agentic-pay MCP server

Agentic Pay

A cross-platform payment engine that lets third-party AI agents send and receive payments over seven crypto rails: BTC, ETH, USDT, USDC, XRP, XMR, ZEC.

One Node.js core runs unmodified on Linux, Windows, and macOS. The same backend is reachable from iOS and Android via an installable Progressive Web App (PWA) — there is no separate native mobile codebase to maintain.

Architecture

┌───────────────────────────┐
                     │   core/railManager.js     │  <- one call-site for
                     │  (policy + ledger + auth) │     every asset
                     └─────────────┬─────────────┘
                                   │
        ┌───────────┬─────────────┼─────────────┬───────────┬──────────┐
        │            │             │             │           │          │
     rails/btc   rails/eth    rails/xrp     rails/xmr    rails/zec       │
     (bitcoinjs) (ethers.js,  (xrpl.js)   (JSON-RPC to  (JSON-RPC to     │
                  ETH+USDT+                monero-       zcashd)         │
                  USDC ERC20)              wallet-rpc)                   │
                                                                          │
        Agent-facing surfaces (both call railManager, never a rail       │
        adapter directly):                                               │
        ┌────────────────────────┐   ┌───────────────────────────┐      │
        │ server/restApi.js      │   │ server/mcpServer.mjs      │      │
        │ HTTP/JSON, API-key     │   │ MCP stdio server for       │      │
        │ auth, for any HTTP-    │   │ Claude 

Every send, from any surface, passes through core/limits.js (per-agent spend caps + human-confirmation floor) and core/ledger.js (idempotency, so a retried tool call can never double-pay).

Quick start (any OS with Node.js 18+)

git clone <this repo>          # or unzip the delivered archive
cd agentic-pay
npm install

cp config/.env.example .env
cp config/config.example.json config/config.json
# edit both files — see docs/SETUP_<YOUR_OS>.md for exact values per rail

npm run start:rest     # REST API on :8787
npm run start:web      # PWA on :8788 (optional, for mobile/browser access)
npm run start:mcp      # MCP stdio server (for Claude Desktop / Claude Code)
node cli/index.js rails   # sanity check from the terminal

Start on testnets first. Every rail's example config defaults to a testnet or requires you to explicitly fill in mainnet values — this is intentional. Do not point real funds at this system until you've reviewed core/limits.js and set spend caps you're comfortable with.

Hosted (custodial) — skip the setup

Don't want to run your own node? Aumnium operates a hosted instance at https://api.aumnium.tech — deposit USDC, get a spendable custodial balance, and start sending across all seven rails without installing or funding anything yourself.

Shortened. The full README is on GitHub.