xpay

io.github.xona-labs/xpay

6/8 checks passed
Runs locally
3 secrets
★ 1 GitHub stars
Updated 2026-10-05
Health score 45

About xpay

xpay is an MCP server published by the GitHub account xona-labs. Xona Wallet: agent wallet for AI agents. x402 payments, AgenC hires, 20k+ services

It runs on your own machine: your AI client starts it from the npm package @xona-labs/xpay at version 0.2.38.

It asks for 3 secrets: XPAY_PASSPHRASE, XPAY_SOLANA_SECRET and XPAY_EVM_KEY. Give it a key with the least access that still works.

Version 0.2.38 was published on 5 October 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: 6 pass, 2 warn, 0 fail, 1 info. How we check.

What it asks for

Variable	Required	Secret	Description
`XPAY_PROFILE`	No	No	Wallet profile to load or create (default: active profile, else "default")
`XPAY_PASSPHRASE`	No	Yes	Encrypts the auto-generated wallet at rest; also unlocks an existing encrypted profile
`XPAY_HOME`	No	No	Override the ~/.xpay/ data directory
`XPAY_NO_AUTO_WALLET`	No	No	Set to error instead of auto-generating a wallet when none is configured
`XPAY_SOLANA_SECRET`	No	Yes	Use an existing Solana secret key (base58) instead of the generated wallet
`XPAY_EVM_KEY`	No	Yes	Use an existing EVM private key instead of the generated wallet
`XPAY_EVM_NETWORK`	No	No	EVM network for XPAY_EVM_KEY (e.g. base, stable, base-sepolia)

Checks

Check	Result	Detail
Source repository linked	Pass	https://github.com/xona-labs/xpay
Version pinned	Pass	Every package has an explicit version
Secrets requested	Warn	Asks for 3 secrets: XPAY_PASSPHRASE, XPAY_SOLANA_SECRET, XPAY_EVM_KEY
Known package registry	Pass	All packages come from npm, PyPI, OCI, NuGet or MCPB
Namespace ownership	Info	Name verified via GitHub account xona-labs
Registry text aimed at the AI	Pass	Description and settings contain no hidden characters or instructions to the AI
Install scripts	Pass	@xona-labs/xpay@0.2.38 runs nothing at install
Code red flags	Warn	Reads browser or wallet data (dist/profile/derive.js:5: "MetaMask"); Reads browser or wallet data (dist/profile/types.js:6: "MetaMask"); Reads browser or wallet data (dist/profile/derive.d.ts:5: "MetaMask"); 1 more
Text aimed at the AI	Pass	No hidden characters or instructions to the AI in 154 files, including comments and the README

Popularity & health: 45 / 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.

Popularity11 / 40

1 GitHub stars, 324 downloads last week, no Hacker News posts found. Best two of the three, each on a log scale.

Activity15 / 25

Last push 2026-10-05, no GitHub release, 0 commits in 90 days.

Issue health8 / 15

0 closed of 3 issues, too few to judge. No data, so half marks.

Our checks12 / 20

2 warnings, each costing a fifth.

0 forks, 0 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.xona-labs/xpay`
Publisher	GitHub account xona-labs
How the name is verified	Name verified via GitHub account xona-labs. 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 `@xona-labs/xpay` 0.2.38 (stdio)
Version	0.2.38
Published	2026-10-05
Last updated	2026-10-05
Source repository	https://github.com/xona-labs/xpay
Website	https://wallet.xona-agent.com
Category	Finance & payments (assigned by keyword rule, not by hand)

Install

Claude Desktop · npm package

{
  "mcpServers": {
    "xpay": {
      "command": "npx",
      "args": [
        "-y",
        "@xona-labs/xpay@0.2.38"
      ]
    }
  }
}

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-xona-labs-xpay.json. Text inside it that came from the publisher is data, not instructions.