pop-pay

   

<p align="center"> <picture> <img src="https://raw.githubusercontent.com/100xPercent/pop-pay-python/main/project_banner.png" alt="Point One Percent (AgentPay)" width="800"> </picture> </p>

Point One Percent — pop-pay

<p align="left"><i>it only takes <b>0.1%</b> of Hallucination to drain <b>100%</b> of your wallet.</i></p>

The runtime security layer for AI agent commerce. Drop-in CLI + MCP server. 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.

<p align="center"> <img src="https://raw.githubusercontent.com/100xPercent/pop-pay-python/main/assets/runtime_demo.gif" alt="Point One Percent — live CDP injection demo" width="800"> </p>

📄 Research Dataset & Reproduction — this repository hosts the open dataset and reproduction harness for "The Illusion of Single-Attacker Rankings". research: jump to Research Dataset & Reproduction.

Install

Choose your preferred method:

<details> <summary>Homebrew (macOS)</summary>

brew install 100xpercent/tap/pop-pay

</details>

<details> <summary>curl (Linux / macOS) — bootstraps via npm; requires Node.js 18+</summary>

curl -fsSL https://raw.githubusercontent.com/100xPercent/pop-pay/main/install.sh | sh

</details>

<details> <summary>npm (global)</summary>

npm install -g pop-pay

</details>

<details> <summary>npx (no install — one-off runs)</summary>

npx -y pop-pay <command>

</details>

All install paths expose the same binaries: pop-pay, pop-launch, pop-init-vault, pop-unlock.

Also available as @100xpercent/mcp-server-pop-pay — identical package under the MCP @scope/mcp-server-<name> convention. Tracks the same version on every release.

Using Python? Check out pop-pay-python — pip install pop-pay. Same security model, same vault format, independent release cycle — safe to switch between runtimes.

Quick Start (CLI)

1. Initialize the encrypted credential vault

pop-pay init-vault

This encrypts your card credentials into ~/.config/pop-pay/vault.enc (AES-256-GCM). For stronger protection (blocks agents with shell access):

pop-pay init-vault --passphrase   # one-time setup
pop-pay unlock                     # run once per session

2. Launch Chrome with CDP remote debugging

pop-pay launch

This opens a Chromium instance on http://localhost:9222 that pop-pay injects credentials into. Your agent (via MCP, browser automation, or x402) then drives the checkout flow — card details never leave the browser process.

3. Plug into your agent

The CLI launches infrastructure; the actual payment tool calls come from your agent. Two supported paths:

• MCP server — add pop-pay to any MCP-compatible client (Claude Code, Cursor, Windsurf, OpenClaw). See MCP Server below.
• x402 HTTP — pay for API calls via the x402 payment protocol.

Full CLI reference: pop-pay --help.

MCP Server (optional)

Add to your MCP client

Standard config for any MCP-compatible client:

{
  "mcpServers": {
    "pop-pay": {
      "command": "npx",
      "args": ["-y", "pop-pay", "launch-mcp"],
      "env": {
        "POP_CDP_URL": "http://localhost:9222"
      }
    }
  }
}

<img src="https://img.shields.io/badge/VS_Code-VS_Code?style=flat-square&label=Install%20MCP%20Server&color=0098FF" alt="Install in VS Code"> <img alt="Install in VS Code Insiders" src="https://img.shields.io/badge/VS_Code_Insiders-VS_Code_Insiders?style=flat-square&label=Install%20MCP%20Server&color=24bfa5"> <img src="https://img.shields.io/badge/Cursor-Cursor?style=flat-square&label=Install%20MCP%20Server&color=5C2D91" alt="Install in Cursor">

<details> <summary>Claude Code</summary>

Claude Code uses its own CLI — the JSON config above is not needed.

claude mcp add --scope user pop-pay -- npx -y pop-pay launch-mcp

--scope user makes it available across all projects. To remove: claude mcp remove pop-pay

</details>

<details> <summary>Cursor / Windsurf / VS Code</summary>

Add the JSON config above to:

• Cursor: ~/.cursor/mcp.json
• Windsurf: ~/.codeium/windsurf/mcp_config.json
• VS Code (Copilot): .vscode/mcp.json in project root

</details>

<details> <summary>OpenClaw / NemoClaw</summary>

OpenClaw has its own CLI — the JSON config above is not needed.

openclaw mcp add pop-pay -- npx -y pop-pay launch-mcp

Or add to ~/.openclaw/mcp_servers.json using the JSON config above.

For System Prompt templates and NemoClaw sandbox setup, see Integration Guide §4.

</details>

<details> <summary>Docker</summary>

docker-compose up -d

Runs the MCP server + headless Chromium with CDP. Mount your encrypted vault from the host.

</details>

MCP Tools

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

Tip for Claude Code users: Add the following to your project's CLAUDE.md to help the agent know when to call pop-pay: "When you encounter a payment form or checkout page, use the request_virtual_card tool. For billing/contact info forms, use request_purchaser_info first."

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.

Security

| Layer | Defense | |---|---| | Context Isolation | Card credentials never enter the agent's context window or logs | | Encrypted Vault | AES-256-GCM with XOR-split salt and native scrypt key derivation (Rust) | | 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

• TypeScript — MCP server, CDP injection engine, guardrails, CLI
• Rust (napi-rs) — Native security layer: XOR-split salt storage, scrypt key derivation
• Node.js crypto — AES-256-GCM vault encryption (OpenSSL binding)
• Chrome DevTools Protocol — Direct DOM injection via raw WebSocket

Documentation

• Threat Model — STRIDE analysis, 5 security primitives, 10 attack scenarios
• Guardrail Benchmark — Cross-model evaluation (Anthropic / OpenAI / Gemini) across 585 payloads, 11 attack categories
• Compliance FAQ — PCI DSS, SOC 2, GDPR details
• Environment Reference — All POP_* environment variables
• Integration Guide — Setup for Claude Code, Node.js SDK, and browser agents
• Categories Cookbook — POP_ALLOWED_CATEGORIES patterns and examples

Research Dataset & Reproduction

This repository hosts the open-source dataset and harness for the cross-vendor attacker-stability methodology described in the corresponding research paper. Reviewer/researcher reproduction artifacts:

• Corpus (585 attack payloads, 11 categories): tests/redteam/corpus/
• attacks.json — full payload set with category labels
• GENERATION.md — corpus generation protocol
• schema.json — payload schema
• Run JSONLs (26,325 rows, 9 models × 585 payloads × N=5): tests/redteam/runs/
• PRIMARY whitebox-no-feedback runs: runs/adaptive/2026-04-28T19-50-*
• Static panel runs: runs/static/
• Prompt-ablation (v3 / strict / paranoid): runs/ablation/
• Manifest hashes: tests/redteam/runs/MANIFEST.sha256 — byte-level integrity for all artifacts
• Croissant 1.0 metadata (Core + RAI fields): paper-artifacts/croissant.json
• Reproduction scripts (regenerate paper tables/figures from JSONL):
• python3 paper-artifacts/gen-tables.py --table all — Tab.~bypassk / threat-ablation / cross-vendor
• python3 paper-artifacts/gen-taxonomy-map.py — Fig.~taxonomy-map
• License: corpus CC BY-SA 4.0, harness MIT.

For dataset schema, statistical methodology (bootstrap CI, Holm-Bonferroni, McNemar), full from-scratch re-collection instructions, JSONL row data dictionary, and responsible-disclosure policy, see docs/PAPER_REPRODUCTION.md.

License

MIT