Spraay X402 MCP vs Z Zero MCP
A side-by-side look at the Spraay X402 MCP and Z Zero MCP MCP servers: transport, auth, tools, quality signals, and the config to install either one in Claude, Cursor, Windsurf or VS Code.
Verdict: choose Spraay X402 MCP for finance & fintech work as a local process; choose Z Zero MCP for finance & fintech as a local process. You can also run both side by side in one mcpServers block.
Which MCP server should you choose?
Choose Spraay X402 MCP when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- Its auth model fits you: other.
- You want tools like
spraay_chat, spraay_models, spraay_batch_execute.
Choose Z Zero MCP when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- You have the keys it needs:
Z_ZERO_API_KEY. - You want tools like
list_cards, check_balance, get_deposit_addresses.
Feature & specification comparison
Rows where the two servers differ are marked.
| Spec | ||
|---|---|---|
| Category | Finance & Fintech | Finance & Fintech |
| Quality signal | 60/100 · Good | 61/100 · Good |
| Install command | Confirmed | Confirmed |
| Transport | Local subprocess (stdio) | Local subprocess (stdio) |
| Auth | other | Not declared |
| Pricing | Free | Not declared |
| Required env vars | None listed | Z_ZERO_API_KEY |
| Verified owner | Community listing | Community listing |
| GitHub stars | 4 | 1 |
| Directory activity | 5 views 0 installs 0 upvotes | 2 views 0 installs 0 upvotes |
| Tools | 183 | 14 |
| Full listing | View Spraay X402 MCP | View Z Zero MCP |
Tools & capabilities
Spraay X402 MCP tools 183
spraay_chatSend a message to 200+ AI models (GPT-4o, Claude, Llama 3, Gemini, Mistral, etc.) via the Spraay x402 Gateway. Returns the model's completion. Use spraay_models to discover available model IDs. Costs $0.005 USDC.spraay_modelsList all 200+ AI models available on the Spraay x402 Gateway. Returns model IDs, providers, and context window sizes. Costs $0.001 USDC.spraay_batch_executeExecute a batch payment to up to 200 recipients in a single Base transaction via the Spraay protocol. Supports any ERC-20 token or native ETH. Returns unsigned transaction data for the sender to sign. Costs $0.01 USDC.spraay_batch_estimateEstimate gas cost for a batch payment before executing. Returns estimated gas in wei and USD equivalent. Costs $0.001 USDC.spraay_swap_quoteGet a swap quote from Uniswap V3 on Base. Returns expected output amount, price impact, and route details. Use spraay_swap_tokens to see available tokens. Costs $0.002 USDC.spraay_swap_tokensList all tokens available for swapping on Spraay via Uniswap V3 on Base. Returns symbols, addresses, and decimals. Costs $0.001 USDC.spraay_swap_executeExecute a token swap via Uniswap V3 on Base. Returns unsigned transaction data for the caller to sign and broadcast. Get a quote first with spraay_swap_quote. Costs $0.01 USDC.spraay_oracle_pricesGet real-time on-chain token prices with confidence scores from Uniswap V3 QuoterV2 on Base. Returns USD prices for ETH, WETH, cbBTC, USDT, DAI, EURC, and more. Costs $0.003 USDC.spraay_oracle_gasGet current gas prices on Base in gwei. Returns base fee, priority fee, and estimated transaction costs. Costs $0.001 USDC.spraay_oracle_fxGet stablecoin exchange rates with depeg detection. Returns cross-rates between USDC, USDT, DAI, and EURC. Costs $0.002 USDC.spraay_bridge_quoteGet a cross-chain bridge quote via LI.FI aggregator. Supports Base, Ethereum, Arbitrum, Polygon, BNB Chain, Avalanche, Optimism, and more. Returns estimated output, fees, and execution time. Costs $0.005 USDC.spraay_bridge_chainsList all chains supported by the Spraay bridge aggregator (LI.FI). Returns chain names, IDs, and supported tokens. Costs $0.001 USDC.- +171 more on the listing page
Z Zero MCP tools 14
list_cardsList all available virtual card aliases and their balances. No sensitive data is returned.check_balanceCheck spendable USD balance for a card alias. For active token limits, use list_cards instead.get_deposit_addressesGet your Base deposit address to top up your wallet with USDC (or any supported stablecoin on Base).request_payment_tokenRequest a single-use JIT virtual card ($1–$100) locked to one amount + merchant. ⚠️ Read mcp://resources/sop first. Only call once the FINAL total is visible — for physical goods that is AFTER shipping is submitted (use get_merchant_hints to navigate there). For digital goods with the price already visible, prefer auto_pay_checkout instead. BEFORE requesting: look at the checkout page one more time and compare it against what the user actually asked for — same items, same