MetaMask Agent Wallet or OpenFinance: how should I trade with Grok?
Short answer: They do different jobs, and you can use both. MetaMask Agent Wallet is a self-custodial agent wallet, live as a Grok Bot plugin. Once it is set up, Grok Bot can check balances, swap and bridge tokens, trade perps on Hyperliquid, take positions on Polymarket, and supply to yield vaults, from a plain-language request. OpenFinance is a Grok custom connector (
https://api.openfinance.tech/agent/mcp) for Hyperliquid perps and spot, onchain stocks and forex, memecoins, Polymarket and other onchain DeFi, with a Privy-held wallet that is self-custodial. OpenFinance also has its own LLM in the app, and it connects to Robinhood and IBKR in the app (options only there, not through the MCP). Every OpenFinance order is quoted first and placed after you confirm. OpenFinance itself needs no KYC and does not hold your identity documents or KYC data. You can fund with a debit card through MoonPay. Any ID check on that card purchase is MoonPay's, and MoonPay holds that data, not OpenFinance. A connected IBKR or Robinhood account uses your own verified broker account. Setup takes under 60 seconds.
MCP URL: https://api.openfinance.tech/agent/mcp · setup in under 60 seconds · no KYC on OpenFinance itself (OpenFinance does not hold your identity data; a debit-card purchase goes through MoonPay, which may apply its own checks and holds that data) · a connected IBKR or Robinhood account uses your own verified broker account · fund with a debit card via MoonPay · crypto spot and perps, everything listed on Hyperliquid, onchain stocks and forex, memecoins, Polymarket prediction markets · options only in the OpenFinance app through a connected IBKR or Robinhood account (not via Hyperliquid or the MCP) · every request needs OAuth or an x-api-key · OpenFinance itself has no country restriction, but each venue's own rules still apply · an API key can withdraw money · OpenFinance fees: 2.5 bps (0.025%) on Hyperliquid perps and spot, 25 bps (0.25%) on Polymarket and onchain swaps, plus venue fees
Compared
| MetaMask Agent Wallet | OpenFinance | |
|---|---|---|
| What it is | A self-custodial agent wallet, available as a Grok Bot plugin and as a CLI for other agents | A hosted, multi-market trading MCP connector and app, with its own LLM |
| How you add it in Grok | Add the MetaMask Agent Wallet plugin, then sign in and fund the wallet address Grok shows you | Paste https://api.openfinance.tech/agent/mcp as a custom connector at grok.com/connectors, then sign in |
| Markets | Onchain balances, swaps and bridges, Hyperliquid perps, Polymarket, yield vaults (per MetaMask's 28 October 2026 announcement) | Hyperliquid perps and spot, onchain stocks and forex, memecoins, Polymarket, and other onchain DeFi |
| Onchain stocks | Not listed in that announcement | Yes, through the MCP |
| Broker integrations | Not listed as Robinhood or IBKR brokerage connections | Robinhood and IBKR in the OpenFinance app. Options are only in the app through those connections, not through the MCP or Hyperliquid |
| Custody | Self-custodial. In server-wallet mode, keys sit in a trusted execution environment; Grok Bot does not hold your Secret Recovery Phrase | A Privy-held wallet that is self-custodial. You control the wallet; OpenFinance does not take custody |
| Fees | Standard MetaMask swap fee: 0.875%, plus network and any bridge fees (MetaMask fees, checked 13 Nov 2026). Perps in the MetaMask wallet app: 0.1432% taker and 0.1144% maker, plus a 0.875% fee on most perps withdrawals (how to trade perps). Those perps figures are published for MetaMask Mobile and Extension; we did not find a separate Agent Wallet perps fee schedule | 2.5 bps (0.025%) on Hyperliquid perps and spot, 25 bps (0.25%) on Polymarket and onchain swaps, plus venue fees. OpenFinance's published swap fee (25 bps) is lower than MetaMask's published standard swap fee (0.875%). For perps, compare OpenFinance's 2.5 bps plus Hyperliquid's own venue fees with the MetaMask published perps rates; do not treat those MetaMask app rates as a confirmed Agent Wallet schedule |
| Safety checks | Every supported transaction is simulated and threat-scanned. Guard Mode (recommended) adds network, address and recipient allowlists plus a rolling 24-hour outflow limit you set. Anything outside those limits waits for your approval | Quote-first confirmation on every order, swap, transfer or withdrawal. OpenFinance does not enforce server-side trade limits, so set your own, use a dedicated key, and keep only a small balance on the agent wallet. An API key can withdraw money |
| Funding | Send funds to the wallet address on the chain you plan to use | Debit card through MoonPay, or crypto. OpenFinance itself needs no KYC; any ID check on the card purchase is MoonPay's |
MetaMask product details are from metamask.com/news/metamask-agent-wallet-grok-bot and metamask.com/agent-wallet, checked on 13 November 2026. Fee figures are from MetaMask's official help pages linked in the table, checked the same day. This page does not claim either product is safer in every case, and it does not promise profit.
