stipend.sh

Name: stipend.sh
Author: stipend-sh

by stipend-shversion 0.45.4i★ –iRuns on your computer

Registry nameio.github.Graphiker-Australia/stipend

Install

Overview

Description from the maker (original English)

Non-custodial USDC wallet on Base with spending limits enforced in code, not in a prompt.

PopNx MCP’s three pillars

These three are never merged into one score: opinions, measurements and popularity are different things.

User voiceiNo reviews yetReviews open together with accounts in a later step
Our basic checksi0 of 1 passedChecked from public information; code not scanned yet
UsageiNot measured yet★ –

What you can do with it

We have not written a plain-language summary for this one yet. Below are the facts we read from the registry.

Connection: Runs on your computer
Transport: stdio
Category: Search & AI memory

Install

Pick the AI app you use, then copy the settings.

Before you install

Basic checks: 0 of 1 passed
Runs on your computer with your user’s permissions (files, network, apps).
The registry lists no key to fill in.

You need

npmNode.js installed (for the npx command)

Which app do you use?

ClaudeClaude CodeCursorVS CodeChatGPT

Pick your app above. We remember it, so next time the button says “Install in …”.

Open Claude Desktop → Settings → Developer → Edit Config, and paste this into claude_desktop_config.json

{
  "mcpServers": {
    "stipend": {
      "command": "npx",
      "args": [
        "-y",
        "stipend"
      ]
    }
  }
}

Run this in your terminal

claude mcp add stipend -- npx -y stipend

Open in Cursor

Or copy the settings yourself

Paste into .cursor/mcp.json in your project, or ~/.cursor/mcp.json

{
  "mcpServers": {
    "stipend": {
      "command": "npx",
      "args": [
        "-y",
        "stipend"
      ]
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

Open in VS Code

Or copy the settings yourself

Paste into .vscode/mcp.json in your project

{
  "servers": {
    "stipend": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "stipend"
      ]
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

This one runs on your computer, and ChatGPT can only connect to servers on the internet. Pick another app.

Your choice stays on this device in a cookie; no account needed.

These settings are generated from the maker’s registry entry. If the README says otherwise, follow the README.

What it can do

Runs on your computer; the tool list appears in your AI app after you install it.

Basic checksi

We check information anyone can see; we have not read the code. Checks that do not apply are left out of the count. · Checked Nov 7, 2026

! Caution
Maker matches the repo
The publisher (Graphiker-Australia) is not the repo owner (stipend-sh); someone else may have listed it
… Not checked yet
Still maintained
We have not read this repo from GitHub yet
… Not checked yet
Has a licence
We have not read this repo from GitHub yet
– Not applicable
Endpoint responds
This one runs on your computer; there is no internet endpoint
– Not applicable
Sign-in with OAuth
Runs on your computer and uses local settings instead
… Not checked yet
No hidden instructions in tool descriptions
Runs on your computer; we can only read tool lists from internet endpoints

Compared with others in Search & AI memoryi

More stars than 0% of the other 5650 servers in this category
Published to the registry more recently than 30% of the other 5650 servers in this category
Basic checks equal to or better than 28% of the other 5650 servers in this category

Compared with every active server in this category in the registry. Stars count only when the publisher owns the repo.

Common questions

Is stipend.sh safe?

It passed 0 of 1 applicable basic checks. We have not read the code. Before adding a key or token, see what access the server asks for and use a key with only the permissions you need.

What keys or codes does it need?

The registry does not list a required key, though some servers ask you to sign in on first use.

Does it run on my computer or in the cloud?

It runs on your computer. Your AI app starts it when needed, and data does not pass through the maker’s servers (unless it calls an online service itself).

Is it still maintained?

The GitHub repo last changed –, and the latest version (0.45.4) reached the registry 3 months ago.

Which apps can use it?

Apps that support MCP, such as Claude Desktop, Claude Code, Cursor and VS Code. You also need Node.js on your computer.

What can I use instead?

In the same category: Context7, Codebase Memory, Exa

Alternatives

Servers in the same category from other makers, sorted by stars.

Reading a card:★ GitHub starsiThree pillars: reviews · checks · usageiUpdated = latest version published to the registryi

Context7

by upstash

Feeds AI the latest docs for libraries and frameworks before it answers, so code it writes does not use outdated, removed functions.

Computer or cloud★ 64,224MITUpdated yesterday

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Codebase Memory

by DeusData

Codebase knowledge graph for AI agents — 162 languages, sub-ms queries, 99% fewer tokens.

Runs on your computer★ 48,148MITUpdated 21 days ago

Install

Exa

by exa-labs

Connect AI agents to Exa for web search, content fetching, and multi-step research.

