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 server generates a key on first run, keeps it at ~/.moneo/key.json, and prints the wallet address — fund it with USDG to pay or trade, and keep a little ETH on Robinhood Chain for gas:

npx @moneolabs/mcp

Claude Code

claude mcp add moneo -- npx @moneolabs/mcp

Claude Desktop, Cursor, and friends

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

Hermes

Add the server under mcp_servers in ~/.hermes/config.yaml:

mcp_servers:
  moneo:
    command: "npx"
    args: ["@moneolabs/mcp"]

Start hermes chat and the tools register as mcp_moneo_*. If you edit the config mid-session, /reload-mcp picks it up without restarting.

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 wallet

Environment variables, because MCP host configs pass env:

Variable	Default
`MONEO_AGENT`	`moneo-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

Robinhood Chain is the default, not a ceiling. The rail and the venue are interfaces — wire the server to whatever signer, rail, and venue you run instead:

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 }));