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What is MCP?

MCP (Model Context Protocol) is an open protocol that allows AI agents to connect to external tools and data sources. Conto’s MCP server gives Claude and other MCP-compatible agents the ability to manage wallets, make payments, track transactions, and query analytics, with custody-aware policy controls across managed and external-wallet flows.

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MCP vs AI Assistant vs Conto Pay

Conto has three natural-language surfaces. They differ by who acts, how you reach them, and whether they move funds onchain:

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Package

Install from npm:
Or run directly with npx:

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Quick Start

See Install MCP server for setup instructions covering Claude Desktop (macOS, Windows) and Claude Code (CLI).

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Getting an Agent SDK Key

  1. Sign in to Conto
  2. Go to Agents and create or select an agent
  3. Generate an SDK key from the agent’s detail page
  4. Use the conto_agent_... key as CONTO_API_KEY
MCP uses an agent SDK key, not an organization API key. If your backend also provisions agents or repairs ownership, use a separate CONTO_ORG_API_KEY for that work.

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How It Works

  1. User requests an action: A user asks Claude to make a payment, check balances, or perform another financial operation in natural language.
  2. Policy evaluation: Claude calls Conto MCP tools. The server evaluates the request against your organization’s spending policies (limits, time windows, counterparty rules, etc.).
  3. Execution: If approved, the action is executed onchain and Claude reports the result with transaction details.

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Environment Variables

The server reads CONTO_API_KEY (required) and CONTO_BASE_URL (optional). See the configuration reference in the install guide for defaults and details.

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Available Tools

The MCP server exposes tools for payments, wallets, limits, budgets, trust checks, alerts, analytics, and setup reads. See the full tools reference for details.