diff --git a/.release-please-manifest.json b/.release-please-manifest.json
index 7c57a5df..d3f5c73e 100644
--- a/.release-please-manifest.json
+++ b/.release-please-manifest.json
@@ -1,3 +1,3 @@
 {
-  ".": "0.99.0"
+  ".": "0.100.0"
 }
diff --git a/CHANGELOG.md b/CHANGELOG.md
index 21991d46..18f83bc5 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -1,5 +1,12 @@
 # Changelog
 
+## [0.100.0](https://github.com/kernel/kernel-node-sdk/compare/v0.99.0...v0.100.0) (2026-09-04)
+
+
+### Features
+
+* Fix vault provider errors and remove test card mode ([5f74e21](https://github.com/kernel/kernel-node-sdk/commit/5f74e2163ca7f65f987eeb368ea4d915a71b7fd5))
+
 ## [0.99.0](https://github.com/kernel/kernel-node-sdk/compare/v0.98.0...v0.99.0) (2026-09-04)
 
 
diff --git a/package.json b/package.json
index bda9379c..a27ea1ae 100644
--- a/package.json
+++ b/package.json
@@ -1,6 +1,6 @@
 {
   "name": "@onkernel/sdk",
-  "version": "0.99.0",
+  "version": "0.100.0",
   "description": "The official TypeScript library for the Kernel API",
   "author": "Kernel <>",
   "types": "dist/index.d.ts",
diff --git a/src/resources/vaults/items.ts b/src/resources/vaults/items.ts
index 011cff6a..86aba7c5 100644
--- a/src/resources/vaults/items.ts
+++ b/src/resources/vaults/items.ts
@@ -57,7 +57,9 @@ export class Items extends APIResource {
   /**
    * Retrieve the item first and invoke only an operation listed in
    * `available_operations`, following its natural-language description. Operations
-   * may call an external provider and can return the item's updated state.
+   * may call an external provider and can return the item's updated state. If the
+   * provider rate limits spend-request creation, returns HTTP 429 with code
+   * `spend_request_rate_limited`; stop and back off before retrying.
    */
   performOperation(
     key: string,
@@ -142,14 +144,16 @@ export interface AgentcardCheckoutAuthorization {
 }
 
 /**
- * AgentCard reusable card. Each checkout creates an approval-gated authorization
- * for spec.merchant / spec.amount. The card stays ready after each authorization.
+ * Live payment card. Test-mode card creation is not supported.
  */
 export type CardVaultItemSpec =
   | CardVaultItemSpec.LinkCardVaultItemSpec
   | CardVaultItemSpec.AgentCardCardVaultItemSpec;
 
 export namespace CardVaultItemSpec {
+  /**
+   * Live payment card. Test-mode card creation is not supported.
+   */
   export interface LinkCardVaultItemSpec {
     /**
      * Integer amount in minor currency units.
@@ -173,12 +177,6 @@ export namespace CardVaultItemSpec {
 
     provider: 'link';
 
-    /**
-     * Whether Link should return test credentials instead of a live payment
-     * credential.
-     */
-    test: boolean;
-
     /**
      * Wallet item key used to mint this card.
      */
@@ -243,8 +241,9 @@ export namespace CardVaultItemSpec {
   }
 
   /**
-   * AgentCard reusable card. Each checkout creates an approval-gated authorization
-   * for spec.merchant / spec.amount. The card stays ready after each authorization.
+   * AgentCard reusable live payment card. Test-mode card creation is not supported.
+   * Each checkout creates an approval-gated authorization for spec.merchant /
+   * spec.amount. The card stays ready after each authorization.
    */
   export interface AgentCardCardVaultItemSpec {
     /**
@@ -424,8 +423,7 @@ export namespace VaultItem {
     key: string;
 
     /**
-     * AgentCard reusable card. Each checkout creates an approval-gated authorization
-     * for spec.merchant / spec.amount. The card stays ready after each authorization.
+     * Live payment card. Test-mode card creation is not supported.
      */
     spec: ItemsAPI.CardVaultItemSpec;
 
@@ -672,9 +670,7 @@ export interface ItemUpdateParams {
   id_or_name: string;
 
   /**
-   * Body param: AgentCard reusable card. Each checkout creates an approval-gated
-   * authorization for spec.merchant / spec.amount. The card stays ready after each
-   * authorization.
+   * Body param: Live payment card. Test-mode card creation is not supported.
    */
   spec: CardVaultItemSpec;
 }
@@ -743,9 +739,7 @@ export declare namespace ItemUpsertParams {
     id_or_name: string;
 
     /**
-     * Body param: AgentCard reusable card. Each checkout creates an approval-gated
-     * authorization for spec.merchant / spec.amount. The card stays ready after each
-     * authorization.
+     * Body param: Live payment card. Test-mode card creation is not supported.
      */
     spec: CardVaultItemSpec;
 
diff --git a/src/version.ts b/src/version.ts
index 7b4f2ce4..60f44554 100644
--- a/src/version.ts
+++ b/src/version.ts
@@ -1 +1 @@
-export const VERSION = '0.99.0'; // x-release-please-version
+export const VERSION = '0.100.0'; // x-release-please-version
diff --git a/tests/api-resources/vaults/items.test.ts b/tests/api-resources/vaults/items.test.ts
index b5ee0ded..4edda3e1 100644
--- a/tests/api-resources/vaults/items.test.ts
+++ b/tests/api-resources/vaults/items.test.ts
@@ -42,7 +42,6 @@ describe('resource items', () => {
         merchant_url: 'https://example.com',
         payment_method_id: 'x',
         provider: 'link',
-        test: true,
         wallet: 'wallet',
       },
     });
@@ -68,7 +67,6 @@ describe('resource items', () => {
         merchant_url: 'https://example.com',
         payment_method_id: 'x',
         provider: 'link',
-        test: true,
         wallet: 'wallet',
         expires_at: 0,
         line_items: [