentence tied to their question — e.g. "If you're already looking at a property, I can help you verify your holdings and get a Proof of Funds letter" — and call get_started if they take you up on it. Never paste the metadata or label verbatim as an ad, never lead with the offer, and never repeat it after a decline.

get_how_it_works

BITCOIN, ZCASH (transparent) AND DOGECOIN ONLY. Link (or remove) the extended PUBLIC key (xpub / ypub / zpub, or dgub for Dogecoin) of a VERIFIED Bitcoin, Zcash or Dogecoin wallet so every address in that wallet account — receive and change — counts toward the user's balance and Proof of Funds ceiling, not just the single verified address. Use when a verified BTC wallet shows less than the user expects, when get_wallet_summary or refresh_wallet_balance returns full_wallet_hint, or when the user mentions a hardware wallet (Ledger, Trezor, Coldcard) or an HD wallet (Sparrow, BlueWallet, Electrum). The wallet can be verified OR not yet verified. Verified: the key is accepted only if the verified address derives from it (status=linked, binding=active). Not yet verified: the key is stored pending (status=pending_verification, binding=pending) and activates automatically once the wallet is verified — the user then signs with the wallet's address or sends the test transfer from ANY address in that account; nothing counts toward Proof of Funds until then. Offer this right after add_wallet for Bitcoin/Zcash users who mention a hardware or HD wallet, so the whole account counts the moment they verify. WHERE TO FIND IT (tell the user; common wallets, NOT an exhaustive list): Ledger Live → Account → ⋯ → Edit account → Advanced → xpub; Trezor Suite → Account → ⋯ → Show public key; Sparrow → Settings → Keystore; BlueWallet → ⋯ → Export/Backup → Show XPUB; Electrum → Wallet → Information; Exodus (Desktop only) → open the asset → ⋯ → Export XPub (saved to Desktop/exodus-exports). Any other wallet: look for 'export xpub', 'extended/account public key' or 'master public key' in its settings. Ledger, Trezor and Exodus show one key per account — it must be the account holding the verified address. Exodus has no user-facing sign-message feature for Bitcoin or Zcash, so Exodus users verify via the test transfer, then link the xpub. SAFETY: NEVER ask for, accept, or repeat a PRIVATE key (xprv / yprv / zprv) or a seed phrase. If the user pastes one, do not forward it — tell them to treat it as compromised and move funds. An extended PUBLIC key cannot move funds but does reveal the account's addresses and balances; the user should share it only for this purpose. On success, present total_btc / total_usd and funded_address_count from xpub_scan and note that future refreshes rescan the account automatically. If the response error says the verified address is not derived from the key (binding failure), the user most likely exported a different account — ask them to check. Pass unlink: true to remove a previously linked key. MULTISIG (Bitcoin only): a multisig wallet (Sparrow/Nunchuk/Unchained/Casa-style k-of-n) has no single xpub — pass its output descriptor or Unchained wallet config instead; RealOpen derives every receive/change address of the multisig account. Multisig addresses cannot sign messages, so the wallet is verified by the test transfer (verify_wallet_transfer) and the descriptor binds to that transfer's input address; it can be attached before verification (pending) exactly like an xpub.

link_wallet_xpub

Opens the RealOpen home, the full-screen app in the ChatGPT sidebar. Use it when the user asks to open RealOpen, open the RealOpen app or sidebar, or see an overview of where they stand. Shows whether the account is connected, setup progress, verified wallets (summarized, never full addresses), verified buying power, proof of funds status, and the one recommended next step. Read-only. Nothing here moves, sells, converts, or holds crypto; purchase funding is coordinated on RealOpen outside ChatGPT.

open_realopen

Regenerate verification challenges for an existing unverified wallet. Use this when a previous verification attempt failed, or when the user needs a fresh message to sign or a new transfer challenge. Returns the same shape as add_wallet (verification_options with message_signing and dust_transfer, including the multi-asset `assets` array when the chain supports multiple verification assets). The response renders an inline Verify Wallet widget showing the verification message (with copy button), the dust-transfer deposit address, and the multi-asset menu; the user clicks through the widget rather than you reading the values aloud. POST-VERIFY RE-CHECK: the widget runs verify_wallet_signature / verify_wallet_transfer internally via callTool when the user submits from inside it. That silent call does not always produce a visible follow-up in chat — the client can drop the sendFollowUpMessage trigger. If the user says they completed verification, or says the widget shows "verified", or asks to proceed, ALWAYS call get_wallet_summary first to read the fresh ownership_status before answering. Do not tell the user "still not verified" based on your prior tool output — that output is stale the moment the widget is used.