Runs in the cloud★ 5,213MITUpdated last month

Install

README from the maker

Open the README

Copied from the maker’s repo as written. PopNx MCP has not reviewed or endorsed it. HTML, images and scripts are removed. Links lead off this site.

stipend.sh

A non-custodial USDC wallet on Base that an AI agent installs by itself, with spending limits enforced below the instruction layer.

pip install eth-account && curl -sL stipend.sh/install | sh

This is the source of the package that installer fetches. It is published so that the claims made for it can be checked rather than believed.

It ships an MCP (Model Context Protocol) server — stipend mcp — exposing seven tools over stdio, so an agent can hold and spend money through the tool interface it already has. See MCP server below.

The claim worth checking

The failure that matters for an agent holding money is not a stolen key. It is a correctly signed transaction it was argued into.

Almost every defence against that lives in the instruction layer — a system prompt saying "do not send funds to unverified addresses." That is a suggestion to a model, sitting in the same context window as the text attacking it.

In here the limits are not advice. They are code that a transaction passes through on its way to being signed, and no wording in any context window reaches them.

Start at [`stipend/policy.py`](stipend/policy.py). It is about three hundred lines and it is the whole argument.

The three controls

control	what it does
per-transaction and daily caps	a ceiling that no instruction can raise
one-time approvals	authorise a single payment — bound to that recipient, that amount, expiring, single use — instead of raising a cap
new-destination confirmation	the first payment to any address you have never paid needs confirming, whatever the size

The second is the one people get wrong. Raising a cap to afford one purchase weakens every future payment to everyone, which is precisely what an attacker asks for. Authorise the payment, not the capability.

The third is what stops a drain by many small payments that each sit under the threshold. An attacker's address is, by definition, one you have never paid.

And if you turn on an allowlist, it is absolute. Funds reach nothing else — not with a confirmation, not with an approval, not with any instruction from anywhere.

MCP server

The wallet is also a Model Context Protocol (MCP) server, so an agent can use it through the tool interface it already has rather than by shelling out.

stipend mcp

It speaks JSON-RPC over stdin and stdout — the MCP stdio transport. Your MCP client spawns the process; nothing listens on a port and nothing is exposed to a network.

In a client's config that looks like:

"mcpServers": { "stipend": { "command": "stipend", "args": ["mcp"] } } }

The tools

tool	what it does
`stipend_address`	the wallet's address, so money can reach you whether or not you are running
`stipend_balance`	USDC held, native currency held, spent today, and the daily limit
`stipend_check`	would this payment be allowed? Answers without sending anything
`stipend_pay`	send USDC, subject to every limit below
`stipend_earnings`	read incoming payments off the network and record them
`stipend_report`	earned against spent, by category, with runway in days
`stipend_recover`	what is outstanding, and whose job each item is

Every one of them goes through the same policy.check gate the command line uses, so the caps, the allowlist and the new-destination confirmation apply identically. There is no path here that moves money without them.

stipend_check exists so an agent can ask "would this be allowed?" before it offers to pay for something, turning a refusal into an answer rather than a failure.

What it deliberately does not expose

No tool reads, exports or derives the private key. No tool changes a spending limit or the allowlist. No tool creates or overwrites a wallet.

An MCP tool is callable by a model that is reading untrusted text, and raising a cap is exactly what an attacker would ask for — so it is not on the menu at all. Configuration changes stay at the command line, where a human is present.

Why it is not hosted

Every registry would prefer a URL, and we will not publish one. A hosted wallet server means the key lives on somebody else's machine — ours — and the whole claim of this package is that it does not. This runs beside the keystore, under the same user, and the key never moves.

Run its own tests

No network, no funds, no wallet of yours touched:

python -m stipend selftest

219 checks covering address validation, amount arithmetic, every policy branch, the allowlist, the daily cap, destination trust and its expiry, keystore encryption, ERC-20 encoding, x402 requirement selection, EIP-3009 signing, the ledger, and exactly what telemetry would send.

What we would rather have

Someone to break it.

If you can construct an injection that moves money past the checks in policy.py, open an issue. We would rather hear it from you than from someone who is not being polite about it.

Honest limits

Not independently audited.
x402 interoperability is verified against our own endpoint, not third-party merchants.
The key is generated on your machine and never transmitted — which also means nobody can recover it for you, including us.
Keep the balance small. It is a working float, not savings.

Licence

Apache-2.0. See LICENSE.

Built by the Stipend dev team. FelixTrade.ai Pty Ltd, Australia.

stipend.sh

Overview

PopNx MCP’s three pillars

What you can do with it

Install

Before you install

What it can do

Basic checksi

Maker matches the repo

Still maintained

Has a licence

Endpoint responds

Sign-in with OAuth

No hidden instructions in tool descriptions

Compared with others in Search & AI memoryi

Common questions

Alternatives

Context7

Codebase Memory

Exa

README from the maker

stipend.sh

The claim worth checking

The three controls

MCP server

The tools

What it deliberately does not expose

Why it is not hosted

Run its own tests

What we would rather have

Honest limits

Links

Licence