agent-wallet

Self-custodial Lightning wallet for AI agents, built by MoneyDevKit. One command to init. All output is JSON.

Source: @moneydevkit/agent-wallet on npm · GitHub

Security & Transparency

This skill runs @moneydevkit/agent-wallet — an npm package published by MoneyDevKit. What it does:

• Generates and stores a BIP39 mnemonic at ~/.mdk-wallet/config.json — this IS your private key. Treat it like a password.
• Runs a local daemon on localhost:3456 — HTTP server for wallet operations. Binds to localhost only (not externally accessible).
• Connects outbound to MDK's Lightning infrastructure.
• Persists payment history to ~/.mdk-wallet/.

No data is sent to external servers beyond standard Lightning protocol operations. You can verify this by inspecting the source code or the published npm tarball.

Recommended: Pin a version (npx @moneydevkit/agent-wallet@0.11.0) in production.

Quick Start

# Initialize wallet (generates mnemonic)
npx @moneydevkit/agent-wallet init

# Get balance
npx @moneydevkit/agent-wallet balance

# Create invoice
npx @moneydevkit/agent-wallet receive 1000

# Pay someone
npx @moneydevkit/agent-wallet send user@getalby.com 500

How It Works

The CLI automatically starts a daemon on first command. The daemon:

• Runs a local HTTP server on localhost:3456
• Connects to MDK's Lightning infrastructure
• Polls for incoming payments every 30 seconds
• Persists payment history to ~/.mdk-wallet/

No webhook endpoint needed — the daemon handles everything locally.

Setup

First-time initialization

npx @moneydevkit/agent-wallet init

This command:

1. Generates a BIP39 mnemonic — 12-word seed phrase that IS your wallet
2. Creates config at ~/.mdk-wallet/config.json
3. Derives a walletId — deterministic 8-char hex ID from your mnemonic
4. Starts the daemon — local Lightning node on port 3456

The wallet is ready immediately. No API keys, no signup, no accounts. The agent holds its own keys.

View existing config

npx @moneydevkit/agent-wallet init --show

Returns { "mnemonic": "...", "network": "mainnet", "walletId": "..." }.

Note: init will refuse to overwrite an existing wallet. To reinitialize:

npx @moneydevkit/agent-wallet stop
rm -rf ~/.mdk-wallet  # WARNING: backup mnemonic first!
npx @moneydevkit/agent-wallet init

Commands

All commands return JSON on stdout. Exit 0 on success, 1 on error.

Command	Description
init	Generate mnemonic, create config
init --show	Show config (mnemonic redacted)
start	Start the daemon
balance	Get balance in sats
receive <amount>	Generate invoice
receive	Generate variable-amount invoice
receive <amount> --description "..."	Invoice with custom description
receive-bolt12	Generate a BOLT12 offer (variable amount, reusable)
send <destination> [amount]	Pay bolt11, bolt12, lnurl, or lightning address
payments	List payment history
status	Check if daemon is running
stop	Stop the daemon
restart	Restart the daemon

Balance

npx @moneydevkit/agent-wallet balance

→ { "balance_sats": 3825 }

Receive (generate invoice)

# Fixed amount
npx @moneydevkit/agent-wallet receive 1000

# Variable amount (payer chooses)
npx @moneydevkit/agent-wallet receive

# With description
npx @moneydevkit/agent-wallet receive 1000 --description "payment for service"

→ { "invoice": "lnbc...", "payment_hash": "...", "expires_at": "..." }

Receive BOLT12 Offer

npx @moneydevkit/agent-wallet receive-bolt12

→ { "offer": "lno1..." }

BOLT12 offers are reusable and don't expire — share one offer and receive unlimited payments to it. Unlike BOLT11 invoices, the payer chooses the amount.

Send

npx @moneydevkit/agent-wallet send <destination> [amount_sats]

Destination auto-detection:

• bolt11 invoice: lnbc10n1... (amount encoded, no arg needed)
• bolt12 offer: lno1...
• lightning address: user@example.com
• LNURL: lnurl1...

For lightning addresses and LNURL, amount is required:

npx @moneydevkit/agent-wallet send user@getalby.com 500

Payment History

npx @moneydevkit/agent-wallet payments

→ { "payments": [{ "paymentHash": "...", "amountSats": 1000, "direction": "inbound"|"outbound", "timestamp": ..., "destination": "..." }] }

Upgrading

# Stop the running daemon
npx @moneydevkit/agent-wallet stop

# Run with @latest to pull the newest version
npx @moneydevkit/agent-wallet@latest start

Your wallet config and payment history in ~/.mdk-wallet/ are preserved across upgrades.

Usage Notes

• Denomination: use ₿ prefix with sats (e.g. ₿1,000 not "1,000 sats")
• Self-custodial: the mnemonic IS the wallet. Back it up. Lose it, lose funds.
• Daemon: runs a local Lightning node on :3456. Auto-starts, persists to disk.
• Agent-to-agent payments: any agent with this wallet can pay any other agent's invoice or lightning address.

What's Next?

Want to accept payments from customers? Use the moneydevkit skill to add checkouts to any website. Agent-wallet handles agent-to-agent payments; moneydevkit handles customer-to-agent payments. Together they give your agent full payment superpowers.