The first address intelligence API your agent can call, sign, and pay — without a signup.
GeoClear ships a production MCP server with per-call x402 stablecoin payments on Base. Your AI agent verifies, enriches, and scores any US address — and pays in USDC as it goes. No account. No API key. No invoice.
Built on the x402 open standard · Coinbase · Cloudflare · Google · Visa · AWS · Anthropic · Vercel
Two ways to use GeoClear over MCP.
Same server. Same tools. Same <5ms response time. Pick the rail that fits how you work.
API key + monthly plan
Sign up with an email. Get a gc_live_… key. Plug it into Claude, Cursor, Continue, or any MCP client. Every tool call counts against your plan — same quotas, same dashboard, same invoice as the REST API.
- Free tier: 10,000 calls/month
- All enrichment fields on every call
- One key, one bill, one vendor relationship
- Rate limits set per plan, not per wallet
~/Library/Application Support/Claude/claude_desktop_config.json
~/.cursor/mcp.json
Pay per call with x402
No signup. Your agent hits mcp.geoclear.io, gets a 402 Payment Required, signs a USDC payment, retries, gets the data. Settled onchain in ~5 seconds. The agent doesn't need an account at GeoClear — it needs a wallet.
- Zero friction — no email, no key, no contract
- Instant settlement in USDC (Base)
- Pay only for successful calls
- Open standard (x402 Foundation) — not locked to GeoClear
Why we built this.
Most APIs still assume a human with a credit card is on the other end of the request. That's a shrinking share of the traffic we see. Your LLM agent drafting a homeowners policy, your internal copilot validating bulk uploads, the Claude skill checking flood zones for a mortgage file — none of them want to sign up, juggle keys, or wait for procurement. They want to ask for data and pay for it the same way they ask any other question. MCP gives agents a clean, structured way to discover what GeoClear can do. x402 gives them a clean, structured way to pay for it. We shipped both because the first one without the second is still friction.
Three price points. One API.
For subscribers, everything's already included — MCP calls count against your existing plan. For agents paying with x402, here's what each tool costs per call.
| Tool | What it returns | x402 price |
|---|---|---|
| verify_address | Validated address, coordinates, county FIPS, timezone, confidence, RDI, ZIP+4 | $0.002 / call |
| suggest_address | Up to 10 address autocomplete candidates from a partial query | $0.002 / call |
| reverse_geocode | Nearest verified address + full enrichment for a lat/lon pair | $0.002 / call |
| climate_risk_decision | FEMA flood zone, wildfire class, storm events, earthquake, drought, composite score + recommended_action | $0.02 / call |
| hmda_compliance_check | Census tract, county FIPS, NFIP flood determination, HMDA-ready bundle with audit fields | $0.05 / call |
| drone_deliverability | FAA airspace class, LAANC eligibility, authorized altitude ft, airport proximity + recommended_action | $0.05 / call |
| full_risk_assessment ✦ | Everything above in one call: climate + drone + HMDA + deliverability score + overall recommended_action | $0.10 / call |
✦ full_risk_assessment returns a single recommended_action field —
"approved" | "moderate_risk" | "high_risk" | "deny" — with a one-sentence reason. Built for agents that need the answer, not the data.
hmda_compliance_check costs $0.05 — and your agent pays automatically, in USDC, the second it needs one. Climate risk from First Street or ZestyAI: $2–$4 per call. GeoClear's climate_risk_decision: $0.02.
Already on a GeoClear plan? Your MCP calls count against your existing quota at standard rates — no separate billing. See main pricing →
Watch an agent pay and fetch in real time.
This is the actual x402 flow. The transaction settles on Base while you watch.
Charge for the answer, not the lookup.
Every other address API still bills per record. We bill per decision.
Lookup
The commodity tier. Your agent asks, "is 742 Evergreen Terrace a real address?" We answer yes or no in 4ms for $0.002. Competitive with every incumbent on the planet.
Enrichment
Your agent asks, "what flood zone, census tract, and timezone?" We return 15+ fields — the same call would cost $0.10+ across Smarty, Census Geocoder, and FEMA NFHL combined. With GeoClear: $0.002.
Decision
Your agent asks, "should I approve this insurance quote?" We return recommended_action: "hold" with reasoning. The alternative — First Street, ZestyAI — costs $2–$4. With GeoClear: $0.02–$0.10.
The data is public domain. The decision is the product. That's the whole reframe.
Works with every MCP client you use.
MCP is the open standard. We shipped the address intelligence server.
If it speaks MCP, it speaks GeoClear. Server endpoint: https://mcp.geoclear.io
Boring reliability, by design.
- Payments verified on Coinbase's x402 Facilitator — we never touch your wallet
- All calls logged, signed, and exportable as JSON receipts — audit-ready for HMDA/CRA
- 99.9% uptime target · live status →
- Data hosted in US · TLS 1.3 · SOC 2 Type II in progress
Questions we're hearing.
What's MCP, actually?
Model Context Protocol. It's an open spec from Anthropic for how LLMs and agents call external tools. Claude, ChatGPT, Cursor, and most serious agent frameworks support it. If your agent can call MCP, it can call GeoClear.
What's x402?
An open payment protocol built on the HTTP 402 "Payment Required" status code — reserved since 1991, never widely used until Coinbase and Cloudflare launched x402 in 2025. The x402 Foundation now includes Google, Visa, AWS, Anthropic, Circle, and Vercel.
Do I need crypto to use GeoClear MCP?
No. If you're a team with an API key, your MCP calls bill monthly in USD against your existing plan. Crypto is only the rail if you want your agent to transact autonomously without a signup.
What chains do you support?
USDC on Base mainnet. Settlement is typically 1–5 seconds. Network fees are fractions of a cent.
What happens if my agent's call fails?
No charge. x402 only settles on successful responses. If our server errors or returns a 4xx, your agent's payment isn't captured.
Can I start with x402 and graduate to an API key?
Yes, and many teams do. Prototype with x402 (no signup), then convert when you're ready to batch-bill, set rate limits, and put a plan under your company's name. Same tools, same endpoints, same data.
Is there a rate limit on x402?
Soft cap at 5,000 calls per wallet per minute. Enterprise-scale agent fleets should use an API key with a Scale or Enterprise plan.
Who's running this?
GeoClear. Our MCP server runs on our own infrastructure — no third-party proxy, no middleman. Payments are verified by Coinbase's x402 Facilitator; we receive USDC directly to a multisig wallet on Base.
The address intelligence layer for the agentic era.
Live today. Priced for machines. Built on open standards.
First production MCP server for US address intelligence. Apr 2026.