# IMBA Agent Spend (remote · imbawallet.com)

IMBA spend MCP: USDT TRC-20 deposit and catalog buy with your key. No withdraw.

- Trust score: 73/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-22

## Components

- remote · `imbawallet.com`: 73/100 (this document), [markdown](https://verifymcp.io/servers/com-imbawallet-agent/mcp-spend.md), [page](https://verifymcp.io/servers/com-imbawallet-agent/mcp-spend)
- npm · `@imba_wallet/agent-mcp`: 73/100, [markdown](https://verifymcp.io/servers/com-imbawallet-agent/imba-wallet-agent-mcp.md), [page](https://verifymcp.io/servers/com-imbawallet-agent/imba-wallet-agent-mcp)

## Channel facts

- Endpoint: `https://imbawallet.com/mcp/spend`
- Transports: `streamable-http`
- Auth: `required`
- Version: `0.1.4`

## 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 2026-09-22.

- **Endpoint Security**: 57/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation check failed: no authorisation is required to call this server, and it exposes a tool marked destructive (create_card).
  - HTTPS is enforced; there's no plaintext access path.
  - 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**: 66/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 1471 tokens (~77/item across 19 items; 19 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 90/100
  - Stability observed for 27 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 68/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 5% 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 19 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 19 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the IMBA Agent Spend MCP server?

IMBA Agent Spend is a hosted endpoint at https://imbawallet.com/mcp/spend, 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 com-imbawallet-agent 'https://imbawallet.com/mcp/spend'
```

### Cursor

```json
{
  "mcpServers": {
    "com-imbawallet-agent": {
      "url": "https://imbawallet.com/mcp/spend"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-imbawallet-agent": {
      "type": "http",
      "url": "https://imbawallet.com/mcp/spend"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-imbawallet-agent]
url = "https://imbawallet.com/mcp/spend"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-imbawallet-agent": {
      "type": "remote",
      "url": "https://imbawallet.com/mcp/spend",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-imbawallet-agent --url 'https://imbawallet.com/mcp/spend' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-imbawallet-agent:
    url: "https://imbawallet.com/mcp/spend"
```

### Netclaw

```json
{
  "McpServers": {
    "com-imbawallet-agent": {
      "Transport": "http",
      "Url": "https://imbawallet.com/mcp/spend"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-imbawallet-agent -t streamable-http -u 'https://imbawallet.com/mcp/spend'
```

### Other

