LABSCO SUMMARY

Most payment tools let an agent spend; this one lets it find out what it can afford first.

The awareness tools exist so a model can ask whether the budget is there and whether the call is worth it before committing, and the forecast call runs a whole planned sequence through the policy before any of it executes. The part that matters when the model reasons badly is that the soft signal and the hard ceiling are separate: the spend cap and merchant allowlist are enforced on the server, so an agent cannot overspend regardless of what it decides.

What it is

Floe's spend layer in your MCP client: it costs each call as it ends across every vendor on one ledger, ties the spend to a client and campaign, and gives the agent tools to ask whether it can afford a call before making it. The same server carries Floe's lending market — intents, loans, collateral, liquidation — and executes paid x402 calls under a server-side spend cap and merchant allowlist. Signing up needs no card and no wallet.

What you get

Spend awareness before the money goes: get_credit_remaining separates spendable balance from borrowing headroom, get_loan_state reports idle, borrowing, at_limit or repaying, and estimate_x402_cost prices a call against your own credit.
Hard limits the agent cannot talk its way past: set_spend_limit and clear_spend_limit, register_credit_threshold for warnings on the way down, and an allowlist with set_allowlist_mode across off, host, vendor or both, plus per-entry spend caps.
Paid calls: check_x402_url probes whether a URL is x402-protected and what it costs without any credential, x402_forecast runs a whole planned sequence through a policy preflight, and x402_pay settles with an idempotency key so a retry cannot double-pay.
Market reads on the lending side: get_markets with current rates and liquidity, open lend and borrow intents, get_intent_details by offer hash, and get_token_price for a market's oracle price.
Loan mechanics as unsigned transactions you sign yourself: create_lend_intent, create_borrow_intent, create_counter_intent, repay_loan, add_collateral, withdraw_collateral, liquidate_loan and revoke_intent.
Position monitoring: get_loan, get_user_loans as both borrower and lender, get_loan_health for LTV, liquidation risk and early repayment terms, and get_accrued_interest.
Pre-trade maths: calculate_risk, estimate_interest, check_compatibility between two intents, and simulate_transaction, which dry-runs an unsigned transaction and returns success or revert with a gas estimate.
Fleet management on a developer key: create_agent, list_agents, get_agent, pause_agent as a per-agent kill switch, close_agent, and create, rotate, revoke and budget an agent's keys.
Funding and reporting: get_funding_instructions, open_credit_line with its bounds checked first, get_balances, get_activity and get_usage_summary.
Webhooks over a named event catalog — loan health and expiry warnings, liquidation, repayment, agent and key events, first x402 settlement — created, listed and test-fired.
get_agent_reputation returns a score, a band and the collateral multiplier it implies, and search_floe_docs searches Floe's own documentation from inside the client.

Requirements

A Floe key, and the tools say which kind they want: an agent key for spend limits, allowlists and paying, a developer key for creating agents, minting keys and reading account balances. Three tools need neither — the market list, the x402 URL probe and the docs search. Signup takes no card and no wallet and comes with a welcome credit. Connect to the hosted server over HTTP with the key as a bearer token, or run it locally over stdio with FLOE_API_KEY in the environment.

Setup effort

One command plus a key — npx -y add-mcp https://mcp.floelabs.xyz/mcp, then supply credentials

See installation options

USE CASES

Knowing what a run actually cost you

Read the usage summary and the activity feed across every vendor the agent touched, on one ledger rather than five invoices.

get_usage_summaryget_activityget_balances

Stopping an agent before it overruns the budget

Set the spend limit, register the thresholds that warn on the way down, and let the server refuse rather than trusting the model to stop.

set_spend_limitregister_credit_thresholdget_credit_remaining

Deciding whether a paid API call is worth making

Probe the URL for its price with no credential, price it against your own credit, then pay with an idempotency key so a retry cannot double-charge.

check_x402_urlestimate_x402_costx402_pay

Planning a sequence of paid calls without discovering the cost halfway

Run the whole plan through the forecast and its policy preflight before the first call goes out.

x402_forecastget_loan_state

Keeping an agent to the vendors you approved

Turn the allowlist on by host or vendor, add the entries with their own caps, and remove what no longer belongs.

set_allowlist_modeadd_allowlist_entrylist_allowlist

Borrowing against collateral rather than topping up

Read the market's rates, check the intent is compatible, dry-run the transaction, and only then sign it.

get_marketscheck_compatibilitysimulate_transactioncreate_borrow_intent

Watching a position that could be liquidated

Check LTV and liquidation risk with accrued interest, and have the health warning arrive as a webhook rather than as a surprise.

get_loan_healthget_accrued_interestcreate_webhook

Running a fleet of agents with separate budgets

Create each agent with its own key and budget, rotate a key that leaked, and pause one that is misbehaving.

create_agentcreate_agent_keyset_agent_key_budgetpause_agent

65 tools

Counted once with only startup setup. Other versions, modes or optional credentials may expose a different list.

