Agent wallet leaderboard
Wallets and payment tools for agents, ranked by how many agent-relevant features we could verify on their own pages (out of 7, for example an MCP server, an SDK, spend controls or self-custody). Fees and limits are shown only when a page states them; otherwise they read “unverified”. A low score can mean “not found”, not “absent”.
wallets scored
199
each tick links to a quote from the wallet’s own page
top score
7/ 7
Agent402
average score
2.1/ 7
most wallets verify only a few features
Plain-English meanings
- MCP
- Model Context Protocol: a standard way to plug tools, like a wallet, into an AI assistant.
- NWC
- Nostr Wallet Connect: lets an app or agent spend from your Lightning wallet within limits you set.
- Self-custody
- You hold the keys to the money, not a company.
- Lightning
- Bitcoin’s fast, cheap payment layer: payments settle in seconds and can cost a fraction of a cent.
- Stablecoin
- A crypto token pegged to a normal currency, usually the US dollar, so its price does not swing like Bitcoin.
01
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
7 / 7
MCP server:
“applied layer of Agentic Finance. Open source, self-hostable, MCP-native.** Operated by [Havok Holdings LLC](https://havok.holdings) · [Live](https://agent402.tools) · [Why pay”
CLI / skills:
“**OpenClaw agents:** drop in [`skills/openclaw/agent402/SKILL.md`](skills/openclaw/agent402/SKILL.md) - teaches an OpenClaw agent to find, pay (x402 USDC on Base, eleven other chains accepted,”
SDK / API:
“``` **3. Clone and host the whole thing** (all 500+ tools as an HTTP API + MCP, free mode, no payments): ```bash git clone https://github.com/MikeyPetrillo/Agent402 && cd Agent402 npm install”
agent docs:
“**The paid door for AI agents: 500+ tools, metered models and finished reports, paid per call in USDC over x402 and MPP, or by card. The applied layer of”
self-custody:
“`x402-quote`, `x402-verify`, `transfer-authorization` - non-custodial, multi-chain (Base/Polygon/Arbitrum/Optimism/Ethereum) | | **Agent memory** | wallet-keyed KV + TTL, atomic counters,”
open source:
“x402 and MPP, or by card. The applied layer of Agentic Finance. Open source, self-hostable, MCP-native.** Operated by [Havok Holdings LLC](https://havok.holdings) · [Live](https://agent402.tools) · [Why”
spend controls:
“to clean markdown, robots-respecting, hard page/depth/time budgets) - the deterministic pair behind any "read this whole site" task | | **Macro (FRED + more)** | yield curve, treasury, fiscal,”
last checked 2026-10-18
02
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
6 / 7
MCP server:
“rather than from four separate hardcoded lists. The app, chat, MCP and the admin dashboard all read the same in-process cache, so there is exactly one source of truth. See [Live provider”
SDK / API:
“for sponsored transactions), WalletConnect Modal, Base Account SDK, Solidity smart contract (Hardhat) * **Backend:** Next.js Route Handlers (serverless functions) * **Receipts:** html2canvas”
agent docs:
“notified from their preferred channel. * **Conversational AI Agent ("DeAI"):** A natural-language assistant (`/api/deai`) that lets users check balances and pay bills via chat-style commands,”
self-custody:
“if unset. ``` **How DeAI actually pays (non-custodial):** there is no server-side key for the user (there must never be one; that would make AbaPay a custodian), so the agent does”
open source:
“**RC 9524980**. --- ## 📄 License Code in this repository is [MIT licensed](LICENSE) — free to use, fork, and build on, including for independent agents/apps integrating AbaPay's MCP/x402 rails. This”
spend controls:
“payments, all spending from a bounded, user-revocable on-chain allowance — no custody, no server-side keys. Designed for low fees, cross-border utility vending (Nigeria + every country VTpass's live”
last checked 2026-10-18
03
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
6 / 7
MCP server:
“# Botwallet MCP Server **Let your AI agent send invoices to earn, pay for APIs and manage money, while you stay in control.**”
CLI / skills:
“[Docs](https://docs.botwallet.co) · [CLI](https://github.com/botwallet-co/agent-cli) · [npm](https://www.npmjs.com/package/@botwallet/mcp) --- Add one JSON block to your MCP client config. That's it. ```json {”
SDK / API:
“and are never sent to Botwallet. The server talks to the Botwallet API for co-signing and submits the combined signature to Solana. ## Security The agent can't bypass spending limits. Those are”
agent docs:
“# Botwallet MCP Server **Let your AI agent send invoices to earn, pay for APIs and manage money, while you stay in control.**”
open source:
“npm run inspect # Open in MCP Inspector ``` ## License [Apache 2.0](LICENSE)”
spend controls:
