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Cred

MCP server · hosted · v1.1.0 · io.github.aw3-technology/cred
Online · tested 9h agoNEW · 10h agoSeen in the registry 9h ago

Issue, deduct, refund and sell credits: checkout, subscriptions, saved cards, escrow and wallets.

Website ↗How to connect ↓

What it does

Cred is an MCP server, a connector that lets an AI assistant use it as a tool. It is hosted: an assistant connects to it over the internet, nothing to install.

From the publisher's description, Electra Index matched it to one capability: payments. That makes it a candidate for tasks such as detect fraudulent transactions or handle refund requests.

Facts come from the Official MCP Registry, as declared by the publisher. Capabilities are matched automatically (low confidence). None of this is a test of the tool.

At a glance

Hosted (remote)YES
Local installNO
Version1.1.0
PriceNot in the registry
First seen06 Nov 2026
Last checked9h ago

How to connect

As declared in the Official MCP Registry · hosted endpoint tested by Electra Index 9h ago (live check)

Hosted endpoint

  • https://eutdgemlrpvnxfkkpvlu.supabase.co/functions/v1/cred-mcp streamable-http

Required: x-api-key (get it from the publisher)

MCP settings (Claude Desktop, Cursor and other MCP clients)

{
  "mcpServers": {
    "cred-2": {
      "url": "https://eutdgemlrpvnxfkkpvlu.supabase.co/functions/v1/cred-mcp",
      "headers": {
        "x-api-key": "<your x-api-key>"
      }
    }
  }
}

Replace the values in <angle brackets>.

Live check

Electra Index connected to the hosted endpoint 9h ago

ONLINE Cred answered an MCP connection on 06 Nov 2026 and introduced itself as cred-mcp 1.1.0 (MCP protocol 2025-06-18).

