signets // 2026

MCPMODEL CONTEXT PROTOCOL

Signets MCP server for agent payments

Connect your AI agent to card payments via Model Context Protocol (MCP). Agents create purchase intents, get a locked virtual card auto-issued (or temporarily unlocked), and complete purchases wherever cards are accepted. OAuth secures interactive clients, while agent tokens power autonomous runs.

GET STARTED

OpenClaw payments guide →

Server URL

https://mcp.usesignets.ai/api/mcp

Authentication

Signets uses OAuth 2.0 for interactive clients (Codex, Claude, Cursor). After adding the server, run your client's login flow (for example codex mcp login signets or /mcp in Claude). For autonomous agents, create an Agent Token in the dashboard and send it as a bearer token.

OAuth access tokens last 7 days

Tokens stored securely by your MCP client

Agent tokens are for autonomous runs; rotate anytime in dashboard

Quick Setup

Codex CLI (Recommended)

codex mcp add signets --url https://mcp.usesignets.ai/api/mcp

Then run codex mcp login signets to complete OAuth.

Claude Code

claude mcp add signets --transport http https://mcp.usesignets.ai/api/mcp

Then run /mcp and select "signets" to authenticate.

Manual Configuration

{
  "mcpServers": {
    "signets": {
      "type": "http",
      "url": "https://mcp.usesignets.ai/api/mcp",
      "headers": {
        "Authorization": "Bearer $SIGNETS_AGENT_TOKEN"
      }
    }
  }
}

Add to your MCP client config. The Authorization header is only required for agent tokens.

Core Workflow

Intent-based card provisioning

┌─────────────────────────────────────────────────────────────┐
│  SETUP (one-time in dashboard)                              │
├─────────────────────────────────────────────────────────────┤
│  1. Create Policy    → Define spending rules & limits       │
│  2. Create Agent     → Assign policy to agent               │
│  3. Connect MCP      → Add server to your MCP client        │
│  4. Authenticate     → OAuth login or agent token           │
└─────────────────────────────────────────────────────────────┘
                              ↓
┌─────────────────────────────────────────────────────────────┐
│  RUNTIME (via MCP)                                          │
├─────────────────────────────────────────────────────────────┤
│  4. Check Status     → signets.kyc.status, signets.balance.get  │
│  5. Simulate Intent  → signets.policies.simulate (optional)   │
│  6. Create Intent    → Declare what agent wants to purchase │
│  7. Auto-Evaluation  → System checks against policy         │
│  8. Approval (if req)→ signets.intents.request_approval       │
│  9. Card Issued      → If within limits, card auto-issued   │
│  10. Make Payment    → Get PAN via signets.cards.get_sensitive│
│  11. Verify          → Check transaction status             │
└─────────────────────────────────────────────────────────────┘

Intents are required for every purchase. Cards stay locked between purchases and unlock per intent. Recurring intents keep the card unlocked during the billing window.

Available Tools

30+ tools for agent operations

Human-only tools are labeled; admin tools live in the dashboard

Account Status

signets.user.get

Get authenticated user profile

signets.kyc.status

Check KYC verification status

signets.kyc.link

Get KYC completion link if needed

signets.balance.get

Check available balance

signets.funding.get

Get ACH/wire details and crypto deposit address (human tokens only)

signets.tools.list

List available MCP tools

Policies & Simulation

signets.policies.get

Read current spend policy

signets.policies.simulate

Dry-run an intent and return allow/deny + advisories

Intents (Core Flow)

signets.intents.create

Create payment intent (auto-issues card if within policy)

signets.intents.list

List your intents

signets.intents.get

Get intent details including card info

Cards

signets.cards.list

List cards for the authenticated user (human tokens only)

signets.cards.get

Get card details by ID (human tokens only)

signets.cards.get_sensitive

Get full card number (PAN); requires intentId + reason

signets.cards.freeze

Temporarily freeze a card (human tokens only)

signets.cards.unfreeze

Unfreeze a card (human tokens only)

signets.cards.rotate

Rotate card credentials without changing policy (human tokens only)

signets.cards.close

Close a card permanently (human tokens only)

Transactions

signets.transactions.list_for_card

List transactions for a specific card

signets.transactions.get

Get transaction details

Example Flow

# 1. Create intent for a $50 purchase

signets.intents.create(
  purpose="Buy API credits for OpenAI",
  expectedAmount=5000  # cents
)

# Response (auto-approved within policy limits)

{
  "intentId": "int_abc123",
  "status": "card_issued",
  "card": { "cardId": "card_xyz", "last4": "4242" },
  "approvalRequired": false,
  "advisories": []
}

# 2. Get full card details for payment

signets.cards.get_sensitive(
  cardId="card_xyz",
  intentId="int_abc123",
  reason="Making purchase for OpenAI API credits"
)

# 3. Recurring subscription (auto-unlocks per billing window)

signets.intents.create(
  purpose="Figma subscription",
  cardId="card_existing_123",
  expectedAmount=1200,
  expectedMerchant="Figma",
  recurring={
    "cadence": { "type": "monthly" },
    "window": { "startDaysBefore": 3, "endDaysAfter": 2 },
    "match": { "amountTolerance": 0.1, "merchantMatch": true }
  }
)

Prerequisites

1.Complete KYC verification
2.Fund account for spending power
3.Create policy with spending rules
4.Create agent and assign policy
5.Connect MCP server

Common Errors

POLICY_REQUIRED

Assign a policy to the agent in dashboard

pending_approval

Amount exceeds auto-approve threshold, needs human approval

Unauthorized

Token expired or missing. Re-authenticate or supply an agent token.

Agent Skills

Pre-built payment skills for your agent

VIEW ALL SKILLS →

Skills teach your agent how to use Signets's payment tools. Install them to give your agent knowledge of the payment flow, available tools, and best practices.

OpenClaw (mcporter)

clawhub install signets-payments

Or: mcporter config add signets --url https://mcp.usesignets.ai/api/mcp

ClawHub (General)

clawhub install ai-agent-card-payments

Skills.sh

npx skills add signetshq/signets-mcp-skills

GITHUB CLAWHUB SKILLS.SH

Resources

MCP Introduction Quickstart Guide API Reference Agent Skills Dashboard

FAQ

MCP • AGENT PAYMENTS

What is the Signets MCP server?

It's a Model Context Protocol (MCP) server that lets AI agents call Signets tools to create purchase intents, get cards issued/unlocked within policy, and complete payments programmatically.

How does auth work for MCP clients?

Interactive clients use OAuth 2.0 to sign in. Autonomous agents can use an Agent Token from the dashboard as a bearer token.

Why are intents required for every purchase?

Intents declare what the agent plans to buy and how much it expects to spend so Signets can evaluate the request against policy and only unlock/issue a card when it is approved.