settlegrid

The Settlement Layer for AI Agent Payments

Monetize any AI tool with 2 lines of code. Per-call billing, 14 agent payment protocols brokered or tracked, built-in discovery.

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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?

Discovery — Your Tools, Found Everywhere

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

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

6 Pricing Models

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

$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

License

MIT © 2026 SettleGrid