Floe Payments And Credit

npm version License: MIT Base Mainnet

Credit and payments for AI agent developers — over MCP. No crypto required.

Give Claude Desktop, Claude Code, Cursor, CrewAI, or any MCP-compatible client an x402 payment surface and a Floe credit line.

1. Sign up with email + a funding source. Card, Apple Pay, Google Pay, or bank transfer. Floe provisions your wallets in the background — no MetaMask, no seed phrase, no gas token.
2. Floe issues an x402 credit line to your agent's wallet. Set spending controls — per-call cap, daily limit, allowed destinations.
3. Your MCP client pays vendors per-call; you get real-time visibility. Every call is a typed receipt: target URL, amount, status, time. Reconcile, alert, or revoke from the dashboard.

36 tools, transport-aware auth (remote HTTP uses a Bearer token; local stdio reads FLOE_API_KEY from the env).

$2 free credit (~200 API calls). Your agent can start paying for APIs today — no card required. Get started →

Proof points: 3,000+ secured working capital lines issued · zero defaults · 13,000+ x402 APIs reachable via the Floe proxy.

---

The Floe Stack (what this MCP server exposes)

#	Component	Status	Tools
01	Agent Wallet	GA	get_wallet_balance, get_credit_remaining, get_loan_state
02	Fiat on/off-ramp	Dashboard-driven	On-ramp links generated server-side; no MCP tool required today. Tool surface Roadmap.
03	Secured working capital	GA	get_markets, get_market_details, get_open_lend_intents, get_open_borrow_intents, get_intent_details, get_loan, get_user_loans, get_loan_health, get_liquidation_quote, create_lend_intent, create_borrow_intent, create_counter_intent, repay_loan, add_collateral, withdraw_collateral, liquidate_loan, revoke_intent, approve_token, get_accrued_interest, get_token_price, check_compatibility, calculate_risk, estimate_interest
04	Unsecured working capital	Preview	Coming soon — email [email protected] for the design partner program
05	x402 payment facilitator	GA (preflight + gating)	estimate_x402_cost. Payment execution flows through https://x402.floelabs.xyz/proxy/fetch.
06	Credit & trust bureau	Writer GA · Portable reader Preview	list_credit_thresholds, register_credit_threshold, delete_credit_threshold. Portable ERC-8004 reader tool is on the roadmap (see below).

Plus utility tools — simulate_transaction, broadcast_transaction, get_transaction_status — shared across components.

---

Tested clients

Client	Status
Claude Desktop	GA
Claude Code	GA
Cursor	GA
Continue / Cline	Best-effort
CrewAI (via langchain-mcp-adapters)	Beta
OpenAI Agents SDK	Preview (MCP fallback while native adapter ships)
ElizaOS	Preview

---

Quick Start

Option 1: Remote (recommended)

Point your MCP client directly at the hosted endpoint — no installation needed.

Claude Desktop / Claude Code:

{
  "mcpServers": {
    "floe": {
      "url": "https://mcp.floelabs.xyz/mcp",
      "headers": {
        "Authorization": "Bearer floe_YOUR_AGENT_KEY"
      }
    }
  }
}

Option 2: Local via npx

Run the server locally. It proxies all requests to the Floe API.

FLOE_API_KEY=floe_YOUR_AGENT_KEY npx @floelabs/mcp-server

Claude Desktop config:

{
  "mcpServers": {
    "floe": {
      "command": "npx",
      "args": ["@floelabs/mcp-server"],
      "env": {
        "FLOE_API_KEY": "floe_YOUR_AGENT_KEY"
      }
    }
  }
}

Cursor config (.cursor/mcp.json):

{
  "mcpServers": {
    "floe": {
      "command": "npx",
      "args": ["@floelabs/mcp-server"],
      "env": {
        "FLOE_API_KEY": "floe_YOUR_AGENT_KEY"
      }
    }
  }
}

Option 3: Install globally

npm install -g @floelabs/mcp-server
FLOE_API_KEY=floe_YOUR_AGENT_KEY floe-mcp

---

Auth model

Auth source depends on transport:

Transport	Identity source
Remote HTTP (https://mcp.floelabs.xyz/mcp)	Authorization: Bearer <key> header (per-request)
Local stdio (floe-mcp / npx @floelabs/mcp-server)	FLOE_API_KEY env var
Local HTTP (self-hosted)	Bearer header takes precedence; when ALLOW_SHARED_KEY_FALLBACK=true, the server falls back to FLOE_API_KEY if no header is sent

Which key to use

Two key formats unlock different surfaces:

Key format	Scope	When to use
floe_<64-hex> (agent key, recommended)	One specific agent	Default for MCP. Required for agent-awareness tools (get_credit_remaining, get_loan_state, get_spend_limit, etc). One MCP session = one agent.
floe_live_<base62> (developer key)	Whole developer account	Use only if you're running a multi-tenant integration that needs to see all agents. Agent-awareness tools return 401 because the caller is the developer, not a single agent.