49 tools offered to AI assistants

  • list_credit_types · List the project's active credit types: id, name, symbol, description, exchange_rate (USD per credit), is_redeemable, and on-chain fields (is_on_chain, blockchain, contract_address, chain_id, token_decimals, mint_on_issue, deployment_type).
  • get_balance · Get a user's credit balance(s). Identify the user by email (checked first) or user_id (your external user ID). An unknown user returns an empty balances array, not an error. Costs 1 CRD (platform credit) per call, charged even when the call
  • issue_credits · Issue (add) credits to a user; creates the user if they don't exist (email-first lookup). Pass idempotency_key on anything an agent might retry: a replay returns the original transaction with idempotent_replay: true and issues nothing more
  • deduct_credits · Deduct (spend) credits from an existing user, identified by user_email (checked first) or user_id. Fails with 400 INSUFFICIENT_CREDITS (nothing deducted) or 404 USER_NOT_FOUND. Pass idempotency_key on anything an agent might retry: a replay
  • get_transactions · List ledger transactions, newest first (types include issue, deduct, refund). Filter by user (email or user_id) and credit_type_id; paginate with limit/offset. Costs 1 CRD (platform credit) per call, charged even when the call is then rejec
  • refund_credits · Refund or reverse credits. MOVES MONEY for purchases: with purchase_id or stripe_payment_intent_id it refunds the Stripe charge (prorated when partial; refund_payment: false skips the money) and claws the purchased credits back. With transa
  • create_user · Create an end user, or return/update the existing one (email-first lookup, then external_id, so no duplicates). Returns created: true for a new user. Signup attribution is first-touch and optional: signup_url (else the connection's x-app-or
  • get_users · Look up one end user by email or external_id (404 USER_NOT_FOUND if absent), or list users newest first with total, filterable by signup_host / signup_credit_type_id. Costs 1 CRD (platform credit) per call, charged even when the call is the
  • update_user · Update an existing end user (identify by user_email, checked first, or external_id). Only fields you pass change (none at all is 400 NO_FIELDS_TO_UPDATE); metadata replaces the whole object, except referral_code (kept unless you send it) an
  • delete_user · Delete an end user, identified by user_email (checked first) or external_id. Irreversible: balances, ledger and auto top-up rules go with them. A user with swap history is kept as a financial record — 409 USER_HAS_HISTORY (swap_transactions
  • bulk_create_users · Create or update up to 1000 users in one call (one CRD for the batch). Returns counts of created/updated and per-row errors; a bad row does not fail the batch. A row's own signup_url/signup_host overrides the request-level signup_url. Costs
  • get_signup_analytics · Signup attribution breakdown per signup_host (which of your apps users came from): users, purchases and revenue per host over the last `days` (default 30; 0 = all time). Costs 1 CRD (platform credit) per call, charged even when the call is
Show 37 more
  • list_pricing_tiers · List active pricing tiers (credit packs), cheapest first; price is a dollar string. credit_type_ids lists the credit types a tier can be bought for; [] means every active credit type. The credit_type_id filter returns every tier purchasable
  • create_pricing_tier · Create a pricing tier. credits must be a positive integer; price (USD) must be 0 or at least 0.50, and at most $1.00 per credit. credit_type_ids lists the credit types a tier can be bought for; [] means every active credit type. Omit credit
  • update_pricing_tier · Update a pricing tier by id; only fields you pass change (same price rules as create). Pass credit_type_ids to re-scope it ([] = all credit types), is_active: false to stop selling it without deleting. Costs 1 CRD (platform credit) per call
  • delete_pricing_tier · Permanently delete a pricing tier by id (404 if not in this project). While auto top-up rules buy the tier it refuses with 409 TIER_IN_USE and the rule count; pass force: true (after the user confirms) to delete those rules and the tier tog
  • create_checkout_session · Create a Stripe Checkout link for an end user to buy credits; returns checkout_url and session_id. Nothing is charged until the buyer pays on that page; credits are issued when payment completes. Price either a pricing tier (pricing_tier_id
  • list_subscriptions · List recurring credit subscriptions (newest 100): status, credits_per_period, quantity, price, interval, current_period_end, cancel_at_period_end. status: "active" matches active, trialing and past_due. Costs 1 CRD (platform credit) per cal
  • cancel_subscription · Cancel a subscription. By default it cancels at period end (credits already issued stay; no further renewals). at_period_end: false cancels immediately with no refund. With user_id/email instead of subscription_id, every live subscription o
  • update_subscription_quantity · Change a live subscription's quantity (seats/packs, 1–10000). CHANGES FUTURE BILLING: from the next renewal the customer pays unit price × quantity and receives unit credits × quantity; no proration now. With user_id/email the customer must
  • create_subscription_portal_link · Create a short-lived Stripe customer portal URL for a subscriber to update their card (flow payment_method_update, default) or see invoices and card (overview). Mint it when the customer asks; don't store it. With user_id/email, uses their
  • get_saved_payment_method · Get the card saved for a user (brand, last4, expiry), or payment_method: null if none. Cards are saved by a one-time create_checkout_session with save_payment_method: true. Costs 1 CRD (platform credit) per call, charged even when the call
  • delete_saved_payment_method · Remove a user's saved card (detached in Stripe). charge_saved_card and auto top-up stop working for them until a new card is saved. Returns deleted: false if there was none. Costs 1 CRD (platform credit) per call, charged even when the call
  • charge_saved_card · MOVES MONEY: charge a user's saved card off-session for one pack of a one-time pricing tier and credit it. idempotency_key is required; a retry with the same key never charges twice and returns the first outcome (replayed: true). Outcomes:
  • get_auto_topup · Get a user's auto top-up rule for credit_type_id (auto_topup, or null), or all their rules (auto_topups) when credit_type_id is omitted, plus their saved card. Rules show threshold, enabled, max_per_day, charges_last_24h, last_status/last_e
  • save_auto_topup · Create or replace the auto top-up rule for (user, credit type): whenever a deduct leaves the balance below threshold, cred buys one pack of pricing_tier_id on the user's saved card (at most max_per_day charges per 24h). If enabled and the b
  • delete_auto_topup · Delete a user's auto top-up rule for credit_type_id, or ALL their rules when credit_type_id is omitted. Returns the number deleted. To pause instead, save_auto_topup with enabled: false. Costs 1 CRD (platform credit) per call, charged even
  • create_escrow_hold · Reserve credits: deducts amount from an existing user and parks it in a hold (status held), returning hold_id. Finish with capture_escrow_hold or release_escrow_hold; a hold past expires_at can be released back at any time. Pass idempotency
  • release_escrow_hold · Release a held hold in full back to its holder (status released). 404 HOLD_NOT_FOUND, 409 HOLD_NOT_ACTIVE if it was already released, captured or expired — so a retry after success is rejected, not repeated. Costs 1 CRD (platform credit) pe
  • capture_escrow_hold · Settle a hold (status captured). amount captures part (default: all); the uncaptured remainder returns to the holder. With to_user_id/to_user_email the captured credits go to that user (created if new) — marketplace/P2P settlement; otherwis
  • list_escrow_holds · List escrow holds, newest first, with total. Filter by status, holder or reference_id. Costs 1 CRD (platform credit) per call, charged even when the call is then rejected (a 429 RATE_LIMITED costs nothing). Error results include request_id;
  • list_swap_pairs · List credit swap pairs (exchange_rate, fee_percent, min/max_swap_amount, is_bidirectional). Optionally filter by source or target credit type. Costs 1 CRD (platform credit) per call, charged even when the call is then rejected (a 429 RATE_L
  • execute_swap · Swap a user's credits along a swap pair: deducts source_amount of the source type and credits the converted amount (after fee) in the target type. Errors: 400 INSUFFICIENT_CREDITS, 404 USER_NOT_FOUND, 400 outside min/max. On a bidirectional
  • get_referral_settings · Get a referral program's settings (is_active, referrer/referee credits, credit type). A project can run one program per credit type: pass credit_type_id for that credit type's program (settings null when it has none); omit it for the projec
  • save_referral_settings · Create or update a referral program: credits awarded to the referrer and to the referred user. With credit_type_id this writes THAT credit type's program (creating it if needed); without it, the project's default program. Only fields you pa
  • generate_referral_code · Get a user's referral code, generating one if they have none (creates the user if needed). Safe to repeat. Costs 1 CRD (platform credit) per call, charged even when the call is then rejected (a 429 RATE_LIMITED costs nothing). Error results
  • apply_referral · Apply a referral code for a referred user, issuing the configured credits to the referee and the referrer. credit_type_id picks the credit type's program (default: the project's default program). defer_referrer_credits pays only the referee
  • complete_referral · Pay the referrer of a referral applied with defer_referrer_credits. user_id is the REFERRED user. Safe to repeat: the payout is keyed per referral; an already completed referral answers already_completed true. 404 NO_REFERRAL. Costs 1 CRD (
  • list_referrals · List the project's referrals, filterable by status, referrer or credit type (program). Costs 1 CRD (platform credit) per call, charged even when the call is then rejected (a 429 RATE_LIMITED costs nothing). Error results include request_id;
  • redeem_credits · MOVES MONEY: cash out a user's credits as a Stripe transfer to a connected account. Deducts `amount` credits and pays amount × the credit type's exchange_rate (USD per credit; the rate cannot be overridden). The credit type must be redeemab
  • onboard_payout_account · Create (or reuse) a Stripe Express connected account for an end user and return an onboarding URL for them to complete. The resulting stripe_account_id (acct_…) is stored on the user; pass it as destination to redeem_credits. return_url and
  • x402_supported · Discover how to pay Cred with x402 (HTTP 402 stablecoin payments): the accepted scheme, network, asset and prices. Pass project_id to also get that project's credit price list. Requires no credentials and costs no CRD.
  • buy_credits_x402 · MOVES MONEY: buy a project's credits by paying in stablecoin over x402. Call once without x402_payment to receive the payment requirements (returned as an error result containing the x402 PaymentRequired object), sign them with your wallet,
  • list_x402_receipts · List this project's x402 stablecoin payments, newest first: kind, status, payer, amount_usd, transaction_hash, credits_granted, error. Authenticated (API key). Costs 1 CRD (platform credit) per call, charged even when the call is then rejec
  • set_user_wallet · Attach an EVM address to an end user so on-chain credits mint to them. No signature required — the address is recorded as asserted by the operator, not proved (changing it clears any earlier verification). Only later deposits match it: a de
  • get_user_wallet · Read the EVM address on file for an end user, and whether the holder proved it by signature (verified, verified_at). Costs 1 CRD (platform credit) per call, charged even when the call is then rejected (a 429 RATE_LIMITED costs nothing). Err
  • request_wallet_challenge · Step 1 of proving an end user controls an address: get a single-use message for them to sign. The message names the operator's project and must be shown to the user unmodified. Expires in ten minutes. Then call verify_wallet_signature with
  • verify_wallet_signature · Step 2: submit the personal_sign signature over the challenge message. On success the address is stored and marked verified. A challenge is single-use and a rejected signature consumes it too — a retry needs a fresh challenge. Costs 1 CRD (
  • list_deposits · List on-chain token deposits observed for the project, newest first (read-only; the chain ingest writes them). status: credited (credits granted), unattributed (sent from an address no user had; held, not credited, and attaching the address

