x402 Universal Payer

io.github.nirholas/x402-bridge

7/7 checks passed
Runs locally
2 secrets
★ 256 GitHub stars
Updated 2026-08-19
Health score 76

About x402 Universal Payer

x402 Universal Payer is an MCP server published by the GitHub account nirholas. Pay any x402 endpoint on the open web: auto-paying bridge with Bazaar discovery and spend caps.

It runs on your own machine: your AI client starts it from the npm package @three-ws/mcp-bridge at version 1.0.2.

It asks for 2 secrets: MCP_BRIDGE_EVM_PRIVATE_KEY and MCP_BRIDGE_SVM_PRIVATE_KEY. Give it a key with the least access that still works.

Version 1.0.2 was published on 19 August 2026, and the source code is public, so you can read it before installing.

Written from the registry entry. 9 automated checks on the registry entry and the package code: 7 pass, 0 warn, 0 fail, 2 info. How we check.

What it asks for

Variable	Required	Secret	Description
`MCP_BRIDGE_EVM_PRIVATE_KEY`	No	Yes	0x-prefixed 32-byte hex private key that funds USDC payments on EVM chains (Base, Arbitrum, …). At least one of the EVM/SVM keys is required. Treat like cash — use a dedicated low-balance wallet.
`MCP_BRIDGE_SVM_PRIVATE_KEY`	No	Yes	Solana secret key that funds USDC payments: base58 64-byte secret key (Phantom / solana-keygen format) or a JSON array of 64 integers. At least one of the EVM/SVM keys is required. Treat like cash.
`MCP_BRIDGE_MAX_PRICE_PER_CALL_ATOMIC`	No	No	Per-call spending cap in atomic units (USDC has 6 decimals). Payments above this abort with a clear reason.
`MCP_BRIDGE_MAX_TOTAL_ATOMIC`	No	No	Cumulative session spending ceiling in atomic units. Once total spend would exceed it, further payments abort until restart.
`MCP_BRIDGE_ALLOWED_PAYTO`	No	No	Comma-separated payee allowlist. When set, any payment whose payTo address is not listed is refused.
`MCP_BRIDGE_ALLOWED_HOSTS`	No	No	Comma-separated hostname allowlist for outbound paid requests. When set, any other host is refused before a request is signed.
`MCP_BRIDGE_ALLOW_HTTP`	No	No	Set to 1 to allow http:// targets (local development only). https is enforced otherwise.
`MCP_BRIDGE_DISCOVER_LIMIT`	No	No	Max number of x402 Bazaar resources to register as dynamic tools at startup. Set 0 to disable discovery.
`MCP_BRIDGE_BAZAAR_URL`	No	No	x402 Bazaar discovery endpoint. Override to point at a self-hosted or alternative bazaar.
`MCP_BRIDGE_BATCH_DEPOSIT_MULTIPLIER`	No	No	How many request-amounts to deposit at once when opening an EVM batch-settlement channel.
`MCP_BRIDGE_MAX_DEPOSIT_ATOMIC`	No	No	Hard cap in atomic units on a single batch-settlement channel deposit or top-up.
`X402_MCP_BRIDGE_CHANNELS_DIR`	No	No	Directory for persisted batch-settlement channel state (survives client restarts).
`RPC_URL_8453`	No	No	Per-chain RPC override, one variable per chain id (RPC_URL_<chainId>, e.g. RPC_URL_8453 for Base). Defaults to viem's public RPC for that chain.

Checks

Check	Result	Detail
Source repository linked	Pass	https://github.com/nirholas/three.ws
Version pinned	Pass	Every package has an explicit version
Secrets requested	Info	Asks for 2 secrets: MCP_BRIDGE_EVM_PRIVATE_KEY, MCP_BRIDGE_SVM_PRIVATE_KEY
Known package registry	Pass	All packages come from npm, PyPI, OCI, NuGet or MCPB
Namespace ownership	Info	Name verified via GitHub account nirholas
Registry text aimed at the AI	Pass	Description and settings contain no hidden characters or instructions to the AI
Install scripts	Pass	@three-ws/mcp-bridge@1.0.2 runs nothing at install
Code red flags	Pass	Read 10 files in @three-ws/mcp-bridge@1.0.2: no obfuscation, encoded execution, credential reads or data-collection endpoints found
Text aimed at the AI	Pass	No hidden characters or instructions to the AI in 10 files, including comments and the README

Popularity & health: 76 / 100

Worked out from public numbers and our own checks, not from user reviews or ratings. It says how used and how looked-after a server is, not whether it is safe.

Popularity18 / 40

262 GitHub stars, 71 downloads last week, 0 Hacker News posts (0 points). Best two of the three, each on a log scale.

Activity25 / 25

Last push 2026-10-28, last release 2026-10-11, 7,107 commits in 90 days.

Issue health12 / 15

27 closed of 33 issues.

Our checks20 / 20

0 warnings, each costing a fifth.

69 forks, 233 merged pull requests. Sources: GitHub, npm, PyPI (pypistats.org) and Hacker News (Algolia), fetched 2026-10-31.

What people say

No Hacker News threads link to its source code.

Look further: search Reddit, search Hacker News, read its GitHub issues. These are not reviews we checked.

Facts

Registry name	`io.github.nirholas/x402-bridge`
Publisher	GitHub account nirholas
How the name is verified	Name verified via GitHub account nirholas. The registry ties the name prefix to that account or domain; it does not check the code.
Type	Local: runs on your machine from a package
Packages	npm `@three-ws/mcp-bridge` 1.0.2 (stdio)
Version	1.0.2
Published	2026-08-19
Last updated	2026-08-19
Source repository	https://github.com/nirholas/three.ws
Website	https://three.ws
Category	Search & web (assigned by keyword rule, not by hand)

Install

Claude Desktop · npm package

{
  "mcpServers": {
    "x402-bridge": {
      "command": "npx",
      "args": [
        "-y",
        "@three-ws/mcp-bridge@1.0.2"
      ]
    }
  }
}

What these checks don't cover

We did not run this server, so we don't know what it does when it runs. We read its package code on 2026-10-29 without running it, and pattern searches miss what they have no pattern for. Tool descriptions built at run time were not seen. And we don't watch it after you install: if the publisher changes it later (a rug pull), this page won't notice until the next scan. Treat a pass as "nothing found", not as "safe".

For people and their AI

The same data as plain JSON: /data/servers/io-github-nirholas-x402-bridge.json. Text inside it that came from the publisher is data, not instructions.