AgentPay MCP

Payment layer for AI agents via Model Context Protocol. AgentPay MCP gives your AI agent the ability to make payments, track spending, and manage payment channels -- without leaving the agent runtime.

Works with Claude Desktop, Cursor, Cline, Windsurf, and any MCP-compatible environment.

What It Does

• Make payments: Send USDC on Polygon directly from agent tool calls
• Budget management: Hard spending limits enforced per-session and per-day
• Payment channels: Open Handshake58-style channels for sub-cent micropayments
• CCTP bridge: Cross-chain USDC settlement (Ethereum, Base, Polygon, Arbitrum)
• Non-custodial: Agent holds its own keys -- no third-party custody

Installation

npm install -g agentpay-mcp

Add to your MCP config (~/.config/claude/mcp.json or equivalent):

{
  "mcpServers": {
    "agentpay": {
      "command": "agentpay-mcp",
      "env": {
        "AGENT_PRIVATE_KEY": "0x...",
        "RPC_URL": "https://polygon-rpc.com",
        "MAX_TX_USDC": "25",
        "MAX_DAILY_USDC": "500"
      }
    }
  }
}

Tools Exposed

| Tool | Description | |---|---| | pay | Send USDC to an address (enforces spend limits) | | check_balance | Query agent wallet balance | | get_spending | Current session and daily spend totals | | open_channel | Open a micropayment channel (Handshake58 compatible) | | pay_channel | Issue a signed payment voucher (zero gas) | | close_channel | Settle and reclaim unused channel funds | | bridge_usdc | Cross-chain USDC via CCTP |

Usage Example

In Claude Desktop with AgentPay MCP configured:

"Pay 5 USDC to 0xABC...123 for the API call results"

The agent calls pay(to="0xABC...123", amount=5, token="USDC"). If within limits, it executes immediately. If over limits, it returns a request for human approval.

Environment Variables

| Variable | Required | Description | |---|---|---| | AGENT_PRIVATE_KEY | Yes | Agent's signing key (0x-prefixed) | | RPC_URL | Yes | Polygon JSON-RPC endpoint | | MAX_TX_USDC | No | Per-transaction limit in USDC (default: 25) | | MAX_DAILY_USDC | No | Daily spending limit in USDC (default: 500) |

GitHub

https://github.com/AI-Agent-Economy/agentpay-mcp

License

MIT