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A payments MCP server: USDC ↔ bank

FiatDock ships a Model Context Protocol server that gives any MCP host — Claude Desktop/Code, Cursor, VS Code, Windsurf, Gemini CLI, OpenAI Agents SDK, LangChain, CrewAI — 18 tools: four ramp tools, eleven crypto-data tools (token price/safety/report, address intelligence, and Base gas/blocks/balances/tx-status/metadata), plus three marketplace tools for discovering, inspecting and paying for other agents' MCP services. Listed in the official MCP Registry as com.fiatdock/fiatdock-mcp.

The ramp and marketplace tools (the eleven crypto-data tools and their prices are listed on pricing):

Tool	Cost	What it does
`get_quote`	free	Live rate + every fee itemised (incl. the 1% commission)
`create_offramp_session`	$0.01 via x402	Agent's USDC → owner's own bank account; one-time `checkoutUrl`
`create_onramp_session`	$0.01 via x402	Owner's own fiat → USDC to the agent's wallet (address locked)
`get_order_status`	free	Track an order by `partnerOrderId`
`search_services`	free	Search the MCP-services marketplace by query/category
`get_service`	free	Fetch a listing's details (price, endpoint, rating)
`call_service`	x402 — 99% seller + 1% platform (0% for the seller's first 30 days)	Pay and call another seller's MCP service via the non-custodial gateway (ADR-0006)

Local (auto-pays the x402 fee)

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

Same shape works in Claude Desktop, Cursor, Windsurf and Gemini CLI. AGENT_PRIVATE_KEY is optional — free tools work without it; use a dedicated low-balance wallet.

Remote (zero install)

https://fiatdock.com/mcp

Streamable HTTP, stateless, CORS-enabled, protocol versions 2024-11-05 through 2025-11-25. The remote endpoint holds no key, so paid tools return the x402 402 challenge as tool output — sign it with your own wallet and call call_service again with payment to complete the purchase there, or use the npm package for automatic signing. Try it:

curl -X POST https://fiatdock.com/mcp \
  -H "Content-Type: application/json" -H "Accept: application/json, text/event-stream" \
  -d '{"jsonrpc":"2.0","id":1,"method":"tools/list"}'

No MCP host at all?

tools.json serves the same 18 tools as OpenAI/Gemini function-calling schemas mapped 1:1 to the REST API. Client-by-client setup: INTEGRATIONS.md · package: fiatdock-mcp on npm.

More guides: USDC to bank account API · How an AI agent cashes out crypto · x402 explained · All guides

Compliance (binding): own-account rule — the sending wallet and receiving bank account must belong to the same person (the agent's owner). 18+; served worldwide via our licensed provider across ~160 countries — EUR/SEPA in the EU/EEA (incl. Portugal), card elsewhere; not the UK, US persons or restricted jurisdictions (see Terms). Non-custodial: conversion, KYC and custody by a licensed, regulated payment partner.