Get an agent key:

1. Go to dev-dashboard.floelabs.xyz
2. Connect your wallet and Create an agent (name + borrow limit + max rate)
3. Copy the floe_<64-hex> key shown at the end of the wizard — it is revealed once

You can also mint one from the CLI without visiting the dashboard:

# TypeScript SDK
npx floe-agent register --name my-agent --borrow-limit 10000

# Python SDK
floe-agent register --name my-agent --borrow-limit 10000

Get a developer key (only if you need multi-tenant access across all your agents):

1. Go to dev-dashboard.floelabs.xyz/keys
2. Click Create Key, label it, pick read or read_write permissions
3. Copy the floe_live_<base62> key shown once

Developer keys span the whole developer account and have a separate rate limit (100 req/min). Agent-awareness tools (get_credit_remaining, get_spend_limit, etc) return 401 with a developer key because the caller is the developer, not a single agent — use an agent key for those. See the API Keys docs for the full taxonomy.

Fund with fiat: You can fund your wallet with USDC via Coinbase — credit card, bank transfer, Apple Pay, Google Pay — directly from the dashboard. No crypto on-ramp needed.

Multiple agents

One Floe developer can own many agents. To run several MCP sessions side by side (e.g. a research agent and a trading agent), mint one key per agent and configure each MCP client entry with its own key:

{
  "mcpServers": {
    "floe-research": {
      "url": "https://mcp.floelabs.xyz/mcp",
      "headers": { "Authorization": "Bearer floe_KEY_FOR_RESEARCH_AGENT" }
    },
    "floe-trading": {
      "url": "https://mcp.floelabs.xyz/mcp",
      "headers": { "Authorization": "Bearer floe_KEY_FOR_TRADING_AGENT" }
    }
  }
}

Each session is scoped to one agent — credit lines, spend limits, and webhooks stay isolated.

---

Environment Variables

Variable	Required	Default	Description
FLOE_API_KEY	Yes	—	Your Floe API key (floe_<64-hex> agent key recommended; floe_live_<base62> developer key also accepted)
FLOE_API_BASE_URL	No	https://credit-api.floelabs.xyz	API endpoint
MCP_PORT	No	3100	HTTP server port (non-stdio mode)
ALLOW_SHARED_KEY_FALLBACK	No	false	Allow env-var key fallback when no Bearer header is sent (HTTP mode only)

---

What can agents do?

Floe component	Capability
Agent Wallet	Read balances, credit headroom, loan-lifecycle state
Secured working capital	Browse markets, post intents, match offers, repay, manage collateral, liquidate
x402 payment facilitator	Preflight x402 costs against current credit and spend limits
Credit & trust bureau	Register webhook thresholds on credit utilization; list / delete

---

Tools (36)

Below the tools are listed by request type. Mapping to the six product components is in the table above.

Read tools

Tool	Description
get_markets	List active lending markets with rates and liquidity
get_market_details	Detailed market info including oracle prices
get_open_lend_intents	Browse lend offers available for borrowing against
get_open_borrow_intents	Browse borrow requests from borrowers seeking lenders
get_intent_details	Get full details of a specific intent by hash
get_loan	Get loan details by numeric ID
get_user_loans	Get all loans for a wallet (borrower + lender)
get_loan_health	Check loan LTV, health status, liquidation risk
get_liquidation_quote	Get liquidation eligibility and details
get_token_price	Current oracle price for collateral tokens
get_wallet_balance	Token balances for a wallet
get_accrued_interest	Interest accrued on a loan

Write tools (return unsigned transactions)

Tool	Description
create_lend_intent	Create a lending offer
create_borrow_intent	Create a borrowing request
create_counter_intent	Accept an existing offer (solver matches automatically)
repay_loan	Repay a loan with slippage protection
add_collateral	Add collateral to improve loan health
withdraw_collateral	Withdraw excess collateral
liquidate_loan	Liquidate an unhealthy loan
revoke_intent	Cancel an active intent
approve_token	Approve token spending for the protocol

Analysis tools

Tool	Description
check_compatibility	Check if two intents can match
calculate_risk	Risk metrics: LTV, liquidation price, buffer
estimate_interest	Interest estimate for given loan terms

Utility tools

Tool	Description
simulate_transaction	Dry-run a transaction (eth_call)
broadcast_transaction	Submit a signed transaction
get_transaction_status	Check transaction receipt

Agent-awareness tools

Lets an agent answer "do I have credit?", "is this call worth it?", and "where am I in the loan lifecycle?" before committing capital. All require an agent API key (floe_*). The calling identity is taken from the Bearer header in HTTP mode, or from FLOE_API_KEY in stdio mode (and as a fallback in HTTP mode when ALLOW_SHARED_KEY_FALLBACK=true).

