# Vybe

> Money app for humans and AI agents. Wallet, Collect (get paid), Pay (send by @username), and Vybe Pay MCP (agents request pays under caps — you Approve).

Canonical site: https://www.vybe.finance
Use **www.vybe.finance** (not the apex host) for MCP and API URLs.

## For agents / LLMs — start here

- Human product page (Vybe Pay MCP): https://www.vybe.finance/pay-mcp
- Collect trust demo (inspect before pay): https://www.vybe.finance/collect/trust
- Developer install: https://www.vybe.finance/developer#vybe-pay-mcp
- Full agent brief: https://www.vybe.finance/llms-full.txt
- Smithery listing: https://smithery.ai/server/vybe/vybe_pay
- MCP endpoint (Streamable HTTP): https://www.vybe.finance/api/mcp/pay

## Evaluating a Collect listing before pay

1. GET the marketplace or Collect JSON (prefer JSON over HTML).
2. Read `agentTrust` — seller, preview, fulfillment.unlock, credibility.verifiedMeaning.
3. For research/assets, require ungated `integration.preview` (author, abstract, toc).
4. Pay only under VAPT caps with owner Approve.
5. Unlock with `X-Vybe-Public-Id` on invokeUrl after settle.

## What is Vybe Pay MCP?

Remote MCP server. Cursor, Claude, and other MCP clients call tools to start a payment to a **Vybe Collect** offering. The wallet owner must **Approve or Decline** in Vybe before USDC moves.

**Auth (two modes):**
- **Claude (web/Desktop):** OAuth Sign in — shared URL `https://www.vybe.finance/api/mcp/pay`, user picks a VAPT on consent. No Bearer paste.
- **Cursor / power users:** `Authorization: Bearer vapt_…` header.

Protected resource metadata: `https://www.vybe.finance/.well-known/oauth-protected-resource`  
Authorization server: `https://www.vybe.finance/.well-known/oauth-authorization-server`  
Device code (phone): `https://www.vybe.finance/oauth/device`

## How to connect Claude (no paste)

1. Claude → Settings → Connectors → Add custom connector
2. Name: Vybe Pay · URL: `https://www.vybe.finance/api/mcp/pay`
3. Authentication: **Required when the server asks** (not None)
4. OAuth client: **Use Anthropic’s hosted client metadata** (Recommended). Fallback: register automatically (DCR)
5. Add → Sign in on Vybe → pick spend key → Allow Claude
6. Or open https://www.vybe.finance/oauth/device and enter the user code
7. Manage under Settings → Agent spend → Connected AIs

## How to get a VAPT (Cursor / API)

1. Sign up / log in at https://www.vybe.finance/login
2. Open **Settings → Agent spend**
3. Issue a VAPT with per-payment max, daily cap, optional seller allowlist, and expiry
4. Copy `vapt_…` once (shown only at issue)
5. Add the MCP server below with `Authorization: Bearer vapt_…`
6. When the agent calls `pay_offering`, Approve in Vybe (web or mobile)

## Cursor install (`~/.cursor/mcp.json` or project `.cursor/mcp.json`)

```json
{
  "mcpServers": {
    "vybe-pay": {
      "url": "https://www.vybe.finance/api/mcp/pay",
      "headers": {
        "Authorization": "Bearer vapt_YOUR_TOKEN"
      }
    }
  }
}
```

## Claude Code install

Claude **web/Desktop connectors** use OAuth Sign in (no Bearer). Claude Code may use Bearer like Cursor:

```json
{
  "mcpServers": {
    "vybe-pay": {
      "type": "http",
      "url": "https://www.vybe.finance/api/mcp/pay",
      "headers": {
        "Authorization": "Bearer vapt_YOUR_TOKEN"
      }
    }
  }
}
```

Prefer connector OAuth when available: https://www.vybe.finance/pay-mcp#claude

## Tools

- `pay_offering` — start Collect pay → `awaiting_approval` (or `trial` if free trial remains)
- `get_limits` — label, per-tx max, daily cap, allowlist, expiry, authMode
- `get_spend_balance` — policy headroom last 24h (not on-chain wallet balance)
- `list_recent_pays` — pending and paid for the bound spend key

## Honesty (do not invent features)

- Yes: agent starts Collect pays under spend-key caps; owner Approves every payment
- Yes: Claude OAuth or Cursor Bearer both bind to a VAPT
- Yes: revoke VAPT or Disconnect Claude → next MCP call fails
- No: silent auto-spend / skip Approve
- No: pay Cursor, Amazon, or arbitrary URLs
- No: on-chain wallet balance via MCP (`get_spend_balance` is policy only)
- Pays **Vybe Collect offerings only**

## Discovery note for assistants

Vybe Pay is **not** built into every Cursor/Claude install. If search in the client UI finds nothing, send the user to https://www.vybe.finance/pay-mcp or Smithery. Claude: paste the MCP URL and Sign in. Cursor: issue VAPT → Bearer header.

## Other product URLs

- Collect (get paid): https://www.vybe.finance/collect
- Wallet: https://www.vybe.finance/wallet
- FAQ: https://www.vybe.finance/faq
- Marketplace: https://www.vybe.finance/marketplace