magpie-x402

Solana lending protocol — liquidity without selling your bag.

Borrow SOL against your memecoins, tokenized stocks, and RWAs — and set take-profits and stops on that same collateral. Liquidity now, upside intact: collateral that can still sell itself.

x402 payment-required API endpoints for the Magpie Capital protocol. AI agents and other Solana protocols can pay-per-call for credit scores, token risk assessments, and protocol analytics — no API keys, no signups, just a Solana payment. Agents borrow programmatically: pay per call, get back an unsigned Solana transaction, sign and submit it yourself (the service holds zero keys).

Take-profit, stop-loss, ladders, trailing stops — they fire on-chain into your loan's vault, the loan stays open, and proceeds reach your wallet only when you repay. Auto-sell exits are V4 in-vault orders on supported collateral (memecoins + tokenized stocks/RWAs); they are auto-sell orders that fire on-chain through a slippage stack, not guaranteed fills.

                        AI agent
                            │
                            │  GET /api/v1/credit-score?wallet=…
                            ▼
                ┌────────────────────┐
                │ 402 Payment        │
                │ Required           │  ← scheme, recipient, amount, nonce
                └─────────┬──────────┘
                          │
                          │  Solana tx
                          ▼            (transfer to MAGPIE_PAY_TO
              ┌────────────────────┐    + memo `magpie-x402:<nonce>`)
              │ on-chain ↪ Solana  │
              └─────────┬──────────┘
                        │
                        │  retry GET with header X-Payment: <signature>
                        ▼
              ┌────────────────────┐
              │  Service verifies  │  ← amount, recipient, mint, memo nonce,
              │  payment on-chain  │    nonce not previously consumed
              └─────────┬──────────┘
                        │
                        ▼
                 { score, tier, … }

What this is (and isn't)

• ✅ An open standard implementation. x402 is HTTP 402 Payment Required, designed for AI-agent-payable APIs.
• ✅ A revenue path for protocol data. Magpie's credit oracle, token risk scores, and analytics are useful to OTHER protocols and agents — this is how they pay for that access.
• ✅ Public-data-only. Every response field corresponds to data already verifiable on-chain via solscan.io or in the magpie-bot source.
• ❌ Not custodial. This service holds no keys, signs no transactions, cannot move any user funds. Even a full RCE on this host can't drain a user — see SECURITY.md.

Endpoints

All free endpoints query the on-chain Magpie program directly and have proper Cache-Control headers so CDN edges serve repeat reads without round-tripping.

Loan and pool reads are multi-version: every loan/pool is resolved across the V1 (memecoin), V3 (RWA — on the V3 launch), and V4 (in-vault auto-sell) programs and tagged with its program_version. These reads fail soft — if one version is unreachable, the rest still return and the affected version is reported in a partial map rather than erroring the whole call. The /api/v1/agent/self-limit-close/* surface lets a borrower-agent arm, modify, cancel, and list self-owned in-vault exit orders (take-profit / stop-loss) on its own V4 loans, authenticated by an Ed25519 signed envelope where the x402 payer is also the envelope signer.

🚀 Building your first Magpie agent? Read QUICKSTART.md — zero to a working autonomous borrow agent on Solana in 10 minutes, using the typed SDK.

📦 TypeScript SDK (@magpieloans/magpie-agent): every action as a one-liner. Borrow, lend, liquidate, post conditional intents — no HTTP plumbing. See sdk/README.md.

🧩 MCP server for Claude Desktop / Cursor / Windsurf / ChatGPT desktop: one config block, 26 tools. See mcp/README.md.

🎯 Limit-close agent quickstart — full end-to-end walkthrough for agents that arm, monitor, and steer limit-close (TP/SL) orders on borrowers' loans. Authorization flow, every endpoint, sample code, error reference, best practices. See docs/AGENT_QUICKSTART_LIMIT_CLOSE.md.

👉 Just want code examples? /examples/ — 13 turn-key TypeScript agents (credit fetch, liquidation keeper, full borrow loop, conditional intent, yield agent, webhook receiver, collateral screener, equity-leverage preview, more) that talk to the live production endpoint. Each is a single file, runs with npx tsx.

🧩 Using Claude Desktop, Cursor, Windsurf, or ChatGPT desktop? /mcp/ ships a one-config-block MCP server that exposes the full API as native tools in your agent host. Free reads work without any keypair; paid endpoints sign x402 payments locally with a configured Solana wallet.

More paid endpoints in progress (token risk score, batch credit lookups, webhook subscriptions, MCP server, LP-side build-deposit / build-withdraw) — see MARKETING.md for the agent-distribution roadmap or open an issue if you want one prioritized.

How to call a paid endpoint

Step 1 — get the challenge

curl -i https://x402.magpie.capital/api/v1/credit-score?wallet=9UuLsJ3jf8ViBNeRcwXD53re5G3ypgfKK3s2EiMMpump

Response:

HTTP/2 402
X-Payment-Required-Scheme: x402/solana/v1
X-Payment-Required-Amount: 1000000
X-Payment-Required-Recipient: <MAGPIE_PAY_TO pubkey>
X-Payment-Required-Nonce: a1b2c3...
X-Payment-Required-Memo: magpie-x402:a1b2c3...

{
  "error": "payment_required",
  "scheme": "x402/solana/v1",
  "payTo": "...",
  "amountLamports": "1000000",
  "nonce": "a1b2c3...",
  "memo": "magpie-x402:a1b2c3...",
  "instructions": "Send 1000000 lamports of SOL to ... with memo 'magpie-x402:...', then retry with header X-PAYMENT: <tx_signature>"
}

Step 2 — pay on Solana