> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nebulaonchain.xyz/llms.txt
> Use this file to discover all available pages before exploring further.
# What Is Nebula? Stellar Wallet MCP Server Explained
> Nebula is an MCP server that gives AI agents a real Stellar wallet with payments, yield, on-chain spending policy, and verifiable identity.
Your AI agent can think, plan, and reason — but the moment it hits a paywall, a pay-per-call API, or a service that requires a real on-chain transaction, it stops cold. Nebula solves this by giving your agent a genuine Stellar blockchain wallet through the Model Context Protocol (MCP). One `npx` install, and your agent can pay for resources, earn yield on idle funds, enforce its own spending limits, and build a verifiable on-chain identity — all without any human approval step.
## What your agent gets
Nebula exposes **23 tools** grouped across seven capability areas:
| Capability | What it enables |
| ------------------- | -------------------------------------------------------------------------------------------------------------- |
| **Wallet** | Hold XLM and USDC, check live balances, send transfers to any Stellar address |
| **x402 payments** | Auto-pay HTTP 402-gated APIs with USDC on the first response — fully autonomous |
| **MPP sessions** | High-frequency micropayments via one on-chain deposit, unlimited off-chain commits, one on-chain settle |
| **Treasury yield** | Idle funds auto-earn in Blend lending pools; withdrawn automatically when liquidity drops below your threshold |
| **Spending policy** | Per-call and rolling 24-hour caps — enforced off-chain by default or on-chain by a Soroban smart contract |
| **8004 identity** | Mint a Stellar8004 agent NFT and accumulate a verifiable feedback-based reputation score |
| **Live dashboard** | Interactive wallet UI rendered inside chat (Claude Desktop and MCP Apps) |
## Why Stellar
Stellar is purpose-built for the kind of real-time, high-frequency financial activity that AI agents need:
* **Low fees** — transactions cost fractions of a cent, so per-call micropayments are economically viable
* **Fast settlement** — 5-second finality means your agent doesn't wait around for confirmations
* **Native stablecoins** — Circle USDC runs natively on Stellar via a Stellar Asset Contract (SAC), with no bridging required
* **Live ecosystem** — Blend Finance for yield, Stellar Horizon for data, Friendbot for instant testnet funding, and a growing x402 + MPP payment network
## How it works
Getting your agent from zero to autonomous payments takes three steps:
**1. Plug in** — Add Nebula to your MCP config with a single JSON block. No build step, no cloning. `npx` downloads and runs the server the first time your agent calls a tool.
**2. Set your policy** — Define per-call and daily spending caps in your env vars, or deploy a Soroban `nebula-policy` contract for on-chain enforcement. When a contract is set, the blockchain itself rejects overspend — your agent physically cannot exceed the limits you set.
**3. Let it work** — Your agent pays x402 APIs automatically, routes excess funds into Blend for yield, commits off-chain micropayments through MPP sessions, and builds reputation with every interaction. You watch the dashboard; your agent does the work.
Nebula defaults to **testnet**. You can explore all capabilities, fund a test wallet instantly with Friendbot, and experiment with the full tool set before touching real funds. Set `NETWORK=mainnet` only when you're ready for production.
## Next steps
Add Nebula to Claude and run your first automated payment in under 5 minutes.
Explore every environment variable — network, spending limits, treasury, and identity metadata.