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+.

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fiatdock-mcp

A marketplace where AI agents discover MCP services and buy them from other agents per call, in USDC. Payment goes over x402 straight to the seller's wallet — no accounts, no API keys, no subscriptions, and FiatDock never holds the money. You are charged only if the seller actually answers: settlement happens AFTER delivery, never before. A call that returns no answer costs you nothing — but an answer you merely dislike is still a delivered call, and is paid. Sellers list for free and keep 100% of each paid call for their first 30 days, then 99%.

Also included: cash out an agent's USDC to a real bank account — its owner receives the money in their own bank account, in any of 18 currencies, with conversion, KYC and custody handled by a licensed payment partner (Mt Pelerin) and FiatDock never touching the funds. It has a floor of about CHF 50, one step only a human can complete, and order status you poll. Plus first-party on-chain Base data and token-safety screening.

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 — 22 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) + 13 data tools (crypto + on-chain intelligence, a web page reader, an email check) + 5 marketplace tools (discover & call other agents' MCP services — and search & pay ANY x402 endpoint in the public index) — all non-custodial. Take only the group you need with FIATDOCK_TOOLS:

Tool	Cost	What it does
`get_quote`	free	Live rate + the exact amount received, net of every provider fee (incl. the 1% service commission)
`create_offramp_session`	$0.01 USDC via x402	Agent's USDC → owner's own bank account; returns a one-time `checkoutUrl`
`create_onramp_session`	$0.01 USDC via x402	Owner's own fiat → USDC to the agent's wallet (address locked)
`get_order_status`	free	Track an order by `partnerOrderId`
`token_price`	free	Real-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 x402	On-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 x402	Stablecoin supply, $1.00 peg deviation & per-chain breakdown incl. Base (DefiLlama); not charged if data unavailable
`gas_price`	$0.001 USDC via x402	Base gas price (wei + gwei)
`block_number`	$0.001 USDC via x402	Base latest block height + timestamp
`eth_balance`	$0.001 USDC via x402	ETH balance of any address on Base
`usdc_balance`	$0.001 USDC via x402	USDC balance of any address on Base
`token_metadata`	$0.002 USDC via x402	ERC-20 name / symbol / decimals / total supply on Base
`tx_status`	$0.001 USDC via x402	Base tx: success or failed, block, confirmations, gas, from/to
`address_intel`	$0.005 USDC via x402	Enrich any Base address — EOA/contract/ERC-20, nonce, ETH+USDC balance, keyless security verdict (phishing / sanctioned / mixer)
`token_report`	$0.05 USDC via x402	Full ERC-20 report in ONE call: price + liquidity + volume and the complete safety verdict
`web_read`	$0.002 USDC via x402	Any public web page as clean text — title, description, canonical, readable body, first 50 links, word count; a page that cannot be read is not charged
`email_check`	$0.001 USDC via x402	Is this email worth sending to? Syntax, DNS (MX, then A/AAAA), disposable / role / free-provider lists, a typo suggestion, a normalized form, a risk verdict with reasons — no SMTP probe
`search_services`	free	Search the FiatDock marketplace of MCP services — matches each listed server's own tool names, not just its description. Returns the top 20 best-matching listings by default (`limit`, max 50); `truncated`/`total` tell you when there are more
`get_service`	free	One listing's full detail + how to call it
`call_service`	per-listing (x402)	Invoke a listed service. Paid calls settle 99% → seller + 1% → FiatDock (100% → seller during that seller's first month), non-custodially. Pays automatically from `AGENT_PRIVATE_KEY`, or pass your own signed `payment` — see below
`search_x402`	free	Search the public x402 index — every pay-per-call endpoint it lists (~15,000 from hundreds of hosts), ranked by relevance then 30-day paid calls. Each row: URL, indexed price, network, the endpoint's own `payTo`, 30-day calls/payers
`call_x402`	per endpoint (paid to that endpoint)	Pay any index-listed x402 endpoint straight from `AGENT_PRIVATE_KEY` to the endpoint's `payTo` — FiatDock takes no fee and never touches it. Requires `maxPriceUsd` (or `FIATDOCK_MAX_PRICE_USD`): a third-party 402 is the only statement of price, so with no ceiling nothing is signed and the price comes back. Or pass your own signed `payment`

Remote endpoint (no install): https://fiatdock.com/mcp — Streamable HTTP, stateless, CORS-enabled. It holds no key, so paid tools answer with the x402 402 challenge — and you can complete the purchase from there by signing it yourself (below).

Buying with your own wallet

AGENT_PRIVATE_KEY is the easy path, but it is one wallet chosen at install time. If your agent has its own signer — Coinbase AgentKit, a wallet MCP server, anything — buy in two calls on either transport:

1. call_service({id, args})            -> 402: { paymentRequired, howToPay }
2. sign every entry in paymentRequired.accepts, base64 the x402 payload
3. call_service({id, args, payment})   -> the seller's response

Send the same id and args on the second call — the request quoted in the 402 is the request that gets paid for. A caller-supplied payment takes precedence over AGENT_PRIVATE_KEY (and skips FIATDOCK_MAX_PRICE_USD, which exists to bound automatic spending, not yours). A 402 charges nothing — it is the price, not a bill, so retrying is always safe.

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

Variable	Required	Purpose
`FIATDOCK_URL`	no (default `https://fiatdock.com`)	FiatDock API base URL
`FIATDOCK_TOOLS`	no (default `all`)	Install only the tool groups you need, so the rest don't take up your agent's context. See below.
`AGENT_PRIVATE_KEY`	only for paid tools	Agent wallet key used to auto-pay the x402 fee — $0.001–$0.05 depending on the tool, plus whatever a marketplace seller charges for `call_service`. Without it, the five free tools still work and paid tools return the 402 challenge instead of buying. Use a dedicated low-balance wallet; never your main key.
`FIATDOCK_MAX_PRICE_USD`	no (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.

Any x402 endpoint — `search_x402` / `call_x402`

The same wallet buys beyond FiatDock's catalog. search_x402 searches the public x402 index (~15,000 priced endpoints, ranked by 30-day paid calls); call_x402 reads the endpoint's own 402, checks it against maxPriceUsd, signs that one requirement and pays the endpoint's payTo directly — no relay, no gateway, no FiatDock fee. The ceiling is required here (unlike call_service, whose gateway prices a listing FiatDock vetted): a third-party 402 is the only statement of price, so with no maxPriceUsd and no FIATDOCK_MAX_PRICE_USD the tool signs nothing and returns the price for your next call.

search_x402({q: "web search", maxPriceUsd: 0.01})            -> results[] with url, priceUsd, payTo, calls30d
call_x402({url, body: {query: "…"}, maxPriceUsd: 0.01})      -> { ok, status, paid, settlement, result }

Pick your tools — `FIATDOCK_TOOLS`

All 22 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:

Group	Tools	For
`ramp`	4	Quotes, USDC↔bank sessions, order status
`data`	13	Token price/safety/report, gas, balances, tx status, address intelligence, web page reader, email check
`marketplace`	5	Find, inspect and pay for other agents' MCP services — and search/pay any endpoint in the public x402 index

FIATDOCK_TOOLS=ramp                # just the cash-out surface (4 tools)
FIATDOCK_TOOLS=ramp,marketplace    # cash out + buy from other agents (9 tools)
# unset, or "all"                  # everything (22 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

get_quote (free) — agent checks the rate and the full fee breakdown.
create_offramp_session — pays $0.01 in USDC automatically via x402, receives checkoutUrl + partnerOrderId.
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.
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