Operate stablecoin payments with AI

Connect Claude, ChatGPT, Cursor and through the Stables'
Model Context Protocol.

Works with

What it is

An MCP server for money movement

The Stables MCP server exposes the API as tools so AI agents can build and run payment workflows in natural language.

Stables API — AI agent integration prompt
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# Stables API — AI Agent Integration Prompt

I'm integrating the **Stables API** into this project. Stables is a developer platform for stablecoin-backed payments — you create customers, give them payment routes, and move money in and out via transfers.

## Features

- **Customers.** The Customers API is how you register your end users with Stables and submit them for verification. A customer must be created and verified before any payment routes can be opened or transfers can be made on their behalf. Customers come in two types and the required information differs between them: *individuals* (people) and *businesses* (companies, with associated beneficial owners and directors). Follow the individuals or businesses compliance docs as appropriate.

- **Payment routes.** Stables Payment Routes provide your customers with dedicated, reusable fiat deposit details that automatically convert incoming funds into stablecoins and credit them to a specified wallet. Each payment route is tied to a single fiat currency, and a customer can have one or more depending on which currencies they need to receive in.

- **Transfers.** A transfer is the instruction to move money — between Stables customers, out to an external bank account, or onto a blockchain address. Transfers are async: you submit the instruction, then Stables processes it through the relevant rail and emits webhook events as the status changes (pending → processing → completed / failed). Rely on webhooks for the terminal state.

## What I want you to do

1. **Ask which payments I want to enable first.** Customers are always required, but the payments features are optional — ask me which of them I actually want wired up (payment routes, transfers, both, plus webhooks) and scope the rest of the work to that.

2. **Read the docs.** Start at the developer platform overview and read enough of it to understand auth, environments, and the features I picked before writing any code.

3. **Review this codebase's stack** — framework, frontend/backend split, language, auth flow, how secrets are loaded, and any existing payments or webhook plumbing. Decide where the Stables integration fits and whether you need to add a backend layer (Stables calls must run server-side).

4. **Implement in order.** Always do customers first, then any payments features (payment routes, transfers) — payments depend on a verified customer existing.

5. **Wire up webhooks** for the resources you implemented so state changes flow back into the app.

6. **When done, summarise** what you built, what's still ambiguous, and what I need to do manually (credentials, env vars, registering the webhook URL).

**Ask clarifying questions** before coding if anything about the stack or where Stables fits in the user lifecycle is unclear.

---

## References
- Full docs - https://docs.stables.money/llms-full.txt
- AI agents - https://docs.stables.money/get-started/getting-started/quickstart/building-with-ai/ai-agents
- Agent safety - https://docs.stables.money/get-started/getting-started/quickstart/building-with-ai/agent-safety
- MCP - https://docs.stables.money/get-started/getting-started/quickstart/building-with-ai/mcp
- Developer platform overview — https://docs.stables.money/developer-platform/llms-full.txt
- Customer compliance — individuals — https://docs.stables.money/developer-platform/customer/compliance/individuals/llms-full.txt
- Customer compliance — businesses — https://docs.stables.money/developer-platform/customer/compliance/business/llms-full.txt
- Payment routes — https://docs.stables.money/developer-platform/payments/virtual-accounts/llms-full.txt
- Transfers — https://docs.stables.money/developer-platform/payments/transfers/llms-full.txt

Agent safety

Humans approve the money

Agents can read, draft and orchestrate freely — but any step that moves funds pauses for explicit human approval. Money movement stays in the Transfers product, with its compliance and lifecycle intact.

mcp.json
{ "mcpServers": {
    "stables": {
      "command": "npx",
      "args": ["stables-mcp-server"],
      "env": {
        "STABLES_API_KEY": "your_api_key",
        "STABLES_API_URL": "https://api.sandbox.stables.money"
      }
    } } }

FAQ

AI agents, answered

Can an AI agent move money on its own?

No. Money-moving actions require explicit human approval. Agents can read state and prepare transfers, but a person signs off before funds move.

Which AI clients are supported?

Any MCP-compatible client — including Claude, ChatGPT and Cursor.

How is this different from Transfers?

Agents orchestrate; Transfers executes. The actual payment still runs through the Transfers product with full compliance and lifecycle.

What can the MCP server do?

Operate customers, quotes, transfers, virtual accounts, API keys and webhooks — the same primitives as the REST API.

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