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USDC wallet + x402 payment signing as an MCP server for AI agents","maintainers":[{"name":"onchainexpat","email":"onchainexpat@pm.me"}],"readme":"
\n
x402-wallet-mcp
\n
\n A self-custodial USDC wallet that lets AI agents pay for APIs autonomously.\n
\n\n\n
\n \n \n \n
\n\n---\n\nGive [Claude Code](https://docs.anthropic.com/en/docs/claude-code), [Cursor](https://cursor.sh), or any [MCP](https://modelcontextprotocol.io/) client its own wallet. It discovers x402 endpoints, signs USDC payments on Base, and handles the full HTTP 402 negotiation — so your AI agent can call paid APIs without human intervention.\n\n```\nYou: \"Get me the top Hacker News stories from the x402 API\"\nClaude: Using call_endpoint to pay $0.002 USDC...\n ✓ Payment signed (EIP-3009 TransferWithAuthorization)\n ✓ Got 10 stories from https://x402.onchainexpat.com/api/x402-tools/hackernews/top\n```\n\n## Why This Exists\n\nAI agents need to spend money. Today that means hardcoded API keys, credit cards on file, or manual approval for every request. The [x402 protocol](https://github.com/coinbase/x402) fixes this: servers return HTTP 402 with a price, clients sign a USDC payment, and the request goes through. No API keys. No subscriptions. Pay per call.\n\nThis project is the missing piece: an open-source MCP server that gives any AI agent a USDC wallet, spending controls, and the ability to pay for x402 APIs autonomously.\n\n## Features\n\n- **Zero-config wallets** — works out of the box with no API keys or signup required\n- **[Privy](https://www.privy.io/) HSM-backed keys** — keys never leave Privy's HSM/TEE infrastructure\n- **Three wallet modes** — Proxy (zero-config default), Linked (email-recoverable), or Privy direct (BYOK)\n- **Email recovery** — link your wallet to an email, recover it on any device via OTP\n- **Full x402 negotiation** — handles 402 → sign → retry automatically\n- **EVM exact + escrow** — EIP-3009 TransferWithAuthorization and ReceiveWithAuthorization\n- **Endpoint discovery** — fetches `.well-known/x402` documents and searches [x402scan.com](https://x402scan.com)\n- **Spending controls** — per-call maximum and daily cap with automatic enforcement\n- **Transaction history** — append-only log of every payment\n- **Coinbase Onramp** — buy USDC with a debit card or Apple Pay, no crypto experience needed\n- **13 MCP tools** — everything an agent needs to discover, query, pay, and audit\n\n## Quick Start\n\nNo API keys or signup required. Just install and go:\n\n### Claude Code\n\n```bash\nclaude mcp add x402-wallet -- npx x402-wallet-mcp\n```\n\n### Cursor / Windsurf / Claude Desktop\n\nAdd to your MCP config file (`.mcp.json`, `~/.cursor/mcp.json`, or Claude Desktop settings):\n\n```json\n{\n \"mcpServers\": {\n \"x402-wallet\": {\n \"command\": \"npx\",\n \"args\": [\"x402-wallet-mcp\"]\n }\n }\n}\n```\n\nOn first run an HSM-backed wallet is automatically provisioned via the [x402 provisioning service](https://x402.onchainexpat.com). Fund your wallet using the `fund_wallet` tool (generates a Coinbase Onramp link) or send USDC on Base directly to the wallet address.\n\n### Link Your Wallet to Email (Recommended)\n\nAfter setup, use `wallet_link` to connect your wallet to an email address. This enables recovery on any device:\n\n```\nYou: \"Link my wallet to my@email.com\"\nClaude: Verification code sent! Enter the 6-digit code from your email.\nYou: \"123456\"\nClaude: ✓ Wallet linked to my@email.com. You can recover this wallet on any device.