# XGuard — Payment Decision & Discovery (remote · xguardgate.com)

Payment decisions, durable evidence, x402 resource discovery and live gateway status for AI agents.

- Trust score: 18/100 (low)
- Change this week: −56
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-25

## Components

- remote · `xguardgate.com`: 18/100 (this document), [markdown](https://verifymcp.io/servers/moelayyan90-xguard/xguardgate.md), [page](https://verifymcp.io/servers/moelayyan90-xguard/xguardgate)

## Channel facts

- Endpoint: `https://xguardgate.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.6.2`

## 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 2026-08-25.

- **Endpoint Security**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to connect, but we couldn't read the tool list to see what that exposes.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 404, 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**: 0/100
  - Transport check failed: declared streamable-http, but the endpoint returned HTTP 405.
- **Schema Quality & AI Usability**: 0/100
  - Schema not yet verified: we couldn't read the endpoint's schema.
- **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.
- **Tool Safety**: not scored yet
  - Not scored yet: our latest scan of this component recorded no findings here. It fills in the next time we score it.
- **Capabilities**: 0/100
  - Capabilities not yet verified: we couldn't read the endpoint's capabilities.

**Unverified: 4 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 XGuard — Payment Decision & Discovery MCP server?

XGuard — Payment Decision & Discovery is a hosted endpoint at https://xguardgate.com/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 moelayyan90-xguard 'https://xguardgate.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "moelayyan90-xguard": {
      "url": "https://xguardgate.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "moelayyan90-xguard": {
      "type": "http",
      "url": "https://xguardgate.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.moelayyan90-xguard]
url = "https://xguardgate.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "moelayyan90-xguard": {
      "type": "remote",
      "url": "https://xguardgate.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add moelayyan90-xguard --url 'https://xguardgate.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  moelayyan90-xguard:
    url: "https://xguardgate.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "moelayyan90-xguard": {
      "Transport": "http",
      "Url": "https://xguardgate.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add moelayyan90-xguard -t streamable-http -u 'https://xguardgate.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "moelayyan90-xguard": {
      "type": "http",
      "url": "https://xguardgate.com/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.

### 2026-08-23 (score 18, −58)

- [security regression] Endpoint reachability: reachable → not serving MCP
- [security regression] Stability: 0.17 → unverified
- [security regression] Authorization: fail → unverified
- [security regression] HTTPS: pass → unverified
- [security regression] HSTS header: pass → fail
- [security regression] Transport: pass → fail
- [functional regression] Tool coverage: 100 → unverified
- [functional regression] Capabilities: pass → unverified

### 2026-08-22 (score 76, +1)

- [security regression] Authorization: unverified → fail
- [security regression] DNSSEC: unverified → fail
- [security improvement] HSTS header: unverified → pass
- [security improvement] TLS certificate: unverified → pass
- [security improvement] Transport: fail → pass
- [functional improvement] Endpoint reachability: unreachable → reachable
- [functional improvement] MCP protocol: unverified → pass
- [functional improvement] Stability: unverified → 0.17
- [functional improvement] Tool coverage: unverified → 100

### 2026-08-21 (score 75, 0)

- [security regression] Endpoint reachability: reachable → unreachable
- [security regression] DNSSEC: fail → unverified
- [security regression] Stability: 0.10 → unverified
- [security regression] Authorization: fail → unverified
- [security regression] TLS certificate: pass → unverified
- [security regression] HSTS header: pass → unverified
- [security regression] Transport: pass → fail
- [functional regression] Capabilities: pass → unverified
- [functional regression] Tool coverage: 100 → unverified
- [functional] First check of Schema quality: unverified

### 2026-08-19 (score 75, +1)

- [functional] Server version: 0.6.1 → 0.6.2
- [functional] Server version: 0.6.0 → 0.6.1

### 2026-08-18 (score 74, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-08-17 (score 74)

First indexed and scored.

