DeriveAI x402 APIs vs Pay MCP

In-depth architectural comparison of the DeriveAI x402 APIs and Pay MCP MCP servers. Compare execution transports, security boundaries, tool capabilities, quality scores, and ready-to-paste client installation snippets for Claude, Cursor, Windsurf, and VS Code.

Which MCP Server Should You Choose?

Choose DeriveAI x402 APIs when:

• You need dedicated capabilities in the Finance & Fintech domain.
• You prefer remote streaming HTTP/SSE transport architecture.
• Your security boundary fits: No auth required (Free / Open Source).

Explore DeriveAI x402 APIs Details

P

Choose Pay MCP when:

• You need dedicated capabilities in the Finance & Fintech domain.
• You prefer local stdio subprocess transport architecture.
• Your security boundary fits: No auth required (Free / Open Source).
• Primary tools included: pay_send, pay_request, pay_tab_open.

Explore Pay MCP Details

Feature & Specification Comparison

Specification	DeriveAI x402 APIs Finance & Fintech	P Pay MCP Finance & Fintech
Summary	25 pay-per-request intelligence APIs for AI agents via x402 micropayments (USDC/Base)	USDC payments for AI agents on Base — direct, tabs, x402 paywalls, discovery
Category & Scope	Finance & Fintech	Finance & Fintech
Quality signal

Tools & Capabilities Breakdown

Ready-to-Paste Client Configurations

Paste either (or both) of these JSON server blocks into your client config file (e.g. claude_desktop_config.json or ~/.cursor/mcp.json).

{
  "mcpServers": {
    "deriveai-x402-apis": {
      "url": "https://x402-apis-eta.vercel.app/api/mcp"
    }
  }
}

{
  "mcpServers": {
    "pay-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "@pay-skill/mcp"
      ]
    }
  }
}

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