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What is MCP?

The Model Context Protocol is an open standard that lets AI assistants connect to external tools and data. The official Lumina MCP server (@lumina-org/mcp-server) exposes the protocol as MCP tools, resources, and prompts — so any MCP client can browse products, quote premiums, and buy a policy in one sentence.

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Why Lumina ships an MCP server

Lumina is agent-first. One MCP server reaches every MCP-capable client at once (Claude Desktop, Cursor, Windsurf, Continue, …). The default purchase path is the sandbox — a real on-chain policy with no wallet, no gas, and no API key.
The server never holds a private key. Write actions (buy_policy_real, redeem_bond, marketplace_*) return an unsigned transaction for your wallet/agent to sign. The sandbox path needs no wallet at all.

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Setup (Claude Desktop)

Add this to claude_desktop_config.json:
Restart Claude Desktop, then ask: “Use Lumina to buy a FLASHBTC1H policy.” Where is claude_desktop_config.json?

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Claude Code (CLI)

One command — no config file needed:
Then in any Claude Code session: “Use Lumina to quote a $100 FLASHBTC1H policy.”

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Cursor / Windsurf / Continue

(Continue uses experimental.modelContextProtocolServers with a stdio transport.)

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Optional env

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What it exposes

Tools (11): browse_products, quote_policy, buy_policy_sandbox, buy_policy_real, get_policy_status, get_bond_balance, redeem_bond, marketplace_list, marketplace_buy, watch_triggers, get_protocol_stats. Resources (4): lumina://products, lumina://stats, lumina://policies/{wallet}, lumina://bonds/{wallet}. Prompts (3): first_policy, compare_products, monitor_portfolio.

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Use cases

  • One-sentence purchase: “Buy me flash-crash cover on BTC for the next hour.”
  • Portfolio monitoring: the monitor_portfolio prompt summarizes policies, bonds, and approaching triggers for a wallet.
  • Self-signed flows: buy_policy_real / redeem_bond return unsigned txs your agent signs with its own wallet — keys never leave the client.

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Try these prompts

Once connected, paste any of these into your assistant:
  • “Browse Lumina products.”
  • “Buy a FLASHBTC1H policy in sandbox.” (no wallet, no gas)
  • “Show my bonds for 0x…”
  • “Compare FLASHBTC1H vs FLASHBTC24-001 and recommend one for a short hedge.”

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Troubleshooting

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FAQ

Do I need a wallet? No — buy_policy_sandbox purchases against Lumina’s relayer wallet. Does it cost gas? No for the sandbox path (the relayer pays). Self-signed buy_policy_real / redeem_bond cost gas on your own wallet. Does it work offline? No — the tools call the live Lumina API and Base RPC. Which apps support MCP? Claude Desktop, Cursor, Windsurf, Continue, and Claude Code (CLI) — plus any other MCP-compatible client. Will it touch real funds? No — Lumina is on Base mainnet with mock USDC.