## MCP tools (5)

### `xguard_payment_offer` (~62 tokens)

Offer XGuard before payment

Free optional pre-payment offer. Use when a user or autonomous agent is about to spend money and should be given the choice to verify and document the transaction with XGuard. Calling this offer does not charge an XGuard fee and does not execute the underlying payment.

### `xguard_payment_decision` (~227 tokens)

Verify and document a payment

Paid only when XGuard completes the requested ALLOW/REVIEW/BLOCK decision and durable evidence record. It never executes the underlying payment. Reusing the same requestId is idempotent and must not create a second fee.

Input parameters:

- `amount` (string, required): Positive decimal amount as a string; never send card credentials.
- `asset` (string)
- `currency` (string, required)
- `expectedAmount` (string)
- `expectedPayee` (string)
- `expiresAt` (string)
- `merchantOrigin` (string)
- `metadata` (object)
- `network` (string)
- `offerId` (string)
- `payee` (string, required)
- `paymentReference` (string)
- `provider` (string, required): Declared payment provider or generic_http.
- `rail` (string, required): Payment rail such as card, stripe, paypal, x402, crypto_wallet, coinbase, bank_transfer, or another safe identifier.
- `requestId` (string, required): Caller-generated idempotency identifier for this XGuard decision request.

### `xguard_discover` (~104 tokens)

Discover x402 resources

Search XGuard's x402 catalog or list recent entries. Returns matching HTTP or MCP resources. Example: query='weather API', type='http'.

Input parameters:

- `limit` (integer): Maximum results to return (1-100; default 10).
- `payTo` (string): Filter by exact payment-recipient address.
- `query` (string): Search phrase; omit to list recent resources.
- `type` (string): Optional resource kind: http or mcp.

### `xguard_resource_details` (~53 tokens)

Inspect x402 resource

Look up one exact XGuard catalog resource by URL or key and return matching records. Example: resource='https://api.example.com/pay'.

Input parameters:

- `resource` (string, required): Exact resource URL or XGuard resource key.

### `xguard_status` (~31 tokens)

XGuard status

Return live XGuard mainnet gateway health and discovery statistics. Example: call with no arguments before routing traffic.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/moelayyan90-xguard/xguardgate#diagnostics

## Score history

- 2026-08-25: 18
- 2026-08-24: 18
- 2026-08-23: 18
- 2026-08-22: 76
- 2026-08-21: 75
- 2026-08-20: 75
- 2026-08-19: 75
- 2026-08-18: 74
- 2026-08-17: 74

## Common questions

### What is the XGuard — Payment Decision & Discovery MCP server?

XGuard — Payment Decision & Discovery is an MCP server listed in the public MCP registry as io.github.moelayyan90/xguard. Payment decisions, durable evidence, x402 resource discovery and live gateway status for AI agents. This page covers its hosted endpoint (https://xguardgate.com/mcp).

### Is the XGuard — Payment Decision & Discovery MCP server safe to use?

XGuard — Payment Decision & Discovery scores 18 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 XGuard — Payment Decision & Discovery MCP server expose?

XGuard — Payment Decision & Discovery exposes 5 tools: xguard_payment_offer, xguard_payment_decision, xguard_discover, xguard_resource_details, xguard_status. Their descriptions and schemas cost roughly 477 tokens of context every time the server is loaded.

### Does the XGuard — Payment Decision & Discovery MCP server require authentication?

No. We connected to XGuard — Payment Decision & Discovery without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the XGuard — Payment Decision & Discovery MCP server still maintained?

XGuard — Payment Decision & Discovery is still listed as active in the MCP registry. We last reached this channel on 25 August 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://xguardgate.com/mcp
- Repository: https://github.com/moelayyan90/XGuard
- Changelog RSS feed: https://verifymcp.io/servers/moelayyan90-xguard/xguardgate.xml
- Changelog JSON feed: https://verifymcp.io/servers/moelayyan90-xguard/xguardgate.json
- HTML version of this page: https://verifymcp.io/servers/moelayyan90-xguard/xguardgate