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