@moneygraph/sdk

Cross-border payment SDK for AI agents and developers. Send payouts to 82+ countries via bank transfer, mobile money, SWIFT, SEPA, ACH, and cash pickup. Virtual cards, crypto wallets, fiat virtual accounts. 328 FX pairs. Full sandbox. Native integration with 20+ AI agent platforms.

Powered by StratosPay. Built by MoneyGraph.

Get API keys: https://stratospay.com/dashboard/api-keys Full docs: https://docs.moneygraph.ai MCP Server: @moneygraph/mcp-server — 45 tools for AI agents Sandbox (no key needed): import { MoneyGraphSandbox } from '@moneygraph/sdk'

Install

npm install @moneygraph/sdk

Environment Setup

The SDK uses two separate key systems. Copy .env.example to .env and fill in your keys:

# MoneyGraph MCP Server (AI agent integration)
MONEYGRAPH_API_KEY=sk_sandbox_demo

# StratosPay Direct API — Secret Keys (server-side ONLY)
STRATOSPAY_LIVE_SECRET_KEY=sk_live_...
STRATOSPAY_TEST_SECRET_KEY=sk_test_...

# StratosPay Direct API — Public Keys (client-side safe)
STRATOSPAY_LIVE_PUBLIC_KEY=pk_live_...
STRATOSPAY_TEST_PUBLIC_KEY=pk_test_...

# Environment mode: "live" or "test"
STRATOSPAY_MODE=test

# Webhook verification
STRATOSPAY_WEBHOOK_SECRET=whsec_...

# IP Whitelisting (reference only — configure at stratospay.com/dashboard)
STRATOSPAY_IPV4_WHITELIST=203.0.113.50
STRATOSPAY_IPV6_WHITELIST=2001:db8::1

Get your keys at stratospay.com/dashboard/api-keys.

Quick Start

Production (from environment variables)

import { MoneyGraphClient } from '@moneygraph/sdk';
const mg = MoneyGraphClient.fromEnv(); // reads STRATOSPAY_* from process.env

const result = await mg.sendBankPayout({
  customerId: '0605399',
  walletId: 'wallet-uuid',
  corridorId: 'corridor-uuid',
  deliveryWindowId: 'window-uuid',
  amount: 50000, // minor units: 50000 = $500.00
  recipientFirstName: 'Friday', recipientLastName: 'Okoro',
  routingType: 'SWIFT', routingCode: 'GTBINGLA',
  acctNo: '0123456789', acctName: 'Friday Okoro'
});

Production (explicit config)

const mg = new MoneyGraphClient({
  secretKey: 'sk_live_...',
  publicKey: 'pk_live_...',       // optional
  webhookSecret: 'whsec_...',    // optional
  mode: 'live',                   // auto-detected from key prefix
});

Sandbox (No API Key)

import { MoneyGraphSandbox } from '@moneygraph/sdk';
const mg = new MoneyGraphSandbox();
// Identical API — all 79 methods, real FX rates (328 pairs), zero config

Webhook Verification

const isValid = mg.verifyWebhookSignature(rawBody, req.headers['x-stratospay-signature']);

Native AI Agent Integration — 20 Platforms

MoneyGraph provides dedicated, native integration for 20 AI agent platforms across 12 deliverables. Every integration uses the same StratosPay backend.

Get live API keys: https://moneygraph.ai

OpenClaw (Clawdbot / Moltbot)

Platforms reached: WhatsApp, Telegram, Discord, Slack, Signal, iMessage, Microsoft Teams, Google Chat, Matrix, WebChat

OpenClaw is the #1 consumer AI agent of 2026 (100K+ GitHub stars, created by Peter Steinberger). MoneyGraph ships as a native OpenClaw managed skill registered on ClawHub. Users send money by texting their OpenClaw agent in any messaging app.