`add_allowlist_entry`

Add a merchant-allowlist entry — an allowed-AND-capped policy row. Use kind="api" to allowlist a host (match_key = hostname) or kind="vendor" to allowlist a payee (match_key = recipient wallet). limit_raw caps spend against this entry (raw USDC, 6 decimals). Enforcement only kicks in once set_allowlist_mode is host/vendor/both. Requires an agent key (floe_...).

INSTALLATION

Connect your client

Server setup

npx

TERMINAL

npx -y add-mcp https://mcp.floelabs.xyz/mcp

Hosted endpoint

ENDPOINT URL

https://mcp.floelabs.xyz/mcp

Add this hosted endpoint to your MCP client using the credentials listed under Requirements.

MCP Clients

Any MCP client — remote

ANY MCP CLIENT — REMOTE · JSON

{
  "mcpServers": {
    "floe": {
      "url": "https://mcp.floelabs.xyz/mcp",
      "headers": {
        "Authorization": "Bearer <YOUR_FLOE_API_KEY>"
      }
    }
  }
}

Claude Code

CLAUDE CODE · TERMINAL

claude mcp add --transport http floe https://mcp.floelabs.xyz/mcp --header "Authorization: Bearer <YOUR_FLOE_KEY>"

Codex

CODEX · TERMINAL

codex mcp add floe --url https://mcp.floelabs.xyz/mcp --bearer-token-env-var FLOE_API_KEY

Claude Desktop — local, Cursor — local

JSON

{
  "mcpServers": {
    "floe": {
      "command": "npx",
      "args": [
        "-y",
        "@floelabs/mcp-server",
        "--stdio"
      ],
      "env": {
        "FLOE_API_KEY": "<YOUR_FLOE_API_KEY>"
      }
    }
  }
}

Floe Working Capital

Most payment tools let an agent spend; this one lets it find out what it can afford first.

What it is

What you get

Requirements

Setup effort

Knowing what a run actually cost you

Stopping an agent before it overruns the budget

Deciding whether a paid API call is worth making

Planning a sequence of paid calls without discovering the cost halfway

Keeping an agent to the vendors you approved

Borrowing against collateral rather than topping up

Watching a position that could be liquidated

Running a fleet of agents with separate budgets

65 tools

add_allowlist_entry

add_collateral

approve_token

broadcast_transaction

calculate_risk

check_compatibility

check_x402_url

clear_spend_limit

close_agent

create_agent

create_agent_key

create_borrow_intent

create_counter_intent

create_lend_intent

create_webhook

delete_credit_threshold

estimate_inference_cost

estimate_interest

estimate_x402_cost

get_accrued_interest

get_activity

get_agent

get_agent_reputation

get_allowlist_mode

get_balances

get_credit_line_bounds

get_credit_remaining

get_funding_instructions

get_intent_details

get_loan

get_loan_health

get_loan_state

get_markets

get_open_borrow_intents

get_open_lend_intents

get_spend_limit

get_token_price

get_transaction_status

get_usage_summary

get_user_loans

get_wallet_balance

liquidate_loan

list_agents

list_allowlist

list_credit_thresholds

list_models

list_webhooks

open_credit_line

pause_agent

register_credit_threshold

remove_allowlist_entry

repay_loan

resume_agent

revoke_agent_key

revoke_intent

rotate_agent_key

search_floe_docs

set_agent_key_budget

set_allowlist_mode

set_spend_limit

simulate_transaction

test_webhook

withdraw_collateral

x402_forecast

x402_pay

`add_allowlist_entry`

`add_collateral`

`approve_token`

`broadcast_transaction`

`calculate_risk`

`check_compatibility`

`check_x402_url`

`clear_spend_limit`

`close_agent`

`create_agent`

`create_agent_key`

`create_borrow_intent`

`create_counter_intent`

`create_lend_intent`

`create_webhook`

`delete_credit_threshold`

`estimate_inference_cost`

`estimate_interest`

`estimate_x402_cost`

`get_accrued_interest`

`get_activity`

`get_agent`

`get_agent_reputation`

`get_allowlist_mode`

`get_balances`

`get_credit_line_bounds`

`get_credit_remaining`

`get_funding_instructions`

`get_intent_details`

`get_loan`

`get_loan_health`

`get_loan_state`

`get_markets`

`get_open_borrow_intents`

`get_open_lend_intents`

`get_spend_limit`

`get_token_price`

`get_transaction_status`

`get_usage_summary`

`get_user_loans`

`get_wallet_balance`

`liquidate_loan`

`list_agents`

`list_allowlist`

`list_credit_thresholds`

`list_models`

`list_webhooks`

`open_credit_line`

`pause_agent`

`register_credit_threshold`

`remove_allowlist_entry`

`repay_loan`

`resume_agent`

`revoke_agent_key`

`revoke_intent`

`rotate_agent_key`

`search_floe_docs`

`set_agent_key_budget`

`set_allowlist_mode`

`set_spend_limit`

`simulate_transaction`

`test_webhook`

`withdraw_collateral`

`x402_forecast`

`x402_pay`