“and paid APIs, and manage its own USDC wallet. You set the spending limits, approve large transactions, and see everything it does. Works with Claude Desktop, Claude Code, Cursor, Windsurf, Cline, and”
last checked 2026-10-18
04
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
6 / 7
MCP server:
“Trust Layer for AI Agents via Nostr, Cashu eCash (NIP-61), and MCP.** [ — `dotnet add package LightningEnable.AgentSdk`”
agent docs:
“An open-source MCP (Model Context Protocol) server that enables AI agents to make Lightning Network payments and participate in agent-to-agent commerce. Wallet, invoice, L402, budget, and API-discovery”
open source:
“your agent: call the `create_lightning_enable_account` tool. An open-source MCP (Model Context Protocol) server that enables AI agents to make Lightning Network payments and participate in agent-to-agent”
spend controls:
“participate in agent-to-agent commerce. Wallet, invoice, L402, budget, and API-discovery tools work out of the box with just a wallet. Producer tools (sell access via L402) and Agent Service”
last checked 2026-10-18
11
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
5 / 7
MCP server:
“phrases. No complexity. ippon.minibits.cash · Wallet Loading · MCP server Loading REST API & CLI Ippon exposes a simple, versioned REST API so AI agents can create wallets, deposit sats, send and”
source: www.minibits.cash/
CLI / skills:
“up for AI agents . AI agents that need to make or receive micropayments can create a wallet via a single HTTP call or a CLI command, fund it with Lightning, and start transacting in seconds. No UI. No seed phrases. No complexity. ippon.minibits.cash ·”
source: www.minibits.cash/
SDK / API:
“ippon.minibits.cash · Wallet Loading · MCP server Loading REST API & CLI Ippon exposes a simple, versioned REST API so AI agents can create wallets, deposit sats, send and receive ecash tokens,”
source: www.minibits.cash/
agent docs:
“and iOS Minibits test mint Mint watchdog Ippon wallet for AI agents Instant. Private. Ecash. Minibits is a Bitcoin Lightning and ecash wallet plus related projects that deliver instant, low-cost,”
source: www.minibits.cash/
open source:
“Google Play App Store FreedomStore Zapstore Minibits is an open source project supported by: 🏆 HRF Bitcoin Bounty Human Rights Foundation OpenSats Grantee Open-source Bitcoin funding Minibits Wallet”
source: www.minibits.cash/
last checked 2026-10-18
12
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“# 402-mcp **Nostr:**”
agent docs:
“L402 client MCP that gives AI agents economic agency. Discover, pay for, and consume Lightning and ecash payment-gated APIs within limits you set: no human”
open source:
“ForgeSworn Toolkit [ForgeSworn](https://forgesworn.dev) builds open-source cryptographic identity, payments, and coordination tools for Nostr. | Library | What it does | |---------|-------------| |”
spend controls:
“If no note covers it, the other rails are tried as usual. ## Spending limits 402-mcp checks every automatic payment against these, and the agent can read them with `l402-config`: - `MAX_AUTO_PAY_SATS` caps”
last checked 2026-10-18
13
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“# AgentWallet MCP Server Permissionless wallet infrastructure for AI agents. Create wallets, sign transactions, and broadcast on-chain, on any EVM”
agent docs:
“AgentWallet MCP Server Permissionless wallet infrastructure for AI agents. Create wallets, sign transactions, and broadcast on-chain, on any EVM chain and Solana. Built-in guards. No KYC. The only AI”
self-custody:
“AI agent wallet that accepts crypto for its own API fees. **Your keys can stay on your machine.** Set one environment variable and every signature happens in your own process. No server sees the”
spend controls:
“custody mode, and more - **Spend policy**: rolling daily and monthly budgets, per-host ceilings, host and recipient lists, human approval through MCP elicitation, and a tool allowlist, in one JSON file,”
last checked 2026-10-18
14
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
agent docs:
“bitcoin payments in your products. Alby for Developers Blog agentic payments 402, Charted - Tracking the rise of L402, x402, and MPP agentic payments 402, Charted - Tracking the rise of L402,”
source: www.getalby.com
self-custody:
“Alby Hub , the only bitcoin payments wallet you'll ever need. Self-custody in the cloud Deploy in a cloud once, use forever. Access your wallet directly in any browser while keeping full control over”
source: www.getalby.com
open source:
“version. I've always had the philosophy that if you're open-source AND give your product for free, AND you offer a version that makes my life simpler, then it's a no-brainer. Javier Feliu Writer”
source: www.getalby.com