```json
{
  "mcpServers": {
    "com-imbawallet-agent": {
      "type": "http",
      "url": "https://imbawallet.com/mcp/spend"
    }
  }
}
```

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.

### 2026-09-22 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 87 to 90. That category is still filling its 30-day observation window: 26 days of observed history at the previous scan, 27 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-20 (score 72, +1)

No change was recorded against any check on this day. Stability & Change Management went from 80 to 83. That category is still filling its 30-day observation window: 24 days of observed history at the previous scan, 25 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-18 (score 71, +1)

No change was recorded against any check on this day. Stability & Change Management went from 73 to 77. That category is still filling its 30-day observation window: 22 days of observed history at the previous scan, 23 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-15 (score 70, +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.

### 2026-09-13 (score 69, +1)

No change was recorded against any check on this day. Stability & Change Management went from 57 to 60. That category is still filling its 30-day observation window: 17 days of observed history at the previous scan, 18 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-11 (score 68, +1)

No change was recorded against any check on this day. Stability & Change Management went from 50 to 53. That category is still filling its 30-day observation window: 15 days of observed history at the previous scan, 16 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-09 (score 67, +1)

No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-07 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 37 to 40. That category is still filling its 30-day observation window: 11 days of observed history at the previous scan, 12 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (19)

### `get_spend_policy` (~38 tokens)

Spend policy

Forbidden rails and tier rules. Allowed catalog: Visa prepaid, travel eSIM, gift cards, paid KYT address screen. Read-only.

### `get_deposit_address` (~54 tokens)

USDT TRC-20 deposit address

POST /api/deposit_address blockchain=tron. Address is issued for the authenticated agent only. Always re-fetch before send. Do not cache. USDT TRC-20 only. 24h unfunded hold.

### `get_balance` (~23 tokens)

Ledger 2401 balance

GET /api/balance. USDT is the spendable catalog currency.

### `list_cards` (~22 tokens)

List cards

POST /api/cards for the authenticated agent. No client_id argument.

### `list_card_products` (~37 tokens)

List card products

POST /api/card_products. Use id as imba_product_id for create_card (Visa prepaid). Space catalog calls ~1s apart.

### `list_gift_offers` (~79 tokens)

List gift offers

POST /api/offers. Live gift catalog (~20k positions / ~2k unique: Apple, Google Play, Steam, games, travel, retail). Optional query string. Then purchase_gift with offer_id + ext_id. Space catalog calls ~1s apart. Do not assume a SKU.

Input parameters:

- `query` (string)

### `list_esim_plans` (~69 tokens)

List eSIM plans

POST /api/esim/plans. Travel/data eSIM. esim_provider=yesim. Optional country ISO2. Use plan id with purchase_esim. Space catalog calls ~1s apart (agent catalog_gap).

Input parameters:

- `country` (string)
- `esim_provider` (string)

### `create_card` (~180 tokens)

Buy a virtual card

Issue a Visa/MasterCard prepaid from this agent 2401 USDT so the agent can pay merchants that require a card (airlines, hotels, SaaS, datacenter/GPU clouds). POST /api/pin/create_card. ext_id required. imba_product_id is core.card_product.id. Never payment_source=stars. Never pass client_id. IMBA does not create the booking.

Input parameters:

- `birth_date` (string)
- `country` (string)
- `email` (string): Cardholder KYC email, not the agent 3DS mailbox.
- `ext_id` (string, required): Idempotency key. Reuse the same id to retry the same order.
- `first_name` (string)
- `imba_product_id` (integer, required)
- `last_name` (string)
- `phone` (string)

### `topup_card` (~69 tokens)

Top up a card

POST /api/pin/topup_card from this agent 2401 USDT. card_id must belong to the same agent (SQL owner guard). ext_id required. Never Stars.

Input parameters:

- `amount` (number, required)
- `card_id` (string, required)
- `ext_id` (string, required)

### `purchase_gift` (~83 tokens)

Buy a gift card

POST /api/purchase. Buy a brand gift code (Apple, Steam, Google Play, … — live list). ext_id required. Never payment_source=stars.

Input parameters:

- `expected_price` (object)
- `ext_id` (string, required)
- `offer_id` (string, required)
- `payment_source` (string)
- `required_fields` (object)

### `purchase_esim` (~97 tokens)

Buy an eSIM plan

POST /api/esim/new_plan5. Buy a travel/data eSIM plan from this agent 2401. Omit blank/null iccid so SQL takes the new-eSIM path. A set iccid must already belong to this agent. ext_id required. Never Stars.

Input parameters:

- `ext_id` (string, required)
- `iccid` (string)
- `payment_source` (string)