\n```\n\n### Recover on Another Device\n\n```\nYou: \"Recover my wallet using my@email.com\"\nClaude: ✓ Wallet recovered — same address, same balance.\n```\n\nIf you have multiple wallets linked to the same email, you'll be shown each wallet's address and USDC balance so you can choose which one to load.\n\n### Your Keys Are Always Yours\n\nNo private key is ever stored on your machine. All keys live in [Privy's](https://www.privy.io/) HSM/TEE secure enclaves — hardware security modules that never expose raw key material.\n\nOnce you link your email with `wallet_link`, you can:\n\n- **Export your private key** at [home.privy.io](https://home.privy.io) — log in with your email, verify via OTP, and click \"Export keys\"\n- **Recover your wallet** on any device using `wallet_recover` with the same email\n- **Access your funds** even if this package, the x402 provisioning service, or our website disappears entirely\n\nThis works for all wallet modes (proxy, linked, and BYOK). You do not need your own Privy credentials — the default setup is fully recoverable and exportable after linking your email.\n\n### Power Users: Bring Your Own Privy Credentials\n\nFor full control, sign up for a [Privy](https://www.privy.io/) account and pass your own credentials. This bypasses the proxy and talks directly to Privy:\n\n```bash\nclaude mcp add x402-wallet \\\n -e PRIVY_APP_ID=your-app-id \\\n -e PRIVY_APP_SECRET=your-app-secret \\\n -- npx x402-wallet-mcp\n```\n\n## How It Works\n\n```\n┌──────────────┐ 1. POST /api/data ┌──────────────┐\n│ │ ──────────────────────────────→ │ │\n│ AI Agent │ 2. 402 + price: $0.002 │ x402 Server │\n│ (via MCP) │ ←────────────────────────────── │ │\n│ │ 3. POST + X-PAYMENT header │ │\n│ │ ──────────────────────────────→ │ │\n│ │ 4. 200 + data │ │\n│ │ ←────────────────────────────── │ │\n└──────────────┘ └──────────────┘\n │ │\n │ sign EIP-3009 │ verify signature\n │ TransferWithAuthorization │ settle USDC on Base\n ▼ ▼\n┌──────────────┐ ┌──────────────┐\n│ x402-wallet │ │ USDC on │\n│ (Privy HSM) │ │ Base │\n└──────────────┘ └──────────────┘\n```\n\n1. The agent calls `call_endpoint` with a URL\n2. The server returns HTTP 402 with payment requirements (`accepts` array)\n3. x402-wallet-mcp picks the best payment option, checks spending limits, signs an EIP-3009 authorization\n4. Retries the request with the signed payment in the `X-PAYMENT` header\n5. Returns the API response to the agent and logs the transaction\n\n## MCP Tools\n\nThe server exposes 13 tools that any MCP client can call:\n\n| Tool | Description | Key Parameters |\n|------|-------------|----------------|\n| `call_endpoint` | **Make a paid API call** (handles full 402 flow) | `url`, `method?`, `body?`, `headers?`, `prefer_escrow?` |\n| `query_endpoint` | Probe pricing without paying | `url`, `method?` |\n| `discover_endpoints` | Search for available x402 APIs | `query?`, `source?` |\n| `check_balance` | USDC balance on Base + deposit address | — |\n| `wallet_info` | Wallet mode, addresses, recovery status | — |\n| `fund_wallet` | Buy USDC via Coinbase Onramp (debit card / Apple Pay) | `amount?` |\n| `transaction_history` | Recent payment log | `limit?` |\n| `configure_spending` | Set per-call max and daily cap | `per_call_max?`, `daily_cap?` |\n| `add_endpoint_source` | Register a `.well-known/x402` source | `base_url?`, `endpoint_url?` |\n| `manage_allowlist` | Add/remove merchant allowlist entries | `allow?`, `remove?`, `mode?` |\n| `wallet_link` | Link wallet to email for recovery | `email?`, `session_token?`, `code?