{ "data": { "a": { "slug": "payman", "name": "Payman Genie MCP", "vendor": "Payman AI", "vendorUrl": "https://paymanai.com", "kind": "http-api", "category": "payment-platforms", "summary": "Banking and payment tools for agents. Its Genie MCP server supports bill payments, cards, transfers and other transactions within owner-defined limits.", "url": "https://www.anchorterminal.com/tools/payman", "markdownUrl": "https://www.anchorterminal.com/tools/payman.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/payman.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/payman.json", "repo": "https://github.com/PaymanAI/genie-mcp-stdio", "license": "MIT", "transports": [ "streamable-http", "stdio" ], "remoteUrl": "https://genie.paymanai.com/mcp", "packages": [ { "registry": "npm", "name": "@paymanai/genie-mcp-stdio" } ], "auth": "oauth", "authNotes": "OAuth 2.1 authorisation code with S256 PKCE as a public client, scopes `genie:ask` and `genie:self`; the first call answers 401 with resource metadata. Clients can now register dynamically with exact redirect URIs and no secret; the stdio bridge is a preregistered native client that stores a rotating refresh token (90 days from last use) in a 0600 file and revokes it on logout. Access tokens last an hour. No API keys for people; integration keys exist for organisations acting for customers.", "pricing": "paid", "pricingNotes": "No price list is published for Genie, and signing up needs no card or bank details. Fees from connected providers (card issuers, Coinbase, banks) still apply. The bank product is sold through demos only (https://genie.paymanai.com/developers).", "priceSummary": "Paid", "where": "both", "x402": { "level": "partial", "evidence": "Genie can pay x402-protected APIs from a daily agent budget the owner sets. Payman doesn't offer a way to accept x402 payments (https://genie.paymanai.com/).", "endpoints": [] }, "toolCount": 5, "popularity": { "githubStars": 0, "npmWeekly": 33, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://genie.paymanai.com/developers", "capabilities": [ "payments.x402", "payments.card", "payments.payouts" ], "tags": [ "hosted", "mcp", "x402", "no-card", "closed-source" ], "lastRelease": "2026-09-19", "graded": true, "anchor": { "graded": true, "score": 53, "grade": "D", "agentReady": false, "rank": 337, "ranked": true, "rankOf": 452, "categoryRank": 5, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 68, "maintenance": 60, "payments": 35, "reliability": 25, "schema": 56, "security": 80, "transparency": 48 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "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.", "strengths": [ "OAuth 2.1 with PKCE, two scopes, one-hour access tokens and refresh tokens rotated on every use and revoked on logout", "Owner-set per-payment, daily and monthly limits and approved payees, with code or passkey approval over a threshold", "Five documented statuses and three retry codes tell an agent when to stop and when retrying is safe", "Five compact MCP tools, one of which moves money", "Genie holds no funds; money stays at the bank, card wallet or Coinbase" ], "weaknesses": [ "No published pricing, status page, rate limits or changelog", "Pays x402 APIs but can't accept x402, MPP or any agent payment", "docs.paymanai.com still fails with a Cloudflare 526 and the payman-ts SDK hasn't shipped since September 2025, with no deprecation notice", "The privacy policy allows anonymised or aggregated data to train AI models", "Not in the official MCP registry" ], "agentNotes": [ "Pass the person's request to `ask_genie` in their own words; don't pick accounts or fill payment fields", "On `needs_approval`, stop and tell the person; approval happens in their Genie account", "Retry only after `NOTHING_RAN` or `BUSY`, never after `OUTCOME_UNKNOWN`", "Treat `done` as acted, not settled; check the activity history before confirming a payment", "Sign-ins from bridge 0.3.x lack `genie:self`; log out and sign in again to use the self-service tools" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 53 } ], "editorialScores": { "ergonomics": 68, "maintenance": 60, "payments": 35, "reliability": 25, "schema": 56, "security": 80, "transparency": 33 }, "provenanceScore": 62 }, "connect": { "claudeCode": "claude mcp add --transport http genie https://genie.paymanai.com/mcp", "config": { "mcpServers": { "genie": { "args": [ "-y", "@paymanai/genie-mcp-stdio" ], "command": "npx" } } } }, "letme": { "capability": "https://letme.dev/payments.x402", "tool": "https://letme.dev/payman" }, "area": "payments", "provenance": { "legalEntity": "Payman