cardzero-mcp

Server Quality Checklist

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Latest release: v0.2.0
Disambiguation4/5
Tools have distinct purposes overall, but send_payment and pay_x402 both involve sending payments, potentially causing slight confusion. Descriptions help differentiate them.
Naming Consistency5/5
All tools follow a consistent verb_noun pattern with underscores, e.g., create_job, get_balance, send_payment. No mixing of styles.
Tool Count5/5
10 tools cover the core wallet and job escrow functionality without being excessive or insufficient for the stated purpose.
Completeness4/5
Core workflows are covered, but missing tools like list_jobs or cancel_job could hinder full lifecycle management. Minor gap.
Average 4/5 across 10 of 10 tools scored. Lowest: 3.2/5.
See the Tool Scores section below for per-tool breakdowns.
- No community issues in the last 6 months
- 0 commits in the last 12 weeks
- No stable releases found
- No critical vulnerability alerts
- No high-severity vulnerability alerts
- No code scanning findings
- CI status not available
This repository is licensed under MIT License.
This repository includes a README.md file.
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}
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How is the quality score calculated?

The overall quality score combines two components: Tool Definition Quality (70%) and Server Coherence (30%).

Tool Definition Quality measures how well each tool describes itself to AI agents. Every tool is scored 1–5 across six dimensions: Purpose Clarity (25%), Usage Guidelines (20%), Behavioral Transparency (20%), Parameter Semantics (15%), Conciseness & Structure (10%), and Contextual Completeness (10%). The server-level definition quality score is calculated as 60% mean TDQS + 40% minimum TDQS, so a single poorly described tool pulls the score down.

Server Coherence evaluates how well the tools work together as a set, scoring four dimensions equally: Disambiguation (can agents tell tools apart?), Naming Consistency, Tool Count Appropriateness, and Completeness (are there gaps in the tool surface?).

Tiers are derived from the overall score: A (≥3.5), B (≥3.0), C (≥2.0), D (≥1.0), F (<1.0). B and above is considered passing.

