Free signed allow/warn/block before paying x402 sellers; test-buys on XRPL, Base and Stellar
Scored across 11 tools
Several tools answer essentially the same question 'should I pay this x402 seller': lumi_trust_check, lumi_verdict, lumi_vendor_scores, and lumi_high_value_check all return overlapping labels/verdicts, and the descriptions admit lumi_verdict has the same data as the free lumi_trust_check. The free/paid and summary/detail distinctions help, but boundaries remain blurry enough to invite misselection.
All tools share a consistent lumi_ prefix and snake_case noun-phrase style (lumi_trust_check, lumi_vendor_report, lumi_wallet_check). It's not a strict verb_noun pattern, but the convention is uniform and readable throughout.
11 tools sits comfortably in the reasonable 3-15 range for a multi-product trust/payment service. There is some redundancy (lumi_verdict vs lumi_trust_check), but overall each tool maps to a product surface.
The surface covers the x402 seller-trust lifecycle well: catalog, quote, free check, paid high-value check with receipt, vendor scores/report, wallet history, monitoring plans, and a data feed. Minor gaps like dispute/appeal handling exist but core workflows are covered.
Free. Lists Lumi API endpoints, live prices (XRP / RLUSD / USDC on the XRP Ledger, USDC on Base, USDC on Stellar), payment settings of this MCP server and the caller wallet address.
Inputs: no named parameters.
Paid: 0.5% of the stated amount, min $0.005, max $0.25 (e.g. $0.05 for amount=10), per call over x402. Before a larger x402 payment: the same label, allow / warn / block verdict and score as the free lumi_trust_check (paying never changes them), plus a live re-check of the seller at call time and a Lumi-signed receipt bound to the stated amount. Pass url and the USD amount you are about to pay (and optionally the payTo in its quote). The exact price for your amount is in the x402 quote (see lumi_quote).
Inputs: url (required), amount (required), payTo.
Free. Shows the x402 price quote (XRP / RLUSD / USDC on the XRP Ledger, USDC on Base, USDC on Stellar) for any Lumi paid path, e.g. /v1/trust/check/high-value?url=...&amount=10, without paying. A 503 means the data is not fresh right now and the call would not be sold.
Inputs: path (required).
Free. A truncated, clearly labelled SAMPLE of each paid product (high_value_check, vendor report) with its USD price and full URL, so you can see the shape and quality before paying. Lists are cut to 2 entries; up to 10 minutes old. Pass route to get one product.
Inputs: route.
Free. Seller monitoring for x402 sellers: Watch and Watch Pro plans per endpoint per 30 days, a one-off audit, test-buy packs, a free Watch tier and a 14-day Watch trial (prices are returned by this tool and in each 402). No auto-renew; payTo proven by signature; paying never changes a score. No args: plans, enrolment steps and safeguards. enrollment_id: that seller's public entry (disclosure, findings, replies) and live badge status. Plans are paid over x402 at the REST URL.
Inputs: enrollment_id.
Free (rate-limited per client and per day). Should I pay this x402 URL? Start here before any paid tool. One label (checks_passed / check_first / checks_failed / no_data) plus the allow / warn / block verdict with coded reasons, from Lumi's daily CDP Bazaar index, free 402-quote checks and Lumi's own test-buys (Base USDC for Bazaar listings; XRPL only for a small curated vendor list, counted separately). Pass url, and optionally the payTo and USD amount you were quoted, to catch address or price mismatches. Links the free lookup and, for curated vendors, the paid full report. Observations, not a guarantee. Near the top of the result, paid_option names the paid high-value check (lumi_high_value_check; its price is in its own description), which returns the same verdict and score.
Inputs: url (required), payTo, amount.
Free. Licensed trust data feed for facilitators, wallets and frameworks: a free key with a monthly lookup allowance (wallet signature), metered extra lookups, and Feed and Feed Pro plans (snapshot export, webhooks). Returns plans, prices, endpoints and licence terms (no resale, attribution).
Inputs: no named parameters.
Detailed report on one x402 vendor from Lumi's trust list: full observation history (every free 402-quote check over 90 days, every paid test-buy with tx hash and delivered yes/no), latency stats and 7-day trend, uptime % (24h/7d/30d/90d) and daily series, quoted-price history, agent reports, vendor replies, sample sizes and confidence labels. Automated observations, not a rating. Paid: $0.02 per call over x402 (USDC on Base, XRP / RLUSD / USDC on the XRP Ledger, or USDC on Stellar; the live quote is in lumi_quote). The free summary is lumi_vendor_scores.
Inputs: vendor_id (required).
Free. Check an x402 seller before you pay it: pass url (the resource you are about to buy), domain, or payTo (the address in its 402 quote, case-insensitive). Lumi ingests the full CDP x402 Bazaar catalog daily and runs free, unpaid 402-quote checks of listings on a rotating schedule (valid quote, price and payTo vs the listing, latency, domain age; live coverage counts in the response), labelled 'quote-checked, low confidence', plus Lumi's own test-buys confirmed on-chain, labelled 'test-bought' and counted per chain (Base USDC buys of Bazaar listings; XRPL buys of a small curated list, separately). Answer-only: the full coded verdict is in the free lumi_trust_check. Observations, not ratings; no match is not a negative finding. With no arguments: the curated XRPL vendor scores and catalog counts; vendor_id gives one curated vendor's summary (tx evidence is in the paid vendor report).
Inputs: url, payTo, domain, vendor_id.
Paid: $0.01 per call over x402 at GET /v1/verdict (this tool returns the price terms; the free lumi_trust_check and the free signed /v1/check have the same data, so try them first). Before paying an x402 URL or seller domain: one label from the same data and signing key as /v1/check: checks_passed (Delivered in recent checks), check_first (Check first), checks_failed (Recent checks failed) or no_data (Not enough data), with as-of date, evidence window, conclusive test-buy count, last delivered/failed dates, reason codes, evidence and appeal links, and observed on-chain payments as ranges only. Paying Lumi never changes a result. Observations, not a guarantee.
Inputs: url (required), payTo, amount.
Free (rate-limited, 100 a day). Pass a public wallet address (Base 0x..., XRP Ledger r... or Stellar G...) to list the x402 sellers that wallet paid in the last 90 days, each with the same plain summary line as lumi_trust_check (how many times Lumi test-bought it and how many delivered, or that Lumi has not test-bought it yet) and simple flags (listing looks dead, no longer listed, recent checks failed, repeat or possible duplicate payments). Base reads Lumi's index of public USDC transfers into CDP Bazaar payTos; XRPL and Stellar read the latest 200 ledger entries. Public data only; Lumi does not store the address. No price comparisons. Observations, not a guarantee.
Inputs: address (required).
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x402 payment firewall + Agent Credit Bureau. Invoice/verify/score via RLUSD on XRPL.
Wallet trust scores for AI agents. Stellar, XRPL, EVM 81+ chains. OFAC sanctions. x402 payments. Multi-chain wallet trust scoring for AI agents. Score Stellar, XRPL, and EVM wallets across 81+ chains with real-time OFAC/UN/EU sanctions screening. Pay per query via x402 USDC micropayments on Stellar or Base — no accounts, no API keys required.
Preflight before paying any x402 tool (ok|caution|avoid + history). 1 free/wallet; then $0.01 Base.
XRPL token rug-checks, issuer reputation & AMM data for AI agents. Pay-per-call USDC via x402.
Add one secure layer between your agents and this server.
