Vybe Pay MCP

Your AI can pay. You still say yes.

Issue a spend key, connect Cursor or Claude, and Approve every Collect payment — like a bank alert, not a blank cheque.

Issue a spend key

Free to open. 1.5% on payment requests.

How it works

Hard daily & per-pay caps Approve or decline every time Revoke anytime

9:41● ●

Home

Agent wants to pay$0.005Research PaperTo @ghostofsparta2Review · Approve or Decline ›

$2,840.50

@alex

SendRequestInviteScan

Add money

ActivityAll

AApproveSend from your balanceYes
DDeclineNothing leaves the walletNo
LDaily cap$50 left todaySafe

Under your limitsWaiting on you

Vybe Pay on Smithery

Agents: fetch /llms.txt or /llms-full.txt for install + VAPT steps.

Get a VAPT

Four steps. You stay in control.

A Personal VAPT is your agent spend key — debits your wallet. For team scripts on your Business account, issue an Org VAPT from Business overview (same vapt_… format, org wallet). Caps first, then paste into Cursor (Claude web/Desktop uses Sign in instead). Money only moves when you Approve (or from your auto-settle pool for trusted merchants).

Shown onceCopy vapt_… when you issue it. Never commit or share it publicly. Revoke in Settings if it leaks.

Issue a spend key

Create or open your wallet

Issue a VAPT

Settings → Agent spend. Set a per-payment max and daily cap. Copy vapt_… once — it’s shown only at issue.

Paste into your AI

Add Vybe Pay MCP in Cursor (Bearer key) or Claude (Sign in). The agent can ask to pay — not empty the wallet.

Approve or decline

When it calls pay_offering, you get a card: who, what, amount. Approve moves USDC. Decline cancels. Revoke anytime.

Install

Connect Cursor or Claude

Shared MCP URL: https://www.vybe.finance/api/mcp/pay. Cursor uses a vapt_… header. Claude web/Desktop uses Sign in (OAuth) — no paste.

Cursor · mcp.jsonBearer VAPT

{
  "mcpServers": {
    "vybe-pay": {
      "url": "https://www.vybe.finance/api/mcp/pay",
      "headers": {
        "Authorization": "Bearer vapt_YOUR_TOKEN"
      }
    }
  }
}

Claude · connector URLOAuth Sign in

{
  "mcpServers": {
    "vybe-pay": {
      "type": "http",
      "url": "https://www.vybe.finance/api/mcp/pay"
    }
  }
}

Full tool list and honesty table: Developer setup · Smithery

The problem

Agents are useful. Blank wallet access isn’t.

You want help that can pay for tools and people — without handing over the whole balance.

Your AI can shop. You don’t trust it with the whole wallet.

You want Claude or Cursor to buy a research tool or book a call — not drain every dollar you hold.

“Just paste your keys” feels reckless.

Full wallet access for an agent is how people get surprised. You need a leash: daily max, per-payment max, off switch.

Silent spend is a nightmare.

If money moves without you seeing it, you’ll never sleep. You want a clear ask — Approve or Decline — before anything leaves.

Why Vybe

Built like a money app, not a crypto experiment.

Hard limits, not vibes

Set a max per payment and a daily cap. Optional seller allowlist. Expire or revoke the key anytime.

Same balance you already use

Agent pays land next to human pays. Collect for sellers, Pay MCP for buyers — one @you.

You stay in the loop

No silent auto-spend. Approve moves the money. Decline cancels it. You’re always the last word.

Before / after

Same AI. Safer money.

Without Vybe Pay

Hope the agent behaves · or do every purchase yourself

With Vybe Pay MCP

Caps + Approve / Decline on every ask

Without Vybe Pay

Separate “AI wallet” you barely check

With Vybe Pay MCP

Same balance as your human Collect and Pay

Without Vybe Pay

Hard to turn off once you shared access

With Vybe Pay MCP

Revoke the key — pays stop

Claude

Connect without pasting a secret

Claude web and Desktop use Sign in (OAuth). You pick a spend key once; every pay still needs Approve on your phone.

In Claude: Settings → Connectors → Add custom connector. Name Vybe Pay, URL https://www.vybe.finance/api/mcp/pay.
Authentication: Required when the server asks (not None — Claude may “Detect” None; override it).
OAuth client: Use Anthropic’s hosted client metadata (Recommended). Fallback if Sign in fails: No client ID — register one automatically (DCR).
Add → when Claude prompts, Sign in on Vybe → pick a spend limit → Allow Claude.
Prefer phone for the code path? Open /oauth/device.
Manage anytime in Settings → Agent spend → Connected AIs (change key or Disconnect).

Collect trust

Teach agents to inspect before they pay

Caps protect the wallet. The Agent Trust Card protects the product decision — seller, preview, price, and unlock path in one JSON GET.

Reference SKU

Walk Claude or Cursor through /collect/trust — a live research listing with ungated abstract, TOC, and deterministic unlock after Approve.

Open trust demo

What to fetch

Prefer marketplace or Collect JSON over HTML. Look for agentTrust, integration.preview, and fulfillment unlock instructions before calling pay_offering.

FAQ

Straight answers

What is a VAPT?

A scoped agent spend key (vapt_…). Caps, optional seller allowlist, expiry. Paste into Cursor as the MCP Bearer header. For Claude web/Desktop, connect with Sign in and pick a key — you never paste the secret.

Cursor / Claude don’t know “Vybe Pay” on search

That’s normal — it isn’t built into every install. Open /pay-mcp, Smithery (vybe/vybe_pay), or /llms.txt. Claude: paste the MCP URL and Sign in. Cursor: add the Bearer header.

Do I need to be a developer?

No. For Claude: Add connector → Sign in → pick a spend limit → Allow. For Cursor: issue a key in Settings → Agent spend and paste the JSON. Approve / Decline like a bank notification.

Can the AI spend without me?

Not with Vybe Pay MCP today. Every pay waits for your Approve. That’s intentional.

What if I change my mind?

Revoke the key in Settings → Agent spend. The agent can’t start new pays with it.

Is this the same as Collect?

Collect is how you get paid. Vybe Pay MCP is how your AI pays someone else — under your rules. Today it settles Vybe Collect offerings only. Before paying an unfamiliar listing, have the agent GET the Collect JSON and read agentTrust (see /collect/trust).

Ready

Connect Claude or Cursor

Settings → Agent spend: Claude Sign in (no paste) or Cursor Bearer paste. Approve pays like a bank notification.