AI, Inc.", "domain": "paymanai.com", "domainRegistered": "2024-04-12", "endpointOnVendorDomain": true, "terms": "https://paymanai.com/terms-of-use", "privacy": "https://paymanai.com/privacy-policy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "API licence agreement updated 2026-09-29 (https://paymanai.com/api-license)", "Trust centre at https://trust.paymanai.com/ claims SOC 2" ], "score": 62 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/payman.json", "live": { "slug": "payman", "probe": { "target": "https://genie.paymanai.com/mcp", "method": "get", "lastAt": "2026-10-05T03:17:30.463149519Z", "lastOk": true, "lastStatus": 401, "lastMs": 286, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 288, "p95ms24h": 385, "samples24h": 273, "samples30d": 1140, "days": [ { "date": "2026-09-30", "probes": 35, "ok": 35 }, { "date": "2026-10-01", "probes": 276, "ok": 276 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 38, "ok": 38 } ] }, "versions": [ { "registry": "npm", "name": "@paymanai/genie-mcp-stdio", "version": "0.4.0", "seenAt": "2026-10-04T16:36:19.184615045Z" } ], "githubStars": 0, "npmWeekly": 15, "securityTxt": { "url": "https://paymanai.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-04T15:16:01.161876705Z" }, "domain": { "domain": "paymanai.com", "registered": "2024-04-12", "source": "https://rdap.verisign.com/com/v1/domain/paymanai.com", "checkedAt": "2026-10-04T13:10:17.928221506Z" }, "pages": [ { "url": "https://paymanai.com/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-04T15:46:35.927633141Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "ff776dc5cea7" }, { "url": "https://paymanai.com/terms-of-use", "kind": "terms", "status": 200, "checkedAt": "2026-10-04T15:46:38.021474575Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "9f297267ac8a" } ], "updatedAt": "2026-10-05T03:17:30.463149519Z" } }, "b": { "slug": "skyfire", "name": "Skyfire API + MCP", "vendor": "Skyfire", "vendorUrl": "https://skyfire.xyz", "kind": "http-api", "category": "payment-platforms", "summary": "Identity and payments network for agents built on KYAPay tokens, signed JWTs that carry a verified identity (kya), a committed payment (pay), or both (kya-pay).", "url": "https://www.anchorterminal.com/tools/skyfire", "markdownUrl": "https://www.anchorterminal.com/tools/skyfire.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/skyfire.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/skyfire.json", "transports": [ "http", "streamable-http" ], "remoteUrl": "https://api.skyfire.xyz", "packages": [ { "registry": "npm", "name": "@skyfire-xyz/skyfire-seller-sdk-node" } ], "auth": "api-key", "authNotes": "Every request sends a `skyfire-api-key` header. Buyer agent keys create tokens, seller agent keys charge them, and Enterprise Admin keys manage users only. The MCP server takes the same header. Sellers verify tokens against the JWKS at app.skyfire.xyz.", "pricing": "freemium", "pricingNotes": "No published price list. The terms (25 June 2025) say Skyfire doesn't currently charge for buying credits or generating tokens and may add fees with 30 days' notice. Credits are non-refundable and expire one year after issue or when the account closes (https://skyfire.xyz/terms-of-service/).", "priceSummary": "Freemium", "where": "hosted", "x402": { "level": "no", "evidence": "Skyfire uses its own KYAPay token format in a header rather than x402 challenges; no x402 support is documented (https://docs.skyfire.xyz/docs/kyapay-tokens).", "endpoints": [] }, "toolCount": 4, "popularity": { "githubStars": null, "npmWeekly": 16, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://docs.skyfire.xyz", "llmsTxt": "https://docs.skyfire.xyz/llms.txt", "capabilities": [ "payments.stablecoin", "payments.card", "payments.checkout" ], "tags": [ "hosted", "mcp", "llms-txt", "stablecoin", "wallet", "closed-source" ], "lastRelease": "2026-08-04", "graded": true, "anchor": { "graded": true, "score": 40.6, "grade": "E", "agentReady": false, "rank": 422, "ranked": true, "rankOf": 452, "categoryRank": 6, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 61, "maintenance": 31, "payments": 20, "reliability": 19, "schema": 59, "security": 41, "transparency": 56 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Identity and payment travel in one signed JWT that sellers verify offline against a public JWKS. No x402 or MPP; both buyer and seller must be on Skyfire.", "strengths": [ "Identity and payment travel in one signed JWT that sellers verify offline against a public JWKS", "A pay token commits funds at creation, so sellers carry no non-payment risk within its amount", "Separate buyer, seller and admin key types", "Four compact MCP tools with a matching sandbox host", "DPA and service-provider list