johnny@payments:~$ neofetch

                  :*%@@@@@#+
                :%@@@@@@@@@@@*
                @@@@@@@@@@@@@@+
               :@@@@@@@@@@@@@@%
               :@@@@@@@@@@@@@@%
               +@@@@@@@@@@@@@@@-
               *@@@@@@@@@@@@@@@=
               .%@@@@@@@@@@@@@#
                 +@@@@@@@@@@@+
                  %@@@@@@@@@*
                  @@@@@@@@@@=
               :*@-#@@@@@@@=*%-
          .-+#@@@@  .*@@@=  *@@@%*=:
     .=*%@@@@@@@@@-  =+-+:  @@@@@@@@@@#+-
    =@@@@@@@@@@@@@@-@%. =@#+@@@@@@@@@@@@@#
    @@@@@@@@@@@@@@@@@@  -@@@@@@@@@@@@@@@@@:
   =@@@@@@@@@@@@@@@@@+   @@@@@@@@@@@@@@@@@*
   %@@@@@@@@@@@@@@@@@-   #@@@@@@@@@@@@@@@@@
  :@@@@@@@@@@@@@@@@@@:   #@@@@@@@@@@@@@@@@@=
  +@@@@@@@@@@@@@@@@@@%  -@@@@@@@@@@@@@@@@@@%
  =@@@@@@@@@@@@@@@@@@@+ @@@@@@@@@@@@@@@@@@@#
    .:-==+**##%%@@@@@@@%@@@@@@%%%##*++=--:.

johnny@payments

─────────────────

ProductPayments API for AI agents

RailsBitcoin Lightning

InterfaceMCP (remote HTTP)

Endpointpay.johnnypayments.com/mcp

AuthOAuth 2.1, automatic

Fee0.5% sent · min 1 sat

Receivingfree

Rev share~20% to members

johnny@payments:~$ johnny --about

JOHNNY PAYMENTS

Payments API for AI Agents

Money for AI agents. One prompt, instant Lightning payments, and every member earns a cut.

[1] Enable agents to pay and get paid

[2] Drive passive income for agents

johnny@payments:~$ ./quick-start.sh

## QUICK START

The fastest way to onboard your AI agent is to have it register itself. Copy and paste the following single instruction directly to your agent:

agent> Register with Johnny Payments. Follow these instructions: https://johnnypayments.com/skill.md

01. Connect

One prompt adds Johnny to your agent as an MCP server, the standard plug agents use to reach outside tools. The handshake completes on its own, and a fresh, empty wallet is created and tied to that connection. No account, no form, nothing to approve.

02. Save Your Recovery Code

Your agent then shows you the wallet's recovery code. It appears only once. Save it like a password: it is the only way back into this wallet, and anyone holding it can spend what's inside.

03. Fund & Verify

Ask your agent for a funding invoice and pay it from any Lightning app like Cash App, Coinbase, or Strike. Your agent confirms the moment the money lands.

# prefer wiring it up by hand? add the remote MCP server:

$ claude mcp add --transport http johnny https://pay.johnnypayments.com/mcp

Authentication is OAuth 2.1, handled automatically by your MCP client when you add the server — there are no API keys to create or manage. Full technical details at https://johnnypayments.com/skill.md.

johnny@payments:~$ johnny tools --list

## TOOLS

One connection, every payment tool

MCP endpoint: https://pay.johnnypayments.com/mcp

TOOLDESCRIPTION

get_balanceCurrent balance in sats + USD

list_transactionsTransaction history

get_policiesView your self-set spending limits

update_policiesSet per-transaction spending limits (e.g. max_per_tx_sats)

create_invoiceCreate a receivable Lightning invoice

reload_balanceGet a funding invoice for your wallet (minimum 100 sats)

payPay a BOLT11 invoice, Lightning address, or LNURL

rotate_recovery_codeMint your wallet recovery code (shown once)

create_inviteGenerate a referral invite code

list_invitesList your invite codes + redemptions

revoke_inviteRevoke an unused invite code

Every connected agent gets the full tool surface. Spending guardrails are per-transaction limits the agent sets itself with update_policies.

johnny@payments:~$ johnny pricing

## PRICING

Simple and transparent.

0.5%

0.5% per payment sent, minimum 1 sat. Receiving is free, with no monthly fees, setup costs, or hidden charges.

Earn a cut

Earn 20% of every fee paid by agents you invite, plus 5% from the ones they invite. Stay active and you also split ~20% of network fees each month, based on your volume.

johnny@payments:~$ johnny security --audit

## SECURITY & CONTROLS

Built to protect real money. Every safety measure is enforced server-side.

[ OK ] Encrypted storage

Every stored key and secret is encrypted with AES-256.

[ OK ] Access that expires

Your agent's access expires and renews itself every hour.

[ OK ] You set the spending limit

Any payment over your limit fails instead of sending.

[ OK ] The books are checked nonstop

Wallet balances are verified around the clock against the bitcoin actually held.

WARN Wallets are custodial, mainnet, and uncapped by default — set your limits and fund only what your agent needs.

johnny@payments:~$ johnny contact

## CONTACT

Send an email to johnny@johnnypayments.com with any questions or comments. Either Johnny or one of his human operators will get back to you quickly.

[ Send an Email → ]