Install:

openclaw skill add moneygraph

Package: @moneygraph/openclaw-skill

Technical coverage:

• 5 consumer-safe tools: send_money, check_rates, track_payout, list_wallets, swap_currency
• send_money handles the entire flow internally (corridor lookup → customer creation → KYC → recipient → payout) — the user says "send $500 to Friday in Nigeria" and the skill does everything
• Amounts in human dollars (500 = $500), not minor units — conversion happens inside the tool
• Country name resolver with typo tolerance ("nigera" → NG, "phillipines" → PH, "uk" → GB)
• Mandatory confirmation step before any payout execution (financial safety for messaging apps)
• Persistent memory: stores customer_id and recipient details across sessions so "send $200 to Amara again" works without re-entering bank details
• Sandbox mode when no API key is configured (zero-config demo)
• Published on ClawHub skill registry

Claude (Anthropic API) — Tool Use

Package: @moneygraph/sdk/claude (subpath export, ships with core SDK) Status: Shipped

import { MONEYGRAPH_SYSTEM_PROMPT, MONEYGRAPH_TOOLS } from '@moneygraph/sdk/claude';

const response = await anthropic.messages.create({
  model: 'claude-sonnet-4-20250514',
  max_tokens: 4096,
  system: MONEYGRAPH_SYSTEM_PROMPT,
  tools: MONEYGRAPH_TOOLS,
  messages: [{ role: 'user', content: 'Send $500 to Nigeria' }]
});

Technical coverage:

• MONEYGRAPH_SYSTEM_PROMPT — complete instruction text teaching Claude the two-step payout flow, amount handling (minor units), UUID requirements, KYC rules, and all available operations
• MONEYGRAPH_TOOLS — 18 tool definitions with JSON Schema input_schema matching Anthropic's tool use format exactly
• Tools: create_customer, create_business_customer, get_customer, list_customers, update_customer, submit_kyc, get_customer_wallets, get_currencies, list_countries, list_wallets, list_transfer_purposes, create_recipient, list_recipients, create_payout, swap_funds, initiate_payment, verify_payment, simulate_payout_success
• Claude calls tools via tool_use content blocks; developer executes against MoneyGraphClient or MoneyGraphSandbox and returns tool_result

Claude Desktop / Claude Code / Cursor / VS Code Copilot / Windsurf / Cline / Continue — MCP Server

Package: @moneygraph/mcp-server Agents covered: 7 (Claude Desktop, Claude Code, Cursor, VS Code Copilot, Windsurf, Cline, Continue)

One MCP server package natively covers 7 AI agents via the Model Context Protocol.

Install (all platforms):

{
  "mcpServers": {
    "moneygraph": {
      "command": "npx",
      "args": ["-y", "@moneygraph/mcp-server"],
      "env": { "MONEYGRAPH_API_KEY": "sk_sandbox_demo" }
    }
  }
}

Config locations:

• Claude Desktop: claude_desktop_config.json
• Claude Code: claude mcp add moneygraph -- npx -y @moneygraph/mcp-server
• Cursor: .cursor/mcp.json
• VS Code Copilot: .vscode/settings.json → mcp.servers
• Windsurf / Cline / Continue: respective MCP config files

Technical coverage:

• 45 tools — full API surface: customers, directors, recipients, payouts, wallets, FX swaps, payment collection, recurring plans, transactions, reference data, blockchain ledger
• 6 resources — live data: FX rates by corridor, wallet balances, delivery windows, server status
• 4 prompts — conversation starters: send-money, onboard-customer, check-rates, track-payout
• Server instructions — teaches every LLM the two-step flow, minor units, UUID dependencies, recommended tool sequence
• Dual mode: sandbox (no key or sk_sandbox_*) / production (sk_live_*)
• stdio transport, zero external dependencies beyond MCP SDK + MoneyGraph SDK
• Listed on MCP Registry, Smithery, LobeHub, mcp.so, Composio, Glama, PulseMCP

ChatGPT / OpenAI — Function Calling + GPT Actions

Package: @moneygraph/openai Agents covered: ChatGPT API, GPT Actions, OpenAI Operator

import { tools, systemPrompt } from '@moneygraph/openai';
import OpenAI from 'openai';

const response = await openai.chat.completions.create({
  model: 'gpt-4o',
  tools: tools,
  messages: [
    { role: 'system', content: systemPrompt },
    { role: 'user', content: 'Send $200 to Kenya via M-Pesa' }
  ]
});

Technical coverage:

• tools — 18 function definitions pre-formatted for OpenAI's tools parameter (no manual transformation from Anthropic format)
• systemPrompt — instruction text adapted for GPT-4o/GPT-4 turbo
• GPT Actions: OpenAPI 3.0 spec hosted at moneygraph.ai/openapi.json for ChatGPT plugin/action integration
• OpenAI Operator: payment flow page at moneygraph.ai/pay that Operator can navigate as a browser agent

LangChain

Package: @moneygraph/langchain

import { MoneyGraphToolkit } from '@moneygraph/langchain';
const toolkit = new MoneyGraphToolkit({ apiKey: 'sk_live_...' });
const tools = toolkit.getTools(); // DynamicStructuredTool[] for all operations

Technical coverage:

• Pre-built DynamicStructuredTool instances with Zod schemas for every SDK method
• System prompt as SystemMessage ready for agent injection
• Works with createToolCallingAgent, createOpenAIToolsAgent, createReactAgent
• LangChain JS native; Python via subprocess bridge or HTTP wrapper

CrewAI

Package: moneygraph-crewai (PyPI)

from moneygraph_crewai import MoneyGraphTools
tools = MoneyGraphTools(api_key="sk_live_...")
# Returns @tool decorated functions for all payment operations

Technical coverage:

• Python package with @tool decorated functions wrapping MoneyGraph SDK via HTTP
• Each tool has full docstring + type annotations for CrewAI's tool discovery
• Tools: send_bank_payout, send_mobile_money_payout, check_rates, create_customer, list_wallets, swap_funds, track_transaction

Vercel AI SDK

Package: @moneygraph/ai

import { moneyGraphTools } from '@moneygraph/ai';
import { generateText } from 'ai';
import { openai } from '@ai-sdk/openai';

const result = await generateText({
  model: openai('gpt-4o'),
  tools: moneyGraphTools({ apiKey: 'sk_live_...' }),
  prompt: 'Send $300 to Ghana'
});

Technical coverage:

• Pre-built tool() definitions with Zod schemas and execute functions wired to MoneyGraph SDK
• Compatible with any Vercel AI SDK provider (OpenAI, Anthropic, Google, Mistral)
• Includes all 45 operations as individual tools

Autogen (Microsoft)

Package: moneygraph (PyPI)

from moneygraph import MoneyGraph
mg = MoneyGraph(api_key="sk_live_...")
# Register tools with Autogen agents via function specs

Technical coverage:

• Thin Python HTTP wrapper around StratosPay REST API
• Function specs compatible with Autogen's register_function pattern
• Full type hints and docstrings for LLM function calling

Semantic Kernel (Microsoft)

Package: MoneyGraph.SemanticKernel (NuGet)

using MoneyGraph.SemanticKernel;
var plugin = new MoneyGraphPlugin("sk_live_...");
kernel.Plugins.Add(plugin);

Technical coverage:

• C# / .NET plugin implementing Semantic Kernel's KernelFunction pattern
• HTTP calls to StratosPay REST API (https://stratospay.com/api/v1)
• Full XML documentation for all methods

Manus AI (Meta) / Amazon Nova Act / Google Mariner

Integration: OpenAPI spec at moneygraph.ai/openapi.json

These browser-based and API-consuming agents discover MoneyGraph via the published OpenAPI 3.0 specification. Manus (acquired by Meta in December 2025) uses its Browser Operator to interact with web APIs. Nova Act and Mariner consume REST endpoints directly.

Technical coverage:

• OpenAPI 3.0 spec with all 55 endpoints, request/response schemas, authentication, and error codes
• Hosted at moneygraph.ai/openapi.json (auto-discoverable)
• Payment flow web UI at moneygraph.ai/pay for browser agent interaction (Operator, Mariner)

Replit Agent / Devin / Bolt / Lovable / v0

Integration: Direct SDK import + project templates

import { MoneyGraphSandbox } from '@moneygraph/sdk';
const mg = new MoneyGraphSandbox();
// Full IntelliSense via TypeScript definitions
const rates = await mg.getCurrencies('NG');

Technical coverage:

• All AI coding agents that run Node.js use @moneygraph/sdk directly
• Complete TypeScript definitions (src/index.d.ts) provide autocomplete, parameter docs, and type checking for AI code generation
• Replit template: pre-wired project with SDK, sandbox customer, and example payout flow
• Devin task template: documented in MoneyGraph docs with step-by-step instructions