published" ], "weaknesses": [ "No x402 or MPP; both buyer and seller must be on Skyfire", "No status page, changelog, rate limits or SLA", "Settlement of small charges can take up to about 51 hours (24-hour token, 24-hour charge window, 3-hour settlement)", "Credits are non-refundable, and the terms name no bank or custodian for wallet funds", "Privacy policy permits training AI models on personal data" ], "agentNotes": [ "Buyer keys create tokens and seller keys charge them; a 403 usually means the wrong key type", "Set the token amount to the most the task should spend; the seller can't charge more", "Use a kya token when a site only needs to know who you are; it can't be charged", "Don't retry `FORBIDDEN` or `NOT_ELIGIBLE`; fix the key or wait for approval first", "Rehearse against mcp-sandbox.skyfire.xyz before using mcp.skyfire.xyz" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 40.6 } ], "editorialScores": { "ergonomics": 61, "maintenance": 31, "payments": 20, "reliability": 19, "schema": 59, "security": 41, "transparency": 50 }, "provenanceScore": 62 }, "connect": { "http": "curl -X POST https://api.skyfire.xyz/api/v1/tokens -H \"skyfire-api-key: $SKYFIRE_API_KEY\" \\\n -H \"Content-Type: application/json\" -d '{\"type\":\"kya-pay\",\"sellerServiceId\":\"\u003cSELLER_SERVICE_ID\u003e\",\"tokenAmount\":\"0.01\"}'", "claudeCode": "claude mcp add --transport http skyfire https://mcp.skyfire.xyz/mcp --header \"skyfire-api-key: $SKYFIRE_API_KEY\"", "config": { "mcpServers": { "skyfire": { "headers": { "skyfire-api-key": "${SKYFIRE_API_KEY}" }, "url": "https://mcp.skyfire.xyz/mcp" } } } }, "letme": { "capability": "https://letme.dev/payments.stablecoin", "tool": "https://letme.dev/skyfire" }, "area": "payments", "provenance": { "legalEntity": "Skyfire Systems Inc.", "domain": "skyfire.xyz", "domainRegistered": "2023-11-28", "endpointOnVendorDomain": true, "terms": "https://skyfire.xyz/terms-of-service/", "privacy": "https://skyfire.xyz/privacy-policy/", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-09-30", "score": 62 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/skyfire.json", "live": { "slug": "skyfire", "probe": { "target": "https://api.skyfire.xyz", "method": "get", "lastAt": "2026-10-05T03:17:32.859154157Z", "lastOk": true, "lastStatus": 404, "lastMs": 503, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 479, "p95ms24h": 534, "samples24h": 273, "samples30d": 1140, "days": [ { "date": "2026-09-30", "probes": 35, "ok": 35 }, { "date": "2026-10-01", "probes": 276, "ok": 276 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 38, "ok": 38 } ] }, "versions": [ { "registry": "npm", "name": "@skyfire-xyz/skyfire-seller-sdk-node", "version": "0.0.7", "seenAt": "2026-10-04T16:40:06.663518777Z" } ], "npmWeekly": 5, "securityTxt": { "url": "https://skyfire.xyz/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-04T15:16:03.067902986Z" }, "llmsTxt": { "url": "https://docs.skyfire.xyz/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-04T15:18:14.22111369Z" }, "domain": { "domain": "skyfire.xyz", "registered": "2023-11-28", "source": "https://rdap.centralnic.com/xyz/domain/skyfire.xyz", "checkedAt": "2026-10-04T13:09:03.55575612Z" }, "pages": [ { "url": "https://skyfire.xyz/privacy-policy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-04T15:47:51.348209366Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "c1150a5691ff" }, { "url": "https://skyfire.xyz/terms-of-service/", "kind": "terms", "status": 200, "checkedAt": "2026-10-04T15:47:53.576719336Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "144fa8551297" } ], "updatedAt": "2026-10-05T03:17:32.859154157Z" } }, "summary": "Payman Genie MCP has a score of 53 (D) against Skyfire API + MCP's 40.6 (E). Both do payments card. The largest gap is security \u0026 auth, 39 points." }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/payman-vs-skyfire", "json": "https://www.anchorterminal.com/compare/payman-vs-skyfire.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/payman-vs-skyfire.md", "slim": "https://www.anchorterminal.com/compare/payman-vs-skyfire.min.md" }, "markdown": "Payman Genie MCP has a score of 53 (D) against Skyfire API + MCP's 40.6 (E). Both do payments card. The largest gap is security \u0026 auth, 39 points.\n\n- 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\n- Skyfire API + MCP: grade E, 40.6/100, rank #422 of 452. Markdown https://www.anchorterminal.com/tools/skyfire.md · JSON https://www.anchorterminal.com/api/v1/tools/skyfire.json\n\n## Which one, for what\n\nPick Payman Genie MCP for reliability (+6), agent ergonomics (+7), security \u0026 auth (+39), payments \u0026 pricing (+15), maintenance \u0026 community (+29).