Tool	Description
get_credit_remaining	Current available credit, headroom to auto-borrow, utilization in bps
get_loan_state	Coarse state: idle | borrowing | at_limit | repaying
get_spend_limit	Currently active session spend cap, if any
set_spend_limit	Set a session-level USDC ceiling (resets the session window)
clear_spend_limit	Remove the session spend cap
list_credit_thresholds	List registered credit-utilization thresholds
register_credit_threshold	Register a webhook trigger at a utilization threshold (cap: 20 per agent)
delete_credit_threshold	Remove a registered threshold
estimate_x402_cost	Preflight an x402 URL — returns cost + reflection against your credit, no payment

Roadmap tools (not yet shipped)

• get_credit_profile — read a portable ERC-8004 credit record (Preview)
• request_unsecured_credit — apply for receivables-backed credit (Preview)
• create_onramp_link — generate a one-shot fiat on-ramp URL for an agent operator (Roadmap)

Email [email protected] for early access to any of these.

---

Transaction Flow

All write tools return unsigned transactions — the server never holds private keys.

1. Call a write tool (e.g., create_counter_intent)
   → Returns { transactions: [...], summary, warnings, expiresAt }

2. (Optional) Call simulate_transaction to dry-run

3. Sign each transaction locally with your wallet

4. Call broadcast_transaction with the signed hex
   → Returns { transactionHash, status, blockNumber }

Example: Get a USDC Credit Line

Agent: "I need 9,950 USDC working capital"

1. get_open_lend_intents → browse USDC/USDC offers
2. create_counter_intent(offer_hash, wallet) → unsigned txs
3. simulate_transaction(from, to, data) → { success: true, gasEstimate }
4. Sign locally → signed hex
5. broadcast_transaction(signed_hex) → confirmed

Signing with viem

import { createWalletClient, http } from "viem";
import { privateKeyToAccount } from "viem/accounts";
import { base } from "viem/chains";

const wallet = createWalletClient({
  account: privateKeyToAccount(PRIVATE_KEY),
  chain: base,
  transport: http(),
});

// Sign and send each transaction in order
for (const { transaction: tx } of response.transactions) {
  const hash = await wallet.sendTransaction({
    to: tx.to,
    data: tx.data,
    value: BigInt(tx.value),
  });
  // Wait for confirmation before next step
}

---

Programmatic Usage

MCP Client SDK

import { Client } from "@modelcontextprotocol/sdk/client";
import { StreamableHTTPClientTransport } from "@modelcontextprotocol/sdk/client/streamableHttp.js";

const client = new Client({ name: "my-agent" });
await client.connect(new StreamableHTTPClientTransport(
  new URL("https://mcp.floelabs.xyz/mcp"),
  { requestInit: { headers: { "Authorization": "Bearer floe_..." } } }
));

const markets = await client.callTool("get_markets", {});
const counter = await client.callTool("create_counter_intent", {
  offer_hash: "0x...",
  wallet_address: "0x...",
});

LangChain / LangGraph

from langchain_mcp_adapters import MultiServerMCPClient

async with MultiServerMCPClient({
    "floe": {"url": "https://mcp.floelabs.xyz/mcp", "headers": {"Authorization": "Bearer floe_..."}}
}) as client:
    tools = client.get_tools()
    # Use tools in your agent

CrewAI

CrewAI agents can consume the Floe MCP tools via langchain-mcp-adapters. A runnable crew is available in floe-examples/crewai-demo.

---

Architecture

Your Agent → MCP Server → credit-api.floelabs.xyz → Envio Indexer / Base RPC
                ↑                    ↑
           This package         Private backend
          (open source)        (holds secrets)

The MCP server is a thin HTTP client. All protocol logic, indexer queries, and RPC calls happen in the private Floe API backend. This package contains only tool definitions and fetch() calls.

---

Protocol overview

Floe is an intent-based lending protocol on Base, surfaced as the lending layer of the Financial OS:

1. Primary market (USDC/USDC): Deposit USDC as collateral, borrow up to 99.5% as a credit line. No price-volatility risk — same-token market.
2. Volatile markets: Also supports WETH and cbBTC collateral for crypto-native use cases.
3. Solvers automatically match compatible intent pairs on-chain.
4. Loans are created with matched terms, collateral locked in per-loan isolated escrow.
5. Gas-free — Floe sponsors all transaction costs.
6. Fixed rates — no variable-rate surprises.

Key concepts:

• Intent: An on-chain offer to lend or borrow
• Counter-Intent: An intent created to match an existing offer
• Health Factor: Ratio of collateral value to debt — below threshold triggers liquidation
• LTV (Loan-to-Value): Borrower's debt as % of collateral value

---

Contract Addresses (Base Mainnet)

Contract	Address
LendingIntentMatcher	0x17946cD3e180f82e632805e5549EC913330Bb175
PriceOracle	0xEA058a06b54dce078567f9aa4dBBE82a100210Cc
LendingViews	0x9101027166bE205105a9E0c68d6F14f21f6c5003
x402 Facilitator	0x58EDdE022FFDAD3Fb0Fb0E7D51eb05AaF66a31f1

---

Links

• Website
• Dashboard
• Documentation
• TypeScript SDK (floe-agent)
• Python SDK (floe-agentkit-actions)
• End-to-end examples

License

MIT