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AI agents

Connecting an AI agent.

How an AI agent connects to a Summo account, what it can see and request, and how its requests are approved.

01What Agent Access is

Agent Access connects an AI agent the account holder already uses, such as Claude or ChatGPT, to their Summo account. The agent can read the account and file requests for actions such as a swap, a perpetual futures order or a payment. Every request waits in the app until the account holder approves or declines it on their phone. The agent cannot move funds itself.

Summo does not provide the agent, review what it asks for, or recommend any request. The account holder reads each request before approving it.

02Connecting an agent

Claude, ChatGPT and Codex connect by signing in, in three steps.

1Add Summo to the agent with the server address below. The steps for each app follow.
2The agent opens a Summo sign-in page that shows a short code.
3In the Summo app, go to More, then Connected agents, tap Enter sign-in code and enter the code, or scan the page’s QR code with the scan button at the top of the app. Check which app is asking, then approve with Face ID.

A sign-in code works once and expires after 10 minutes. Never enter a code or open a sign-in page that someone else sent.

Server address

https://mcp.summo.cash

Claude apps

In Customize, then Connectors, add a custom connector with the server address.

Claude Code

Run:

claude mcp add --transport http summo https://mcp.summo.cash

Then run /mcp and choose Summo to sign in.

ChatGPT

Add a custom connector with the server address (developer mode, on plans that offer it).

Codex

Run:

codex mcp add summo --url https://mcp.summo.cash

codex mcp login summo

03Other agents

Other agents, such as OpenClaw or Hermes Agent, connect with an access code instead.

1In the Summo app, go to Connected agents, tap Other agents: get an access code, name the agent and approve with Face ID.
2Add the code to the agent’s settings as shown below. The app shows the code only once.

Anyone with the code can act as that agent, so keep it private.

OpenClaw

Set SUMMO_ACCESS_CODE to the access code in the environment OpenClaw runs in, then run:

openclaw mcp set summo '{"url":"https://mcp.summo.cash","transport":"streamable-http","headers":{"Authorization":"Bearer ${SUMMO_ACCESS_CODE}"}}'

Hermes Agent

Add to ~/.hermes/config.yaml, with the access code in place of YOUR_ACCESS_CODE:

mcp_servers:
  summo:
    url: "https://mcp.summo.cash"
    headers:
      Authorization: "Bearer YOUR_ACCESS_CODE"

Then run /reload-mcp in Hermes.

Any other agent

Connect to the server address and send this header on every request:

Authorization: Bearer YOUR_ACCESS_CODE

Agents that call an HTTP API instead of MCP can use the same code. Instructions for agents are at summo.cash/agents/SKILL.md and the API description at summo.cash/agents/openapi.json.

04What an agent can see

A connected agent can read the account’s balances, its positions in perpetual futures, prediction markets and Earn, and its recent activity. It can also look up the tokens, markets, prediction events and Earn vaults listed in Summo, and an estimate for a swap.

An agent never sees the account holder’s name, email address or contacts.

05What an agent can request

A request names one action and its values. Requests can be filed for the following actions; further types are added over time.

SwapExchanges one token for another on one network, or between Ethereum-compatible networks.

Perpetual futures orderOpens a position, or closes an open one.

Perpetual futures depositAdds funds from the account to the perpetual futures balance.

Prediction market orderBuys one side of a prediction market, in the countries where prediction markets are available.

Earn depositDeposits into an Earn vault.

SendSends assets to an address or to a Summo username.

QR PayPays a Pix code, or a payment QR from another country QR Pay covers, such as M-Pesa in Kenya. Requires a verified account.

Swaps are limited to tokens verified by Summo. A send or a payment goes through the same checks as one the account holder starts, and the review shows who is paid.

06Approving a request

Each request arrives in the app’s Approvals screen, with a notification. Opening it shows that action’s own confirmation screen, with the request’s values filled in and locked. The account holder approves it there in the same way as an action they start themselves, or declines it. Prices and fees are quoted again at that moment, and the approved action goes through the same checks as one the account holder starts in the app.

A request waits up to 12 hours. One that is not approved by then expires, and nothing is sent. The agent can follow the status of its requests, and can withdraw one that has not been opened.

An agent can attach a one-line note to a request. The app shows the note labelled as the agent’s own, not checked by Summo, and never uses it in a notification or in the description of the request.

07What an agent cannot do

Move funds. An agent holds no key and signs nothing. Every action it requests is signed on the account holder’s phone, after approval.
Change how the account is secured. Guardians, recovery, spending limits and trusted addresses are outside Agent Access, even with approval.
Reach the recovery phrase or any key.
Change the profile or settings, connect the account to other apps, or buy with a card.

08Pausing and disconnecting

Connected agents lists every connected agent with when it was last used. An agent can be paused, resumed or disconnected at any time. Pausing or disconnecting an agent cancels its waiting requests, and a disconnected agent loses access immediately. Up to five agents can be connected at once.