# Celcoin BaaS & Open Finance AI Agent Connect

> Celcoin BaaS & Open Finance MCP gives your AI client direct access to Celcoin's Brazilian open finance infrastructure. You can manage BaaS accounts, check wallet balances, pull movement statements, and handle Pix or TED transfers. It handles the OAuth2 authentication and token refreshing automatically, so your agent can focus on executing financial operations.

## Overview
- **Category:** payment-processing
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_hzQEnNtAWqCj1RiBHEGiBvEOCIlo44qZCz13DXui/ai-agent-connect
- **Tags:** celcoin, pix, ted, baas, open-finance, brazil-payments

## Description

You can use this MCP to bridge your AI agent with Celcoin's Brazilian payment ecosystem. It acts as a command center for BaaS partners, allowing you to interact with Pix, TED, and wallet operations through natural language. Instead of manually navigating a dashboard, you tell your AI client to check a balance or initiate a transfer, and it handles the API calls to Celcoin. 

The MCP is pre-configured for the Celcoin sandbox environment, making it easy to test payment flows, recharges, and transfers immediately. It manages the OAuth2 client credentials flow internally, minting and refreshing bearer tokens so you don't have to worry about session timeouts. For financial institutions or BaaS operators running on Celcoin, this turns your AI agent into a functional terminal for account reconciliation, real-time status tracking, and transaction initiation.

## Tools

### check_credentials
Verifies your Celcoin connection by minting a fresh bearer token. Use this to check the current base URL, token lifetime, and decoded claims when setting up the MCP or troubleshooting auth errors.

### pix_payment_status
Tracks the live status of an outgoing Pix transaction. You can identify the specific payment using the transaction ID, client code, or end-to-end ID.

### list_accounts
Retrieves a paginated list of BaaS accounts created within a specific date range. Each record provides the account number, document number, and a balance snapshot.

### get_balance
Fetches the current balance for a specific BaaS wallet. It returns available, blocked, and total amounts for a given account or document number.

### get_statement
Provides a paginated history of wallet movements over a selected date range. Each entry includes the description, amount, date, and status of the movement.

### list_pix_keys
Lists all Pix keys registered to a specific BaaS account. This helps you find receiving keys or verify customer registrations.

### pix_payment
Initiates an outgoing Pix transfer from a BaaS account. You provide the amount, client code, and details for the sender and receiver to move money via Pix.

### ted_transfer
Triggers an interbank TED transfer for same-day settlement. It requires a BACEN finality code and details for both the debit and credit parties.

### ted_transfer_status
Checks the current status of a previously initiated TED transfer using the transaction ID or client code.

## Prompt Examples

**Prompt:** 
```
What's the available balance on account 3214?
```

**Response:** 
```
Available R$ 1,240.50, blocked R$ 0.00, and total R$ 1,240.50. Do you want to see the movement history for this wallet or check its registered Pix keys?
```

**Prompt:** 
```
What went in and out of account 3214 last week?
```

**Response:** 
```
Here is the movement history for account 3214 from 2026-09-14 to 2026-09-20: 09-15, Pix received R$ 350.00, settled; 09-16, TED sent R$ 100.00, settled; 09-18, Bill payment R$ 45.90, settled. Should I pull the next page of history?
```

**Prompt:** 
```
Send a Pix of R$ 25.50 from account 3214 to the Pix key joao@email.com, memo "lunch".
```

**Response:** 
```
I need to confirm the details before moving R$ 25.50: from BaaS account 3214, to Pix key joao@email.com, via immediate transfer, with the memo "lunch". Shall I proceed? I can track the status once it is sent.
```

## Capabilities

### Real-time Balance Checks
Your agent can instantly query available and blocked funds in any BaaS wallet.

### Transaction Tracking
The AI can monitor the live status of Pix and TED transfers to confirm settlement.

### Automated Payment Initiation
Your agent can execute outgoing Pix and TED transfers using structured payment data.

### Account Auditing
The AI can pull paginated movement statements and account lists for reconciliation.

### Key Management
Your agent can list registered Pix keys to identify receiving endpoints for customers.

## Use Cases

### Automated Reconciliation
An agent pulls movement statements to match incoming Pix payments against internal records.

### Customer Support Automation
A support agent checks the status of a pending TED or Pix transfer to answer user inquiries.

### Wallet Management
An operator monitors account balances and blocked funds across multiple BaaS accounts.

### Payment Execution
A user instructs their agent to send a specific amount via Pix to a registered key.

## Benefits

- Automates OAuth2 token management and refreshing internally.
- Reduces manual dashboard navigation by enabling natural language payment commands.
- Provides immediate access to sandbox environments for testing payment flows.
- Simplifies complex Brazilian payment logic into direct AI tool calls.

## How It Works

Connecting to Celcoin's infrastructure is a streamlined process through Vinkius.

1. Connect your preferred MCP-compatible client to Vinkius.
2. Provide your Celcoin OAuth2 credentials to the MCP.
3. The MCP automatically mints a bearer token for authentication.
4. Your AI agent begins calling tools to manage accounts and payments.

## Frequently Asked Questions

**How does the MCP handle authentication?**
The MCP uses OAuth2 client credentials to mint a bearer token. It manages the 40-minute token lifetime and automatically refreshes it if a request fails.

**Can I use this in a production environment?**
The MCP defaults to the Celcoin sandbox. Production use requires an mTLS certificate and a source-IP allowlist, which is intended for self-hosted or edge callers.

**Does this move real money?**
Yes, the pix_payment and ted_transfer tools initiate actual financial movements. Always confirm the amount, recipient, and client code before authorizing the agent.

**How do I check if a Pix payment was successful?**
You can use the pix_payment_status tool by providing the transaction ID, client code, or end-to-end ID returned during initiation.

**What is the difference between Pix and TED in this MCP?**
Pix is used for immediate or dated transfers via keys or accounts, while TED is used for interbank same-day transfers requiring a BACEN finality code.

**Where do I get the Celcoin Client ID and Secret?**
The Celcoin integration team issues them during your homologation. For testing, the Celcoin docs publish a public sandbox test pair for the bill payment, recharge or transfer products — point the base URL at the sandbox and use that pair right away.

**Sandbox or production — which base URL do I set?**
Leave the base URL empty (or set the sandbox URL) to call the sandbox, which needs no extra setup. Per Celcoin's docs, the production base URL additionally requires an mTLS certificate issued by Celcoin plus a source-IP allowlist — a hosted runner cannot provide either, so production is intended for self-hosted or edge callers that hold the certificate.

**Do pix_payment and ted_transfer actually move money?**
Yes — both initiate real BRL transfers in the connected environment (in the sandbox, against sandbox balances). The tools tell the agent to confirm the amount, parties and purpose with you before calling. Track each one afterwards with pix_payment_status or ted_transfer_status.

**What is client_finality in a TED?**
It is the BACEN finality code describing the purpose of the interbank transfer — a 6-digit code such as 010101. "99999" means no specific finality (other), in which case the free-text description becomes required and is what the receiver sees on their statement.