# pay_l402_api

Make a request to a paid API. Supports L402 (Lightning) and X402 (USDC on Base) protocols. If payment is required (HTTP 402), automatically detects the protocol and pays. L402 is preferred when both are available. REQUIRES AGENT KEY.

Agent View of the PolicyLayer registry record for `pay_l402_api`. HTML page: https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/pay-l402-api

## Facts

- Tool: `pay_l402_api`
- Server: Lightning Wallet (`lightning-wallet-mcp`) — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp.md
- Install: `npx -y lightning-wallet-mcp`
- Homepage: https://github.com/lightningfaucet/lightning-wallet-mcp
- Risk category: Financial (Critical risk)
- Registry record: grade F, identity unverified
- Server rate-limited: no
- Parameters: 0
- Recommended policy verdict: Approval-gated

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "pay_l402_api",
    "arguments": {}
  }
}
```

## Why pay_l402_api is rated Critical

This tool commits financial obligations by automatically initiating payments (Lightning and USDC transfers) in response to API responses. Even though payment is conditional (HTTP 402), the tool autonomously decides to spend the agent's funds. This is the most severe category (Financial > Destructive > Execute > Write > Read).

From the tool's own definition: "Tool description states it 'automatically' pays via 'Lightning' and 'USDC on Base' protocols when HTTP 402 is returned."

## Use case

AI agents use pay_l402_api to commit financial operations through Lightning Wallet, usually the final step of a payment, billing, or trading workflow. A call moves real money.

## Recommended policy (PolicyLayer)

Verdict: **Approval-gated**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Lightning Wallet:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "pay_l402_api": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}
```

## Other tools on Lightning Wallet (44)

- `delete_agent` — Destructive — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/delete-agent.md
- `delete_webhook` — Destructive — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/delete-webhook.md
- `lnurl_auth` — Execute — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/lnurl-auth.md
- `test_webhook` — Execute — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/test-webhook.md
- `board_vote` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/board-vote.md
- `claim_lnurl_withdraw` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/claim-lnurl-withdraw.md
- `claim_promo` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/claim-promo.md
- `create_invoice` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/create-invoice.md
- `create_withdraw_link` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/create-withdraw-link.md
- `fund_agent` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/fund-agent.md
- `get_deposit_invoice` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/get-deposit-invoice.md
- `keysend` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/keysend.md
- `nostr_zap` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/nostr-zap.md
- `pay_invoice` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/pay-invoice.md
- `pay_lightning_address` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/pay-lightning-address.md
- `recover_account` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/recover-account.md
- `set_budget` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/set-budget.md
- `sweep_agent` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/sweep-agent.md
- `transfer_to_agent` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/transfer-to-agent.md
- `withdraw` — Financial — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/withdraw.md
- `board_read` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/board-read.md
- `check_balance` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/check-balance.md
- `decode_invoice` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/decode-invoice.md
- `get_budget_status` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/get-budget-status.md
- `get_info` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/get-info.md
- `get_invoice_status` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/get-invoice-status.md
- `get_nostr_identity` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/get-nostr-identity.md
- `get_rate_limits` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/get-rate-limits.md
- `get_transactions` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/get-transactions.md
- `list_agents` — Read — https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp/list-agents.md
- …and 14 more: https://policylayer.com/tools/io-github-lightningfaucet-lightning-wallet-mcp.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-lightningfaucet-lightning-wallet-mcp · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-lightningfaucet-lightning-wallet-mcp