X402 MCP Server vs Arch Tools MCP

In-depth architectural comparison of the X402 MCP Server and Arch Tools 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 X402 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).

Explore X402 MCP Server Details

Choose Arch Tools 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).

Explore Arch Tools MCP Details

Feature & Specification Comparison

Specification	X402 MCP Server Finance & Fintech	Arch Tools MCP Finance & Fintech
Summary	MCP server for x402 AI agent payments on Base chain with built-in USDC payment handling.	61 AI agent tools under one key. Web, AI, voice, data, crypto & more. Stripe + x402 USDC payments.
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": {
    "x402-mcp-server": {
      "command": "npx",
      "args": [
        "-y",
        "hermes-asia-x402-mcp@latest"
      ]
    }
  }
}

{
  "mcpServers": {
    "arch-tools-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "@smithery/cli"
      ]
    }
  }
}

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