Stipend.sh vs X402 Data Gateway

In-depth architectural comparison of the Stipend.sh and X402 Data Gateway 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 Stipend.sh 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).

Explore Stipend.sh Details

Choose X402 Data Gateway 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).

Explore X402 Data Gateway Details

Feature & Specification Comparison

Specification	Stipend.sh Finance & Fintech	X402 Data Gateway Finance & Fintech
Summary	Non-custodial USDC wallet on Base with spending limits enforced in code, not in a prompt.	Pay-per-call USDC tools for AI agents (x402/Base): company + wallet enrichment, web read, repo scan.
Category & Scope	Finance & Fintech	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": {
    "stipend-sh": {
      "command": "uvx",
      "args": [
        "eth-account"
      ]
    }
  }
}

{
  "mcpServers": {
    "x402-data-gateway": {
      "command": "npx",
      "args": [
        "-y",
        "x402-data-gateway"
      ]
    }
  }
}

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