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Track: security. Skill: Recipient guard (recipient-guard), in the Payments Mind template. Tool: near_view_account. Before paying, the Mind looks up the recipient on NEAR testnet (view_account: exists, balance, storage, isContract, codeHash). If the account is a smart contract, it warns: it is a contract, not a person’s wallet, and NEAR sent to it by a plain transfer may be stuck or do nothing. It pays only if the owner confirms that is what they want.

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Try it

With a Payments Mind: “Pay 0.001 NEAR to hellonear-registry.testnet.” See: a warning that it is a smart contract, and a question. No approval card.

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Other checks in the same skill

Recipient guard answers allow, warn or block with the reason: where the account came from, that it exists, lookalikes of people the owner already pays, first payments, and contracts. A first payment to a real account that is not a contact, contract or lookalike is allowed, and the Mind says it is the first payment to it. These checks are advice from the model. The hard stops are the owner’s approval and the wallet policy. See Wallet, limits and approvals.