PayRam

PayRam MCP Server — Self-Hosted Crypto Payments for AI Agents

Self-hosted crypto and stablecoin payments: no account lock, no fund freeze, customer data never shared. Your AI agent can plan, install and operate it over MCP.

Hosted endpoint: `https://mcp.payram.com/mcp` · Website · Docs · Agentic · OpenClaw

An MCP (Model Context Protocol) server that lets any MCP-aware AI agent — OpenClaw, Hermes, Claude, Cursor, GitHub Copilot, and others — deploy, integrate, and operate a self-hosted PayRam crypto-payment stack.

Start here: four tools lead the catalog:

Around them sit codebase assessment, starter-app scaffolds, multi-language snippets and inline docs.

The hosted server (`mcp.payram.com`) never holds merchant credentials. Day-2 operations run through payram_ops_playbook: the agent calls your PayRam API directly, and the credentials never leave its machine. The live data tools (payment search, payment links, node sync, worker restart) and assess_payram_project exist only when you run the MCP yourself in local mode.

For agents & crawlers: server card · skills index · llms.txt · sitemap. The server also answers Accept: text/markdown on / with an agent-readable summary.

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What is PayRam? · PayRam 是什么？

PayRam is a self-hosted, multi-chain crypto payment gateway you own outright — with no signup and no KYC/KYB to run it. An AI agent (or a developer) can stand up a store and start accepting payments without registering an account with PayRam, a bank, or any payment processor. Deploy on your own VPS, generate API keys locally, go live.

What makes it different:

• Nobody can lock you out — there is no account to lock and no funds to freeze. Customer data is never shared, and nothing is reported or monitored. The reason is simple: PayRam runs on your server and funds land in your own wallet.
• Permissionless setup — no signup, no KYC, no KYB. Nobody approves you; nobody can switch you off. Ideal for agents spinning up stores autonomously, and for markets like China where registering with a Western processor isn't an option.
• Card-to-crypto checkout — shoppers without crypto can pay with a credit/debit card and you receive crypto, settled straight into your self-custodied wallet. It is a built-in channel you switch on from the Payments page; the card provider runs its own checks on the shopper.
• Multi-chain — accept BTC, ETH, USDT, USDC, and TRX natively across Bitcoin, Ethereum, Base, Polygon, and Tron, with automatic deposit detection, on-chain confirmation, sweeps to cold storage, and signed webhooks. Smart Bridge rails also take payments on Solana, Bitcoin, Tron (USDT) and BNB Chain and settle them as USDC on Base.
• No deposit keys on the server — smart contracts sweep deposits to your cold wallet, so a compromised server cannot redirect them. The server's hot wallet pays gas and signs payouts, so keep its balance small.

PayRam 是一个你完全自托管、自主拥有的多链加密货币支付网关——运行它无需注册、无需 KYC/KYB。 AI 智能体（或开发者）无需在 PayRam、银行或任何支付处理商处注册账户，即可搭建店铺并开始收款。在自己的 VPS 上部署，本地生成 API 密钥，即刻上线。

核心差异：

- 没有人能把你锁在门外 — 没有可被封禁的账户，也没有可被冻结的资金；客户数据从不外泄，也没有任何上报或监控。原因很简单：PayRam 运行在你自己的服务器上，资金直接进入你自己的钱包。

- 免注册、免许可 — 无需注册、无需 KYC、无需 KYB。没有人审批你，也没有人能关停你。非常适合自主搭建店铺的智能体，以及像中国这样难以在西方支付处理商处注册的市场。

- 银行卡转加密货币结算 — 没有加密货币的买家也能用信用卡/借记卡付款，你直接收到加密货币并结算到自托管的钱包。这是内置的支付渠道，在「Payments（支付）」页面开启；银行卡服务商会对买家进行其自身的审核。

- 多链支持 — 原生支持在 Bitcoin、Ethereum、Base、Polygon、Tron 上接受 BTC、ETH、USDT、USDC、TRX，自动检测充值、链上确认、归集冷钱包并发送带签名的 Webhook。Smart Bridge 通道还可接收 Solana、Bitcoin、Tron（USDT）和 BNB Chain 上的付款，并以 Base 上的 USDC 结算。

- 服务器上没有充值私钥 — 智能合约把充值资金归集到你的冷钱包，即便服务器被攻破也无法改变资金去向。服务器上的热钱包负责支付 Gas 并签署出款，请只保留少量余额。

