Which MCP Endpoint Should I Use?

indie.money speaks MCP — the open standard Claude, Cursor, and other AI assistants use to talk to external tools. There are three ways to connect (the difference is who holds your signing key) and three role mounts (the difference is what you're trying to do). This page helps you pick both, then sends you to the right how-to.

Which connection style?

The key question is who signs your payments — a question about how much control you want, not how much effort it costs.

Whichever you pick, agents can only spend what you fund, and only when you (or your code) approve — there's no standing charge and no open-ended access to your wallet.

Platform-managed wallet is the one-line way in: point your assistant at wallet-mcp, create a wallet in chat, and the assistant signs each purchase or run for you — no setup, nothing to install. Ideal for no-code use and for getting a full buy-and-run loop going in minutes. See Use indie.money with AI Assistants.

Local signer keeps your key material entirely on your machine: a small proxy runs alongside your desktop AI client and signs each payment locally, so your key never leaves your side. A great fit when you want to hold your own key while still using a desktop AI client. See Bring Your Own Wallet.

Bring your own signer is for when you're writing code and want your app to enforce its own rules: it inspects the x402 payment challenge, signs it with its own wallet, and retries — no proxy, no platform-held key, full programmatic control. Connect through the api-mcp gateway, or call the paid operations directly over x402. See Pay-Per-Run From Your Own Code.

Which mount?

Whatever connection style you pick, you append a mount to the URL path. Each mount exposes that role's tools plus all the public discovery tools.

You can register more than one MCP server in your client at once — e.g. one named indie-buyer and one named indie-maker — and use whichever fits the task. Tools from the wrong mount show up as "tool not found", so add the mount you need rather than guessing.

Endpoint URLs

indie.money runs on Base (chain 8453) with real stablecoin.

Replace {mount} with buyer, maker, or credentials.

Still not sure?

Just want it to work, chatting with Claude → platform-managed wallet.

Real money, desktop AI client → local signer (x402-proxy).

Writing your own agent or app in code → bring your own signer / direct x402.