Agent Coverage Matrix

| # | Agent | Package | Integration Type | Native | |---|-------|---------|-----------------|--------| | 1 | OpenClaw (WhatsApp/Telegram/Discord/Slack/Signal/iMessage/Teams) | @moneygraph/openclaw-skill | OpenClaw Skill (ClawHub) | Yes | | 2 | Claude API | @moneygraph/sdk/claude | Anthropic Tool Use | Yes | | 3 | Claude Desktop | @moneygraph/mcp-server | MCP Server (stdio) | Yes | | 4 | Claude Code | @moneygraph/mcp-server | MCP Server (stdio) | Yes | | 5 | Cursor | @moneygraph/mcp-server | MCP Server (stdio) | Yes | | 6 | VS Code Copilot | @moneygraph/mcp-server | MCP Server (stdio) | Yes | | 7 | Windsurf | @moneygraph/mcp-server | MCP Server (stdio) | Yes | | 8 | Cline | @moneygraph/mcp-server | MCP Server (stdio) | Yes | | 9 | Continue | @moneygraph/mcp-server | MCP Server (stdio) | Yes | | 10 | ChatGPT / OpenAI API | @moneygraph/openai | OpenAI Function Calling | Yes | | 11 | GPT Actions | openapi.json | OpenAPI 3.0 | Yes | | 12 | OpenAI Operator | moneygraph.ai/pay | Web UI (browser agent) | Yes | | 13 | LangChain | @moneygraph/langchain | DynamicStructuredTool | Yes | | 14 | CrewAI | moneygraph-crewai (PyPI) | @tool decorator | Yes | | 15 | Vercel AI SDK | @moneygraph/ai | Vercel tool() | Yes | | 16 | Autogen | moneygraph (PyPI) | Python wrapper | Yes | | 17 | Semantic Kernel | MoneyGraph.SemanticKernel (NuGet) | KernelFunction plugin | Yes | | 18 | Manus AI / Meta | openapi.json | OpenAPI / REST | Yes | | 19 | Replit Agent | @moneygraph/sdk + template | npm + TypeScript | Yes | | 20 | Devin | @moneygraph/sdk + template | npm + TypeScript | Yes |

All 20 integrations use the same StratosPay backend. Get API keys at https://moneygraph.ai.

API Coverage — 79 Endpoints

| Category | Count | Key Methods | |----------|-------|-------------| | Customers | 9 | createCustomer, createBusinessCustomer, updateCustomer, listCustomers, getCustomer, submitKyc, uploadKycDocument, getCustomerWallets, getCustomerTransactions | | Directors (KYB) | 5 | listDirectors, getDirector, createDirector, updateDirector, deleteDirector | | Virtual Cards | 11 | createCardholder, getCardholder, createVirtualCard, getVirtualCard, listVirtualCards, fundVirtualCard, withdrawFromVirtualCard, activateVirtualCard, deactivateVirtualCard, getCardTransactions, decryptCard | | Crypto Wallets | 2 | listCustomerCryptoWallets, createCustomerCryptoWallet | | Fiat Virtual Accounts | 3 | createVirtualAccount, listVirtualAccounts, getVirtualAccount | | Crypto Address | 3 | createCryptoAddress, listCryptoAddresses, getCryptoAddress | | Reference Data | 11 | listCountries, getCurrencies, listSourceOfFunds, listMccCodes, listBusinessRegistrationTypes, listAccountFiatCurrencies, listAccountCryptoCurrencies, listWallets, listCryptoWallets, getCryptoCurrencies, swapFunds | | Local Transfers | 2 | transferToCustomer, transferFromCustomer | | Payment Collection | 4 | initiatePayment, chargeCard, verifyPayment, cashPayment | | Recurring Plans | 5 | createPlan, getPlan, listPlans, updatePlan, deletePlan | | Transactions | 4 | listTransactions, getTransaction, getRecipientTransactions, getWalletTransactions | | Recipients | 5 | createRecipient, getRecipient, listRecipients, updateRecipient, deleteRecipient | | Payouts | 8 | createPayout, verifyBank, listTransferPurposes, listBanks, listMobileNetworks, getCryptoPayout, listCashPickupAgents | | Sandbox Simulation | 2 | simulatePayoutSuccess, simulatePayoutDecline | | Blockchain Ledger | 11 | createLedgerEntity, getLedgerEntity, listLedgerEntities, ledgerCredit, ledgerDebit, ledgerTransfer, getLedgerTransaction, getLedgerTransactions, ledgerFetchBalances, ledgerValidateBulk, ledgerBulkTransaction | | Convenience | 2 | sendBankPayout, sendMobileMoneyPayout |

