The Settlement Layer for AI Agent Payments

---

Quick Start

npm install @settlegrid/mcp

import { settlegrid } from '@settlegrid/mcp'

const sg = settlegrid.init({
  toolSlug: 'my-tool',
  pricing: { defaultCostCents: 5 },
})

const billedHandler = sg.wrap(myHandler)

Every call validates the consumer's API key, checks their credit balance, executes your function, and meters usage — all with a single Redis balance check on the hot path.

Or scaffold a complete project instantly:

npx create-settlegrid-tool

Why SettleGrid?

	SettleGrid	Stripe Billing	Nevermined	Paid.ai
Protocol support	14 tracked (9 brokered + 2 detection + 3 emerging)	REST only	x402 / DeFi	MCP only
Real-time metering	Redis hot path	Batch only	On-chain	Per-call
Built-in discovery	8+ registries	None	None	None
Multi-hop settlement	Yes	No	Yes	No
Agent identity (KYA)	Yes	No	No	No
Budget enforcement	Yes	No	No	No
Outcome-based billing	Yes	No	Yes	No
Free tier (0% fees)	Yes	No	No	No
$1 minimum payout	Yes	No	No	No
Open-source SDK	Yes	No	Yes	No
Fraud detection	Yes	Yes	No	No

Discovery — Your Tools, Found Everywhere

SettleGrid doesn't just bill — it distributes. Every active tool is automatically discoverable across:

Channel	How it works
Showcase	Consumers browse, search, and purchase credits
Discovery API	GET /api/v1/discover — programmatic search for directories & apps
MCP Discovery Server	AI agents find tools natively via MCP protocol
HTTP MCP Endpoint	Remote streamable HTTP transport for any MCP client
Official MCP Registry	The canonical MCP server registry
Smithery	6,000+ MCP server directory
Glama	14,000+ MCP server directory
RSS Feed	New tools syndicated automatically

{
  "mcpServers": {
    "settlegrid-discovery": {
      "command": "npx",
      "args": ["@settlegrid/discovery"]
    }
  }
}

6 Pricing Models

Model	Best for	Example
Per-Invocation	Search, lookups, CRUD	5¢/call
Per-Token	LLM wrappers, text processing	$0.001/1K tokens
Per-Byte	File conversion, data export	1¢/MB
Per-Second	Video processing, ML inference	2¢/second
Tiered	Multi-method tools	read 1¢, write 5¢
Outcome-Based	Lead gen, data extraction	25¢ on success

Payment Protocol Coverage

The @settlegrid/mcp SDK adds native billing to any Model Context Protocol (MCP) tool server and provides a REST middleware for any HTTP service. On top of that, the hosted Smart Proxy at settlegrid.ai/api/proxy/{slug} brokers payments across agent payment protocols and tracks emerging specs as they mature.

9 brokered by the Smart Proxy (production or pending GA): MCP · x402 (Coinbase) · Stripe MPP · AP2 (Google) · ACP (OpenAI) · UCP (Google/Shopify) · Visa TAP · Mastercard Verifiable Intent · Circle Nanopayments

2 detection-adapter-only: L402 (Bitcoin Lightning) · KYAPay (Skyfire)

3 tracked as emerging: ACTP (Alipay's Agentic Commerce Trust Protocol) · EMVCo agent payments · DRAIN (Bittensor Subnet 58)

Features

Billing & Metering

• A single Redis balance check on the hot path, on every call
• Budget enforcement — HTTP 402 when exceeded
• Auto-refill credits via Stripe
• Multi-hop settlement across agent chains — each hop settled as it completes

Security & Compliance

• Agent identity (KYA) with trust scoring
• Fraud detection (12 real-time signals)
• IP allowlisting (CIDR support)
• HMAC-SHA256 webhook signatures
• Audit logging with CSV export (SOC 2 ready)
• Sandbox/test mode

Developer Experience

• sg.wrap() — one function, any handler
• 6 pricing models configurable from dashboard
• 97 open-source templates with billing pre-wired
• CLI scaffolder: npx create-settlegrid-tool
• Discovery tab with badge generator, checklist, API URLs
• Consumer reviews with developer responses
• Quality gates + Verified badge for activated tools
• Proactive monitoring (onboarding drip, quality alerts, monthly summary)

Pricing

Tier	Price	Ops/month	Take Rate
Free	$0 forever	25,000	0%
Starter	$9/mo	100,000	5%
Growth	$29/mo	500,000	5%
Scale	$79/mo	2,000,000	5%

$1 minimum payout — the lowest in the industry. Stripe Connect Express for instant payouts.

REST API Middleware

For non-MCP services (Express, Next.js, Hono, etc.):

import { settlegridMiddleware } from '@settlegrid/mcp'

const withBilling = settlegridMiddleware({
  toolSlug: 'my-api',
  costCents: 5,
})

export async function GET(request: Request) {
  return withBilling(request, async () => {
    return Response.json({ data: 'hello' })
  })
}

Project Structure

settlegrid/
├── apps/web/                  # Next.js 15 platform (settlegrid.ai)
├── packages/mcp/              # @settlegrid/mcp SDK
├── packages/discovery-server/ # @settlegrid/discovery MCP server
├── packages/create-tool/      # npx create-settlegrid-tool CLI
├── open-source-servers/       # 1,017 indexed MCP servers
└── .mcp.json                  # MCP plugin config (Cursor, Claude)

Links

Website	settlegrid.ai
Documentation	settlegrid.ai/docs
Discovery Guide	settlegrid.ai/learn/discovery
Handbook	settlegrid.ai/learn/handbook
API Reference	settlegrid.ai/api/openapi.json
Discovery API	settlegrid.ai/api/v1/discover
RSS Feed	settlegrid.ai/api/feed
npm (SDK)	@settlegrid/mcp
npm (Discovery)	@settlegrid/discovery
MCP Registry	io.github.lexwhiting/settlegrid-discovery
Support	support@settlegrid.ai

License

MIT © 2026 SettleGrid