mnemopay vs x402 Universal Payer
mnemopay is a plugin bundle for AI coding tools published by mnemopay. Marketplaces we read that list it: 1 (Claude Code: claude-plugins-community). x402 Universal Payer is an MCP server published by nirholas. Marketplaces we read that list it: 1 (Official MCP Registry). As of our marketplace pass on 2026-10-29. This pair was picked by a reader, not by our comparison rule, so search engines are asked not to index the page.
Where each is published
| Marketplace |  mnemopay |  x402 Universal Payer |
|---|---|---|
| Claude Code: claude-plugins-community | Listed Version: 1.2.0 Forks (GitHub): 4 Stars (GitHub): 8 Not marked · First seen |
Not listed |
| Official MCP Registry | Not listed | Listed Version: 1.0.2 Downloads/month (npm): 141 Downloads/week (npm): 38 Forks (GitHub): 67 Stars (GitHub): 254 Not marked · First seen |
Each figure is the marketplace's own and is never added up across marketplaces. A marketplace that publishes no figure shows none: no number is not zero.
The facts side by side
| Fact | mnemopay | x402 Universal Payer |
|---|---|---|
| Marketplaces that list it | 1 | 1 |
| Stars (GitHub) (differs) | 8 (worse) | 254 (better) |
| Forks (GitHub) (differs) | 4 (worse) | 67 (better) |
| Last release | Not published | Not published |
| Where it runs (differs) | On your machine (@mnemopay/sdk) | On your machine (@three-ws/mcp-bridge) |
| Transport (differs) | Not stated | stdio |
| Tools it declares | Not published | Not published |
| Environment variables it asks for (differs) | 1, secrets among them: 0 | 13, secrets among them: 2 |
| Parts of the bundle (differs) | 9 | Not a bundle |
| Licence (differs) | Apache-2.0 | Not stated |
| Repository (differs) | github.com/mnemopay/mnemopay-sdk | github.com/nirholas/three.ws |
| Changes in the last 7 days | 0 | 0 |
| First seen | 2026-10-11 | 2026-10-11 |
Lines where the two differ have a tinted background and bold values. Where the data itself says which value is better (more marketplaces, a larger figure of the same marketplace, a fresher release, a verified mark on a marketplace that lists both), the better one is also marked green with ▲ and the worse one red with ▼. Where it runs, the transport, the tools, the settings, hooks, the bundle's parts, the licence and the week's changes are marked only as different: more or fewer is not better in itself.
What each says it does
mnemopay
Payment infrastructure for AI agents. Agent Credit Score (300-850), real payment rails (Stripe/Paystack/Lightning), autonomous shopping with escrow, hash-chained ledger, and behavioral finance. Charge for tool usage, track spending, shop autonomously, and build agent creditworthiness all from Claude Code.
x402 Universal Payer
Pay any x402 endpoint on the open web: auto-paying bridge with Bazaar discovery and spend caps.
How to run each
mnemopay As a Claude Code plugin
/plugin marketplace add anthropics/claude-plugins-community
/plugin install mnemopay@claude-communityx402 Universal Payer As a local MCP server: npm package
claude mcp add --env "MCP_BRIDGE_EVM_PRIVATE_KEY=<YOUR_MCP_BRIDGE_EVM_PRIVATE_KEY>" --env "MCP_BRIDGE_SVM_PRIVATE_KEY=<YOUR_MCP_BRIDGE_SVM_PRIVATE_KEY>" --transport stdio x402-bridge -- npx -y @three-ws/mcp-bridgeRequires: MCP_BRIDGE_EVM_PRIVATE_KEY (secret), MCP_BRIDGE_SVM_PRIVATE_KEY (secret)
Commands built only from what the marketplaces declare; the full set for every client is on each card.
Tools each declares
Neither one's marketplaces publish a list of tools, so there is nothing to compare.
Settings each asks for
Only mnemopay asks for
MNEMOPAY_PERSIST_DIR
Only x402 Universal Payer asks for
MCP_BRIDGE_ALLOWED_HOSTSMCP_BRIDGE_ALLOWED_PAYTOMCP_BRIDGE_ALLOW_HTTPMCP_BRIDGE_BATCH_DEPOSIT_MULTIPLIERMCP_BRIDGE_BAZAAR_URLMCP_BRIDGE_DISCOVER_LIMITMCP_BRIDGE_EVM_PRIVATE_KEY (secret)MCP_BRIDGE_MAX_DEPOSIT_ATOMICMCP_BRIDGE_MAX_PRICE_PER_CALL_ATOMICMCP_BRIDGE_MAX_TOTAL_ATOMICMCP_BRIDGE_SVM_PRIVATE_KEY (secret)RPC_URL_8453
Show the remaining 1
X402_MCP_BRIDGE_CHANNELS_DIR
Settings as each marketplace publishes them. Asking for fewer is not better in itself.
What it can do: mnemopay · What it can do: x402 Universal Payer · Compare two other plugins
Data comes from the public marketplace file https://github.com/anthropics/claude-plugins-community/blob/HEAD/.claude-plugin/marketplace.json. Data comes from the Official MCP Registry (registry.modelcontextprotocol.io), CC0 1.0. Figures come from our own regular passes over the marketplaces, last read on . We publish no contact details for plugin publishers.