# AgentWallet MCP Server

Permissionless wallet infrastructure for AI agents. Create wallets, sign transactions, and broadcast on-chain — on any EVM chain and Solana. Up to 50% less expensive than Coinbase. Built-in guards. No KYC. The only AI agent wallet that accepts crypto for its own API fees.

**No KYC. No KYT. No approval process. No transaction monitoring. No one can block your wallet. Pay with USDC on-chain — no credit card required.**

<p align="center">
  <img src="assets/demo.svg" alt="AgentWallet demo — AI agent pays x402 invoice automatically" width="800">
</p>

## Features

- **29 MCP tools** — create wallets, send transactions, approve tokens, wrap ETH, transfer SPL tokens, pay and accept x402 payments, and more
- **EVM + Solana** — Ethereum, Base, Polygon, BSC, Arbitrum, Optimism, Avalanche, Zora, PulseChain, Solana, and any other EVM-compatible chain
- **SOL + SPL tokens** — native SOL transfers and SPL token transfers (USDC, USDT, etc.) with automatic account creation
- **Built-in guards** — daily spending limits, gas price protection, emergency pause, rate limiting, replay protection, and on-chain verification — all active by default
- **x402 payments** — pay for x402-enabled APIs automatically, or accept x402 payments on your own endpoints (EVM and Solana)
- **Secure** — Private keys encrypted at rest, decrypted only during signing, zeroed from memory immediately after
- **Permissionless** — No KYC. No KYT. No identity verification. No approval process. No compliance gatekeeping. Sign up, get an API key, and start transacting immediately.
- **30-second setup** — three lines of config. No SDK to install. No dependencies to manage.

## Pricing

- **$0.00345 per operation** (31% less expensive than Coinbase CDP)
- **6,000 free operations/month**
- **$0.0005 per x402 verification** (50% less expensive than Coinbase)
- **1,000 free x402 verifications/month**
- **Pay with USDC on-chain** via x402 — no credit card required
- No monthly fee, no tiers — just pay as you go

## Quick Start

Get your free API key at [hifriendbot.com/wallet](https://hifriendbot.com/wallet) — no credit card required, no KYC, no approval wait.

### Claude Desktop / OpenClaw

Add to your config:

```json
{
  "mcpServers": {
    "agentwallet": {
      "command": "npx",
      "args": ["-y", "agentwallet-mcp"],
      "env": {
        "AGENTWALLET_USER": "your_username",
        "AGENTWALLET_PASS": "your_api_key",
        "AGENTWALLET_WALLET_ID": "1"
      }
    }
  }
}
```

> `AGENTWALLET_WALLET_ID` is optional. Set it to enable x402 auto-pay: when you exceed the free tier without a credit card, the MCP server automatically pays for operations with USDC from this wallet.
>
> **Auto-pay safety cap.** `AGENTWALLET_MAX_AUTOPAY` (optional, default `1`) is the maximum amount, in human-readable units of the asset, that x402 auto-pay will authorize for a single payment. Any 402 requirement above this cap is rejected instead of paid, so a malformed or tampered payment requirement cannot drain the wallet. Raise it only if you genuinely need larger automatic payments (for example `"5"` to allow up to 5 USDC per call).

### Claude Code

```bash
claude mcp add agentwallet \
  -e AGENTWALLET_USER=your_username \
  -e AGENTWALLET_PASS=your_api_key \
  -e AGENTWALLET_WALLET_ID=1 \
  -- npx -y agentwallet-mcp
```

### VS Code

Add to your settings:

```json
{
  "mcp": {
    "servers": {
      "agentwallet": {
        "command": "npx",
        "args": ["-y", "agentwallet-mcp"],
        "env": {
          "AGENTWALLET_USER": "your_username",
          "AGENTWALLET_PASS": "your_api_key",
          "AGENTWALLET_WALLET_ID": "1"
        }
      }
    }
  }
}
```

