# thePaymentsNotes Ledger (remote · tpn-gateway.alwaysarafath.workers.dev)

Verified agentic-commerce protocol status + merchant agent-readiness reports. Free on testnet.

- Trust score: 77/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-04

## Components

- remote · `tpn-gateway.alwaysarafath.workers.dev`: 77/100 (this document), [markdown](https://verifymcp.io/servers/alwaysarafath-thepaymentsnotes-ledger/tpn-gateway.md), [page](https://verifymcp.io/servers/alwaysarafath-thepaymentsnotes-ledger/tpn-gateway)

## Channel facts

- Endpoint: `https://tpn-gateway.alwaysarafath.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.3.0-testnet`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-04.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 69/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1047 tokens (~174/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 80/100
  - Stability observed for 24 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 6 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the thePaymentsNotes Ledger MCP server?

thePaymentsNotes Ledger is a hosted endpoint at https://tpn-gateway.alwaysarafath.workers.dev/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http alwaysarafath-thepaymentsnotes-ledger 'https://tpn-gateway.alwaysarafath.workers.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "alwaysarafath-thepaymentsnotes-ledger": {
      "url": "https://tpn-gateway.alwaysarafath.workers.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "alwaysarafath-thepaymentsnotes-ledger": {
      "type": "http",
      "url": "https://tpn-gateway.alwaysarafath.workers.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.alwaysarafath-thepaymentsnotes-ledger]
url = "https://tpn-gateway.alwaysarafath.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "alwaysarafath-thepaymentsnotes-ledger": {
      "type": "remote",
      "url": "https://tpn-gateway.alwaysarafath.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add alwaysarafath-thepaymentsnotes-ledger --url 'https://tpn-gateway.alwaysarafath.workers.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  alwaysarafath-thepaymentsnotes-ledger:
    url: "https://tpn-gateway.alwaysarafath.workers.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "alwaysarafath-thepaymentsnotes-ledger": {
      "Transport": "http",
      "Url": "https://tpn-gateway.alwaysarafath.workers.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add alwaysarafath-thepaymentsnotes-ledger -t streamable-http -u 'https://tpn-gateway.alwaysarafath.workers.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "alwaysarafath-thepaymentsnotes-ledger": {
      "type": "http",
      "url": "https://tpn-gateway.alwaysarafath.workers.dev/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 77 to 80. That category is still filling its 30-day observation window: 23 days of observed history at the previous scan, 24 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-02 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 70 to 73. That category is still filling its 30-day observation window: 21 days of observed history at the previous scan, 22 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 63 to 67. That category is still filling its 30-day observation window: 19 days of observed history at the previous scan, 20 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-28 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 53 to 57. That category is still filling its 30-day observation window: 16 days of observed history at the previous scan, 17 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-27 (score 73, 0)

- [security] The server rewrote its instructions, which are the text every model session reads
- [functional regression] Schema quality: 826 → 1047
- [functional] Schema quality: good → excellent
- [functional] Server version: 0.3.3-testnet → 0.4.0-testnet
- [functional] New tool “query_ledger”

### 2026-10-26 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 47 to 50. That category is still filling its 30-day observation window: 14 days of observed history at the previous scan, 15 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-24 (score 72, +1)

No change was recorded against any check on this day. Stability & Change Management went from 40 to 43. That category is still filling its 30-day observation window: 12 days of observed history at the previous scan, 13 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-22 (score 71, +1)

No change was recorded against any check on this day. Stability & Change Management went from 33 to 37. That category is still filling its 30-day observation window: 10 days of observed history at the previous scan, 11 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (6)

### `list_protocols` (~56 tokens)

Free on testnet. Every row in the human-verified Ledger (protocols, platforms, wallets, stablecoins): name, short names/aliases and status only. Use a name from here with get_status or get_status_detail.

### `check_agent_readiness` (~330 tokens)

Free on testnet. Automated scan, not human-verified. Scan-only quick read of whether AI agents can discover and buy from a website. Returns the engine's report as-is: scanner_version and scan_id ("v4"), report.score (scan-only), report.band (can be 'Partly assessed'), report.coverage, report.summary, report.confidence, report.can_agents_buy, report.who_eats_the_loss (display label "Who carries the risk?"; needs the 5 answers, so not assessed here), report.archetype ('unclassified' if not classified), report.rows (with unknown_reason), report.gaps, report.actions (always exactly 3: 2 business then 1 technical, each with kind "business" | "technical"), report.ledger (related Ledger entries), checks, evidence, findings, and scan_interrupted.reason (timeout|blocked|dns_tls|robots_disallowed|refused|http_error) when the scan could not finish. Input: a bare domain (e.g. "yourstore.com"). It reads public pages only; it is NOT a certification, audit or legal advice. Open questions only the business can answer come back with a link to https://thepaymentsnotes.com/readiness. Limits: 3 scans per caller per day and 50 per day overall, shared with the website; results are cached for 24h. Weekly newsletter: https://thepaymentstack.substack.com

