Cosmos Pay MCP server

An MCP server for the Cosmos Pay Payments API. It lets an AI agent (Claude Code, Claude Desktop, Cursor, VS Code, Windsurf and any other MCP client) create stablecoin payment links and check payments on Stellar, Solana and Monad with your API key.

Cosmos Pay is non-custodial: a payment link is a request the customer pays from their own wallet, and the money settles on-chain straight to your address. Nothing in this server signs or moves funds.

Cosmos Pay (cosmospay.lat) is a different project from the Cosmos Network (ATOM).

Tools

Each tool carries MCP annotations (readOnlyHint, destructiveHint), so your client can ask before anything that writes.

Related MCP server: Yolfi MCP Server

Setup

1. Create a secret API key in the Cosmos Pay dashboard (API keys). Start with a dv_ key: it works on test networks with no real money. A prod_ key works on mainnet.

2. Add the server to your MCP client with the key in its environment.

Claude Code

claude mcp add cosmos-pay --env COSMOS_PAY_API_KEY=dv_your_key -- npx -y @cosmosapp/pay_mcp

Claude Desktop, Cursor, Windsurf (claude_desktop_config.json, .cursor/mcp.json, ~/.codeium/windsurf/mcp_config.json)

{
  "mcpServers": {
    "cosmos-pay": {
      "command": "npx",
      "args": ["-y", "@cosmosapp/pay_mcp"],
      "env": { "COSMOS_PAY_API_KEY": "dv_your_key" }
    }
  }
}

VS Code (.vscode/mcp.json)

{
  "inputs": [{ "type": "promptString", "id": "cosmos-pay-key", "description": "Cosmos Pay API key", "password": true }],
  "servers": {
    "cosmos-pay": {
      "type": "stdio",
      "command": "npx",
      "args": ["-y", "@cosmosapp/pay_mcp"],
      "env": { "COSMOS_PAY_API_KEY": "${input:cosmos-pay-key}" }
    }
  }
}

Then ask your agent things like "Create a payment link for 25 USDC on Stellar to my store's address" or "Which payments from this week are still pending?"

Configuration

Security

• The API key is read from the environment only. It is never a tool argument, never logged and never part of a result.

• The key decides the network: every payment the tools return names it (testnet or public), and the server tells the agent which one it is on.

• A key's scopes limit what the server can do: create a key with only the permissions you want the agent to have, or run it read-only.

• Payments settle to the address in the request. Check the destination an agent proposes before you share a link.

Links

• Docs: https://dev.cosmospay.lat/docs/ (index for LLMs: https://dev.cosmospay.lat/docs/llms.txt)

• Payments API reference: https://dev.cosmospay.lat/docs/api/

• JavaScript/TypeScript SDK: @cosmosapp/pay_sdk

• Agent skill for coding agents: CosmosPay-Skill

Development

npm ci
npm run typecheck && npm test && npm run build
COSMOS_PAY_API_KEY=dv_your_key npm run inspect   # MCP Inspector against the built server

Apache-2.0.