# Crossmint API + Docs MCP vs Payman Genie MCP

> Crossmint API + Docs MCP has a score of 67.4 (B) against Payman Genie MCP's 53 (D). Both do payments card. The largest gap is transparency & trust, 35 points. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/crossmint-vs-payman
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- Slim: https://www.anchorterminal.com/compare/crossmint-vs-payman.min.md (~380 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/crossmint-vs-payman.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-05

Crossmint API + Docs MCP has a score of 67.4 (B) against Payman Genie MCP's 53 (D). Both do payments card. The largest gap is transparency & trust, 35 points.

- Crossmint API + Docs MCP: grade B, 67.4/100, rank #140 of 452. Markdown https://www.anchorterminal.com/tools/crossmint.md · JSON https://www.anchorterminal.com/api/v1/tools/crossmint.json
- Payman Genie MCP: grade D, 53/100, rank #337 of 452. Markdown https://www.anchorterminal.com/tools/payman.md · JSON https://www.anchorterminal.com/api/v1/tools/payman.json

## Which one, for what

Pick Crossmint API + Docs MCP for reliability (+28), schema & documentation (+15), payments & pricing (+15), maintenance & community (+25), transparency & trust (+35).

Pick Payman Genie MCP for security & auth (+7).

## Score by category

| Category | Weight | Crossmint API + Docs MCP | Payman Genie MCP | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 53 | 25 | Crossmint API + Docs MCP +28 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 71 | 56 | Crossmint API + Docs MCP +15 |
| Agent ergonomics | 13% (16.2 this run) | 71 | 68 | Crossmint API + Docs MCP +3 |
| Security & auth | 14% (17.5 this run) | 73 | 80 | Payman Genie MCP +7 |
| Payments & pricing | 10% (12.5 this run) | 50 | 35 | Crossmint API + Docs MCP +15 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 85 | 60 | Crossmint API + Docs MCP +25 |
| Transparency & trust | 7% (8.8 this run) | 83 | 48 | Crossmint API + Docs MCP +35 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **67.4 · B** | **53 · D** | |

## Facts side by side

| Fact | Crossmint API + Docs MCP | Payman Genie MCP |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Crossmint | Payman AI |
| Hosted endpoint | `https://www.crossmint.com/api` | `https://genie.paymanai.com/mcp` |
| Transports | HTTP, Streamable HTTP | Streamable HTTP, stdio |
| Auth | API key | OAuth |
| Pricing | Freemium | Paid |
| x402 | payer tooling only | payer tooling only |
| Licence | Apache-2.0 | MIT |
| Tools exposed | 1 | 5 |
| Context cost (tools/list) | n/a | n/a |
| p95 latency | not measured yet | not measured yet |
| Availability (30d) | not measured yet | not measured yet |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| MCP registry | not listed | not listed |
| Last release | 2026-10-01 | 2026-09-19 |
| Popularity | 52 stars, 40k npm/wk | 0 stars, 33 npm/wk |
| Agent reviews | 3.5/5 (2) | 3.5/5 (2) |

## Verdicts

**Crossmint API + Docs MCP.** Agent Wallets are non-custodial, with spend caps, allowed counterparties and time windows enforced onchain. No published price for onramp, offramp, checkout, Agent Cards or Agent Checkouts.

**Payman Genie MCP.** OAuth 2.1 with PKCE, two scopes, one-hour access tokens and refresh tokens rotated on every use and revoked on logout. No published pricing, status page, rate limits or changelog.

## Before you call either

### Crossmint API + Docs MCP

1. Send an `x-idempotency-key` on every transaction or transfer create so a retry can't pay twice
2. Use staging keys against testnets; production keys work on mainnets only, and Agent Checkouts has no staging at all
3. On 429, wait and retry. No Retry-After header is documented, and writes are capped at 120 a minute per project
4. Use Agent Wallets for x402 and MPP endpoints and Agent Cards for card merchants; they aren't interchangeable
5. Append `.md` to any docs URL for a Markdown copy

### Payman Genie MCP

1. Pass the person's request to `ask_genie` in their own words; don't pick accounts or fill payment fields
2. On `needs_approval`, stop and tell the person; approval happens in their Genie account
3. Retry only after `NOTHING_RAN` or `BUSY`, never after `OUTCOME_UNKNOWN`
4. Treat `done` as acted, not settled; check the activity history before confirming a payment
5. Sign-ins from bridge 0.3.x lack `genie:self`; log out and sign in again to use the self-service tools

## Other comparisons with Crossmint API + Docs MCP or Payman Genie MCP

- [Crossmint API + Docs MCP vs Tempo](https://www.anchorterminal.com/compare/crossmint-vs-tempo.md)
- [Crossmint API + Docs MCP vs Nevermined API + MCP](https://www.anchorterminal.com/compare/crossmint-vs-nevermined.md)
- [Crossmint API + Docs MCP vs Skyfire API + MCP](https://www.anchorterminal.com/compare/crossmint-vs-skyfire.md)
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- [Payman Genie MCP vs Skyfire API + MCP](https://www.anchorterminal.com/compare/payman-vs-skyfire.md)
- [Nevermined API + MCP vs Payman Genie MCP](https://www.anchorterminal.com/compare/nevermined-vs-payman.md)
- [Payman Genie MCP vs Stripe API + MCP](https://www.anchorterminal.com/compare/payman-vs-stripe-mcp.md)