Input parameters:

- `domain` (string, required): Bare domain only, e.g. 'yourstore.com' (no https://, path or port)

### `query_ledger` (~211 tokens)

Free on testnet. Free-text keyword search over the human-verified Ledger (protocols, platforms, wallets, stablecoins). Returns up to 5 matching row NAMES with status, a relevance score and which fields matched (exact_name, name, steward, status, text). It returns names, not answers: call get_status or get_status_detail with a returned name for the verified headline, date and source. No match returns result="none" (never a guess). Example: {"query":"pay per API request for a data feed","limit":3} -> {"result":"found","hits":[{"name":"x402","status":"Live (Limited)","score":9.1,"matched":["text"]}, ...]}.

Input parameters:

- `limit` (integer): Max hits, 1-5 (default 3)
- `query` (string, required): Plain-English question or keywords, e.g. 'pay per API request with stablecoins' or 'Visa agent identity'. Max 200 chars.

### `get_status` (~132 tokens)

Free on testnet. Status of one Ledger row (protocol, platform, wallet or stablecoin) from the human-verified Ledger: headline, status, last verified date and ONE source URL. If the name is not in the Ledger: result="unknown" plus up to 3 did_you_mean names (never a guessed answer). Call list_protocols to see every name.

Input parameters:

- `protocol` (string, required): Ledger name or short name, e.g. 'x402', 'MPP', 'Stripe Link', 'Agent Pay'. Covers protocols, platforms, wallets and stablecoins. Call list_protocols for every name.

### `whats_new` (~51 tokens)

Free on testnet. Recent verified Ledger changes since a date (last 30 days, max 5 items): headline, status, date, one source.

Input parameters:

- `since_date` (string, required): YYYY-MM-DD

### `get_status_detail` (~165 tokens)

Free on testnet (no payment, no wallet needed). Fuller answer for ONE Ledger row (protocol, platform, wallet or stablecoin): headline, status (authoritative), maturity (a plain-English stage derived from status, never contradicts it), steward, what_this_means (the detail after the headline, omitted if there is none), latest update date, verified date and up to 3 sources. Unknown names return result="unknown" with up to 3 did_you_mean names. Call list_protocols to see every name.

Input parameters:

- `protocol` (string, required): Ledger name or short name, e.g. 'x402', 'MPP', 'Stripe Link', 'Agent Pay'. Covers protocols, platforms, wallets and stablecoins. Call list_protocols for every name.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/alwaysarafath-thepaymentsnotes-ledger/tpn-gateway#diagnostics

## Score history

- 2026-11-04: 77
- 2026-11-03: 76
- 2026-11-02: 76
- 2026-11-01: 75
- 2026-10-31: 75
- 2026-10-30: 74
- 2026-10-29: 74
- 2026-10-28: 74
- 2026-10-27: 73
- 2026-10-26: 73
- 2026-10-25: 72
- 2026-10-24: 72
- 2026-10-23: 71
- 2026-10-22: 71
- 2026-10-21: 70
- 2026-10-20: 70
- 2026-10-19: 69
- 2026-10-18: 69
- 2026-10-17: 68
- 2026-10-16: 68
- 2026-10-15: 67
- 2026-10-14: 67
- 2026-10-13: 67
- 2026-10-12: 66
- 2026-10-11: 66

## Common questions

### What is the thePaymentsNotes Ledger MCP server?

thePaymentsNotes Ledger is an MCP server listed in the public MCP registry as io.github.alwaysarafath/thepaymentsnotes-ledger. Verified agentic-commerce protocol status + merchant agent-readiness reports. Free on testnet. This page covers its hosted endpoint (https://tpn-gateway.alwaysarafath.workers.dev/mcp).

### Is the thePaymentsNotes Ledger MCP server safe to use?

thePaymentsNotes Ledger scores 77 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the thePaymentsNotes Ledger MCP server expose?

thePaymentsNotes Ledger exposes 6 tools: list_protocols, check_agent_readiness, query_ledger, get_status, whats_new, get_status_detail. Their descriptions and schemas cost roughly 945 tokens of context every time the server is loaded.

### Does the thePaymentsNotes Ledger MCP server require authentication?

No. We connected to thePaymentsNotes Ledger without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the thePaymentsNotes Ledger MCP server still maintained?

thePaymentsNotes Ledger is still listed as active in the MCP registry. We last reached this channel on 4 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://tpn-gateway.alwaysarafath.workers.dev/mcp
- Website: https://thepaymentsnotes.com/
- Changelog RSS feed: https://verifymcp.io/servers/alwaysarafath-thepaymentsnotes-ledger/tpn-gateway.xml
- Changelog JSON feed: https://verifymcp.io/servers/alwaysarafath-thepaymentsnotes-ledger/tpn-gateway.json
- HTML version of this page: https://verifymcp.io/servers/alwaysarafath-thepaymentsnotes-ledger/tpn-gateway