## Tools

| Tool | Description |
|------|-------------|
| `create_wallet` | Create a new EVM or Solana wallet |
| `list_wallets` | List all your wallets |
| `get_wallet` | Get wallet details by ID |
| `get_balance` | Check native token balance on any chain |
| `get_token_balance` | Check ERC-20 or SPL token balance |
| `get_token_info` | Get ERC-20 token name, symbol, and decimals |
| `transfer` | Send native tokens (ETH, SOL, POL, BNB, etc.) |
| `transfer_token` | Send ERC-20 or SPL tokens (USDC, USDT, etc.) |
| `send_transaction` | Sign and broadcast a raw transaction |
| `sign_transaction` | Sign a transaction without broadcasting |
| `call_contract` | Read-only contract call (eth_call) |
| `approve_token` | Approve ERC-20 token spending for DeFi |
| `get_allowance` | Check ERC-20 token allowance |
| `wrap_eth` | Wrap native tokens to WETH/WAVAX/etc. |
| `unwrap_eth` | Unwrap WETH back to native tokens |
| `pay_x402` | Pay x402 invoices automatically (fetch, pay, retry) |
| `create_paywall` | Create an x402 paywall to charge for a resource |
| `list_paywalls` | List all your x402 paywalls |
| `get_paywall` | Get paywall details by ID |
| `update_paywall` | Update paywall pricing, resource, or status |
| `delete_paywall` | Delete a paywall |
| `get_paywall_payments` | View payment history for a paywall |
| `get_x402_revenue` | Aggregate revenue stats across all paywalls |
| `buy_verification_credits` | Buy x402 verification credits with USDC on-chain |
| `get_usage` | Check your monthly usage and billing |
| `get_chains` | List all supported chains |
| `pause_wallet` | Emergency pause a wallet |
| `unpause_wallet` | Resume a paused wallet |
| `delete_wallet` | Delete a wallet |

## Supported Chains

| Chain | ID | Native Token | Stablecoin |
|-------|-----|-------------|------------|
| Ethereum | 1 | ETH | USDC |
| Base | 8453 | ETH | USDC |
| Polygon | 137 | POL | USDC |
| BSC | 56 | BNB | USDT |
| Arbitrum | 42161 | ETH | USDC |
| Optimism | 10 | ETH | USDC |
| Avalanche | 43114 | AVAX | USDC |
| Zora | 7777777 | ETH | USDC |
| PulseChain | 369 | PLS | USDC |
| Solana | 900 | SOL | USDC |
| Solana Devnet | 901 | SOL | USDC |

## Use Case: GuessMarket

Pair with [guessmarket-mcp](https://www.npmjs.com/package/guessmarket-mcp) to let your AI agent trade prediction markets:

1. Create a wallet on Base
2. Approve USDC spending
3. Buy YES/NO shares on prediction markets
4. Provide liquidity and earn trading fees
5. Claim winnings

All on-chain. All through MCP. No frontend needed.

## x402 Payments

AgentWallet natively supports the [x402 open payment standard](https://x402.org). When your Ai agent encounters an API that returns HTTP 402 Payment Required, the `pay_x402` tool handles the entire flow automatically:

1. Fetches the URL and detects the 402 response
2. Parses the payment requirements (amount, token, chain)
3. Executes the on-chain payment from your wallet
4. Retries the request with proof of payment
5. Returns the final response

**Set `max_payment` to control spending:**

```
pay_x402(
  url="https://api.example.com/premium-data",
  wallet_id=1,
  max_payment="1.00"
)
```

`max_payment` is enforced as a hard per-payment cap. If you omit it, `pay_x402` falls back to `AGENTWALLET_MAX_AUTOPAY` (default `1`), the same cap the auto-pay path uses, so a malicious or compromised 402 endpoint can never authorize an unbounded payment. Set `max_payment` explicitly (or raise `AGENTWALLET_MAX_AUTOPAY`) to allow a larger single payment.

