Integration idea: wallet reputation scoring before accepting x402 payments

[jacobsd32-cpu]

Hey 👋 I'm building DJD AgentScore — scores AI agent wallets 0–100 from their on-chain x402 settlement history on Base.

How it could fit with MCPay:

Right now MCPay handles pay-per-call for MCP servers, but there's no reputation layer for the wallets making those payments. Before accepting a payment, an MCP server could check the sender's reputation:

const score = await fetch('https://djd-agent-score.fly.dev/v1/score/basic?wallet=' + senderWallet)
// score.composite: 0-100, score.recommendation: "allow" | "caution" | "deny"

This would help MCP servers filter out wallets that have fraud reports, low reliability, or no history — without needing to maintain their own blocklist.

The API is live, free tier, no signup. We also have an MCP server on Smithery if you want to try it from Claude.

• Live API
• npm SDK
• MCP Server

[douglasborthwick-crypto]

+1 on DJD for this. Behavioral scoring before settling payments is a smart addition to MCPay.

If you also want to check on-chain credentials (useful for cold-start wallets where DJD doesn't have behavioral data yet), we ship an MCP server that could plug into MCPay's tooling:

{
  "mcpServers": {
    "insumer": {
      "command": "npx",
      "args": ["-y", "mcp-server-insumer"],
      "env": { "INSUMER_API_KEY": "insr_live_..." }
    }
  }
}

InsumerAPI checks 17 on-chain conditions (stablecoins on 7 chains, governance tokens, NFTs, staking) and returns an ECDSA-signed trust profile. A wallet with zero transaction history but real holdings gets a signal immediately.

Could work as a complementary layer alongside DJD's behavioral checks.

npm · Trust docs

[jacobsd32-cpu]

Great breakdown Douglas. DJD's Identity dimension actually calls InsumerAPI's /v1/attest under the hood — 5 multi-chain conditions (USDC, ENS, OP, ARB, stETH) verified client-side with insumer-verify. The cold-start framing he's describing is one of the hardest problems in wallet reputation, and InsumerAPI's attestation layer is the cleanest solution I've seen for it. A fresh wallet with zero tx history but real holdings gets a signal immediately, before behavioral scoring has anything to work with. Two layers, one picture.