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How AI agents use PayRam · AI 智能体如何使用 PayRam

PayRam is agent-first infrastructure. Because integration is over MCP, it works with any MCP-aware runtime — OpenClaw, Hermes, Claude Desktop, Cursor, GitHub Copilot, n8n, LangChain, and more. A typical agent flow:

1. Connect — add https://mcp.payram.com/mcp to the agent's MCP config (no API key needed just to connect).
2. Plan — call payram_setup_plan. It returns the ordered steps, who runs each one, and where the agent must stop for the human (cold wallet, mainnet gas, root-only settings).
3. Install — on the VPS, in an interactive terminal once, run bash <(curl -fsSL https://payram.com/setup_payram_agents.sh) --testnet (or --mainnet; the installer default is mainnet, so always pass the flag). Never pipe it into bash.
4. Hand off — the human claims the root account right away and saves Settings → Site URL from the public domain; until then, payment links point at http://localhost.
5. Check — payram_doctor with the public URL (no credentials needed).
6. Accept payments — drop in framework-specific integration code from the snippet tools. Webhooks are signed (X-Payram-Signature, HMAC-SHA256 of the raw body with the project API key).
7. Operate — payram_ops_playbook (daily_check, payment_options, node_sync, unswept_funds, create_payment_link, …) gives the agent the exact API calls to run with its own credentials. payram_runbook covers admin changes.

{

"mcpServers": { "payram": { "url": "https://mcp.payram.com/mcp" } } }

For the OpenClaw-specific walkthrough (registration, testnet on Base Sepolia, chat-commerce patterns for WhatsApp/Telegram/Discord) see the payram-openclaw-integration skill and payram.com/openclaw.

PayRam 是智能体优先（agent-first）的基础设施。由于集成基于 MCP 协议，它可与任何兼容 MCP 的运行时配合使用——OpenClaw、Hermes、Claude Desktop、Cursor、GitHub Copilot、n8n、LangChain 等。典型的智能体使用流程：连接 MCP 端点 → 调用 payram_setup_plan 规划安装 → 在交互式终端中用 bash <(curl …) --testnet 部署网关 → 由人工立即创建 root 账户并在公网域名下保存 Site URL → 用 payram_doctor 检查 → 用集成代码收款（Webhook 带 X-Payram-Signature 签名）→ 通过 payram_ops_playbook 用智能体自己的凭证运维。托管的 MCP 服务器从不保存商户凭证。

If GitHub is hard to reach from your network, you can mirror this repository to another Git host (git clone --mirror https://github.com/PayRam/payram-mcp.git).

如果你的网络难以访问 GitHub，可以把本仓库镜像到其他 Git 托管平台（git clone --mirror https://github.com/PayRam/payram-mcp.git）。

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Table of Contents

• What is PayRam?
• How AI agents use PayRam
• Agent Skills
• Project Goals
• Quick Start
• Connect from your MCP client
• Local mode
• Credentials
• Tool Catalog
• Guided Workflows
• Development
• Troubleshooting

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Agent Skills

Agent front door: https://mcp.payram.com/SKILL.md — a single root skill that describes PayRam and routes agents to the four start-here tools. Also served: /llms.txt.

This repository includes 19 Agent Skills for AI coding assistants. Install them via skills.sh:

Install individually

npx skills add payram/payram-mcp/payram-setup

npx skills add payram/payram-mcp/payram-agent-onboarding npx skills add payram/payram-mcp/payram-auth npx skills add payram/payram-mcp/payram-analytics npx skills add payram/payram-mcp/payram-crypto-payments npx skills add payram/payram-mcp/payram-payment-integration npx skills add payram/payram-mcp/payram-self-hosted-payment-gateway npx skills add payram/payram-mcp/payram-checkout-integration npx skills add payram/payram-mcp/payram-widget-integration npx skills add payram/payram-mcp/payram-webhook-integration npx skills add payram/payram-mcp/payram-stablecoin-payments npx skills add payram/payram-mcp/payram-bitcoin-payments npx skills add payram/payram-mcp/payram-payouts npx skills add payram/payram-mcp/payram-no-kyc-crypto-payments npx skills add payram/payram-mcp/payram-openclaw-integration npx skills add payram/payram-mcp/compare-crypto-payments npx skills add payram/payram-mcp/payram-agent-journey npx skills add payram/payram-mcp/payram-topup-wallet-integration npx skills add payram/payram-mcp/payram-testnet-testing

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