spend controls:
“Define app permissions and set daily, weekly, monthly or yearly budgets for the apps you connect to. Your lightning address Get a simple, custom, email-like address to receive bitcoin instantly”
source: www.getalby.com
last checked 2026-10-18
15
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
agent docs:
“bitcoin payments in your products. Alby for Developers Blog agentic payments 402, Charted - Tracking the rise of L402, x402, and MPP agentic payments 402, Charted - Tracking the rise of L402,”
source: getalby.com/#extension
self-custody:
“Alby Hub , the only bitcoin payments wallet you'll ever need. Self-custody in the cloud Deploy in a cloud once, use forever. Access your wallet directly in any browser while keeping full control over”
source: getalby.com/#extension
open source:
“version. I've always had the philosophy that if you're open-source AND give your product for free, AND you offer a version that makes my life simpler, then it's a no-brainer. Javier Feliu Writer”
source: getalby.com/#extension
spend controls:
“Define app permissions and set daily, weekly, monthly or yearly budgets for the apps you connect to. Your lightning address Get a simple, custom, email-like address to receive bitcoin instantly”
source: getalby.com/#extension
last checked 2026-10-18
16
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“Teach agents Alchemy APIs CLI Run Alchemy from your terminal MCP server Connect agents to 100+ chains PRODUCTS AgentCard Let your agent spend anywhere AgentPay Accept payments from agents”
source: www.alchemy.com/account-kit
SDK / API:
“API Webhooks WALLETS Everything you need to move money onchain Wallet APIs Programmable wallets for your users Transaction APIs Send, batch & track transactions Gas Management APIs Remove gas fees for”
source: www.alchemy.com/account-kit
agent docs:
“SERVICES Fintech New Payments Neobanks Banking CRYPTO DeFi NFTs AI agents Developers RESOURCES Documentation Read our docs Chain directory Devtools for 100+ networks Chain rankings Explore chain usage”
source: www.alchemy.com/account-kit
spend controls:
“through real-time policy checks that enforce permissions and spend limits, cryptographic signing backed by the same hardware-level security banks rely on, and submission across every supported”
source: www.alchemy.com/account-kit
last checked 2026-10-18
17
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“Create your environment in the Dynamic Dashboard 2 Install the MCP This takes a few seconds 3 Ask your agent It can access our documentation and start implementing for you! Cursor Claude Code”
source: www.dynamic.xyz/
SDK / API:
“external wallets, and multi-chain connectivity in one unified SDK. Built for security, engineered for speed Security is the foundation of everything we do. From key management to infrastructure,”
source: www.dynamic.xyz/
agent docs:
“Fintechs Deploy wallet infrastructure into any product. Agentic Power AI agents with secure wallets and payments. Payments Embed wallets and stablecoins into any product. Web3 Build scalable”
source: www.dynamic.xyz/
self-custody:
“tokenized assets, yield and more. Quickly launch secure, non-custodial wallets without crypto specialists. Get started View live demo Trusted by leading fintech and crypto teams. Backed by the”
source: www.dynamic.xyz/
last checked 2026-10-18
18
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“# Intelligence MCP Server MCP server that gives AI agents access to agent payments ecosystem intelligence. Scans GitHub, Hacker News, and npm for”
agent docs:
“# Intelligence MCP Server MCP server that gives AI agents access to agent payments ecosystem intelligence. Scans GitHub, Hacker News, and npm for signals, classifies and scores them, and”
self-custody:
“cd intelligence-mcp npm install cp .env.example .env # add your keys npm run build ``` ## Usage with Claude Code Add to your Claude Code MCP config: ```json { "mcpServers": { "intelligence": {”
spend controls:
“of all five protocols across creator, layer, agent delegation, budget limits, cross-merchant coordination, and MCP integration. Use when comparing protocols. | Free | ## Install ```bash git clone”
last checked 2026-10-18
19
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“[ — a”
last checked 2026-10-18
20
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“[![Glama MCP”
CLI / skills:
“"args": ["-y", "lightning-wallet-mcp"], "env": { "LIGHTNING_WALLET_API_KEY": "lf_your_operator_key" } } } } ``` **CLI** (any agent framework, CI, or a plain shell): ```bash npm install -g lightning-wallet-mcp lw register --name "My Bot" --email”
agent docs:
“**Give your AI agent a Bitcoin wallet.** One MCP server plus a CLI. Works with Claude Code, Cursor, Windsurf, OpenClaw, and any framework that can”
