docs(pipe/auto-pay): udpate readme

pipes/auto-pay/README.md

@@ -1,7 +1,10 @@
-# Auto-Pay Pipe
-
 Automatically trigger bank transfers based on screen activity. The pipe monitors your screen for payment-related information and can initiate transfers through the Wise API.
 
+
+Right now it simplifies the preparation and requires human-in-the-loop to confirm the transfer.
+
+> ⚠️ **Early Development Notice**: This pipe is in active development and subject to breaking changes. The API, UI, and functionality may change significantly as we improve the system.
+
 ## Features
 
 - Real-time screen monitoring to detect payment information
@@ -17,14 +20,63 @@ Automatically trigger bank transfers based on screen activity. The pipe monitors
 
 ## How it Works
 
-1. **Screen Analysis**: Uses screenpipe's OCR to analyze your screen activity in real-time
-2. **Payment Detection**: Identifies payment-related information from various sources (invoices, emails, etc.)
-3. **Data Extraction**: Extracts structured payment information using AI models
-4. **Transfer Creation**: Automatically creates and executes transfers through Wise:
-   - Creates quotes for currency conversion
-   - Manages recipient accounts
-   - Validates transfer requirements
-   - Initiates and funds transfers
+The pipe follows a three-stage process:
+
+1. **Browse & Monitor**
+   - Continuously monitors your screen activity using screenpipe's OCR
+   - Captures text from various sources (browsers, PDFs, emails)
+   - Stores data locally for privacy and quick access
+
+2. **Detect & Extract**
+   - AI models analyze captured text to identify payment information
+   - Extracts structured data like amounts, recipients, and bank details
+   - Assigns confidence scores to detected payments
+   - Presents findings for your review
+
+3. **Prepare & Execute**
+   - Validates extracted information against Wise requirements
+   - Creates necessary recipient records and quotes
+   - Handles currency conversion if needed
+   - Initiates transfer after your confirmation
+
+## Setup & Testing
+
+### Prerequisites
+- OpenAI API key (for payment detection)
+- Wise API credentials:
+  - API Key
+  - Profile ID
+
+### Testing Flow
+
+1. **Start with Sandbox**
+   ```json
+   // pipe.json settings
+   {
+     "wiseApiKey": "your-sandbox-api-key",
+     "wiseProfileId": "your-profile-id",
+     "enableProduction": false  // Keep false for testing
+   }
+   ```
+
+2. **Test Payment Detection**
+   - Open an invoice or payment details in your browser/PDF viewer
+   - Click "Start Detection" in the Auto-Pay interface
+   - Review detected payment information
+   - Confidence scores help evaluate detection accuracy
+
+3. **Test Transfer Creation**
+   - Use Wise Sandbox credentials first
+   - Transfers will be created in test mode
+   - Monitor the process in Wise Sandbox dashboard
+   - Check transfer statuses and notifications
+
+### Moving to Production
+
+1. Update `pipe.json` with production credentials
+2. Set `enableProduction` to `true`
+3. Thoroughly test with small amounts first
+4. Monitor transfer execution closely
 
 ## Privacy & Security
 
@@ -41,4 +93,19 @@ Automatically trigger bank transfers based on screen activity. The pipe monitors
 - Handling international transfers
 - Managing contractor payments
 
+## Known Limitations
+
+- Currently optimized for English language content
+- Best results with clearly structured payment information
+- May require manual correction for complex invoices
+- Transfer speeds depend on Wise processing times
+
+## Future Improvements
+
+- Multi-language support
+- Enhanced OCR accuracy
+- Batch payment processing
+- Custom validation rules
+- Integration with accounting software
+
 <img width="1312" alt="Screenshot 2024-12-21 at 4 39 29 PM" src="https://github.com/user-attachments/assets/2e395762-198f-43e6-9e5a-2974b8e71fcf" />

pipes/auto-pay/src/agents/payment-detector-agent.ts

@@ -378,7 +378,7 @@ export function usePaymentDetector(recognizedItemId: string) {
       setIsProcessing(false);
       abortControllerRef.current = null;
     }
-  }, [recognizedItemId]);
+  }, [recognizedItemId, settings?.openaiApiKey]);
 
   // Cleanup on unmount
   useEffect(() => {

pipes/auto-pay/src/agents/payment-preparer-agent.ts

@@ -7,6 +7,7 @@ import { useCallback, useState, useRef, useEffect } from 'react';
 import { z } from 'zod';
 import type { PaymentInfo } from '@/types/wise';
 import { useSettings } from '@/hooks/use-settings';
+import { useSettingsStore } from '@/lib/settings';
 
 // Zod schemas for Wise transfer data
 const transferDetailsSchema = z.object({
@@ -91,8 +92,8 @@ export async function runPaymentPreparer(
   try {
     // Clear any existing steps for this item
     useAgentStepsStore.getState().clearSteps(recognizedItemId);
-    const apiKey = useSettings().settings?.openaiApiKey;
-    const openai = createOpenAI({ apiKey });
+    const apiKey = useSettingsStore.getState().openaiApiKey;  
+    const openai = createOpenAI({ apiKey: apiKey || undefined });
 
     // Check if already aborted
     if (signal?.aborted) {