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