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Check payee before paying

check_payee
Read-onlyIdempotent

Payee risk check. Screens a payee wallet address and name against the OFAC SDN sanctions list and checks the merchant domain's registration age and DNS. Returns risk low|medium|high|unknown with flags such as sanctioned_address, sanctioned_name_possible, new_domain. Call this before a USDC payment when you only have a payee name, wallet or domain. Provide at least one of domain, address, or name; inputs may be combined, and domain accepts a hostname or URL. For an x402 challenge or cart and an allow/hold/block spending-rule decision, use preflight_payment instead. Price $0.01 per call (free trial first). Price: 0.01 USDC. Minimal input example: {"name":"Example Shop LLC"}. Illustrative output excerpt: {"risk":"low","flags":[],"sanctions":{"address_match":null,"name_matches":[]},"domain":null,"data_as_of":"2026-10-30T00:00:00Z","disclaimer":"Illustrative non-match, not sanctions clearance."}. Illustrative output excerpt, not a live result, signature, approval or guarantee. Freshness/data/availability checks still apply. How to pay (MCP): First use the existing shared allowance of 3 eligible calls per IP per UTC day, without payment metadata. This is shared with eligible HTTP trials, not a new allowance. Use an x402-capable MCP client. A generic MCP connector without payment support cannot complete a paid continuation. On payment required, STOP. Inspect the exact accepts amount, asset, network and payTo; obtain explicit wallet/budget approval before continuing. Only after approval, let the configured x402 MCP client attach its signed payload in _meta["x402/payment"] and retry the same tools/call arguments. Never send a separate USDC transfer or paste keys into tool arguments. Never silently fall back from free access to payment. If a signed attempt has an unknown outcome, inspect that authorization/transaction; do not create another automatically.

Input Schema

NameRequiredDescriptionDefault
nameNoMerchant or payee legal name
domainNoMerchant domain or URL, e.g. shop.example.com
addressNoPayee wallet address (EVM 0x…, BTC, etc.)

Output Schema

NameRequiredDescriptionDefault
riskYesOverall payee risk
flagsYese.g. sanctioned_address, sanctioned_name_exact, sanctioned_name_possible, new_domain, domain_no_dns
domainNoDomain age/DNS signals, or null if no domain given
sanctionsYesOFAC SDN matches
data_as_ofYesTimestamp of the sanctions data used
disclaimerYes

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • addedInput schema / description
      Added value: +"Example arguments: {\"name\":\"Example Shop LLC\"}"
  2. Changed1 schema field changed
    • changedInput schema / properties / address / description
      Previous value: -"Payee wallet address (EVM 0x…, BTC, etc.)"New value: +"Payee wallet address (EVM 0x…, BTC, etc.)"
  3. First observed

TDQS

A4.4/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations only declare readOnly/idempotent/openWorld; the description adds the actual screening sources, the risk enum returned, example flags, the freshness disclaimer, and the full free-trial-then-paid-x402 flow including what not to do. The only deduction is the boilerplate payment prose restated in several forms, some of which repeats rather than adds.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness3/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Essential purpose, trigger and alternative are front-loaded in the first three sentences. The tail, however, is a long payment-mechanics block plus two overlapping 'illustrative output excerpt / not a live result' disclaimers that pad rather than inform.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

An output schema exists, yet the description still explains the risk levels and flags usefully; combined with pricing, the at-least-one-input rule, and the sibling routing, an agent has everything needed to call it. Minor redundancy with the output schema rather than a gap.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100% (baseline 3), but the description adds a constraint the schema does not express: all three params are optional yet 'at least one of domain, address, or name' is required, and inputs may be combined. It also restates that domain accepts hostname or URL, which the schema already says.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific verb and resource ('Screens a payee wallet address and name against the OFAC SDN sanctions list and checks the merchant domain's registration age and DNS') and names the sibling it is not (preflight_payment). An agent can distinguish it from check_token, check_endpoint and preflight_payment without opening a schema.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Explicit trigger condition ('Call this before a USDC payment when you only have a payee name, wallet or domain') plus an explicit alternative and the condition that selects it ('For an x402 challenge or cart... use preflight_payment instead'). Nothing is left to inference.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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