
MCP vs Skills: Tools, CLAUDE.md, and MCP Explained
What MCP and tools are

Quick answer: An "OpenRouter for agent tools" is one account, one key and one prepaid balance that let an AI agent call thousands of paid APIs, paying per call. Monid (monid.ai) and treg (treg.to) are the two products built on exactly that pitch. The label also gets stuck on two other things: app-integration layers like Composio, and MCP gateways.
Questions this page answers
Checked against each vendor's own pages on November 5, 2026. Prices and catalogue sizes in this category change monthly.
| Kind | What it gives your agent | Whose accounts | How you pay | Examples |
|---|---|---|---|---|
| Pay-per-call tool router | Paid data and media APIs it has no account for | The router's | Prepaid balance, cents per call | Monid, treg |
| App-integration layer | Actions inside apps you already use | Yours, via OAuth | Free tier, then plan or per call | Composio, Pipedream, Zapier MCP, Arcade |
| MCP router or gateway | One endpoint and one set of rules in front of servers you chose | Whatever those servers use | Open source or enterprise contract | Docker MCP Gateway, agentgateway |
What is an "OpenRouter for agent tools"?
02Which kind of tool router do you need?
03How do Monid and treg compare?
04Does a tool router pick the provider for you?
05Are Composio, Pipedream, Zapier MCP and Arcade tool routers too?
06What's the difference between a tool router, an MCP router and an MCP gateway?
07How do you add a tool router to Claude Code, ChatGPT or Claude?
08What should you check before connecting one?
09When don't you need a tool router?
10FAQ
It is a marketplace your agent shops in. You give it one credential and one balance, and it can call SEO data, people search, scrapers, social data or video models from many vendors without you signing up to each one.
The name borrows from OpenRouter, which gives developers one API key for hundreds of language models and bills per token. Monid's homepage puts the idea in one line: "OpenRouter did it for models: one key, every model, pay per token. Monid does it for tools: one skill, every tool, pay per call."
If you need a refresher on what MCP and tools are, start there. This page is about the services that sit behind them.
The category is new. Monid's launch posts are dated August 20, 2026, and treg's comparison pages say they were last checked November 5, 2026. Expect new entrants and renamed features every month.
Pick by the job, not the label. If the agent needs data you don't pay for, you want a pay-per-call router. If it has to act inside your own Gmail, Slack or GitHub, you want an app-integration layer. If you're a platform team putting rules around servers you already run, you want a gateway.

