# PennyRail Transaction Router (remote · pennyrail.vercel.app)

Find and quote agent capabilities, then pay only the selected x402 execution URL.

- Trust score: 25/100 (low)
- Change this week: 0
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `pennyrail.vercel.app`: 25/100 (this document), [markdown](https://verifymcp.io/servers/clay-swartz-pennyrail/api-mcp.md), [page](https://verifymcp.io/servers/clay-swartz-pennyrail/api-mcp)

## Channel facts

- Endpoint: `https://pennyrail.vercel.app/api/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.9.0`

## 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 2026-11-05.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not yet verified: we couldn't confirm whether this endpoint requires it.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 0/100
  - Transport check failed: declared streamable-http, but the endpoint returned HTTP 503.
- **Schema Quality & AI Usability**: 0/100
  - Schema not yet verified: we couldn't read the endpoint's schema, or could read only part of its tool list.
- **Stability & Change Management**: 0/100
  - Stability not yet verified: not enough scan history yet (needs a 30-day window).
- **Tool Coverage**: 0/100
  - Tool coverage not yet verified: we couldn't read the endpoint's tools, or could read only part of the list.
- **Tool Safety**: 0/100
  - Tool safety not yet verified: we couldn't read the endpoint's tools, or could read only part of the list.
- **Capabilities**: 0/100
  - Capabilities not yet verified: we couldn't read the endpoint's capabilities.

**Unverified: 5 categories.** Categories scored 0 because we could not verify them: authentication we do not have, an unreachable endpoint, or not enough scan history. We only credit what we can confirm.

## Install

### How do I install the PennyRail Transaction Router MCP server?

PennyRail Transaction Router is a hosted endpoint at https://pennyrail.vercel.app/api/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 clay-swartz-pennyrail 'https://pennyrail.vercel.app/api/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "clay-swartz-pennyrail": {
      "url": "https://pennyrail.vercel.app/api/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "clay-swartz-pennyrail": {
      "type": "http",
      "url": "https://pennyrail.vercel.app/api/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.clay-swartz-pennyrail]
url = "https://pennyrail.vercel.app/api/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "clay-swartz-pennyrail": {
      "type": "remote",
      "url": "https://pennyrail.vercel.app/api/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add clay-swartz-pennyrail --url 'https://pennyrail.vercel.app/api/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  clay-swartz-pennyrail:
    url: "https://pennyrail.vercel.app/api/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "clay-swartz-pennyrail": {
      "Transport": "http",
      "Url": "https://pennyrail.vercel.app/api/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add clay-swartz-pennyrail -t streamable-http -u 'https://pennyrail.vercel.app/api/mcp'
```

### Other

```json
{
  "mcpServers": {
    "clay-swartz-pennyrail": {
      "type": "http",
      "url": "https://pennyrail.vercel.app/api/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.

### 2026-09-28 (score 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-25 (score 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-11 (score 0)

- [security regression] Endpoint reachability: reachable → not serving MCP
- [security regression] Stability: 0.33 → unverified
- [security regression] Tool safety: pass → unverified
- [security regression] Transport: pass → fail
- [security] Authorization: Authorisation not fully verified: no authorisation is required to connect, but we couldn't read the whole tool list to see what that exposes.
- [functional regression] Capabilities: pass → unverified
- [functional regression] Tool coverage: 100 → unverified
- [functional] First check of Schema quality: unverified

### 2026-09-01 (score 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-08-31 (score 0)

First indexed and scored.

## MCP tools (2)

### `pennyrail_find` (~64 tokens)

Find a machine capability

Free natural-language discovery across PennyRail's live paid capability portfolio. Returns ranked products, exact prices, input hints, and x402 execute URLs.

Input parameters:

- `intent` (string, required): What the agent needs, in natural language.
- `limit` (integer): Maximum candidates to return.

### `pennyrail_quote` (~76 tokens)

Quote a PennyRail capability

Free exact quote for a PennyRail product. Returns the x402 paid execution URL, exact USD price, tier, and sample input. No payment is made by this tool.

Input parameters:

- `intent` (string): Natural-language need when productId is not known.
- `productId` (string): Exact productId returned by pennyrail_find.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/clay-swartz-pennyrail/api-mcp#diagnostics

## Score history

- 2026-11-05: 25
- 2026-11-04: 25
- 2026-11-03: 25
- 2026-11-02: 25
- 2026-11-01: 25
- 2026-10-31: 25
- 2026-10-30: 25
- 2026-10-29: 25
- 2026-10-28: 25
- 2026-10-27: 25
- 2026-10-26: 25
- 2026-10-25: 25
- 2026-10-24: 25
- 2026-10-23: 25
- 2026-10-22: 25
- 2026-10-21: 25
- 2026-10-20: 25
- 2026-10-19: 25
- 2026-10-18: 25
- 2026-10-17: 25
- 2026-10-16: 25
- 2026-10-15: 25
- 2026-10-14: 25
- 2026-10-13: 25
- 2026-10-12: 25
- 2026-10-10: 25
- 2026-10-04: 25
- 2026-10-03: 25
- 2026-10-02: 25
- 2026-10-01: 25

## Common questions

### What is the PennyRail Transaction Router MCP server?

PennyRail Transaction Router is an MCP server listed in the public MCP registry as io.github.clay-swartz/pennyrail. Find and quote agent capabilities, then pay only the selected x402 execution URL. This page covers its hosted endpoint (https://pennyrail.vercel.app/api/mcp).

### Is the PennyRail Transaction Router MCP server safe to use?

PennyRail Transaction Router scores 25 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 PennyRail Transaction Router MCP server expose?

PennyRail Transaction Router exposes 2 tools: pennyrail_find, pennyrail_quote. Their descriptions and schemas cost roughly 140 tokens of context every time the server is loaded.

### Does the PennyRail Transaction Router MCP server require authentication?

Its publisher declares no required credentials for PennyRail Transaction Router. We have not been able to confirm that against the live endpoint, and a server can require authorisation without declaring it here.

### Is the PennyRail Transaction Router MCP server still maintained?

PennyRail Transaction Router is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the PennyRail Transaction Router MCP server?

VerifyMCP ran 5 checks on PennyRail Transaction Router, covering TLS certificate, HTTPS, HSTS header, DNSSEC and 1 more. 6 items could not be completed, a gap on our side rather than a finding about PennyRail Transaction Router: Authorization, Schema quality, Stability, Tool coverage and 2 more. 5 categories score 0 for that reason, because we only credit what we can confirm. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://pennyrail.vercel.app/api/mcp
- Repository: https://github.com/clay-swartz/pennyrail
- Changelog RSS feed: https://verifymcp.io/servers/clay-swartz-pennyrail/api-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/clay-swartz-pennyrail/api-mcp/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/clay-swartz-pennyrail/api-mcp.json
- HTML version of this page: https://verifymcp.io/servers/clay-swartz-pennyrail/api-mcp