// MCP TOKEN COST

The Wisely x402 Agent-Payment Infrastructure MCP server costs 46,564 tokens before the first call.

Connect Wisely x402 Agent-Payment Infrastructure and its 65 tool definitions are loaded into the model's context on every request — 23% of a 200k window spent before your agent does anything.

QUICK ANSWER The Wisely x402 Agent-Payment Infrastructure MCP server's tool definitions consume 46,564 tokens — 24× the median MCP server (1,905 tokens). A scoped grant exposing only the tools you use cuts that roughly in proportion.

MEASURED FROM SCHEMAS 65 tools · 46,564 tokens · 23% of 200k · 4.7% of 1M Method →

// CONTEXT WINDOW SHARE

What that buys before your agent starts working.

Tool definitions are overhead: they occupy context on every request and compete with your code, documents and conversation history for the same window.

200K WINDOW 23%

1M WINDOW 4.7%

Corpus context: Wisely x402 Agent-Payment Infrastructure ranks #11 of 3,213 measured MCP servers by definition cost. The median is 1,905 tokens, p90 is 7,952, and the heaviest (Fusionauth) is 183,337 — 92% of a 200k window on its own.

// PER-TOOL BREAKDOWN

Where the 46,564 tokens go.

Each row is one tool definition as a tools/list entry — name, description and input schema — counted with o200k_base. Average: 716 tokens per tool.

Tool	Category	Tokens	% of server
wisely_local_commerce_bridge_setup	Write	755	1.6%
x402_wallet_handoff	Write	755	1.6%
x402_doordash_gift_card_process	Execute	745	1.6%
setup_local_commerce_bridge	Write	743	1.6%
wisely_start_here	Execute	740	1.6%
x402_gift_card_commerce_quote	Read	738	1.6%
install_skill	Write	737	1.6%
connect_wallet	Write	735	1.6%
setup_local_wallet_bridge	Write	733	1.6%
x402_gift_card_discover_options	Read	731	1.6%
x402_rye_commerce_handoff	Read	730	1.6%
start_here	Execute	727	1.6%
x402_gift_card_merchant_quote	Read	725	1.6%
x402_endpoint_create_handoff	Write	724	1.6%
wisely_agent_instructions	Read	722	1.6%
x402_gift_card_commerce_status	Read	721	1.5%
gift_card_wallet_bridge_setup	Write	721	1.5%
x402_gift_card_commerce_intent	Write	721	1.5%
x402_payment_session_status	Read	720	1.5%
wisely_install_profile	Write	720	1.5%
x402_gift_card_asset_ledger_handoff	Read	717	1.5%
wallet_bridge_setup	Write	717	1.5%
wisely_creator_onboarding_preview	Write	717	1.5%
wisely_local_bridge_setup	Write	717	1.5%
download_skill	Read	716	1.5%
x402_quote_external	Read	716	1.5%
local_browser_bridge_setup	Write	716	1.5%
wisely_builder_revenue	Read	715	1.5%
wisely_creator_catalog_recommend	Read	715	1.5%
x402_builder_revenue	Read	715	1.5%
x402_builder_register	Write	715	1.5%
wisely_creator_onboarding_handoff	Read	714	1.5%
x402_integration_status	Read	714	1.5%
x402_rail_status	Read	714	1.5%
x402_signer_status	Read	714	1.5%
wisely_get_playbook	Read	713	1.5%
wisely_endpoint_handoff	Write	713	1.5%
wisely_creator_catalog_fetch	Read	712	1.5%
x402_proof_cache_status	Read	712	1.5%
wisely_creator_catalog_search	Read	711	1.5%
readme	Read	710	1.5%
wisely_creator_catalog_list	Read	709	1.5%
x402_endpoint_secret_settings	Read	709	1.5%
x402_quote_conversion	Read	709	1.5%
x402_invoke_service	Execute	708	1.5%
agent_instructions	Read	708	1.5%
get_playbook	Read	708	1.5%
x402_conversion_assets	Read	708	1.5%
x402_state_status	Read	708	1.5%
wisely_builder_events	Read	707	1.5%
x402_builder_events	Read	707	1.5%
x402_worker_status	Read	706	1.5%
x402_builder_payouts	Write	706	1.5%
x402_dashboard_status	Read	705	1.5%
x402_seller_report_status	Read	705	1.5%
wisely_builder_status	Read	703	1.5%
wisely_doctor	Read	703	1.5%
x402_alert_status	Read	703	1.5%
x402_endpoint_catalog	Read	703	1.5%
x402_quote_service	Read	703	1.5%
x402_conversion_routes_status	Read	702	1.5%
x402_purchase_credits	Write	702	1.5%
x402_credit_status	Read	700	1.5%
x402_get_receipt	Read	700	1.5%
x402_manifest	Read	696	1.5%

