FiatDock

Non-custodial USDC <-> bank for AI agents: free quotes, $0.05 per session via x402, 1% commission itemised; own funds only (PT + EU/EEA, not UK), 18+.

GitHub
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Documentation

fiatdock-mcp

Move value between USDC and a bank account from any AI agent — non-custodially (conversion, KYC and custody are handled by a licensed, regulated payment partner; FiatDock never touches funds).

Setup — two steps

# 1. Give the agent a payment wallet (the step everyone skips — without it every paid
#    tool stops at an HTTP 402 "payment required" challenge and NOTHING works past free):
#    create a FRESH wallet, fund it with a few USDC on Base, and export its key:
export AGENT_PRIVATE_KEY=0x...   # dedicated low-balance wallet — never your main key

# 2. Run the server — 18 MCP tools over stdio, paid calls settle automatically:
npx -y fiatdock-mcp

No wallet yet? Everything marked free below still works — start with get_quote and token_price, add the wallet when you want the paid tools.

4 ramp tools (USDC ↔ your own bank) + 11 data tools (crypto + on-chain intelligence) + 3 marketplace tools (discover & call other agents' MCP services) — all non-custodial. Take only the group you need with FIATDOCK_TOOLS:

ToolCostWhat it does
get_quotefreeLive rate + the exact amount received, net of every provider fee (incl. the 1% service commission)
create_offramp_session$1.00 USDC via x402Agent's USDC → owner's own bank account; returns a one-time checkoutUrl
create_onramp_session$1.00 USDC via x402Owner's own fiat → USDC to the agent's wallet (address locked)
get_order_statusfreeTrack an order by partnerOrderId
token_pricefreeReal-time price/liquidity/volume/change for any EVM token by contract address (DexScreener), or a major symbol spot price
token_safety$0.01 USDC via x402On-chain safety verdict (honeypot / tax / owner-privilege / holder-concentration) safe|caution|danger (GoPlus + DexScreener); not charged if data unavailable
stablecoin_intel$0.002 USDC via x402Stablecoin supply, $1.00 peg deviation & per-chain breakdown incl. Base (DefiLlama); not charged if data unavailable
gas_price$0.001 USDC via x402Base gas price (wei + gwei)
block_number$0.001 USDC via x402Base latest block height + timestamp
eth_balance$0.001 USDC via x402ETH balance of any address on Base
usdc_balance$0.001 USDC via x402USDC balance of any address on Base
token_metadata$0.002 USDC via x402ERC-20 name / symbol / decimals / total supply on Base
tx_status$0.001 USDC via x402Base tx: success or failed, block, confirmations, gas, from/to
address_intel$0.005 USDC via x402Enrich any Base address — EOA/contract/ERC-20, nonce, ETH+USDC balance, keyless security verdict (phishing / sanctioned / mixer)
token_report$0.05 USDC via x402Full ERC-20 report in ONE call: price + liquidity + volume and the complete safety verdict
search_servicesfreeSearch the FiatDock marketplace of MCP services — matches each listed server's own tool names, not just its description
get_servicefreeOne listing's full detail + how to call it
call_serviceper-listing (x402)Invoke a listed service; paid calls settle 99% → seller, 1% → FiatDock in one x402 payment (non-custodial)
  • Remote endpoint (no install): https://fiatdock.com/mcp — Streamable HTTP, stateless, CORS-enabled. Paid tools return the x402 402 challenge there (remote can't sign payments).
  • Official MCP Registry: com.fiatdock/fiatdock-mcp
  • No MCP? GET https://fiatdock.com/tools.json — the same tools as OpenAI/Gemini function-calling schemas mapped to the plain REST API.
  • Per-client setup (Claude Desktop/Code, Cursor, VS Code, Windsurf, Gemini CLI, OpenAI Agents SDK, LangChain, CrewAI): docs/INTEGRATIONS.md · runnable examples: docs/examples/

Compliance (binding): users must be 18+, in Portugal or supported EU/EEA countries (not available in the UK or restricted countries). Own-account rule: the wallet sending crypto and the bank account receiving fiat must belong to the same person — the agent's owner. No third-party funds, no aggregation, no person-to-person transfers. Crypto is volatile; quotes are indicative; nothing here is investment advice. Terms · Privacy · Risk warning

