L402 Kit vs Agirails MCP Server

In-depth architectural comparison of the L402 Kit and Agirails MCP Server 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 L402 Kit when:

• You need dedicated capabilities in the Finance & Fintech domain.
• You prefer local stdio subprocess transport architecture.
• Your security boundary fits: API Key required (Free / Open Source).
• You have access to required keys: BLINK_API_KEY, ALBY_TOKEN.
• Primary tools included: L402 server middleware, Agent client with automatic Lightning payments, Budget control in satoshis.

Explore L402 Kit Details

Choose Agirails MCP Server 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: Agent discovery and Agent Card lookup, ACTP quote, escrow, delivery, and settlement workflow, x402 instant payment support.

Feature & Specification Comparison

Specification	L402 Kit ShinyDapps Finance & Fintech	Agirails MCP Server Finance & Fintech
Summary	Full-stack L402 SDK: server middleware (Express/FastAPI/axum/net/http) + agent client with auto-pay. 4 languages (TypeScript, Python, Go, Rust). MCP server, LangChain integration, budget control. npx l402-kit-mcp	Payment rails for AI agents — escrow, settlement, discovery, and disputes from any context window.
Category & Scope	Finance & Fintech

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": {
    "shinydapps-l402-kit": {
      "command": "npx",
      "args": [
        "l402-kit-mcp"
      ],
      "env": {
        "BLINK_API_KEY": "YOUR_BLINK_API_KEY_HERE",
        "ALBY_TOKEN": "YOUR_ALBY_TOKEN_HERE"
      }
    }
  }
}

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

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