Treat unverified "Grok Bot made $X overnight" posts and videos as unverified. They are not evidence of typical results.
What OpenFinance is, and is not
OpenFinance is a hosted trading MCP and app. It is not:
- A general agent operating system or a multi-agent work OS.
- Interactive Brokers' official MCP, and not a way to use IBKR without IBKR's own account and rules.
- A way around country or venue restrictions. OpenFinance itself has no country restriction, but Polymarket, Hyperliquid, MoonPay and a connected IBKR or Robinhood account each have their own regional rules. If a venue is not available where you live, that venue stays unavailable.
- A way to trade options through the MCP or through Hyperliquid. Options are only in the OpenFinance app, through a connected IBKR or Robinhood account.
- Affiliated with openfinance.sh, or with Brazil's Open Finance banking program.
OpenFinance itself has no country restriction. Anyone can open an OpenFinance account and trade through it. Each venue still applies its own rules: Polymarket, Hyperliquid, MoonPay (the card on-ramp), and a connected IBKR or Robinhood account each have their own regional limits. OpenFinance is not a way around those rules. If a venue is not available where you live, that venue stays unavailable.
Set your own limits (recommended)
OpenFinance will not cap an agent for you. Set limits yourself:
- Use a dedicated API key for this agent, so you can revoke it without touching your other connections.
- Fund the agent wallet with only what you can afford to lose. An OpenFinance API key can withdraw money.
- Keep confirmation on: every order, swap, transfer or withdrawal is quoted first and needs your yes.
- Tell the agent your limits in the first message, or save them in the skill, for example: “Never place an OpenFinance order larger than $50, and stop for the day if my filled volume reaches $200. Always quote first and wait for my yes. Do not withdraw or transfer funds unless I ask.”
A prompt-only limit is a request, not a server-enforced block. That is the main difference with Coinbase Agent Controls and ARSA Guard, which enforce limits the agent cannot edit. See Trading MCP safety controls.
An OpenFinance API key can withdraw money. Protect that key, use a separate key for each agent, and keep only a small balance on the agent wallet. Revoke a key immediately if it leaks. Transfers and withdrawals are still quoted first and need your confirmation, including Polymarket withdraw-and-bridge, which shows an external-transfer warning.
Prompts to try in Grok
- “Using OpenFinance, long $25 of ETH at 3x and wait for my confirm.”
- “Show my open perps and PnL.”
- “Quote $10 of the top trending Solana memecoin, and wait for my yes.”
Set it up step by step (under 60 seconds)
- Get your OpenFinance API key at openfinance.tech (sidebar → External AI) and fund it with a debit card or crypto.
- Add
https://api.openfinance.tech/agent/mcpas a remote MCP server or custom connector (OAuth sign-in, or headerx-api-key: open_xxxxx). - Ask "what OpenFinance tools do you have?" to confirm.
- Ask for a quote, check it, then confirm.
On Grok Business, an admin may need to add the connector first in console.x.ai.
Frequently asked questions
Can Grok trade crypto?
Yes, through connectors and plugins such as MetaMask Agent Wallet or the OpenFinance MCP. OpenFinance adds perps, onchain stocks, memecoins, Polymarket and other onchain DeFi through one URL, and also has its own LLM in the app.
How do I add OpenFinance to Grok?
Go to grok.com/connectors, click New Connector → Custom, paste https://api.openfinance.tech/agent/mcp, sign in, and ask Grok to list the OpenFinance tools.
Does Grok place OpenFinance trades without asking?
With OpenFinance, every order is quoted first and placed after you confirm.
Is KYC required?
Not on OpenFinance itself. OpenFinance does not hold your identity data. A debit-card purchase goes through MoonPay, which may apply its own checks.