Environment

VariableRequiredPurpose
FIATDOCK_URLno (default https://fiatdock.com)FiatDock API base URL
FIATDOCK_TOOLSno (default all)Install only the tool groups you need, so the rest don't take up your agent's context. See below.
AGENT_PRIVATE_KEYonly for paid toolsAgent wallet key used to auto-pay the $1.00 x402 fee. Without it, free tools still work and paid tools return the 402 challenge. Use a dedicated low-balance wallet; never your main key.
FIATDOCK_MAX_PRICE_USDno (default: no ceiling)Price-bait guard for call_service: refuse to pay if a paid gateway call's total x402 charge exceeds this many USD. Overridable per call via the maxPriceUsd argument.

Pick your tools — FIATDOCK_TOOLS

All 18 tools install by default. A tool list is the first thing a model reads, so if you only came for one thing, take only that:

GroupToolsFor
ramp4Quotes, USDC↔bank sessions, order status
data11Token price/safety/report, gas, balances, tx status, address intelligence
marketplace3Find, inspect and pay for other agents' MCP services
FIATDOCK_TOOLS=ramp                # just the cash-out surface (4 tools)
FIATDOCK_TOOLS=ramp,marketplace    # cash out + buy from other agents (7 tools)
# unset, or "all"                  # everything (18 tools)

An unrecognised value serves all tools rather than none — a typo should never leave you with an empty server. Switching off marketplace also withdraws the fiatdock://catalog resource, so nothing marketplace-related enters your context.

Resources

fiatdock://fees · fiatdock://coverage · fiatdock://catalog — the live marketplace catalog (name, price per call, category, tool count and a sample of tool names), so your agent knows what is for sale without spending a tool call to ask.

Claude Desktop / Cursor / Windsurf / Gemini CLI

All four read the same mcpServers shape (file: claude_desktop_config.json, ~/.cursor/mcp.json, ~/.codeium/windsurf/mcp_config.json, ~/.gemini/settings.json):

{
  "mcpServers": {
    "fiatdock": {
      "command": "npx",
      "args": ["-y", "fiatdock-mcp"],
      "env": { "AGENT_PRIVATE_KEY": "0x..." }
    }
  }
}

Claude Code

claude mcp add fiatdock -e AGENT_PRIVATE_KEY=0x... -- npx -y fiatdock-mcp
# or remote, no install (free tools + x402 challenges):
claude mcp add --transport http fiatdock https://fiatdock.com/mcp

VS Code (Copilot agent mode)

.vscode/mcp.json:

{
  "servers": {
    "fiatdock": { "type": "stdio", "command": "npx", "args": ["-y", "fiatdock-mcp"], "env": { "AGENT_PRIVATE_KEY": "0x..." } }
  }
}

OpenAI Agents SDK / LangChain / CrewAI

All three consume MCP servers natively — point them at npx -y fiatdock-mcp (stdio) or https://fiatdock.com/mcp (Streamable HTTP):

# OpenAI Agents SDK
from agents.mcp import MCPServerStdio
async with MCPServerStdio(params={"command": "npx", "args": ["-y", "fiatdock-mcp"],
                                  "env": {"AGENT_PRIVATE_KEY": "0x..."}}) as fiatdock: ...

# LangChain (langchain-mcp-adapters)
from langchain_mcp_adapters.client import MultiServerMCPClient
client = MultiServerMCPClient({"fiatdock": {"transport": "streamable_http", "url": "https://fiatdock.com/mcp"}})

# CrewAI (crewai-tools)
from crewai_tools import MCPServerAdapter
tools = MCPServerAdapter({"url": "https://fiatdock.com/mcp", "transport": "streamable-http"})

How a typical off-ramp flows

  1. get_quote (free) — agent checks the rate and the full fee breakdown.
  2. create_offramp_session — pays $1.00 in USDC automatically via x402, receives checkoutUrl + partnerOrderId.
  3. The agent forwards checkoutUrl to its human owner (valid ~2 hours). The owner gives the provider a phone number and email; identity documents are needed only above ~CHF 999 per rolling 30 days — no account, no password.
  4. get_order_status (or a signed callback) confirms COMPLETED.

Security

Found a vulnerability? Please report it privately to osama@fiatdock.com — see SECURITY.md. Never open a public issue for security reports.

License

MIT