quantity, same variant, same destination? If anything differs, do NOT request a token; fix the cart or check with the user first. A mismatch you catch here costs nothing; after this point it costs a card. If you pass `cart`, the server signs your declared intent and binds the card to it — the user gets cryptographic proof of what this card was authorized for. Pass `criteria` too: the few things the owner actually cared about, which this purchase gets scored against at payment time.get_merchant_hintsGet merchant navigation flow for a domain or platform key (e.g. '_platform_etsy'). Returns pre_steps (how to navigate checkout) and platform notes. Call BEFORE starting checkout to understand the multi-step flow.ucp_probe_checkoutUCP discovery + quote — creates an UNPAID draft checkout; no money moves; NOT a payment rail yet. Checks whether a merchant speaks UCP (Shopify-native agent commerce), lists its declared payment handlers, and — when variant_gid or query is given — creates a DRAFT checkout and returns the merchant's real quote: total_minor (wire units, 8900 = $89.00), total_major, currency, status, blockers, continue_url. NO payment happens; drafts expire server-side. Completing a UCP checkout needs Shopify Token-tier agent auth, which Z-Zero does not hold yet — to PAY, hand the buyer continue_url or use the standard execute_payment flow where permitted. Call this first on Shopify stores: their robots.txt bans scripted checkout, so the UCP lane is the sanctioned path.execute_paymentExecute a payment with a one-time token. TWO CALLS: call it first WITHOUT `recheck` — nothing is charged and it hands you what the owner actually asked for, locked when the card was issued; look at the page again, then call it a second time with `recheck` to pay or to pause. Then Z-Zero opens a headless browser, injects the card (you NEVER see the PAN), clicks Pay, and watches for a REAL confirmation before reporting success. Returns a `status`: `confirmed` (order placed → token burned, receipt_id may hold a real order #), `declined` (merchant rejected → token kept for refund), `unconfirmed` (submitted but no confirmation seen → do NOT retry blindly, verify first), `not_submitted` (no Pay button → supply a submit_selector hint), or `no_fields`. ALWAYS pass actual_amount so overcharges are blocked and underspend refunded.cancel_payment_tokenCancel unused token and refund instantly. Use when user cancels the purchase or to free up a card slot.request_human_approvalPause and ask the user for approval before risky actions (price mismatch, large amount, unusual request).set_api_keyActivate a new Passport Key instantly, no restart needed. Only call when user explicitly provides a key.show_api_key_statusCheck if Passport Key is configured. Shows prefix only, for debugging.auto_pay_checkout⚠️ MANDATORY: Read mcp://resources/sop first. Only use on PAYMENT pages where final total is visible. Auto-detects Web3 or Fiat and completes payment. For physical goods (Shopify, Etsy), get_merchant_hints first.- +2 more on the listing page
Ready-to-paste client configs
Paste either block (or both) into your client config, e.g. claude_desktop_config.json or ~/.cursor/mcp.json. We only show a config when the install command is confirmed.
Spraay X402 MCP
{
"mcpServers": {
"plagtech-spraay-x402-mcp": {
"command": "npx",
"args": [
"-y",
"spraay-x402-mcp"
]
}
}
}
Z Zero MCP
{
"mcpServers": {
"z-zero-mcp": {
"command": "npx",
"args": [
"-y",
"z-zero-mcp-server"
],
"env": {
"Z_ZERO_API_KEY": "YOUR_Z_ZERO_API_KEY_HERE"
}
}
}
}
Frequently asked questions
Spraay X402 MCP is categorized under Finance & Fintech and uses a local stdio subprocess. Z Zero MCP belongs to Finance & Fintech and uses a local stdio subprocess. Pick Spraay X402 MCP for finance & fintech work and Z Zero MCP for finance & fintech.
Copy the mcpServers block from the config section on this page into your client's config (for example claude_desktop_config.json or ~/.cursor/mcp.json), then fully restart the client.
Spraay X402 MCP is listed as free. Auth: other. Z Zero MCP has no declared pricing — check the project's own site. If a server needs environment variables such as API keys, define them under the env key in your client's MCP config.
Yes. MCP clients support multiple servers: add plagtech-spraay-x402-mcp and z-zero-mcp as separate keys in the same mcpServers object, and your assistant will call tools from either one.
On AllMCPs, Spraay X402 MCP has a quality signal of 60/100 (Good) with 5 views, 0 installs and 4 GitHub stars. Z Zero MCP has 61/100 (Good) with 2 views, 0 installs and 1 GitHub stars.