@moneolabs/mcp

@moneolabs/mcp

An MCP server that hands any agent host a guarded wallet — and, when you want it, trading — with keys the model never sees and a policy that runs before anything is signed. A refusal comes back as a result with a reason, not an exception, so the model reads why it was stopped instead of retrying into oblivion.

Try it in one command

No API key, no account. The sandbox serves a funded wallet on an in-memory ledger with test funds and a simulated venue:

npx @moneolabs/mcp

Claude Code

claude mcp add moneo -- npx @moneolabs/mcp

Claude Desktop, Cursor, and friends

{
  "mcpServers": {
    "moneo": {
      "command": "npx",
      "args": ["@moneolabs/mcp"]
    }
  }
}

Tools

Tool	What it does
get_balance	Balance and what is not already committed
preflight_payment	Would this payment pass, without making it
pay	Pay an address, invoice, or x402 endpoint; policy runs first
get_spending_limits	Limits in force and what is left of each budget
list_payments	Payments made this session
get_quote	Price a trade across venues without committing
execute_order	Quote and execute: market, limit, TWAP, or bracket
list_positions	Open positions with cost basis and unrealized P&L
close_position	Exit with the same guarantees as entry

Configure the sandbox

Environment variables, because MCP host configs pass env:

Variable	Default
MONEO_AGENT	sandbox-agent	Identity recorded on every decision
MONEO_FUNDING	5,000 USDG	Starting balance
MONEO_ASSET	USDG	Default asset
MONEO_POLICY	built-in cautious policy	Path to a policy JSON file

{
  "mcpServers": {
    "moneo": {
      "command": "npx",
      "args": ["@moneolabs/mcp"],
      "env": {
        "MONEO_POLICY": "/etc/agents/overnight-policy.json",
        "MONEO_FUNDING": "10,000 USDG"
      }
    }
  }
}

A policy file is the same shape createGuard takes:

{
  "perTransaction": { "max": "$400" },
  "rolling24h": { "max": "$2,000" },
  "velocity": { "max": 10, "per": "1h" },
  "counterparties": "allowlist-only",
  "allow": ["x402:*", "venue:*"],
  "escalate": { "above": "$1,000" }
}

Serve your own wallet

The sandbox is a default, not a ceiling. Wire the server to whatever signer and rail you run in production:

import { createMcpServer, serveStdio } from "@moneolabs/mcp";
import { createGuard } from "@moneolabs/guard";
import { createWallet } from "@moneolabs/wallet";

const guard = createGuard(policy);
const wallet = await createWallet({ agent: "ops-03", signer, rail, guard });

await serveStdio(createMcpServer({ wallet, guard, trading }));

Part of Moneo: autonomous finance for AI agents on Robinhood Chain. MIT.