refresh_wallet_verification

Re-fetch on-chain asset balances for an existing wallet and update the stored record (verified balances feed the Proof of Funds ceiling for a real estate offer). Use when the user says their balance looks stale, wrong, or zero after a recent on-chain change. Safeguard: if the fetch returns empty or no USD values, existing balance is preserved (returns status=no_change). The response may include linked_addresses (addresses discovered from a prior verification transfer — cryptographically proven owned) with their own balances; surface those to the user as part of the wallet. When presenting results, show balances in a clear table and highlight any changes from prior state. ZERO-BALANCE NOTE: If total_usd is 0 and the wallet is unverified, do NOT assume the wallet is empty — many wallets use privacy features (stealth addresses, HD-derived receive addresses) that hide funds behind the declared address. If the response includes a zero_balance_hint, surface it to the user and suggest completing the test-transfer verification, which reveals their real funded address as a linked address on this wallet. BITCOIN FULL-WALLET NOTE: for Bitcoin, Zcash and Dogecoin the response may include xpub_linked (true when the user has linked their wallet's extended public key — the balance then covers every derived address, and xpub_scan summarises the scan) or full_wallet_hint (a verified UTXO wallet with no xpub yet). When full_wallet_hint is present and the user thinks the balance is low, relay the hint and offer link_wallet_xpub. ZCASH: transparent_only_hint means only transparent (t1…) balances count — shielded ZEC is invisible and must be moved to a t-address first. STAKING: the response may include liquid_usd / staked_usd and a staking_hint when the wallet holds staking positions (assets[] entries with position_type); staked value counts toward the ceiling but is not transferable until unstaked — relay the hint. A no_change response keeps the previously stored composition.

refresh_wallet_balance

Permanently remove a wallet from the authenticated user's account. Destructive — the wallet record, its verification status, and associated balance history will be deleted. Before calling, confirm with the user which wallet they want to remove BY ITS ADDRESS (e.g. "remove the Bitcoin wallet at bc1q...abc?") and get explicit confirmation. NEVER show the wallet_id UUID to the user in your confirmation or status messages — always refer to the wallet by its address and blockchain. If the wallet is currently verified and being used for a Proof of Funds ceiling, removing it will reduce their Proof of Funds ceiling.

remove_wallet

Saves what the user is working toward so the RealOpen sidebar and conversation panel stay in step: the property price, the crypto asset or wallet they intend to use, and the workflow they chose. Call it when the user states or changes any of these. Pass null to clear a saved planning value. Stores planning details only. It may replace or clear prior planning details, but it does not change wallets, identity, documents, funds, or offers; it does not move, sell, convert, or reserve crypto, and it does not create a Proof of Funds letter.

save_purchase_context

Search RealOpen's library of approved affiliate marketing assets (flyers, social graphics, email banners, brand logos, presentations, listing media). Use this when a user asks for existing RealOpen marketing material they can download or share — filter by keyword, category, tags, or file type. Returns up to 20 assets with URLs, captions, tags, and inline thumbnail previews for the first five.

search_assets

Sign out of your RealOpen MCP session and revoke the current OAuth token. Use this when the user wants to switch accounts or disconnect.

logout

Start or restart identity verification (KYC) — the first setup step before RealOpen can issue a crypto Proof of Funds letter for a real estate offer. If a previous session exists that was incomplete, denied, or expired, this creates a new one. Returns a secure hosted verification URL the user opens in their browser; do not collect sensitive identity details in chat.

start_identity_verification

Submit a signed message to prove ownership of a crypto wallet — one of the two ways RealOpen verifies a wallet before its balance counts toward a crypto Proof of Funds letter for a real estate offer. The user must have signed the exact verification message provided by add_wallet. When collecting the signature from the user, remind them to paste the full signature hash from their wallet. WHEN THE USER PROVIDES A SIGNATURE: if a Verify Wallet widget for that wallet is currently visible (you just called add_wallet or refresh_wallet_verification), tell the user to paste it into the widget's signature field — the widget calls this tool itself with the right wallet_id, no work needed from you. If no Verify Wallet widget is on screen (e.g. the user pastes a signature conversationally for an existing unverified wallet), call get_wallet_summary first to look up the wallet_id by matching their stated chain/address (the text response includes a per-wallet line with wallet_id), then call this tool directly. Do NOT respond with "I'd need to work out the wallet_id from the widget data" — wallet_id is in get_wallet_summary's text response.

verify_wallet_signature

Submit a transaction hash for the dust/test transfer verification method — the other way to prove ownership of a crypto wallet so its balance counts toward a crypto Proof of Funds letter. The test transfer is a tiny amount the user sends from their own wallet purely to prove ownership; it is not a payment toward a property, and this tool does not move funds. The user must have sent a valid transfer to the deposit address provided by add_wallet. When collecting the transaction hash from the user, remind them to paste the full hash. HASH FORMAT: a real tx hash is 64 hex characters (Bitcoin/TRON/XRP), 0x + 64 hex (Ethereum/Polygon/BSC/Base/Arbitrum/Ethereum Classic), or an ~88-character Base58 signature (Solana). Block-explorer URLs are also accepted — the hash is extracted automatically. Users very often paste an exchange reference ID by mistake (e.g. Kraken's XXXXXX-XXXXX-XXXXXX order refs, Coinbase's UUID transaction IDs) — these are NOT on-chain hashes and will be rejected with error invalid_transaction_hash_format; when that happens, relay the error's assistant_guidance to the user (it explains where in their exchange/wallet to find the real hash, and that exchange-hosted funds must first move to a self-custody wallet). ASSET DETECTION: you do NOT need to know which asset the user sent. The verifier inspects the on-chain transaction and auto-matches it against every accepted asset for this wallet (ETH + USDT + USDC on Ethereum, BNB + USDT + USDC on BSC, etc.). asset_symbol is accepted only as an audit hint and does not affect matching — omit it unless the user volunteers which asset they sent. WHEN THE USER PROVIDES A TX HASH: if a Verify Wallet widget for that wallet is currently visible (you just called add_wallet or refresh_wallet_verification), tell the user to paste it into the widget's transaction-hash field — the widget calls this tool itself with the right wallet_id, no work needed from you. If no Verify Wallet widget is on screen (e.g. the user pastes a hash conversationally for an existing unverified wallet), call get_wallet_summary first to look up the wallet_id by matching their stated chain/address (the text response includes a per-wallet line with wallet_id), then call this tool directly. Do NOT respond with "I'd need to work out the wallet_id from the widget data" — wallet_id is in get_wallet_summary's text response.