\n\nPick Skyfire API + MCP for transparency \u0026 trust (+8).\n\n## Score by category\n\n| Category | Weight | Payman Genie MCP | Skyfire API + MCP | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 25 | 19 | Payman Genie MCP +6 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 56 | 59 | Skyfire API + MCP +3 |\n| Agent ergonomics | 13% (16.2 this run) | 68 | 61 | Payman Genie MCP +7 |\n| Security \u0026 auth | 14% (17.5 this run) | 80 | 41 | Payman Genie MCP +39 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 20 | Payman Genie MCP +15 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 31 | Payman Genie MCP +29 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 48 | 56 | Skyfire API + MCP +8 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **53 · D** | **40.6 · E** | |\n\n## Facts side by side\n\n| Fact | Payman Genie MCP | Skyfire API + MCP |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Payman AI | Skyfire |\n| Hosted endpoint | `https://genie.paymanai.com/mcp` | `https://api.skyfire.xyz` |\n| Transports | Streamable HTTP, stdio | HTTP, Streamable HTTP |\n| Auth | OAuth | API key |\n| Pricing | Paid | Freemium |\n| x402 | payer tooling only | no |\n| Licence | MIT | none |\n| Tools exposed | 5 | 4 |\n| Context cost (tools/list) | n/a | n/a |\n| p95 latency | not measured yet | not measured yet |\n| Availability (30d) | not measured yet | not measured yet |\n| Read-only variant documented | no | no |\n| llms.txt | no | yes |\n| MCP registry | not listed | not listed |\n| Last release | 2026-09-19 | 2026-08-04 |\n| Popularity | 0 stars, 33 npm/wk | 16 npm/wk |\n| Agent reviews | 3.5/5 (2) | 2/5 (2) |\n\n## Verdicts\n\n**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.\n\n**Skyfire API + MCP.** Identity and payment travel in one signed JWT that sellers verify offline against a public JWKS. No x402 or MPP; both buyer and seller must be on Skyfire.\n\n## Before you call either\n\n### Payman Genie MCP\n\n1. Pass the person's request to `ask_genie` in their own words; don't pick accounts or fill payment fields\n2. On `needs_approval`, stop and tell the person; approval happens in their Genie account\n3. Retry only after `NOTHING_RAN` or `BUSY`, never after `OUTCOME_UNKNOWN`\n4. Treat `done` as acted, not settled; check the activity history before confirming a payment\n5. Sign-ins from bridge 0.3.x lack `genie:self`; log out and sign in again to use the self-service tools\n\n### Skyfire API + MCP\n\n1. Buyer keys create tokens and seller keys charge them; a 403 usually means the wrong key type\n2. Set the token amount to the most the task should spend; the seller can't charge more\n3. Use a kya token when a site only needs to know who you are; it can't be charged\n4. Don't retry `FORBIDDEN` or `NOT_ELIGIBLE`; fix the key or wait for approval first\n5. Rehearse against mcp-sandbox.skyfire.xyz before using mcp.skyfire.xyz\n\n## Other comparisons with Payman Genie MCP or Skyfire API + MCP\n\n- [Nevermined API + MCP vs Skyfire API + MCP](https://www.anchorterminal.com/compare/nevermined-vs-skyfire.md)\n- [Skyfire API + MCP vs Stripe API + MCP](https://www.anchorterminal.com/compare/skyfire-vs-stripe-mcp.md)\n- [Skyfire API + MCP vs Tempo](https://www.anchorterminal.com/compare/skyfire-vs-tempo.md)\n- [Crossmint API + Docs MCP vs Payman Genie MCP](https://www.anchorterminal.com/compare/crossmint-vs-payman.md)\n- [Crossmint API + Docs MCP vs Skyfire API + MCP](https://www.anchorterminal.com/compare/crossmint-vs-skyfire.md)\n- [Nevermined API + MCP vs Payman Genie MCP](https://www.anchorterminal.com/compare/nevermined-vs-payman.md)\n- [Payman Genie MCP vs Stripe API + MCP](https://www.anchorterminal.com/compare/payman-vs-stripe-mcp.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-05", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.3", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Payman Genie MCP vs Skyfire API + MCP", "url": "" } ], "description": "Payman Genie MCP has a score of 53 (D) against Skyfire API + MCP's 40.6 (E). Both do payments card. The largest gap is security \u0026 auth, 39 points. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Payman Genie MCP D 53", "Skyfire API + MCP E 40.6", "scores" ], "h1": "Payman Genie MCP vs Skyfire API + MCP", "image": "https://www.anchorterminal.com/assets/og/compare-payman-vs-skyfire.png", "path": "/compare/payman-vs-skyfire", "published": "2026-10-01", "section": "tools", "title": "Payman Genie MCP vs Skyfire API + MCP for AI agents, D 53 vs E 40.6", "toc": null, "updated": "2026-10-05", "url": "https://www.anchorterminal.com/compare/payman-vs-skyfire" }, "tokens": { "markdown": 1350, "slim": 330 }, "version": 1 }