XPayr Non-Custodial Crypto Gateway & AI Agent Commerce MCP

XPayr Official Model Context Protocol (MCP) Server & AI Agent Commerce Suite (@xpayr/mcp-server)

XPayr (https://xpayr.com) is a non-custodial multi-chain crypto payment gateway and policy-controlled AI agent commerce infrastructure supporting EVM (Ethereum, BNB Chain, Polygon, Arbitrum, Base), TRON (TRC-20 USDT & TRX), Solana (SOL, SPL USDC, SPL USDT), and Arc Mainnet & Testnet (Native USDC Gas) at a flat 0.5% gateway fee (50 bps) with direct wallet-to-wallet settlement.

This repository provides the official 21-Tool Model Context Protocol (MCP) Server (@xpayr/mcp-server & xpayr-mcp), Docker GHCR image, OpenAPI 3.1.0 / ChatGPT Custom GPT Action schemas, and ready-to-import `n8n` automation workflows.

⚡ One-Click & Instant Setup (Claude Desktop, Cursor, VS Code, Docker)

Option A: One-Click IDE Deep Links

• Cursor IDE: ⚡ Install XPayr MCP in Cursor
• VS Code (GitHub Copilot MCP): ⚡ Install XPayr MCP in VS Code
• Interactive Web Configurator & Fee Calculator: https://xpayrcom.github.io/xpayr-portal/

Option B: Claude Desktop / Cursor (claude_desktop_config.json or .cursor/mcp.json)

{

"mcpServers": { "xpayr": { "command": "npx", "args": [ "-y", "@xpayr/mcp-server", "--suite", "all" ], "env": { "XPAYR_API_KEY": "sk_test_your_xpayr_secret_key" } } } }

Option C: Zero-Install Docker Container (GitHub Container Registry)

docker run -i --rm -e XPAYR_API_KEY="sk_test_your_key" ghcr.io/xpayrcom/xpayr-mcp-server:latest

🛠️ Complete 21-Tool MCP Catalog (tools/list)