` |\n| `wallet_recover` | Recover a linked wallet on any device | `email?`, `session_token?`, `code?`, `wallet_id?` |\n| `export_key` | Instructions for exporting private key via Privy | — |\n\n### Example: Paid API Call\n\nWhen an agent calls `call_endpoint`:\n\n```json\n{\n \"url\": \"https://x402.onchainexpat.com/api/x402-tools/hackernews/top\",\n \"method\": \"POST\",\n \"body\": \"{\\\"num_stories\\\": 5}\"\n}\n```\n\nThe tool returns:\n\n```json\n{\n \"success\": true,\n \"status\": 200,\n \"amountPaid\": \"$0.01\",\n \"scheme\": \"exact\",\n \"network\": \"eip155:8453\",\n \"data\": {\n \"stories\": [\"...\"]\n }\n}\n```\n\n## Spending Controls\n\nBuilt-in safeguards prevent runaway spending:\n\n| Control | Default | Override Env Var |\n|---------|---------|------------------|\n| Per-call maximum | $5.00 USDC | `X402_PER_CALL_MAX` |\n| Daily cap | $50.00 USDC | `X402_DAILY_CAP` |\n\nThe daily cap resets at midnight UTC. Both limits can also be changed at runtime using the `configure_spending` tool.\n\nIf a payment would exceed either limit, the tool returns an error explaining why — the agent can then ask the user for approval or skip the call.\n\n## Payment Schemes\n\n### Exact (EIP-3009 TransferWithAuthorization)\n\nThe default and most common scheme. Signs a one-time USDC transfer authorization:\n\n- **Domain**: USDC contract on Base (`0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913`)\n- **Type**: `TransferWithAuthorization(from, to, value, validAfter, validBefore, nonce)`\n- **Expiry**: Configurable via `maxTimeoutSeconds` (default 60s)\n- **Nonce**: Random 32 bytes (one-time use)\n\n### Escrow (EIP-3009 ReceiveWithAuthorization)\n\nFor endpoints that use the [x402r escrow middleware](https://github.com/coinbase/x402). Funds are held in escrow and settled after the API response:\n\n- **Type**: `ReceiveWithAuthorization(from, to, value, validAfter, validBefore, nonce)`\n- **to**: Token collector contract (not the final recipient)\n- **Nonce**: Deterministic — computed from `keccak256(chainId, escrowAddress, paymentInfoHash)`\n- **Expiry**: `validAfter=0`, `validBefore=MAX_UINT48`\n\nThe tool auto-detects which scheme to use based on the server's `accepts` array. By default it prefers exact; pass `prefer_escrow: true` to prefer escrow when both are available.\n\n## Configuration\n\n### Environment Variables\n\n| Variable | Purpose | Required |\n|----------|---------|----------|\n| `PRIVY_APP_ID` | Privy application ID (enables direct Privy mode) | No |\n| `PRIVY_APP_SECRET` | Privy application secret | No |\n| `X402_PROXY_URL` | Custom proxy URL (default: `https://x402.onchainexpat.com/api/wallet`) | No |\n| `X402_PER_CALL_MAX` | Max USDC per API call (e.g. `\"10.00\"`) | No |\n| `X402_DAILY_CAP` | Max USDC per day (e.g. `\"100.00\"`) | No |\n| `X402_RPC_URL` | Custom Base RPC endpoint | No |\n| `X402_SKIP_LINKING` | Skip email link prompt on first run | No |\n\n**No environment variables are required.** The wallet works zero-config out of the box, including Coinbase Onramp for buying USDC.\n\n**Wallet mode priority:** If `PRIVY_APP_ID` and `PRIVY_APP_SECRET` are set, the wallet connects directly to Privy. Otherwise, it uses the hosted proxy for zero-config operation.