openspender
One self-custodial wallet for every AI agent, with per-request and daily caps over x402 and MPP.
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What is openspender?
OpenSpender is a self-custodial wallet service that enables AI agents to autonomously pay for API calls and services while maintaining spending caps and full fund custody. It integrates with Claude Code, ChatGPT, Cursor, and other MCP-compatible agents, supporting 15,150+ x402 endpoints and 141 MPP services at providers' native prices with zero markup.
openspender pricing
Pricing model: Freemium
No subscription, no markup. Agents pay each provider's native price directly; OpenSpender charges $0.00 fee.
openspender pros
- Self-custodial USDC wallet on Base — OpenSpender never holds funds; users maintain full control and can revoke agent allowances instantly
- No per-provider API keys required — single wallet works across 15,000+ services with no account setup per provider
- Hard spending caps by default — per-request, daily, and total limits prevent runaway costs with guaranteed enforcement
- Zero markup pricing — agents pay providers' own rates directly with $0.00 fee from OpenSpender
openspender cons
- Limited to USDC on Base blockchain — not accessible to users in certain jurisdictions or those preferring other chains/currencies
- Requires MCP setup and wallet familiarity — less intuitive for non-technical users unfamiliar with crypto wallets or Model Context Protocol
- Only supports x402 and MPP payment standards — services using other payment methods cannot be accessed through OpenSpender
Frequently asked questions about openspender
Who holds the money?
You do. The wallet is self-custodial and OpenSpender never holds your funds. You can top it up, move it out, or empty it from your wallet at any time.
How do the caps work?
Agents spend through an allowance with per-request cap, daily cap, optional total cap, and allowed hosts. Edit or delete an allowance and the change lands on that agent at its next request.
Which agents can use it?
Anything that speaks MCP. Claude Code, claude.ai, ChatGPT, Codex, and opencode have one-line setup; other MCP clients like Cursor and Gemini CLI use the same server URL.
What are x402 and MPP?
Two machine-payment standards. The agent calls a paid endpoint, the endpoint answers with a price, the wallet settles it, and the response comes back — no key exchange required.