# 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.

- Skill: `dvcrn/agentpay-mcp` (Agent Skill)
- Install (CLI): `npx skillmds@latest add dvcrn/agentpay-mcp`
- Raw SKILL.md: https://api.skillmd.com/api/skills/dvcrn/agentpay-mcp/raw
- Safety review: pending (external: skill-scanner PASS, skillspector PASS)
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: AI & ML
- Author: dvcrn (https://skillmd.com/u/dvcrn)
- Updated: 2026-09-08
- Page: https://skillmd.com/skills/dvcrn/agentpay-mcp

---


# 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

```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