AgentPay MCP

MCP server that gives AI agents the ability to make payments, manage budgets, and handle billing -- directly from Claude Desktop, Cursor, Cline, or any MCP-compatible agent runtime.

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

bash

npm install -g agentpay-mcp

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

json

{
  "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