{
  "markdown": "# @pay-skill/mcp\n\nMCP server for [Pay](https://pay-skill.com) -- the complete x402 payment stack for AI agents. USDC on Base.\n\nGives any MCP-compatible client (Claude Desktop, Cursor, VS Code, custom frameworks) the full power of Pay: direct payments, tabs, x402 paywalls, service discovery, and wallet management. No CLI binary needed.\n\n## Setup\n\n### Claude Desktop\n\nAdd to `claude_desktop_config.json`:\n\n```json\n{\n  \"mcpServers\": {\n    \"pay\": {\n      \"command\": \"npx\",\n      \"args\": [\"-y\", \"@pay-skill/mcp\"]\n    }\n  }\n}\n```\n\n### VS Code / Cursor\n\nAdd to `.vscode/mcp.json`:\n\n```json\n{\n  \"servers\": {\n    \"pay\": {\n      \"command\": \"npx\",\n      \"args\": [\"-y\", \"@pay-skill/mcp\"]\n    }\n  }\n}\n```\n\n### Claude Code\n\n```bash\nclaude mcp add pay -- npx -y @pay-skill/mcp\n```\n\nThat's it. On first run, the server generates a wallet and stores it in the OS keychain (Windows Hello, macOS Keychain, Linux Secret Service). Subsequent runs load it automatically.\n\n## Configuration\n\n| Env Var | Required | Default | Description |\n|---------|----------|---------|-------------|\n| `PAYSKILL_SIGNER_KEY` | No | — | Optional override. Raw hex key or `.enc` keystore password. Not needed for normal use. |\n| `PAY_NETWORK` | No | `mainnet` | `mainnet` (Base) or `testnet` (Base Sepolia) |\n\n### Key Resolution (checked in order)\n\n1. **OS keychain** (default) — Loads from the OS credential store via `keytar`. On first run, a new keypair is generated and stored automatically.\n2. **Encrypted keystore** — If `~/.pay/keys/default.enc` exists, `PAYSKILL_SIGNER_KEY` is used as the decryption password.\n3. **Raw hex key** — If `PAYSKILL_SIGNER_KEY` is a 64-char hex string, it's used directly. For dev/testing or importing an existing wallet.\n4. **Auto-generate** — If none of the above, generates a new keypair and stores it in the OS keychain.\n\n## Diagnostic Check\n\nVerify everything is configured correctly:\n\n```bash\nnpx @pay-skill/mcp --check\n```\n\nOutput:\n```\npay-mcp diagnostic check\n  network: Base (chain 8453)\n  api:     https://pay-skill.com/api/v1\n  wallet:  0x1234...\n  key:     keychain\n  server:  OK (router: 0xABCD...)\n  auth:    OK (balance: $50.00)\n\nAll checks passed. MCP server is ready.\n```\n\n## Tools (15)\n\n### Payments\n| Tool | Description |\n|------|-------------|\n| `pay_send` | Direct USDC payment ($1 min). Confirmation thresholds: <$10 auto, $10-100 plan, >$100 explicit. |\n| `pay_request` | HTTP request with x402 auto-payment. Handles 402 detection, direct/tab settlement, price skepticism. |\n\n### Tabs (metered accounts)\n| Tool | Description |\n|------|-------------|\n| `pay_tab_open` | Open pre-funded tab ($5 min, $50 recommended). Provider charges per-call. |\n| `pay_tab_close` | Close tab. Returns distribution breakdown (provider 99%, fee 1%, agent remainder). |\n| `pay_tab_charge` | Charge against open tab (provider only). |\n| `pay_tab_topup` | Add funds to open tab (agent only). |\n| `pay_tab_list` | List tabs with idle/low-balance flags. |\n\n### Wallet\n| Tool | Description |\n|------|-------------|\n| `pay_status` | Balance, locked/available funds, actionable suggestions. |\n| `pay_fund` | Generate 1-hour funding link (Coinbase Onramp or direct USDC). |\n| `pay_withdraw` | Generate 1-hour withdrawal link. |\n| `pay_mint` | Mint testnet USDC (Base Sepolia only). |\n\n### Discovery & Webhooks\n| Tool | Description |\n|------|-------------|\n| `pay_discover` | Search paid API services by keyword/category. |\n| `pay_webhook_register` | Register webhook for payment events (HMAC-signed). |\n| `pay_webhook_list` | List registered webhooks. |\n| `pay_webhook_delete` | Delete a webhook. |\n\n## Resources (5)\n\n| URI | Description |\n|-----|-------------|\n| `pay://wallet/status` | Balance, tabs, locked/available |\n| `pay://wallet/tabs` | All open tabs |\n| `pay://tab/{tab_id}` | Single tab detail |\n| `pay://wallet/address` | Wallet address |\n| `pay://network` | Network config + contract addresses |\n\n## Prompts (3)\n\n| Prompt | Description |\n|--------|-------------|\n| `pay-for-service` | Guided: discover service, evaluate pricing, make request |\n| `review-tabs` | Review tabs, flag idle, suggest close/topup |\n| `fund-wallet` | Generate fund link, explain deposit process |\n\n## Development\n\n```bash\ngit clone https://github.com/pay-skill/pay-mcp.git\ncd pay-mcp\nnpm install\nnpm run build\nnpm test                    # unit tests (mocked)\nnpm run test:acceptance     # testnet (requires PAYSKILL_TESTNET_KEY)\n```\n\n## License\n\nMIT\n\n## Part of Pay\n\nPay is the complete x402 payment stack -- gateway, facilitator, SDKs, CLI, and MCP server -- that lets AI agents pay for APIs with USDC on Base.\n\n- [Documentation](https://pay-skill.com/docs/)\n- [Architecture](https://pay-skill.com/docs/architecture)\n- [SDK](https://github.com/pay-skill/pay-sdk) -- Python + TypeScript\n- [CLI](https://github.com/pay-skill/pay-cli) -- Command-line tool\n- [pay-gate](https://github.com/pay-skill/gate) -- x402 payment gateway\n- [Protocol](https://github.com/pay-skill/pay-protocol) -- Smart contracts\n",
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