Safety 48%Can trade unattended. If this tool, or an AI agent using it, is wrong, hacked or prompt-injected, how much of your money is at risk? Higher is safer. Not a ranking; affiliate links never affect it. How it's calculated · Incidents
Input
From official docs or our listing
Points
Human approval
No approval per payment: the agent pays x402 and MPP resources and other Gloam addresses on its own, within its limits (official docs) source
0 / 25
Guardrails outside the agent
Spending limits the agent can't lift, but they're off-chain limits checked by the local server itself; only on Tempo does the protocol enforce an access key's cap (official docs) source
8 / 15
Test before real money
Paper, demo or testnet mode available
15 / 15
Sending funds out
The agent can pay any x402 or MPP resource and any Gloam address within its limits; the MCP server can't cash out to a public wallet (the app and SDK can, for 0.5%) (official docs) source
0 / 15
Who holds the keys
Self-custody: the local MCP server that signs keeps the key on your machine, and the hosted server only reads and plans and never signs or holds a key; Gloam says it never holds your keys and has no admin withdraw (official docs) source
5 / 10
Open source or audited
Open source (MIT); Kann Audits reviewed the vault contracts (report, Nov 1, 2026) and found no Critical, High or Medium issues (official docs) source
10 / 10
Incident record (last 12 months)
No incident naming this tool in our incident tracker in the last 12 months (incident tracker)
stablecoins (USDC.e, pathUSD, USDT0, USDG and others by network), x402 and MPP payments, private balances on Tempo, Robinhood Chain, Base, Ethereum and Elysium
Live vs paper
live on mainnet (beta) on Tempo and Robinhood Chain since Oct 21, 2026 and on Base and Ethereum since Oct 26; Gloam says it is live on Elysium; the MCP server defaults to testnet, so a setup never moves to mainnet by itself
Order approval / safety
the agent pays x402 and MPP resources and other Gloam addresses from a private balance without approving each payment, within spending limits it cannot lift: off-chain limits the local MCP server checks, and on Tempo an access key whose cap the protocol enforces; amounts and payees are hidden, money going in and out of the vault stays public; the hosted MCP server (gloam.trade/mcp) only reads and plans and never signs or holds keys; the local server that signs keeps the key on your machine; the MCP server can't cash out to a public wallet (the app and SDK can, for 0.5%); Gloam says it never holds your keys and there is no admin withdraw
Pricing / free tier
deposits and private payments free; cashing out to a public wallet costs 0.5%
Rate limits
not stated; beta caps on deposits per stablecoin (private payments are never limited)
2026-11-09 · Added. Gloam: private stablecoin payments for AI agents (x402 and MPP) on Tempo, Robinhood Chain, Base, Ethereum and Elysium, with a hosted read-only MCP server and a local one that signs within spending limits. Kann Audits reviewed the vault contracts (Nov 1) and found no Critical, High or Medium issues. Safety score pending owner review.
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