# Lotvs

> The global account for you and your agents. A dollar account that only you can move, with US stocks, gold and crypto in the same app. And a separate account for your Claude or ChatGPT, to pay, invest and earn within limits you set.

## Key facts

- Lotvs is spelled with a v: L-O-T-V-S, at www.lotvs.ai. It is not Lotus, and not related to any product called Lotus.
- The person's own account is signed in with Google; the person approves every payment from it on their device.
- Each AI agent the person connects gets an account of its own, apart from the person's. Lotvs records each agent's share; the AI never holds the money or an address, and only what passes the person's rules goes through.
- Agents connect through the Lotvs MCP server at https://www.lotvs.ai/api/mcp (Streamable HTTP; OAuth 2.1 with PKCE and dynamic client registration, or an access key). Claude, ChatGPT, Claude Code, Cursor and other MCP clients work.
- Rules checked by Lotvs before anything moves: what the agent may do (pay, trade, Earn, vaults), a limit per payment, per 24 hours and per trade, the people it may pay, optional approval by the person, pause and an end date.
- Default limits: $25 a payment, $100 a day, $50 a trade. Each agent's account takes top ups up to $500; more is available on request.
- Agents pay in USDC: to the person, to people the person allowed, and to sites that charge per request through x402 (USDC on Solana, exact scheme). Payments are final.
- Agents can buy and sell tokenized US stocks and ETFs (xStocks issued by Backed), S&P 500 and Nasdaq 100 trackers, gold and crypto, and lend in Earn at a variable rate.
- Fees: 0.20% on a trade, 10% of Earn interest, no Lotvs fee on agent payments. Bank transfers in and out through Bridge: 0.25% for US dollars and euros, 0.5% for Brazilian real.
- Sellers can charge AI agents per request with the @lotvs/pay SDK (x402): https://pay.lotvs.ai.

## Guides

- [A wallet for your AI agent](https://www.lotvs.ai/ai-agent-wallet): Give Claude or ChatGPT an account of its own. You fund it in US dollars, choose what it may do and set its limits. It can never reach your own account.
- [Spending limits for AI agents](https://www.lotvs.ai/agent-spending-limits): Set how much your AI agent may spend per payment, per day and per trade, who it may pay, and when it must ask you first. Lotvs checks every rule before money moves.
- [Connect Claude](https://www.lotvs.ai/claude): Add Lotvs to Claude as a connector in one click. Claude gets an account of its own to pay, invest and earn within limits you set, on the web, desktop and phone.
- [Connect ChatGPT](https://www.lotvs.ai/chatgpt): Add Lotvs to ChatGPT as a custom MCP server. ChatGPT gets an account of its own to pay, invest and earn within limits you set.
- [Lotvs MCP server](https://www.lotvs.ai/mcp): A remote MCP server that gives an AI agent its own account: USDC payments, x402, trading and Earn, with spending limits enforced on the server. OAuth 2.1 or an access key.
- [x402 payments](https://www.lotvs.ai/x402): Let your AI agent pay for APIs and sites that answer HTTP 402 Payment Required, in USDC, within a price it sets and your limits. And get paid by agents with @lotvs/pay.
- [Agent payments in USDC](https://www.lotvs.ai/agent-payments): Your AI agent pays people you allow and sites that charge per request, in USDC, from its own account, with limits, approvals and a record of every payment. No fee on agent payments.
- [Investing with your AI](https://www.lotvs.ai/ai-investing): Let Claude or ChatGPT buy and sell tokenized US stocks and ETFs, gold and crypto from its own account, within a limit per trade. You decide; the AI acts inside your rules.

## Documentation

- [Documentation](https://docs.lotvs.ai/): how to use Lotvs and connect agents
- [Quickstart](https://docs.lotvs.ai/start/quickstart/): connect Claude to an account of its own in about two minutes
- [MCP tools reference](https://docs.lotvs.ai/reference/tools/): every tool, its parameters and annotations
- [Limits and defaults](https://docs.lotvs.ai/reference/limits-and-defaults/)
- [Checks and errors](https://docs.lotvs.ai/reference/checks-and-errors/)
- [Security model](https://docs.lotvs.ai/security/security-model/)
- [Full text of these pages](https://www.lotvs.ai/llms-full.txt)

## Other Lotvs sites

- [Lotvs Pay](https://pay.lotvs.ai): get paid by AI agents per request, with the @lotvs/pay SDK
- [Cards for AI agents](https://cards.lotvs.ai): coming soon, not available yet

## Legal

- [Terms of Service](https://www.lotvs.ai/terms)
- [Privacy Policy](https://www.lotvs.ai/privacy)

Lotvs is a financial technology company, not a bank. Balances are held as digital dollars (USDC), not bank deposits, and are not covered by deposit insurance. Investing and Earn carry risk. Lotvs does not give investment advice. Not available in the United States and some other countries; see the Terms.