Supports ERC-20 tokens, SPL tokens, and native tokens on EVM and Solana. Compatible with x402 V1 and V2 (CAIP-2 chain identifiers), and reads the token address from the standard x402 `asset` field (falling back to `extra.token`).

## x402 Acceptance

AgentWallet also lets you **accept** x402 payments. Create a paywall, point it at any resource, and get a public URL that charges agents automatically:

```
create_paywall(
  wallet_id=1,
  name="Premium API",
  amount="0.01",
  token_name="USDC",
  token_address="0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
  chain_id=8453,
  resource_url="https://your-api.com/data"
)
```

When an agent hits the paywall URL:
1. Gets back HTTP 402 with payment requirements
2. Pays on-chain using `pay_x402` (or any x402-compatible client)
3. Retries with proof of payment
4. Receives the protected content

On-chain verification ensures every payment is real. Replay protection prevents double-spending. Revenue tracking shows you who paid, how much, and when. 1,000 free verifications/month, then $0.0005 each — 50% less expensive than Coinbase.

## How We Compare

| Feature | Coinbase CDP | AgentWallet |
|---------|-------------|-------------|
| Setup Time | Install SDK + configure | **3 lines of config** |
| Approval Process | Identity verification required | **None — instant access** |
| KYC Required | Yes | **No** |
| KYT / Transaction Monitoring | Yes | **No** |
| Can Block Your Wallet | Yes | **No** |
| Built-in Guards | Yes (requires setup) | **Yes (active by default)** |
| Free Operations / Month | 5,000 | **6,000** |
| Cost Per Operation | $0.005 | **$0.00345** |
| x402 Verification Cost | $0.001 | **$0.0005** |
| Free x402 Verifications / Month | 1,000 | **1,000** |
| x402 Acceptance (Paywalls) | No | **Yes** |
| Pay for API Fees with Crypto | No (credit card only) | **Yes (USDC via x402)** |
| Supported Chains | 8 EVM + Solana | **Any EVM + Solana** |
| Token Tools | Yes | **ERC-20 + SPL (29 tools)** |
| MCP Server | Yes | **Yes** |

## Pay with Crypto — No Credit Card Required

AgentWallet is the only AI agent wallet infrastructure that accepts crypto for its own API fees. Every competitor — Coinbase CDP, Circle, MoonPay, Crossmint, Turnkey — requires a credit card or monthly invoice. With AgentWallet, your agent can pay for operations with USDC on-chain via the x402 protocol. No credit card, no invoice, no billing portal. Just on-chain payments.

When your agent exceeds the free tier (6,000 ops/month) without a credit card configured, the API returns HTTP 402 with USDC payment instructions. Your agent pays on-chain, retries with proof of payment, and the operation executes. Fully automated via the MCP server.

You can also pre-purchase x402 verification credits with USDC using the `buy_verification_credits` tool — keeping your paywalls running beyond the free 1,000 verifications/month without needing a credit card.

## Built-in Guards

All guards are active by default — no configuration required.

- **Encrypted at rest** — private keys encrypted before storage and never leave the server
- **Memory zeroing** — keys wiped from memory immediately after every signing operation
- **Daily spending limits** — set a per-wallet daily cap in USD, enforced automatically on every transaction
- **Gas price protection** — transactions blocked when gas prices spike above safe thresholds
- **Emergency pause** — instantly freeze any wallet or all wallets with one click
- **Rate limiting** — API requests capped per minute to prevent abuse and brute force attacks
- **Replay protection** — every x402 payment verified on-chain with unique transaction tracking
- **On-chain verification** — x402 payments verified directly on the blockchain with finalized commitment
- Bug bounty program: $50–$500 for responsible disclosure ([details](https://hifriendbot.com/wallet))

## Links

- **Website:** [hifriendbot.com/wallet](https://hifriendbot.com/wallet)
- **npm:** [agentwallet-mcp](https://www.npmjs.com/package/agentwallet-mcp)
- **Security:** [security@hifriendbot.com](mailto:security@hifriendbot.com)

## License

MIT