\n\n### Data Directory\n\nAll persistent data is stored in `~/.x402-wallet/`:\n\n```\n~/.x402-wallet/\n├── config.json # Settings, wallet ID, endpoint sources\n├── history.jsonl # Transaction log (append-only)\n├── spending.json # Daily spending tracker\n└── endpoints-cache.json # Discovery cache (1hr TTL)\n```\n\n### Default Configuration\n\n```json\n{\n \"version\": 2,\n \"wallet\": { \"mode\": \"proxy\" },\n \"spending\": { \"perCallMaxUsdc\": \"5.00\", \"dailyCapUsdc\": \"50.00\" },\n \"endpointSources\": [\n \"https://x402.onchainexpat.com\",\n \"https://padelmaps.org\",\n \"https://stableenrich.dev\",\n \"https://stablestudio.dev\",\n \"https://x402.twit.sh\"\n ],\n \"preferences\": { \"preferEscrow\": false, \"preferredNetwork\": \"evm\" }\n}\n```\n\n> **Note:** The default mode is `\"proxy\"` (zero-config). Use `wallet_link` to upgrade to `\"linked\"` mode with email recovery and key export. When `PRIVY_APP_ID` and `PRIVY_APP_SECRET` env vars are set, the wallet automatically switches to `\"privy\"` mode.\n\n## Architecture\n\n```\nx402-wallet-mcp/\n├── bin/\n│ └── x402-wallet-mcp.ts # CLI entry point\n├── src/\n│ ├── index.ts # Main: wallet + MCP server + stdio\n│ ├── server.ts # McpServer with 13 tools\n│ ├── wallet/\n│ │ ├── types.ts # WalletProvider interface\n│ │ ├── factory.ts # Wallet creation (proxy/linked/privy)\n│ │ ├── proxy-wallet.ts # Zero-config wallet via hosted proxy\n│ │ ├── proxy-api.ts # REST client for proxy service\n│ │ ├── privy-wallet.ts # Direct Privy server wallets (HSM/TEE)\n│ │ ├── privy-api.ts # REST client for Privy API\n│ │ ├── link-api.ts # Email linking & recovery API client\n│ │ └── null-wallet.ts # Placeholder for unconfigured state\n│ ├── payment/\n│ │ ├── evm-exact.ts # EIP-3009 TransferWithAuthorization\n│ │ ├── evm-escrow.ts # ReceiveWithAuthorization + nonce\n│ │ ├── negotiator.ts # 402 → sign → retry orchestrator\n│ │ ├── types.ts # AcceptEntry, PaymentRequired, etc.\n│ │ └── constants.ts # USDC addresses, chain IDs\n│ ├── discovery/\n│ │ ├── well-known.ts # Fetch .well-known/x402\n│ │ ├── x402scan.ts # Query x402scan.com\n│ │ └── registry.ts # Merge + deduplicate + cache\n│ ├── spending/\n│ │ ├── tracker.ts # Per-call + daily cap enforcement\n│ │ ├── allowlist.ts # Merchant allowlist validation\n│ │ └── store.ts # Persist daily spend totals\n│ ├── tools/ # 13 MCP tool implementations\n│ ├── store/\n│ │ ├── config.ts # ~/.x402-wallet/config.json\n│ │ ├── history.ts # Append-only JSONL transaction log\n│ │ └── paths.ts # Cross-platform path resolution\n│ └── utils/\n│ ├── logger.ts # stderr-only (stdout = MCP JSON-RPC)\n│ ├── http.ts # Fetch with timeout + retries\n│ ├── format.ts # USDC atomic ↔ human-readable\n│ ├── deposit-qr.ts # QR code generation for deposits\n│ └── onramp.ts # Coinbase Onramp URL generation\n└── tests/\n ├── unit/ # 127 tests across 16 files\n ├── integration/ # Live endpoint tests (costs real USDC)\n └── e2e/ # Full MCP server over stdio\n```\n\n## Development\n\n### Prerequisites\n\n- Node.js >= 18\n- npm\n\n### Setup\n\n```bash\ngit clone https://github.com/onchainexpat/x402-wallet-mcp.git\ncd x402-wallet-mcp\nnpm install\n```\n\n### Build\n\n```bash\nnpm run build # TypeScript → dist/\nnpm run lint # Type-check without emitting\n```\n\n### Run in Development\n\n```bash\nnpm run dev # Run with tsx (auto-reloads)\n```\n\n### Testing\n\n```bash\n# Unit tests (127 tests, no network calls, no USDC spent)\nnpm test\n\n# Watch mode\nnpm run test:watch\n\n# Integration tests (hits real x402 endpoints, costs real USDC)\n# Requires a funded wallet\nRUN_LIVE_TESTS=1 npm run test:live\n\n# E2E tests (spawns MCP server over stdio, calls all 13 tools)\nRUN_E2E_TESTS=1 npx vitest run tests/e2e\n```\n\nThe unit test suite covers:\n- **Wallet**: Proxy + Privy + Linked API mocking, factory routing, email linking/recovery\n- **Payment**: EIP-3009 exact/escrow signing, escrow nonce