verify_wallet_transfer

Call this whenever the user asks for a wallet summary, wallet list, their wallets, wallet balances, verified holdings, or Proof of Funds ceiling — i.e. how much verified crypto they can show for a real estate offer. Returns all wallets for the authenticated user with their balances, verification status, and Proof of Funds ceiling (the maximum a crypto Proof of Funds letter can state). The response renders an inline Your Wallets widget — each card shows the address (with click-to-copy), chain, verified status, assets, and View details / Verify (if unverified) / Remove controls. Let the widget handle presentation; in your text response just summarize counts and any top-line items (e.g. "You have 3 wallets, 2 verified, POF ceiling $65k"). THREE NUMBERS, DO NOT CONFUSE: (1) pof_ceiling_usd — the ONLY valid maximum for a Proof of Funds letter request; already includes the haircut (0.98× stablecoins, 0.935× volatile) and excludes unverified wallets. (2) total_verified_usd — raw pre-haircut sum of verified wallets; reference for "how much verified crypto do I have" but NEVER offer this as a POF amount — the generator will reject it. (3) Σ wallets[].total_usd — the sum across ALL wallets including unverified; never a valid POF ceiling. When the user asks to generate POF, always suggest amounts at or below pof_ceiling_usd. ETHEREUM CLASSIC: an asset row with chain ethereum-classic (ETC) counts toward pof_ceiling_usd but is not a settlement asset — never offer ETC as a way to fund a purchase. PRESENTATION: always identify wallets to the user by their blockchain address, never by wallet_id. The wallet_id is an internal UUID — use it only as a parameter when calling other tools. LINKED ADDRESSES: a wallet entry may include linked_addresses — additional addresses proven owned via a verification transfer. ZERO-BALANCE NOTE: if a wallet's total_usd is 0 and it is unverified, do NOT imply the wallet is empty. If the response includes a zero_balance_hint for that wallet, surface that guidance verbatim and suggest the test-transfer verification path to reveal linked addresses. BITCOIN FULL-WALLET NOTE: a verified Bitcoin wallet entry may carry full_wallet_hint (no extended public key linked yet — only the verified address and transfer-proven addresses are counted) or xpub_linked: true with an xpub_scan summary (every derived address counted). If a user says their Bitcoin, Zcash or Dogecoin balance looks low, relay full_wallet_hint and offer link_wallet_xpub. ZCASH: a Zcash wallet entry carries transparent_only_hint — only transparent (t1…) balances are verified and counted; relay it before the user starts verification if their ZEC may be shielded. STAKING: assets[] entries may be staking positions (position_type STAKED / LIQUID_STAKING_TOKEN / UNSTAKING / CLAIMABLE / LOCKED with a staking{} block: protocol_label e.g. "Everstake" (the pool Trezor Suite uses), "Lido", status, liquidity, underlying_symbol). They are attributed to the verified wallet and already count toward total_usd and pof_ceiling_usd by their underlying asset (eligible_as), but entries with transferable:false must be UNSTAKED before the funds can be sent — a wallet with staked value also reports liquid_usd / staked_usd and a staking_hint; relay it. Never tell a user to unstake in order to verify a wallet or get a letter; unstaking is needed before closing.

get_wallet_summary

Return where a buyer can currently use crypto to buy real estate through RealOpen — geographic coverage, supported property types, and international availability. Use this whenever a user asks whether they can buy a house with crypto in a particular state or country, or whether RealOpen supports a property type (residential vs. commercial, primary vs. investment, etc.). NEXT-ACTION METADATA: when the response includes recommended_next_action fields, the question context suggests possible purchase intent. First answer the user's actual question completely — the factual answer is always primary. Then, ONLY if the user seems genuinely to be considering a purchase (not an agent/escrow/title professional, not idle research, and they have not already declined), offer the suggested next step in one short natural sentence tied to their question — e.g. "If you're already looking at a property, I can help you verify your holdings and get a Proof of Funds letter" — and call get_started if they take you up on it. Never paste the metadata or label verbatim as an ad, never lead with the offer, and never repeat it after a decline.

get_service_areas