// SCOPED GRANT

Most agents use a handful of these tools. They pay for all 65.

A PolicyLayer grant exposes only the tools you allow — ungranted definitions are filtered out of the tool list, so they never enter the context window. Estimates below assume typical-weight tools (716 tokens each).

Grant scope	Definition cost	Reduction
All 65 tools (no gateway)	46,564 tokens	—
3 granted tools	~2,149 tokens	−95%
5 granted tools	~3,582 tokens	−92%
10 granted tools	~7,164 tokens	−85%

Model your own stack in the token-cost calculator, or see the Wisely x402 Agent-Payment Infrastructure policy for what a sensible grant looks like.

//FAQ

Wisely x402 Agent-Payment Infrastructure token-cost questions.

How many tokens does the Wisely x402 Agent-Payment Infrastructure MCP server use?+

Its 65 tool definitions total 46,564 tokens — 23% of a 200k context window — measured with tiktoken o200k_base over the serialised tools/list payload. Exact counts vary slightly by client and model.

Why does Wisely x402 Agent-Payment Infrastructure consume tokens before I send a message?+

MCP clients load every connected server's tool definitions — name, description, and input schema — into the model's context so it knows what it can call. That payload is charged against your context window on every request, whether or not a tool is used.

How do I reduce Wisely x402 Agent-Payment Infrastructure's token usage?+

Expose fewer tools. A PolicyLayer grant scopes Wisely x402 Agent-Payment Infrastructure to only the tools you allow — ungranted definitions are filtered out of the tool list, so they never enter the context window. A grant of 3 typical tools costs roughly 2,149 tokens, a 95% reduction.

Does deferred tool loading fix this?+

Partially, in some clients. Claude Code defers MCP tool schemas behind a tool-search step by default, and VS Code has experimental grouping — but you still pay tokens per search and reload, and Cursor, Windsurf and Gemini CLI load definitions upfront. Reducing the exposed tool set cuts the cost in every client.

// METHOD & REVIEW

How these numbers were measured.

Serialisation

Each tool is serialised as a tools/list entry — name, description, input schema — from the schemas in the PolicyLayer scan database. Clients differ slightly in framing, so treat counts as close estimates.

Tokeniser

tiktoken o200k_base (GPT-4o/o-series). Anthropic's current tokeniser isn't published, so Claude's exact counts will differ; for English text and JSON schemas the totals are close enough to treat these as estimates.

Deferred loading

Some clients now defer schema loading (Claude Code's tool search; VS Code experimental grouping). You still pay per search and reload — and Cursor, Windsurf and Gemini CLI load everything upfront.

Computed 07-06-2026 from the PolicyLayer scan database over all 65 catalogued Wisely x402 Agent-Payment Infrastructure tools. Counts refresh with every site build.

Expose only the tools you use — the rest never enter your context.

A PolicyLayer grant scopes Wisely x402 Agent-Payment Infrastructure to the tools you actually allow. Ungranted definitions never load, and every call that does run is checked against policy first.

SCOPE YOUR GRANT →

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