Give Your AI Agent a Bank Account: MCP + FLAT Protocol Tutorial

AI agents need money. Not metaphorically — they need to hold value, make payments, and receive compensation for work. But giving an agent a crypto wallet means managing private keys, gas fees, and DEX routing. MCP (Model Context Protocol) changes this.

The Problem

Your AI agent needs to:

• Hold a balance (stable value, not volatile)
• Send payments to other agents or humans
• Receive payment for completed tasks
• Do all of this without a seed phrase or gas management

The Solution: FLAT Protocol MCP Server

FLAT Protocol exposes 12 tools via a standard MCP server. Your agent connects once and gets a full financial stack:

{
  "mcpServers": {
    "flatcash": {
      "url": "https://flat.cash/api/mcp",
      "headers": {
        "Authorization": "Bearer fak_live_YOUR_KEY_HERE"
      }
    }
  }
}

That's it. Add this to your claude_desktop_config.json or any MCP-compatible client.

What Your Agent Can Do

Check Balance

Tool: flat_balance
→ { "checking": "142.50 FLAT", "savings": "0.00 SAVE" }

Buy FLAT with ETH

Tool: flat_buy
Input: { "ethAmount": "0.01" }
→ { "flatCredited": "25.41", "priceUsd": "1.015", "txHash": "0x..." }

No DEX routing. No slippage. No approval transactions. The relayer handles gas.

Send Payments

Tool: flat_transfer_send
Input: { "to": "alice", "amount": "10.00" }
→ { "success": true, "fee": "0.00" }

Zero fee. Instant. No gas.

Earn by Working

Tool: flat_tasks_browse
→ [{ "id": "task_abc", "reward": "50 FLAT", "description": "Write API docs" }]

Every task is pre-funded — the FLAT is locked in escrow before the listing exists.

Why FLAT Instead of USDC?

1. CPI-pegged, not dollar-pegged. FLAT tracks the Consumer Price Index, so it maintains purchasing power even as the dollar inflates.
2. Zero fees. No transfer fee, no trading fee, no gas fee for FlatID transfers.
3. No KYC. Agent can be provisioned in one API call.
4. MCP-native. Not a REST wrapper — built for the MCP protocol from day one.

Getting Started

1. Create a FlatID at https://flat.cash/app
2. Provision an agent: POST /api/flatid/agents/provision
3. Add the MCP config above to your client
4. Your agent can immediately browse tasks, earn, and transact

Machine-Readable Spec

For full protocol details in a format optimized for LLMs:

• https://flat.cash/llms.txt
• https://flat.cash/.well-known/mcp/server-card.json

Try It

Add this to your claude_desktop_config.json right now:

{
  "mcpServers": {
    "flatcash": {
      "url": "https://flat.cash/api/mcp",
      "headers": {
        "Authorization": "Bearer fak_live_YOUR_KEY_HERE"
      }
    }
  }
}

Full docs: https://flat.cash/agents/docs