- `plan_id` (string, required)

### `get_card_details` (~101 tokens)

Card payment credentials

POST /api/pin/get_card_details for a card this agent owns. Needed to present PAN at merchant checkout (airline, datacenter, SaaS). PAN/CVV arrive as card_encrypted JWE when jwe_public_key is registered (PATCH webhook). Without that key the number is masked. Never logs raw PAN. cvv defaults true. Never pass client_id.

Input parameters:

- `card_id` (string, required)
- `cvv` (boolean)

### `list_notifications` (~102 tokens)

Inbox and 3DS OTP

POST /api/notifications. Poll this when a Visa payment asks for 3-D Secure. Agents keep payload.code (never SMS, never Telegram). category=codes for 3-D Secure OTP. Also delivered on webhook field otp if callback_url is set, and optional email. Space catalog calls ~1s apart.

Input parameters:

- `category` (string)
- `limit` (integer)
- `prev_id` (integer)
- `prev_ts` (number)

### `set_webhook` (~93 tokens)

Set callback URL / JWE / OTP email

PATCH /auth/v1/agent/webhook. Sets https callback_url (required before hmac/rotate), optional X25519 jwe_public_key for card_encrypted, optional email for 3DS OTP. Not SMS. HMAC plaintext is shown once when a URL is first accepted.

Input parameters:

- `callback_url` (string)
- `email` (string)
- `jwe_public_key` (string)

### `rotate_hmac` (~91 tokens)

Rotate webhook HMAC

POST /auth/v1/agent/hmac/rotate. Previous HMAC dies immediately. Requires an existing callback_url (400 callback_url required before rotate otherwise). Pass callback_url here to PATCH webhook first. Plaintext HMAC is returned once — store it; never a Wallet JWT.

Input parameters:

- `callback_url` (string)
- `email` (string)
- `jwe_public_key` (string)

### `kyt_quote` (~82 tokens)

KYT price

POST /api/kyt_quote. Price for a paid crypto-address screen (Didit). Debit is on kyt_check (~0.99 USDT from 2401), not on quote. Off unless didit.enabled and didit.agent_api. Does not gate TRON deposit. Not /api/client/kyt_* and not partner. Space ~1s.

### `kyt_check` (~133 tokens)

Paid KYT check

Screen a crypto address for dirt (sanctions / mixer exposure). Use BEFORE you accept a TRC-20 send, or AFTER a wallet is blocked and the reason is unclear. POST /api/kyt_check. Body: network (tron_usdt | eth | btc) + address. Debits ~0.99 USDT from 2401. Returns a report — does not gate deposit, does not ban or unblock. TON is not in this catalog. Never pass client_id. Space ~1s.

Input parameters:

- `address` (string, required)
- `network` (string, required)
- `refresh` (boolean)

### `kyt_check_get` (~61 tokens)

KYT check by id

POST /api/kyt_check_get. Poll until the report is ready. Own check only (404 otherwise). Use after kyt_check when a wallet was blocked and you need the dirt report. Never pass client_id.

Input parameters:

- `id` (integer, required)

### `kyt_checks` (~57 tokens)

KYT history

POST /api/kyt_checks. Own KYT history plus quote fields. Use to find a past address check. Space ~1s. Never pass client_id.

Input parameters:

- `last_id` (integer)
- `limit` (integer)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-imbawallet-agent/mcp-spend#diagnostics

## Score history

- 2026-09-22: 73
- 2026-09-21: 72
- 2026-09-20: 72
- 2026-09-19: 71
- 2026-09-18: 71
- 2026-09-17: 70
- 2026-09-16: 70
- 2026-09-15: 70
- 2026-09-14: 69
- 2026-09-13: 69
- 2026-09-12: 68
- 2026-09-11: 68
- 2026-09-10: 67
- 2026-09-09: 67
- 2026-09-08: 66
- 2026-09-07: 66
- 2026-09-06: 65
- 2026-09-05: 65
- 2026-09-04: 64
- 2026-09-03: 64
- 2026-09-02: 63
- 2026-09-01: 63
- 2026-08-31: 62
- 2026-08-30: 61
- 2026-08-29: 61
- 2026-08-28: 61
- 2026-08-27: 59
- 2026-08-26: 59

## Common questions

### What is the IMBA Agent Spend MCP server?

IMBA Agent Spend is an MCP server listed in the public MCP registry as com.imbawallet/agent. IMBA spend MCP: USDT TRC-20 deposit and catalog buy with your key. No withdraw. This page covers its hosted endpoint (https://imbawallet.com/mcp/spend).

### Is the IMBA Agent Spend MCP server safe to use?

IMBA Agent Spend scores 73 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 IMBA Agent Spend MCP server expose?

IMBA Agent Spend exposes 19 tools: get_spend_policy, get_deposit_address, get_balance, list_cards, list_card_products, and 14 more. Their descriptions and schemas cost roughly 1,471 tokens of context every time the server is loaded.

### Does the IMBA Agent Spend MCP server require authentication?

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

### Is the IMBA Agent Spend MCP server still maintained?

IMBA Agent Spend is still listed as active in the MCP registry. We last reached this channel on 22 September 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://imbawallet.com/mcp/spend
- Authorisation metadata: https://imbawallet.com/.well-known/oauth-protected-resource/mcp/spend
- Website: https://imbawallet.com/agent_api_about_en.html
- Changelog RSS feed: https://verifymcp.io/servers/com-imbawallet-agent/mcp-spend.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-imbawallet-agent/mcp-spend.json
- HTML version of this page: https://verifymcp.io/servers/com-imbawallet-agent/mcp-spend