spend controls:
“Agents are now optional: create them when you want separate budgets. - **Cheaper.** Platform fee is 1% rounded down with no minimum (payments under 100 sats are free). Withdrawals start at 10”
last checked 2026-10-18
21
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“Agent Skill Sets > 日本語版: [README.ja.md](./README.ja.md) An MCP server and skill set for buying gift cards, eSIMs, mobile top-ups, and digital content with Bitcoin. - **UseBitcoin.jp**: 6”
CLI / skills:
“prints, the connection is working. --- ## Setup B — use as Claude Code SKILLs The slash commands (`/cashu-purchase`, etc.) provide a guided, conversational purchase flow. Non-engineers can use them by”
SDK / API:
“gift cards) Purchases go through the UseBitcoin official REST API (`/api/v1/invoices`, `/api/v1/orders/{id}`) and are paid over Lightning. `USEBITCOIN_API_KEY` is required — a shared public key”
open source:
“purchases non-refundable gift cards. Provided as-is under the MIT license, with no warranty of any kind — use at your own risk. - **Keep only small amounts in the wallet.** A bug, a misconfigured agent,”
last checked 2026-10-18
22
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“An MCP server that lets autonomous agents **buy, sell, discover — and talk** over [Hypawave](https://hypawave.com)'s accountless”
agent docs:
“An MCP server that lets autonomous agents **buy, sell, discover — and talk** over [Hypawave](https://hypawave.com)'s accountless Bitcoin Lightning paths. Agents can”
self-custody:
“sharing an offer id — and settle directly wallet-to-wallet: a **non-custodial marketplace, not a hub**. Buyers pay creators directly; a verified Lightning preimage is the proof that unlocks the result”
spend controls:
“| | | `wallet_status` | Wallet balance, seller pubkey, spending cap, live platform fees/limits | | `setup_wallet` | One-time wallet setup: create a hosted Coinos wallet (with operator consent) or”
last checked 2026-10-18
23
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“# mcp-server-insumer [](https://www.npmjs.com/package/mcp-server-insumer)”
agent docs:
“EU partners, uses InsumerAPI attestations in its live ERC-8183 agentic-commerce trust checks. [Case study](https://insumermodel.com/blog/asterpay-kya-erc8183-attestation-integration.html). Also”
self-custody:
“[AsterPay](https://github.com/AsterPay/erc8183-kya-hook), a non-custodial payments orchestrator settling through licensed EU partners, uses InsumerAPI attestations in its live ERC-8183 agentic-commerce”
spend controls:
“view functions, `ratio_to_amount` for self-scaling agent-spend limits and `ratio_to_supply` for share-of-supply rules; all three EVM only, plus `erc8004_agent` for ERC-8004 agent registration and”
last checked 2026-10-18
24
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
MCP server:
“# mcp-server-madeonsol > **Agent Intelligence Gateway (new in 4.1.0, opt-in).** Set > `MADEONSOL_AGENT_GATEWAY_ENABLED=on` together”
SDK / API:
“helpers are implemented in the > `madeonsol-x402` TypeScript SDK. This package does **not** gain that managed client > or new MCP/plugin actions from this PR. Existing sniper compatibility is”
agent docs:
“tools total at the time).** Six additions found by an internal agentic-infra coverage audit. `madeonsol_token_top_traders` (`GET /tokens/{mint}/top-traders`, PRO/ULTRA) ranks a token's wallets by”
spend controls:
“not to pay again. A recovery retry never uses the `X402_MAX_*` budget. Against a server that does not offer recovery (older, or with recovery switched off) the result is the previous behaviour: a”
last checked 2026-10-18
25
MCP serverCLI / skillsSDK / APIagent docsself-custodyopen sourcespend controls
4 / 7
SDK / API:
“wallets, gas sponsorship, oracles, and monitoring in a single SDK. Fewer invoices. Fewer failure points. Faster shipping. Auth Wallets Gas AA Bring your own auth Keep Auth0, Firebase, or your”
source: www.openfort.io/
agent docs:
“place. $10,000 Agent wallets, out of the box Purpose-built for AI agents: subscriptions, batch operations, and one-click purchases — powered by x402 and MPP. pay() Money in, money out Fund accounts”
source: www.openfort.io/
self-custody:
“in action → Spin up a wallet for every user in milliseconds. Self-custodial, multiple wallets per user, recovery built in. $1,700.00 Wallet created · 0.18 s ERC-4337 · multi-chain Every transaction,”
source: www.openfort.io/
open source:
“move, trade, and spend digital assets under your policies — one open-source SDK. They hold the keys. You own the product. Start building free → Use via agent → No credit card required • 2,000 operations”
source: www.openfort.io/
last checked 2026-10-18
showing 25 of 199 matches