| # | MCP Tool Name | Suite | Underlying API Route | Description | | :-: | :--- | :--- | :--- | :--- | | 1 | xpayr_health_check | merchant | GET /health | Check XPayr Gateway API v1 operational health, version, and server timestamp. | | 2 | xpayr_create_payment_session | checkout | POST /payments | Create a non-custodial crypto payment session supporting Web3 1-Click Pay, Direct Exchange QR Transfer, Multi-Chain Links, 1-Year Reusable Links, and Automated HTML Invoice Email Delivery. | | 3 | xpayr_get_payment_session | checkout | GET /payments/{session_id} | Retrieve full details, metadata, settlement split amounts, checkout mode, and on-chain transaction hash for a payment session. | | 4 | xpayr_list_payment_sessions | checkout | GET /payments | List merchant crypto payment sessions with filtering by status, currency, network, and pagination. | | 5 | xpayr_get_public_payment_status | checkout | GET /payments/{session_id}/status | Poll real-time public checkout status, on-chain tx_hash, sender wallet address, block confirmations, and paid_at timestamp without an API key. | | 6 | xpayr_apply_payment_coupon | checkout | POST /payments/{session_id}/coupon | Validate and apply a merchant promotional discount coupon code to an active pending payment session. | | 7 | xpayr_get_merchant_profile | merchant | GET /me | Retrieve authenticated merchant profile, settlement wallet address, commission rate in basis points (50 bps = 0.5%), and active API keys. | | 8 | xpayr_get_merchant_balance | merchant | GET /me/balance | Query confirmed non-custodial settlement volume, transaction counts, and platform fees grouped by currency and blockchain network. | | 9 | xpayr_get_supported_networks | merchant | GET /me/networks | List all active EVM, TRON, Solana, and Arc Mainnet/Testnet blockchain networks, chain IDs, RPC endpoints, splitter contracts, and supported tokens. | | 10 | xpayr_get_webhook_config | webhooks | GET /webhooks | Inspect the merchant webhook callback URL, masked HMAC-SHA256 signing secret, and subscribed payment lifecycle events. | | 11 | xpayr_set_webhook_endpoint | webhooks | POST /webhooks | Configure or update the merchant HTTPS webhook receiver URL and generate a fresh 32-byte HMAC-SHA256 signing secret. | | 12 | xpayr_send_test_webhook | webhooks | POST /webhooks/test | Send a signed test.webhook payload with HMAC-SHA256 headers to verify merchant webhook signature verification. | | 13 | xpayr_create_ai_agent | agents | POST /agents | Provision a new merchant-managed AI commerce agent identity with scoped credentials and programmable spending guardrails. | | 14 | xpayr_list_ai_agents | agents | GET /agents | List all AI commerce agents managed by the merchant along with their status, assigned wallets, and spending policies. | | 15 | xpayr_update_ai_agent_policy | agents | PUT /agents/{agent_id}/policy | Configure spending policy guardrails for an AI agent (max per-tx USD, daily cap, auto-approve threshold, allowed chains/tokens). | | 16 | xpayr_submit_agent_payment_intent | agents | POST /agent-intents | Submit an autonomous AI agent payment intent evaluated in real time against merchant policy rules (approved, pending_approval, rejected). | | 17 | xpayr_list_agent_payment_intents | agents | GET /agent-intents | List AI agent payment intents, policy evaluation decisions, and audit trail records for the merchant. | | 18 | xpayr_bridge_agent_intent_to_checkout | agents | POST /agent-intents/{intent_id}/bridge | Bridge an approved AI agent payment intent into a live executable XPayr payment session with hosted checkout URL and on-chain verification. | | 19 | xpayr_approve_agent_intent | agents | POST /agent-approvals/{intent_id}/approve | Approve a pending AI agent payment intent from the merchant approval queue and bridge it to checkout. | | 20 | xpayr_reject_agent_intent | agents | POST /agent-approvals/{intent_id}/reject | Reject a pending AI agent payment intent in the merchant approval queue with an audit reason. | | 21 | xpayr_calculate_gateway_fee_and_split | merchant | LOCAL /tools/crypto-payment-fee-calculator | Deterministically calculate XPayr flat 0.5% (50 bps) gateway fee split, net merchant wallet settlement, 1% (max $0.50) exchange withdrawal tolerance, and savings vs BitPay, Coinbase Commerce, and Stripe. |

🌐 OpenAPI 3.1.0 & ChatGPT Custom GPT Actions

Connect XPayr directly to OpenAI Custom GPTs, Dify.ai, Relevance AI, Retool, or Postman via our hosted OpenAPI 3.1.0 specifications:

• OpenAI Custom GPT Actions (Flagship 8 Endpoints): https://xpayrcom.github.io/xpayr-portal/openapi-gpt-actions.json
• Full 20-Endpoint OpenAPI 3.1.0 Specification: https://xpayrcom.github.io/xpayr-portal/openapi.json
• XPayr Production OpenAPI Spec: https://xpayr.com/public/docs/developers/xpayr-openapi-v3.json

🔄 Ready-to-Import n8n Workflows (./n8n-workflows/)

1. 01-xpayr-multichain-invoice-telegram-bot.json — Generate universal multi-chain payment links and push branded HTML invoices.
2. 02-xpayr-webhook-order-fulfillment-pipeline.json — Receive signed XPayr webhooks and verify on-chain transaction finality.
3. 03-xpayr-ai-agent-autonomous-procurement.json — Autonomous AI agent submits payment intent, passes policy guardrails, and bridges to checkout.
4. 04-xpayr-daily-multichain-treasury-digest.json — Daily multi-chain treasury settlement digest across EVM, TRON, Solana, and Arc.

🔗 Official XPayr Links & AI Discovery Surfaces

• Main Platform: https://xpayr.com
• Developer Hub: https://xpayr.com/developers
• Interactive API Reference: https://xpayr.com/doc-api
• Interactive MCP & SDK Portal: https://xpayrcom.github.io/xpayr-portal/
• LLM Context (`llms.txt`): https://xpayr.com/llms.txt
• Extended LLM Context (`llms-full.txt`): https://xpayr.com/llms-full.txt
• AI Citation Kit: https://xpayr.com/ai-citation-kit
• Free Merchant Testnet Registration: https://xpayr.com/merchant/register