Tool Scores

Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations provided, so description carries full burden. It only says 'View recent payment history' but doesn't disclose that it returns a list, ordering, or side effects. Minimal behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
Single sentence, no extraneous information. Efficient and front-loaded.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
No output schema, and description does not explain what the response contains (e.g., list of payment objects). For a simple listing tool, more detail on return format or default behavior would be helpful.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100% for parameters (limit and offset). Description adds no value beyond the schema; baseline of 3 is appropriate.
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?
The description clearly states it lists payment history for the wallet, using a specific verb and resource. It distinguishes from siblings like get_payment (single) and send_payment (send).
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance on when to use this tool vs alternatives like get_payment for a specific payment or send_payment for sending. No mention of pagination or filtering implications.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior3/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries full burden. It states the tool is read-only and requires no authentication, which are key behavioral traits. However, it does not detail error handling or possible status values, leaving some transparency gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is extremely concise with two sentences, no redundant information. Every word contributes to understanding the tool's purpose and a key constraint (no auth).
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?
For a simple tool with one parameter and no output schema, the description covers the core purpose and a notable behavioral attribute. It lacks detail on return format or possible statuses, but given the tool's simplicity, it is largely complete.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100% for the single parameter paymentId, which is clearly described as 'Payment ID (pay_...)'. The description adds context ('Check the status') but does not significantly enhance meaning beyond the schema.
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?
The description clearly states 'Check the status of a specific payment by its ID', which is a specific verb-resource combination. It distinguishes from sibling tools like list_payments (which lists multiple) and send_payment (which creates payments).
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines3/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description mentions 'No authentication required', which is a usage condition but does not explicitly guide when to use this tool versus alternatives like list_payments or send_payment. Usage is implied but not fully specified.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior3/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must disclose behavior. It mentions the automatic 2% service fee deduction, but does not cover return types, gas costs, or reversibility. Some transparency, but incomplete.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
Two concise sentences. First states purpose, second adds fee and confirmation instructions. No unnecessary words; each sentence adds value.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema and no annotations, the description should explain return values or side effects. It does not mention what the tool returns (e.g., transaction hash) or any network-related details, leaving important gaps.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100%, so baseline is 3. The description adds the confirmation guidance but does not add meaning beyond the schema's parameter descriptions.
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?
The description clearly states it sends a USDC payment to any Ethereum address. The verb 'Send' and resource 'USDC payment' are specific, and it distinguishes from siblings like 'pay_x402' and read-only tools like 'get_payment'.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines4/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description instructs to confirm amount and recipient with the user before calling, providing clear usage guidance. However, it does not explicitly differentiate when to use this tool versus the sibling 'pay_x402'.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior3/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description indicates a read operation but does not disclose any behavioral details beyond that, such as whether it is rate-limited or requires authentication. Since no annotations are provided, the description carries the burden, which is only partially met.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single sentence that is front-loaded with the verb 'Check', and every word is essential. There is no fluff.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema, the description does not explain what the return value looks like (e.g., a number or string). The tool is simple, but the agent might benefit from knowing the output format.
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?
With zero parameters and 100% schema coverage, the description adds no parameter information, but the baseline for 0 parameters is 4. The description is adequate for a parameterless tool.
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?
The description clearly states it checks the current USDC balance of the CardZero wallet, using a specific verb and resource. It distinguishes from siblings like create_job or create_wallet, which are clearly different operations.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines3/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
No explicit guidance on when to use this tool or when not to. It is implied that it is used when the agent needs to check the balance, but no alternatives or exclusions are mentioned.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior3/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations, so description carries full burden. Mentions returning paymentHeader but lacks details on failure modes, irreversibility, or confirmation steps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
Two sentences, no fluff, front-loaded with purpose. Every word earns its place.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
No output schema; description covers return value usage but omits error handling, balance checks, and other important behavioral context for a payment tool.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100% with good parameter descriptions; description adds context for the returned header but doesn't significantly improve parameter understanding.
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?
Clear verb 'Pay' and specific resource 'x402-protected HTTP resource' distinguish it from siblings like send_payment. States use case after 402 response.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines4/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly says 'Use after receiving a 402 response'. Missing explicit alternatives among siblings, but context is strong.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior3/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that no authentication is needed and that it returns a wallet address and claim key, which is helpful. However, it does not mention potential side effects or idempotency, so it's adequate but not exceptional.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
Two concise sentences that cover purpose and key behavioral info without any fluff. Every word earns its place.
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?
The description is complete for a simple creation tool with one optional parameter. It specifies the return values despite no output schema, and the lack of annotations is partially compensated by clear behavioral statements. Minor gap: it doesn't mention if wallet creation is idempotent.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema has 100% coverage with a single optional parameter ('name') that already includes a description. The tool description adds no additional meaning to this parameter, which is acceptable given the schema's completeness.
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?
The description clearly states the action ('Create a new CardZero wallet') and specifies the outputs ('Returns a wallet address and one-time claim key for the human owner'). It distinguishes itself from sibling tools like create_job or fund_job by focusing solely on wallet creation.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines4/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explicitly states 'No authentication required,' providing a key usage condition. While it doesn't mention alternatives or exclusion scenarios, this is reasonable for a creation tool and leaves little ambiguity.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior3/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Without annotations, the description carries full burden. It explains the escrow mechanism and provider requirement but omits details like expiry behavior, cancellability, or what happens on submission failure. Adequate but not comprehensive for a financial tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
Three sentences with no waste. First sentence states purpose, second gives usage context and alternative, third provides prerequisite. Efficiently structured and front-loaded.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the complexity (7 params, nested evaluatorRule, no output schema), the description is relatively complete but misses behavioral details like what happens when job expires or if conditions aren't met. Without annotations, more context on return values or side effects would improve completeness.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100%, so the input schema already documents all parameters with descriptions. The description adds no additional semantic value for parameters beyond usage guidance, thus baseline score of 3 is appropriate.
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?
Description clearly states the tool creates a job that escrows USDC for A2A service delivery. It distinguishes itself from send_payment for direct transfers, providing a specific verb and resource with a clear delineation from siblings.
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?
Explicitly tells when to use (A2A service delivery vs send_payment) and includes a prerequisite: confirm budget and provider with user, and provider must have a CardZero wallet. This is high-quality guidance for an AI agent.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior4/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full burden. It reveals that the deliverable hash is posted on-chain and that the evaluator auto-approves or rejects, which adds important behavioral context beyond the operation itself.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is extremely concise, with two sentences that front-load the key purpose and side. Every word adds value, no filler.
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?
The description explains the flow and status transition, which is helpful given no output schema. However, it lacks details on return values or error conditions, which would improve completeness.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
All input parameters have descriptions in the schema (100% coverage), so the baseline is 3. The description does not add new meaning beyond what the schema already provides.
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?
The description clearly states the tool submits a deliverable for a Job on the provider side, using specific verbs and resources. It distinguishes itself from sibling tools like create_job or fund_job by focusing on submission.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines4/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies usage after the job is funded (Status: funded → submitted) but does not explicitly state prerequisites or when not to use it. Alternatives are not mentioned, but the context makes it clear.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior4/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description fully carries the burden. It discloses that the operation is read-only and publicly accessible, which are key behavioral traits. However, it does not specify error handling or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is two sentences front-loading the core purpose and adding a critical access note. Every sentence adds value with no redundancy.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness5/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
The tool is simple with one parameter and no output schema. The description adequately covers what is returned and access requirements, meeting completeness needs.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100% for the single parameter 'jobId', which is described as 'Job ID (job_...)'. The description adds no further meaning beyond the schema, so baseline 3 is appropriate.
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?
The description clearly states the tool retrieves the current state of a Job, listing specific fields (status, budget, transactions, evaluation outcome). This distinctively separates it from sibling tools like create_job (creation) and fund_job (funding).
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines4/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
It explicitly states no authentication is required and the job state is public, giving clear context for when to use. However, it does not explicitly mention when not to use or name alternative tools.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior5/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description fully discloses the tool's behavior: it performs two on-chain operations (USDC.approve and Jobs.fund), changes status from 'open' to 'funded', and requires the job to be open. This is transparent for a mutation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is three sentences with no wasted words. It front-loads purpose, then constraints, then operations. Every sentence serves a distinct purpose.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness5/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's simplicity (one parameter, no output schema, but involves on-chain actions), the description covers purpose, prerequisites, side effects, and resulting state. No gaps remain.
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?
The single parameter jobId has a schema description clarifying it's the ID from create_job. The description adds value by specifying the origin of the ID, which helps the agent understand the required input beyond the schema.
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?
The description clearly states the verb 'Fund' and resource 'Job created via create_job', distinguishes it from sibling tools like create_job (which creates), and specifies the action of locking USDC into escrow.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines4/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
It explicitly requires the Job to be in 'open' state and describes the two on-chain operations. However, it does not explicitly state when not to use or list alternatives, though the context is clear.
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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