Bold = New in v3.1.0

Key Concepts

Two-Step Payout Flow: Create a Recipient first, then a Payout. The sendBankPayout() and sendMobileMoneyPayout() convenience methods handle both steps in one call. getCurrencies() provides all required UUIDs.

Amounts in Minor Units: All amounts are integers. 50000 = $500.00. Multiply by 100.

Customer IDs: Numeric strings like "0605399".

UUID References: wallet_id, recipient_id, corridor_id, delivery_window_id are UUIDs from the API.

Base Currencies & Payment Rails

| Currency | Rails | Corridors | |----------|-------|-----------| | USD | ACH, Wire, SWIFT | 82 countries | | GBP | Faster Payments, SWIFT | 82 countries | | EUR | SEPA, BACS, SWIFT | 82 countries | | CAD | SWIFT | 82 countries |

Delivery Methods

| Method | Speed | |--------|-------| | Bank Transfer (SWIFT) | 1-3 business days | | Mobile Money (M-Pesa, MTN, Airtel) | Minutes | | Cash Pickup | Same day | | SEPA | 1 business day | | Faster Payments | Minutes | | ACH | 1-2 business days |

Rate Data (Sandbox)

import { SWAP_RATES, PAYOUT_RATES, REMITTANCE_CORRIDORS } from '@moneygraph/sdk/rates';
PAYOUT_RATES.USD.NG   // { c: 'NGN', r: 1602.34 }
PAYOUT_RATES.GBP.KE   // { c: 'KES', r: 172.21 }
SWAP_RATES.USD.rates.GBP  // 0.7455

Configuration

From Environment Variables (Recommended)

import { MoneyGraphClient } from '@moneygraph/sdk';
const mg = MoneyGraphClient.fromEnv(); // reads STRATOSPAY_* from process.env

Explicit Config

const mg = new MoneyGraphClient({
  secretKey: 'sk_live_...',                  // required — from stratospay.com/dashboard
  publicKey: 'pk_live_...',                  // optional — for client-side operations
  webhookSecret: 'whsec_...',               // optional — for webhook signature verification
  mode: 'live',                              // auto-detected from key prefix if omitted
  baseUrl: 'https://stratospay.com/api/v1',  // default
  timeout: 30000,                            // ms
  onRateLimit: ({ remaining }) => console.warn(`${remaining} left`)
});

Rate limit: 30 req/min. Sandbox: no config, no key, no rate limits.

MCP Server (AI Agents)

npx @moneygraph/mcp-server

Uses MONEYGRAPH_API_KEY env var (separate from STRATOSPAY_* keys). See @moneygraph/mcp-server for setup with Claude, Cursor, VS Code, etc.

TypeScript

import type {
  MoneyGraphClient, MoneyGraphSandbox,
  Customer, Recipient, Transaction, Wallet,
  CurrencyConfig, RemittanceCorridor, DeliveryWindow,
  LedgerEntity, Plan
} from '@moneygraph/sdk';

Links

| Resource | URL | |----------|-----| | Homepage & API Keys | https://moneygraph.ai | | Documentation | https://moneygraph.ai/docs | | Pricing | https://moneygraph.ai/pricing | | REST API Reference | https://moneygraph.ai/docs/rest-api | | OpenAPI Spec | https://moneygraph.ai/openapi.json | | GitHub | https://github.com/moneygraph/sdk | | npm | https://www.npmjs.com/package/@moneygraph/sdk | | OpenClaw Skill | https://clawd.bot/clawhub/moneygraph | | Status | https://status.moneygraph.ai | | Support | [email protected] |

License

MIT