pop-pay 0.7.2

Point One Percent - Semantic Payment Guardrail for AI Agents. it only takes 0.1% of Hallucination to drain 100% of your wallet.

Point One Percent — pop-pay

Note: This is the PyPI published documentation. For the full architecture diagrams and real UI screenshots, please visit the GitHub Repository.

it only takes 0.1% of Hallucination to drain 100% of your wallet.

The runtime security layer for AI agent commerce. Card credentials are injected directly into the browser DOM via CDP — they never enter the agent's context window. One hallucinated prompt can't drain a wallet it can't see.

Getting Started

Install the core package with MCP support:

pip install "pop-pay[mcp]"

Claude Code

claude mcp add pop-pay -- python3 -m pop_pay.mcp_server

With environment variables:

claude mcp add pop-pay \
  -e POP_CDP_URL=http://localhost:9222 \
  -e POP_ALLOWED_CATEGORIES='["aws","cloudflare"]' \
  -e POP_MAX_PER_TX=100.0 \
  -e POP_MAX_DAILY=500.0 \
  -e POP_GUARDRAIL_ENGINE=keyword \
  -- python3 -m pop_pay.mcp_server

OpenClaw / NemoClaw

Compatible with any MCP host. See the Integration Guide for setup instructions and System Prompt templates.

Docker

docker-compose up -d

Runs the MCP server + headless Chromium with CDP. Mount your encrypted vault from the host. See docker-compose.yml for configuration.

Other installation variants

# Core only (keyword guardrail + mock provider)
pip install "pop-pay"

# With CDP injection (browser automation)
pip install "pop-pay[mcp,browser]"

# With LLM-based guardrails (OpenAI, Ollama, vLLM, OpenRouter)
pip install "pop-pay[mcp,llm]"

# With Stripe virtual card issuing
pip install "pop-pay[stripe]"

# With LangChain integration
pip install "pop-pay[langchain]"

# Full installation (all features)
pip install "pop-pay[all]"

Vault Setup

Credentials are stored in an AES-256-GCM encrypted vault — plaintext card data never touches disk.

pop-init-vault

Passphrase mode (recommended — protects against agents with shell access):

pop-init-vault --passphrase   # one-time setup
pop-unlock                     # run once before each MCP session

pop-unlock derives the key from your passphrase and stores it in the OS keyring. The MCP server reads it automatically at startup.

MCP Tools

Tool	Description
request_virtual_card	Issue a virtual card and inject credentials into the checkout page via CDP.
request_purchaser_info	Auto-fill billing/contact info (name, address, email, phone).
request_x402_payment	Pay for API calls via the x402 HTTP payment protocol.
page_snapshot	Scan a checkout page for hidden prompt injections or anomalies.

Configuration

Core variables in ~/.config/pop-pay/.env. See ENV_REFERENCE.md for the full list.

Variable	Default	Description
POP_ALLOWED_CATEGORIES	["aws","cloudflare"]	Approved vendor categories — see Categories Cookbook
POP_MAX_PER_TX	100.0	Max USD per transaction
POP_MAX_DAILY	500.0	Max USD per day
POP_BLOCK_LOOPS	true	Block hallucination/retry loops
POP_AUTO_INJECT	true	Enable CDP card injection
POP_GUARDRAIL_ENGINE	keyword	keyword (zero-cost) or llm (semantic)

Guardrail Mode

	keyword (default)	llm
Mechanism	Keyword matching on reasoning string	Semantic analysis via LLM
Cost	Zero — no API calls	One LLM call per request
Best for	Development, low-risk workflows	Production, high-value transactions

To enable LLM mode, see Integration Guide §1.

Providers

Provider	Description
BYOC (default)	Bring Your Own Card — encrypted vault credentials, local CDP injection.
Stripe Issuing	Real virtual cards via Stripe API. Requires POP_STRIPE_KEY.
Lithic	Multi-issuer adapter (Stripe Issuing / Lithic).
Mock	Test mode with generated card numbers for development.

Priority: Stripe Issuing → BYOC Local → Mock.

Dashboard

The Vault Dashboard provides real-time monitoring of all agent payment activity, budget utilization, and rejection logs.

uv run streamlit run dashboard/app.py
# Opens at http://localhost:8501

Python SDK

Integrate pop-pay into custom Python or LangChain workflows:

from pop_pay.client import PopClient
from pop_pay.providers.stripe_mock import MockStripeProvider
from pop_pay.core.models import GuardrailPolicy

client = PopClient(
    provider=MockStripeProvider(),
    policy=GuardrailPolicy(
        allowed_categories=["API", "Cloud"],
        max_amount_per_tx=50.0,
        max_daily_budget=200.0,
    ),
)

# LangChain integration
from pop_pay.tools.langchain import PopPaymentTool
tool = PopPaymentTool(client=client, agent_id="agent-01")

See Integration Guide §2 for the full SDK and provider reference.

Security

Layer	Defense
Context Isolation	Card credentials never enter the agent's context window or logs
Encrypted Vault	AES-256-GCM with PBKDF2 key derivation and OS keyring integration
TOCTOU Guard	Domain verified at the moment of CDP injection — blocks redirect attacks
Repr Redaction	Automatic masking (****-4242) in all MCP responses, logs, and tracebacks

See THREAT_MODEL.md for the full STRIDE analysis and COMPLIANCE_FAQ.md for enterprise details.

Architecture

• Python — Core engine, MCP server, guardrail logic, CLI
• Cython — Performance-critical vault operations and memory protection
• Chrome DevTools Protocol — Direct DOM injection via raw WebSocket
• SQLite — Local transaction auditing and state management

Documentation

• Threat Model — STRIDE analysis, 5 security primitives, 10 attack scenarios
• Guardrail Benchmark — 95% accuracy across 20 test scenarios
• Compliance FAQ — PCI DSS, SOC 2, GDPR details
• Environment Reference — All POP_* environment variables
• Integration Guide — Setup for Claude Code, Python SDK, and browser agents
• Categories Cookbook — POP_ALLOWED_CATEGORIES patterns and examples

License

MIT