---
name: "Money Dev Kit"
slug: money-dev-kit
layer: integration
tool-type: service
maintainer: "Money Dev Kit (Nick Slaney)"
repo: https://github.com/moneydevkit
docs: https://docs.moneydevkit.com
site: https://moneydevkit.com
license: "Apache-2.0 (agent-wallet; some packages unstated)"
---

# Money Dev Kit

> A self-custodial Lightning payments SDK — add Bitcoin checkout to an app in minutes, and equip an agent with its own keys-and-accounts-free wallet via the agent-wallet CLI.

## What it is

Money Dev Kit (MDK) is a **self-custodial Lightning payments SDK** — "global payments for any app in minutes." It deploys a serverless **LDK** (Lightning Dev Kit) "mini node" on the developer's own infrastructure, while MDK runs the **LSP** side (opening channels and managing inbound liquidity) so the builder never operates node infrastructure. The developer holds the keys via a seed (`MDK_MNEMONIC`); MDK never holds funds. It ships framework libraries (`@moneydevkit/nextjs`, `@moneydevkit/replit`) with drop-in checkout components and webhooks.

For agents specifically, MDK ships two directly drivable surfaces: an **`agent-wallet` CLI** (`npx @moneydevkit/agent-wallet`) — a standalone self-custodial Lightning wallet with **no API keys and no accounts**, JSON in and out, that an agent runs itself to hold and spend sats (BOLT11, BOLT12, LNURL, Lightning Address) — and a hosted **MCP server** (`mcp.moneydevkit.com`) an agent uses to scaffold and operate an MDK integration. The [Unhuman](/services/unhuman) storefronts are MDK's own production deployment.

## When to use it

- Equipping an agent with its own self-custodial Lightning wallet it controls (no account, no key handoff) via the `agent-wallet` CLI.
- Adding Bitcoin/Lightning checkout to an app or agent-facing service without running a node.
- Building an L402-gated, agent-payable endpoint of your own — the pattern behind [Unhuman](/services/unhuman).

## Dependencies

To **build**: a Next.js or Replit/Vite app, plus an MDK seed (`MDK_MNEMONIC`) — MDK runs the LSP and opens channels to your serverless node while you control the keys. To **run the agent wallet**: just Node (`npx @moneydevkit/agent-wallet`) — it auto-starts a local daemon, generates a mnemonic on `init`, and needs no account or API key. Bitcoin/Lightning is the only rail; there is no fiat path.

## Quick start

Agent wallet: `npx @moneydevkit/agent-wallet@latest init`, then `… receive 1000` (sats) or `… send <destination>` — output is JSON to stdout. App integration: install `@moneydevkit/nextjs`, set `MDK_MNEMONIC`, drop in the checkout component; the hosted MCP (`claude mcp add moneydevkit --transport http https://mcp.moneydevkit.com/mcp/`) can scaffold and configure it. Docs at `docs.moneydevkit.com` (machine index at `/llms.txt`); installable agent-skills (`mdk-nextjs-checkout`, `mdk-l402-api`, `mdk-agent-wallet`, …) via the Vercel Skills CLI.

## Gotchas

- **Public beta — 2% per-transaction fee** during beta (no monthly fee, no contract). Price it in.
- **License is mixed/partly unstated.** `@moneydevkit/agent-wallet` is Apache-2.0 (confirmed); `@moneydevkit/nextjs` and `@moneydevkit/replit` carry no SPDX license field on npm — confirm before commercial use.
- **Self-custody means key responsibility.** The builder or agent holds the seed (`MDK_MNEMONIC` / `MDK_WALLET_MNEMONIC`); lose it, lose the funds. MDK staff "will never ask for your mnemonic."
- **The hosted MCP is build/ops tooling.** `mcp.moneydevkit.com` helps an agent scaffold and operate an MDK app; its individual tool names aren't published. The runtime agent wallet is the `agent-wallet` CLI.
## For agents — connect

Reach this programmatically. Reference facts, not endorsements — verify before you depend on them.

- Prerequisite: A funded wallet (custodial or self-custodial) (`wallet`)
- Connect to act (the provider's own MCP): http service MCP · https://mcp.moneydevkit.com/mcp/
- In the marketplace directory: call `get_tool` with slug `money-dev-kit` at https://marketplace.bitcoineconomy.ai/mcp
- This card as data: /tools/money-dev-kit.md