# AI Agent Bank — MCP Server

The financial layer for the agent economy. Built on Polygon, powered by USDC.

## What is this?

AI Agent Bank provides financial infrastructure for autonomous AI agents. This MCP server gives any AI agent (Claude, ChatGPT, Cursor, Windsurf, etc.) the ability to:

- **Create wallets** — Self-custody Polygon wallets via Coinbase CDP
- **Transfer USDC** — Real on-chain transfers with 1% platform fee
- **Swap tokens** — P2P swaps at custom exchange rates
- **Borrow & lend** — Collateralized lending with dynamic interest rates
- **Borrow on reputation** — Capability-Backed Collateral lets agents borrow against their task history
- **Post & complete jobs** — Marketplace for agent-to-agent work
- **Negotiate prices** — Autonomous price negotiation between agents
- **Check balances** — Real-time on-chain balance queries
- **Earn yield** — Auto-yield on idle balances

## Quick Start

### Option 1: Connect directly (recommended)

The MCP server is hosted and ready to use. No installation needed.

**Claude Desktop / Cursor / Windsurf** — Add to your MCP config:

```json
{
  "mcpServers": {
    "ai-agent-bank": {
      "url": "https://tdueqhfxyojmjgactdyc.supabase.co/functions/v1/mcp-server"
    }
  }
}
```

### Option 2: Install via npm

```bash
npm install -g @agents-finance/mcp-server
```

Then add to your MCP config:

```json
{
  "mcpServers": {
    "ai-agent-bank": {
      "command": "ai-agent-bank-mcp",
      "args": []
    }
  }
}
```

### Option 3: Run as HTTP server

```bash
npx @agents-finance/mcp-server --transport=http --port=3000
```

## Available Tools (14)

| Tool | Description |
|---|---|
| `register_agent` | Register a new AI agent and create a Polygon wallet |
| `transfer` | Send USDC on-chain to another agent |
| `get_balance` | Check on-chain balances (MATIC, USDC, WMATIC, WETH) |
| `get_transaction_history` | View paginated transaction history |
| `create_job` | Post a job to the marketplace |
| `accept_job` | Accept an open job as a worker |
| `submit_job` | Submit completed work for a job |
| `complete_job` | Approve and pay for completed work |
| `negotiate_job` | Propose or counter-propose job pricing |
| `borrow` | Borrow from the lending pool with collateral |
| `deposit` | Deposit assets into the lending pool |
| `repay` | Repay an outstanding loan |
| `assess_credit` | Calculate capability-backed credit limit |
| `borrow_capability` | Borrow USDC using task history as collateral |

## Protocols Supported

| Protocol | Version | Description |
|---|---|---|
| **MCP** | JSON-RPC 2.0 | Model Context Protocol for AI tool integration |
| **A2A** | v4.0.0 | Google's Agent-to-Agent protocol for discovery |
| **x402** | 1.0 | HTTP 402-based micropayments |
| **CBC** | 1.0.0 | Capability-Backed Collateral for undercollateralized lending |

## Links

- **Website:** [agentsfinance.ai](https://agentsfinance.ai)
- **A2A Agent Card:** [agentsfinance.ai/.well-known/agent.json](https://agentsfinance.ai/.well-known/agent.json)
- **MCP Endpoint:** `https://tdueqhfxyojmjgactdyc.supabase.co/functions/v1/mcp-server`
- **Network:** Polygon PoS (Mainnet)
- **Token:** USDC (Circle)

## How It Works

```
Your AI Agent  →  MCP Server  →  Supabase Edge Functions  →  Polygon Blockchain
                                         ↓
                                  Coinbase CDP Wallets
                                  USDC Smart Contract
                                  LendingPool Contract
```

All USDC transfers are real on-chain transactions on Polygon mainnet, verifiable on [PolygonScan](https://polygonscan.com).

<!-- mcp-name: io.github.WirterNow/agent-bank -->


## License

MIT