Pay Gate MCP server

@powforge/mcp-pay-gate

Drop-in Express middleware for MCP servers. Accepts L402 Lightning (legacy clients) and x402 bip122/exact (forward-compat clients) with a real 10-step verifier behind both rails. One LNBits backend serves both. v0.2.0 ships full x402 verification (BOLT11 decode, replay protection, LNBits paid-check) — no stubs.

Why dual-rail

The pay-per-call MCP space is converging. Coinbase's x402 spec has an open PR (coinbase/x402 #2258) adding bip122/exact, which moves Bitcoin Lightning settlement inside x402. That means the rail choice for paid MCP endpoints collapses into a wallet-capability decision over the next 30 to 60 days.

If you ship today and pick one rail, half your future clients break. If you ship two services, you carry double the operational surface for the same revenue.

This middleware is the third option. It advertises both rails in the 402 challenge, accepts whichever the caller sends, and settles both into the same LNBits Lightning wallet. Existing L402 clients keep working. New x402 clients also work. You ship once.

Status

As of v0.2.0 both rails are live.

• L402 rail: verification forwards to ${POWGATEURL}/v1/verify by default. Production verify via @powforge/mcp-l402-gate in-process is recommended for full fidelity (this package does not duplicate the macaroon mint or HMAC code).
• x402 rail: full 10-step bip122/exact verifier per the x402-foundation/x402 PR #1311 spec, cross-checked against the Python reference impl in PR #1873. Mints a real BOLT11 invoice via the configured LNBits backend, decodes it with light-bolt11-decoder, validates scheme / network / asset / payTo / paymentMethod / invoice consistency / expiry / exact msat amount, short-circuits replays via an in-memory settlement cache, and confirms payment via LNBits paid-check. On success, returns a base64 SettlementResponse in the PAYMENT-RESPONSE header. 29 tests passing (12 middleware + 17 verifier-unit).

Deferred to v0.3.0: in-flight HTLC detection, BOLT12 offers, multi-instance settlement cache (Redis backend).

If you need an L402-only gate today, @powforge/mcp-l402-gate is the focused product — full L402 verify, replay protection, DoI score gating. This package is the dual-rail option for operators serving both legacy L402 and forward-compat x402 clients from one LNBits wallet.

Requirements

• Node >= 18
• An LNBits wallet (URL + invoice/read API key) for actual settlement
• A reachable POWGATEURL if you use the default L402 verify forwarder

Five-line integration (Express)

const express = require('express');
const { mcpPayGateMiddleware } = require('@powforge/mcp-pay-gate');

const app = express();
app.use('/tools/expensive', mcpPayGateMiddleware({
  satsAmount: 10,
}));

app.post('/tools/expensive', (req, res) => {
  // Reached only when the caller settled via L402 or x402.
  res.json({ ok: true, rail: req.payAuth.rail });
});

Behavior

Shortened. The full README is on GitHub.