Vybe Pay MCP

Your AI can pay. You still say yes.

Give Cursor or Claude a spend key with hard limits. When it wants to buy on Vybe, you get a simple Approve or Decline — like a bank alert, not a blank cheque.

Create a spend key See how it works

Hard daily & per-pay caps Approve or decline every time Revoke anytime

9:41● ●

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Agent wants to pay$0.005Research PaperTo @ghostofsparta2Review · Approve or Decline ›

$2,840.50

@alex

SendRequestInviteScan

Add money

ActivityAll

AApproveSend from your balanceYes
DDeclineNothing leaves the walletNo
LDaily cap$50 left todaySafe

Under your limitsWaiting on you

The problem

Agents are useful. Blank wallet access isn’t.

You want help that can pay for tools and people — without handing over the whole balance.

Your AI can shop. You don’t trust it with the whole wallet.

You want Claude or Cursor to buy a research tool or book a call — not drain every dollar you hold.

“Just paste your keys” feels reckless.

Full wallet access for an agent is how people get surprised. You need a leash: daily max, per-payment max, off switch.

Silent spend is a nightmare.

If money moves without you seeing it, you’ll never sleep. You want a clear ask — Approve or Decline — before anything leaves.

How it works

Three steps. You stay in control.

Issue a spend key, connect Cursor or Claude, and approve each pay like a bank notification — not a blank cheque.

Approve or declineMoney only moves when you tap Approve. Decline cancels the ask. Revoke the key anytime in Settings.

Create a spend key

Issue a spend key

In Settings → Agent spend, create a VAPT with caps (for example $10 per payment, $50 a day).

Connect your AI

Paste the key into Cursor or Claude as Vybe Pay MCP. That’s how the agent asks to pay — not how it empties your wallet.

Approve or decline

When it wants to pay a Collect offering, you get a card: title, who gets paid, amount. You tap Approve or Decline.

Why Vybe

Built like a money app, not a crypto experiment.

Hard limits, not vibes

Set a max per payment and a daily cap. Optional seller allowlist. Expire or revoke the key anytime.

Same balance you already use

Agent pays land next to human pays. Collect for sellers, Pay MCP for buyers — one @you.

You stay in the loop

No silent auto-spend. Approve moves the money. Decline cancels it. You’re always the last word.

Before / after

Same AI. Safer money.

Without Vybe Pay

Hope the agent behaves · or do every purchase yourself

With Vybe Pay MCP

Caps + Approve / Decline on every ask

Without Vybe Pay

Separate “AI wallet” you barely check

With Vybe Pay MCP

Same balance as your human Collect and Pay

Without Vybe Pay

Hard to turn off once you shared access

With Vybe Pay MCP

Revoke the key — pays stop

FAQ

Straight answers

Do I need to be a developer?

No. Issue a spend key in the app, paste it into Cursor or Claude when they ask for MCP setup, and use Approve / Decline like a bank notification.

Can the AI spend without me?

Not with Vybe Pay MCP today. Every pay waits for your Approve. That’s intentional.

What if I change my mind?

Revoke the key in Settings → Agent spend. The agent can’t start new pays with it.

Is this the same as Collect?

Collect is how you get paid. Vybe Pay MCP is how your AI pays someone else — under your rules.

Prefer the API details? Technical setup for Cursor & Claude · Smithery listing

Ready

Let your AI ask. Keep the yes.

Create a spend key with limits, connect Cursor or Claude, and approve pays the same way you’d approve a bank notification.