agent-wallet-mcp

A non-custodial RWA service for AI agents on Solana — yield comparison, tokenized US-equity quotes, and ready-to-sign transactions. Funds stay in your wallet; we never sign.

Connect this MCP server to Claude, Cursor, Claude Code, or any MCP-compatible client. Your AI can then:

• Compare USDC lending yields across Solana, Ethereum, Base, Arbitrum (read-only data).
• Quote and build transactions to buy Backed xStocks (16 tickers — NVDAx, TSLAx, SPYx, QQQx, COINx, …) on Solana.
• Snapshot any wallet's portfolio (SOL, USDC, held xStocks valued live via Jupiter).
• Track transaction confirmations.

You sign every transaction in your own Phantom (or other Solana wallet). We do not custody funds, hold keys, or co-sign. Architecturally we are a service — closer to Tradingview than to a wallet.

Signals to act on: pair this with StockWaves — pay-per-call quant signals (equities / crypto / cross-asset macro) over the x402 protocol. StockWaves tells an agent what to trade; this server lets it execute non-custodially.

Why this exists

Tokenized US equities (Backed's xStocks, Ondo Global Markets) and on-chain treasury products are the fastest-growing real-world-asset (RWA) category. As of mid-2026 these have real liquidity on Solana — NVDAx, TSLAx, SPYx all carry $300K-$3M each, with ~$5/share trades incurring zero detectable price impact.

Coinbase, Phantom, and Crossmint all offer "agent wallets," but they are generic. None opinionated about RWA discovery, yield aggregation, or the boring-but-correct execution that makes idle USDC actually earn. This server fills that gap, distributed via the AI tool layer.

Install

Add to ~/Library/Application Support/Claude/claude_desktop_config.json (Claude Desktop on macOS) or your editor's MCP config:

{
  "mcpServers": {
    "agent-wallet": {
      "command": "npx",
      "args": ["-y", "@kaditang/agent-wallet-mcp"]
    }
  }
}

The npm package is published as @kaditang/agent-wallet-mcp (and listed in the official MCP Registry) — the config above runs it directly via npx, no clone needed. Requires @kaditang/agent-wallet-mcp ≥ 0.2.1 (stdio entry).

To run from source instead (for development), clone this repo and run:

git clone https://github.com/kaditang/agent-wallet-mcp.git
cd agent-wallet-mcp && npm install
cp .env.example .env   # then fill in SOL_RPC (api keys are minted via Phantom at /account)
npm run mcp:http       # serves on :3030

Then point your MCP client at http://localhost:3030/mcp with an Authorization: Bearer <your-api-key> header.

Solana RPC endpoint (recommended)

Public RPCs (api.mainnet-beta.solana.com) rate-limit aggressively and reject getTokenAccountsByOwner in some cases. For any meaningful traffic you want a paid endpoint as primary; public ones are kept as fallback automatically.

Free tier from Helius is enough for V1:

1. Sign up → New project → copy the RPC URL (looks like https://mainnet.helius-rpc.com/?api-key=...)
2. Set in .env:

   SOL_RPC=https://mainnet.helius-rpc.com/?api-key=YOUR_KEY

3. (Optional) add a second provider as SOL_RPC_FALLBACK_1 for redundancy.

The pool tries primary first; on transient failures (429, timeouts, 5xx) it falls through to fallbacks, then to the public mainnet-beta + publicnode endpoints.

Error monitoring (optional)

Set SENTRY_DSN to ship server-side errors to Sentry. Disabled by default; no outbound network when unset. Captures 500s and broadcast failures with sanitized context — request bodies, cookies, headers (which can carry api keys) are stripped before send.

SENTRY_DSN=https://<key>@oXXXXXX.ingest.sentry.io/XXXXXX
SENTRY_RELEASE=<git-sha>            # optional, for release tracking

Tool surface

| Tool | Purpose | Signs anything? | |------|---------|-----------------| | compare_yields | Rank USDC lending + tokenized-treasury yields across chains, risk-adjusted (volatility / TVL / protocol / stability / reward-dependence), not headline APY. Solana protocols tagged executable: true. | No | | list_yield_tokens | List supported tokenized treasuries (USDY by Ondo). | No | | list_xstocks | List supported tokenized US equities (Backed xStocks). | No | | quote_tokenized_stock | Live Jupiter quote for USDC → xStock + a best-entry-timing signal (premium vs the underlying stock, compared against a same-market-regime baseline — US market open vs closed). | No | | get_portfolio | Snapshot a wallet: SOL, USDC, xStocks + yield tokens valued via Jupiter. | No | | portfolio_health | "Should I do anything?" — holdings vs best risk-adjusted yield + per-xStock timing + actionable notes. | No | | suggest_rebalance | Given a target allocation, compute the buy/sell trades to reach it. Read-only; user executes. | No | | export_history | Export tokenized-equity / yield trade history (date, action, price, CSV) — a record for your accountant, not tax advice. | No | | track_tx | Lookup confirmation status for a Solana signature. | No | | build_deposit_yield_tx | Build unsigned USDC → USDY tx + one-click sign URL. | No — user signs in Phantom. | | build_withdraw_yield_tx | Build unsigned USDY → USDC tx + sign URL. | No | | build_buy_xstock_tx | Build unsigned USDC → xStock tx + sign URL. | No | | build_sell_xstock_tx | Build unsigned xStock → USDC tx + sign URL. | No |

Architecture

[Claude / Cursor / Claude Code]
        ↓ MCP (stdio or HTTP)
[agent-wallet-mcp server]
   ├─ READ tools (DefiLlama, Jupiter quote, RPC reads)
   ├─ BUILD tools (Jupiter swap → unsigned VersionedTransaction)
   └─ MONITOR tools (RPC signature lookup)
        ↓ returns tx + signUrl
[user's browser]
        ↓ Phantom signs + sends
[Solana mainnet]

Zero custody, zero signing keys held by the server. The service is pure intelligence + transaction construction.

Quick example

User to Claude:

"I have a Solana wallet at 7QCg1LegbEE2eYDJZfgeMX7JhjtFVVZx9su3HzncuSh2. Buy me 5 USDC of NVDA tokenized."

Claude calls build_buy_xstock_tx → receives sign URL → shows it to you. You click, Phantom prompts, you approve. ~0.023 NVDAx lands in your wallet.

Coverage

| Asset class | V1 | V1.5 | V2 | |---|---|---|---| | Backed xStocks (Solana) | ✅ | | | | USDC lending data (cross-chain) | ✅ | | | | Solana lending execution (Kamino / MarginFi / JLP) | | ✅ | | | Ethereum-side RWA execution (BUIDL / OUSG / USDY) | | | ✅ | | Cross-chain rebalance | | | ✅ |

Caveats

• You sign every action. Auto-execution requires V1.5's optional Squads-spending-limit grant (separately, opt-in).
• Tokenized equities are issued under non-US prospectuses. Issuers (Backed, Ondo) restrict US persons. We do not onboard or KYC anyone — that's between you and the issuer.
• Markets move. Slippage cap is 0.5% by default; widen it carefully on illiquid pairs.

Security

This service handles a real-money path. We've documented the full security posture, threat model, audit history, and vulnerability-disclosure process in SECURITY.md — including a verifiable account of what "non-custodial" means here (i.e., what an attacker who controls our backend cannot do).

If you find a security issue, please open a private Security Advisory instead of a public issue. See SECURITY.md for the full disclosure process.

License

MIT

Status

Live on Solana mainnet. First USDC → Ondo USDY transaction signed via Phantom + broadcast through this service: 55Agf6...JEusD

Building in public.