determinism, full negotiator flow (402 → sign → retry), edge cases (double-402, empty accepts, spending limits)\n- **Spending**: per-call max, daily cap, midnight reset, env var overrides, merchant allowlist\n- **Discovery**: endpoint merging, deduplication, cache behavior, fetch failure handling\n- **Store**: config defaults/persistence, history append/query, USDC formatting, Coinbase onramp URLs\n\n### Local Testing with an MCP Client\n\n```bash\n# Build and run\nnpm run build\nnode dist/bin/x402-wallet-mcp.js\n\n# Or use npx to test the published package experience\nnpx .\n```\n\nThe server communicates over stdio (JSON-RPC), so you need an MCP client to interact with it. The easiest way is to add it to Claude Code's config and test through the chat.\n\n## Terminology\n\n| Term | Definition |\n|------|------------|\n| **x402** | Protocol for HTTP 402 payments — servers price API calls, clients pay with crypto |\n| **MCP** | [Model Context Protocol](https://modelcontextprotocol.io/) — standard for AI tool servers |\n| **EIP-3009** | Ethereum standard for gasless USDC transfers via signed authorizations |\n| **Base** | Coinbase's L2 network where USDC payments settle |\n| **Exact** | Direct payment scheme — USDC transfers immediately to the server |\n| **Escrow** | Protected payment scheme — funds held in smart contract, settled after API response |\n\n## Security Considerations\n\n> [!IMPORTANT]\n> This software manages real cryptocurrency. Review the [security policy](SECURITY.md) before using in production.\n\n- **No keys on your machine**: Private keys are never stored locally — not in plaintext, not encrypted, not anywhere on disk. All keys live in Privy's HSM/TEE secure enclaves.\n- **Survivable**: If this package, the x402 provisioning service, or our website disappears, go to [home.privy.io](https://home.privy.io), log in with your linked email, and export your private key. Your funds are always accessible.\n- **HSM-backed signing**: Whether using proxy or direct Privy mode, keys never leave Privy's hardware security modules.\n- **Proxy signing validation**: The hosted proxy validates every signing request — only USDC transfers on Base, capped at 100 USDC per transaction.\n- **Spending limits**: Enforced locally before signing. Cannot be bypassed by the AI agent.\n- **No stdout leaks**: All logging goes to stderr. stdout is reserved for MCP JSON-RPC. Private keys never appear in logs.\n- **Email recovery**: OTP-verified, rate-limited, HMAC-derived codes with 10-minute expiry.\n\n## Roadmap\n\n- [ ] Multi-chain support (Ethereum mainnet, Arbitrum, Optimism)\n- [ ] Payment receipts and on-chain verification\n- [ ] Webhook notifications for payments\n- [ ] Rate limiting and circuit breaker patterns\n- [ ] Dashboard UI for spending analytics\n\n## Contributing\n\nContributions are welcome. See [CONTRIBUTING.md](CONTRIBUTING.md) for guidelines.\n\nBefore submitting a PR:\n\n1. Run `npm test` and ensure all 127 tests pass\n2. Run `npm run lint` for type checking\n3. Add tests for new functionality\n4. Keep PRs focused — one feature or fix per PR\n\n## Related Projects\n\n- [x402](https://github.com/coinbase/x402) — The x402 protocol specification by Coinbase\n- [MCP](https://modelcontextprotocol.io/) — Model Context Protocol by Anthropic\n- [viem](https://viem.sh/) — TypeScript library for Ethereum (used for signing)\n- [x402scan.com](https://x402scan.com) — Directory of x402-enabled endpoints\n\n## License\n\n[MIT](LICENSE)\n","readmeFilename":"README.md"}
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