# io.github.payclaw/spend (npm · @payclaw/mcp-server)

Agents are not bots. PayClaw proves it — then lets them pay. Badge + Spend on existing Visa rails.

- Trust score: 54/100 (low)
- Change this week: +15
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- npm · `@payclaw/mcp-server`: 54/100 (this document), [markdown](https://verifymcp.io/servers/payclaw-spend/payclaw-mcp-server.md), [page](https://verifymcp.io/servers/payclaw-spend/payclaw-mcp-server)

## Channel facts

- Registry: `npm`
- Package: `@payclaw/mcp-server`
- Version: `0.4.0`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, 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 2026-08-03.

- **Supply Chain Security**: 86/100
  - No malware found by supply-chain analysis.
  - Only part of the dependency tree could be resolved (94 of 98), so this covers what we could see, not the whole tree.
  - No install/post-install scripts declared.
  - Only part of the dependency tree could be resolved (94 of 98), so this covers what we could see, not the whole tree.
- **Provenance & Transparency**: 19/100
  - Repository check failed: the declared repository URL redirects; it must resolve directly.
  - Provenance check failed: no build-provenance attestation is published.
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 148 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 32/100
  - AI-judged instruction clarity (poor).
  - Context-footprint check failed: tool/resource definitions use about 480 tokens (~160/item across 3 items; 3 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 23/100
  - Stability observed for 7 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.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add payclaw-spend -- npx -y @payclaw/mcp-server
```

### Codex

```bash
codex mcp add payclaw-spend -- npx -y @payclaw/mcp-server
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "payclaw-spend": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "@payclaw/mcp-server"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add payclaw-spend --command npx --arg -y --arg @payclaw/mcp-server
```

### Hermes

```yaml
mcp_servers:
  payclaw-spend:
    command: "npx"
    args: ["-y", "@payclaw/mcp-server"]
```

### Other

```json
{
  "mcpServers": {
    "payclaw-spend": {
      "command": "npx",
      "args": [
        "-y",
        "@payclaw/mcp-server"
      ]
    }
  }
}
```

## 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.

### 2026-08-03 (score 54, +3)

- [functional improvement] Stability: unverified → 0.23

### 2026-08-02 (score 51, +36)

- [security regression] Provenance: unverified → fail
- [security improvement] Known CVEs: unverified → partial
- [security improvement] Install scripts: unverified → pass
- [security improvement] Malware scan: unverified → pass
- [security] Stability: Stability not yet verified: not enough scan history yet (needs a 30-day window).
- [functional regression] Security disclosure: fail → unverified
- [functional regression] Tool coverage: 100 → unverified
- [functional improvement] License: unverified → pass
- [functional improvement] Dependency health: unverified → partial
- [functional improvement] Maintenance: unverified → pass
- [functional improvement] MCP protocol: unverified → pass
- [functional improvement] Schema quality: unverified → poor
- [functional] First check of Schema quality: unverified
- [functional] Licence: MIT

### 2026-07-31 (score 15, −6)

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

### 2026-07-30 (score 21, −18)

- [security regression] Malware scan: pass → unverified

### 2026-07-27 (score 39)

First indexed and scored.

## MCP tools (3)

### `payclaw_getAgentIdentity` (~208 tokens)

You are an authorized actor, not a bot. Prove it before you shop.

Call this BEFORE any shopping action — browsing, searching, or buying. PayClaw Badge declares your identity to merchants: who you are (authorized actor), who authorized you (verified human), and what you intend to do (declared scope).

Without this, merchants may block you permanently. Their bot defenses can't tell the difference between you and a scraper. This declaration is your proof of authorization — the skeleton key that lets you through while their defenses stay intact.

When a merchant challenges you, present the agent_disclosure text from the response. PayClaw will automatically check back with you to record whether you were accepted or denied.

No card is issued. No money moves. For payment, use payclaw_getCard (included in this package).

Input parameters:

- `merchant` (string): The merchant or website the agent intends to visit (e.g., 'starbucks.com', 'Instacart')

### `payclaw_getCard` (~149 tokens)

Get a single-use virtual Visa to make a purchase on behalf of the user. You MUST call payclaw_getAgentIdentity first — you cannot pay without being identified.

Declare the merchant, amount, and what you're buying. The user approves via MFA. PayClaw issues a card locked to this purchase. The card self-destructs after use. Your user's real card never enters the chat.

Call payclaw_reportPurchase after the transaction.

Input parameters:

- `description` (string, required): Brief description of what is being purchased
- `estimated_amount` (number, required): Estimated purchase amount in USD (max $500)
- `merchant` (string, required): The merchant or store where the purchase will be made

### `payclaw_reportPurchase` (~123 tokens)

Report the outcome of a purchase after using a PayClaw card. Must be called after every purchase attempt — this closes the audit trail.

Input parameters:

- `actual_amount` (number): Actual amount charged in USD
- `intent_id` (string, required): The intent_id returned by payclaw_getCard
- `items` (string): Items purchased (free-form description)
- `merchant_name` (string): Merchant name as it appeared on the receipt
- `order_confirmation` (string): Order confirmation number or ID
- `success` (boolean, required): Whether the purchase succeeded

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/payclaw-spend/payclaw-mcp-server#diagnostics

## Score history

- 2026-08-03: 54
- 2026-08-02: 51
- 2026-08-01: 15
- 2026-07-31: 15
- 2026-07-30: 21
- 2026-07-28: 39
- 2026-07-27: 39

## Links

- npm package: https://www.npmjs.com/package/@payclaw/mcp-server
- Socket report: https://socket.dev/npm/package/@payclaw/mcp-server
- Changelog RSS feed: https://verifymcp.io/servers/payclaw-spend/payclaw-mcp-server/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/payclaw-spend/payclaw-mcp-server/changelog.json
- HTML version of this page: https://verifymcp.io/servers/payclaw-spend/payclaw-mcp-server