They sell the same thing: other companies' paid APIs, metered from one prepaid balance. The differences are in how your agent connects, how much you can see before signing up, and what happens to your own keys.
| Monid | treg | |
|---|---|---|
| Their pitch | "The OpenRouter for agent tools" | "OpenRouter for agent tools and data, pay per call" |
| Catalogue (their figure, Nov 6, 2026) | 2,800+ tools, 71 categories | 4,100+ endpoints, 126 providers |
| How the agent connects | A skill file (monid.ai/SKILL.md) that installs the monid CLI, or a remote MCP server | MCP server, CLI, or plain HTTP with one token |
| Pricing | Prepaid wallet, $5 minimum top-up, "$0 subscriptions" | Prepaid balance, "0% additional fee", $1.00 free to start |
| Your own provider keys | Its skill tells the agent to use your own key or tool directly, outside Monid | Calls on your own key route through treg and aren't metered |
| Browse before signing up | Web catalogue only. The CLI needs a key | Catalogue search API works with no account |
| Open source | Yes (GitHub) | Yes (Apache 2.0) |
What we tested on November 5. treg's public catalogue search (/catalog/search?q=backlinks) returned 47 matches with no account. Each came with a listed price and a measured success rate. Monid's CLI (version 0.1.9) installed fine, but monid discover stopped at "No active API key" until you create one.
treg also publishes side-by-side pages against Monid, Composio, Smithery and others. They're useful, and they're written by a vendor.
Sometimes, and you should know which calls do. OpenRouter picks and falls back between model providers for you. Tool routers mostly show you the options and let the agent choose, with a few exceptions.
treg has two kinds of call:
dataforseo… or moz…, at that provider's rate.treg.<job>, try your team's own key first, then the cheapest provider. They move to the next one on an error or an empty result, up to a default cap of $1 per call. treg's own agent guide warns that a miss can still be billed, and its routed backlinks tool lists $0.000179 to $0.024 per hit across three providers.Monid shows the agent each source's live price and says it "routes to the cheapest one that does the job". In practice the agent reads the prices and picks.
The practical rule: set a spending cap, and read the price your router quotes before each call. Don't assume it failed over on its own.
They are something else that gets the same label. These layers connect an agent to your accounts, or your users' accounts, and handle the OAuth sign-in. They don't rent you data you have no account for. If you came here looking for Composio alternatives, this is the table.
| What it is (their words) | Price (their pricing page, Nov 5, 2026) | |
|---|---|---|
| Composio | Managed apps and auth for agents. Its "Tool Router" is now called Sessions: one session scopes which user's accounts and tools are in play | Hobby $0 with 100,000 tool calls a month (20,000 on Composio's managed apps); Pro $29/mo |
| Pipedream Connect | "Access to 3,000+ apps and APIs" and "over 10,000 pre-built tools" through one MCP server | Free while you build; Startup $99/mo billed annually ($150 monthly), 100 users included |
| Zapier MCP | Lets "Claude, ChatGPT, Cursor, and any other AI client take real action" in 9,000+ apps | Included in every Zapier plan; each tool call uses two tasks |
| Arcade | An actions runtime built around per-user authorization | Free: 2,000 tool calls/mo; Team: $25/mo plus $0.01 per tool call |
If you want the integration code in your own repository instead of a hosted catalogue, Nango is the usual alternative people name.
Disclosure: Bento's agents connect to apps through Composio. The Search Console numbers we used to research this page came through that connection.
An MCP router (or MCP aggregator) puts many MCP servers behind one endpoint and one combined tool list. An MCP gateway is a router plus sign-in, access rules and audit logs. Neither comes with a catalogue of paid APIs. You bring the servers.
| Term | What it does | Example |
|---|---|---|
| MCP proxy | Forwards one client to one server, often bridging transports | Many open-source bridges |
| MCP router / aggregator | Many servers, one endpoint, routed by tool name | MCP Router desktop app |
| MCP gateway | Router plus auth, policy and audit for a team | Docker MCP Gateway (open source), agentgateway |
| MCP directory | A list of servers to find and install | Official MCP Registry, Smithery |
| LLM gateway | Routes prompts to models, not tools to vendors | OpenRouter |
| Tool router (this page) | Rents you paid APIs from many vendors on one balance | Monid, treg |
One recent change: Smithery shut down its proxy on October 31, 2026. Its hosted server URLs, API, CLI and accounts stopped working. It now stays a public directory that links straight to each vendor's own server.
Most connect as a remote MCP server, so it's one command or one settings screen. Here is what we ran in Claude Code (version 2.1.310) on November 5:
claude mcp add --transport http treg https://treg.to/mcp/
claude mcp list
# treg: https://treg.to/mcp/ (HTTP) - ! Needs authentication
"Needs authentication" is the expected next step. Inside Claude Code, run /mcp and pick the server to finish treg's OAuth sign-in. We stopped there and didn't create an account.
Watch the trailing slash. Without it (https://treg.to/mcp, the form treg's docs page shows), the health check failed with "Protected resource https://treg.to/ does not match expected https://treg.to". The slashed URL is the one in treg's llms.txt.
Monid also has a remote MCP server (https://mcp.monid.ai/v1, which we didn't test). Or you tell the agent to set up https://monid.ai/SKILL.md; it installs the CLI and asks you for an API key.
For the full per-client steps:
Check who holds the keys and who pays when a call misses. Everything else is catalogue size.
Skip it if your agent uses one or two APIs. Call them directly with your own keys, because a router adds a balance to watch and a third party in every request. Skip it too if your agent can write and run code. Often it's simpler to let the agent write code instead of wiring more tools.
And skip it if you don't want to build the agent at all. Bento isn't a router for your own agent code. It's the version where the wiring is already done.
Bento's agents work in a workspace that already browses the web, researches people and companies, and connects to "Gmail, Slack, Notion and thousands more apps" (those app connections run on Composio). You ask for the work in plain words, and the agent picks the tool. There are no per-vendor keys to collect and no separate balance to top up.
The same subscription makes the posts, videos, voiceovers and apps around that work, and Bento always picks the best AI for each job: Starter is $20 a month, Pro $50 a month and Max $200 a month, with a 7-day free trial (checked November 5, 2026). The catch: if you're shipping your own agent product, you still need a router or integration layer inside your code. See Bento's plans.
Yes. Monid (monid.ai) and treg (treg.to) both describe themselves that way: one account and one prepaid balance for thousands of paid APIs, billed per call. Both are open source, and both are new: Monid's launch posts are dated August 2026.
Not in the same sense. Composio connects an agent to apps in your own accounts, or your users' accounts, and handles OAuth. Its feature once called "Tool Router" is now called Sessions. It doesn't resell other vendors' paid data.
It's a service that sits between an AI client and several MCP servers. It exposes them as one endpoint with one combined tool list and sends each call to the right server. "MCP aggregator" means the same thing. Add sign-in, access rules and logging and it's called an MCP gateway.
No. OpenRouter routes prompts to language models from many providers. It's the model-side idea that tool routers copy, not a catalogue of third-party tools.
Most have a free start, then charge for use. On November 5, 2026: treg gave $1.00 of free credit, Composio's Hobby plan included 100,000 tool calls a month, and Arcade's free plan 2,000. Monid has no subscription; you top up a wallet from $5.
No. Smithery shut down its proxy and managed identity on October 31, 2026. It remains a public directory of MCP servers that links to each vendor's own server URL.
Posts, reels, ads, apps and games, made with the best AI. Nothing to set up.

What MCP and tools are

Adding MCP servers to Claude Code

Let the agent write code instead

Speed up client emails and renewal follow-ups with an AI drafting system that keeps communication consistent.

Reduce carrier portal rekeying with AI that extracts ACORD data and powers automated carrier submissions across portals.

Claude connectors, explained: which ones are worth adding, how to add a custom MCP connector, what data Claude can see, and what to switch off.