What "online" means: the server answered an MCP connection at the time of the check. It is not a guarantee of security, quality or continuous uptime. How we test: we open an MCP session and ask for the tool list, as an AI assistant would. We never run a tool and never send a key. Checked every few days. Method

Is this your server? Monitoring Pro: a check every 30 minutes and an email within the hour when it stops answering. Launch offer: $39.99 once, for life.

Tasks it helps with

Share of each task's required capabilities it covers
Detect fraudulent transactions
Payments
50%
Handle refund requests
Payments
33%
Buy products online
Payments
33%
Reconcile payments
Payments
33%

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Facts & evidence

Each fact shows where it was seen and when.
FactValueEvidenceSourceLast confirmed
Hosted endpointhttps://eutdgemlrpvnxfkkpvlu.supabase.co/functions/v1/cred-mcpDECLAREDSRC-001 Official MCP Registry9h ago
Local install (package)noDECLAREDSRC-001 Official MCP Registry9h ago
Remote access (hosted)yesDECLAREDSRC-001 Official MCP Registry9h ago
Websitehttps://cred.diy/docs/mcpDECLAREDSRC-001 Official MCP Registry9h ago
Registry statusactiveDECLAREDSRC-001 Official MCP Registry9h ago
Version1.1.0DECLAREDSRC-001 Official MCP Registry9h ago
MCP serveryesDECLAREDSRC-001 Official MCP Registry9h ago

Change history

  • NEW06 Nov 2026
    first seen in the index

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Questions about Cred

How do I connect Cred?

Use the hosted endpoint https://eutdgemlrpvnxfkkpvlu.supabase.co/functions/v1/cred-mcp in your assistant's MCP settings. The exact settings are in "How to connect" above, as declared in the Official MCP Registry.

Does Cred need an API key or token?

Yes. The registry entry lists a required value: x-api-key. Get it from the publisher.

What tools does Cred offer?

When Electra Index connected on 06 Nov 2026, it listed 49 tools: list_credit_types, get_balance, issue_credits, deduct_credits, get_transactions, refund_credits, create_user, get_users and more. The full list is in "Live check" above.

Is Cred online?

Yes. Its hosted endpoint answered an MCP connection from Electra Index 9h ago.

What can I use Cred for?

Based on its description, it is most relevant to: detect fraudulent transactions, handle refund requests, buy products online, reconcile payments.