# ClearBank MCP for AI Agents AI Agent Connect > ClearBank lets your AI client handle UK payment clearing and high-value wire transfers. It manages B2B account provisioning, FPS and CHAPS payments, and real-time status tracking with full RSA digital signature encryption. This Connector gives you the ability to move money across UK and European rails securely while your agent handles the cryptographic heavy lifting. It is built for high-volume commercial transactions. ## Overview - **Category:** money-moves - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_hStE9b3niSe3ZLKNFKo3dPufKKgkqxDdo7U474Aq/ai-agent-connect - **Tags:** clearing-bank, digital-signatures, api-banking, financial-infrastructure, b2b-payments, rsa-encryption ## Description ClearBank gives your AI client the ability to execute secure UK and European payment instructions natively. You need a way for your agent to move money without you having to manually sign every single request or navigate a clunky banking dashboard. This Connector bridges that gap by letting your AI client interact with UK payment rails directly. It handles the heavy lifting of digital signatures behind the scenes, so when you ask your agent to move funds or check a balance, it happens securely through the ClearBank infrastructure. Instead of copy-pasting account details or refreshing a page to see if a payment cleared, you just tell your agent what to do. It is built for people who need high-volume, reliable B2B transactions that actually move. By using this on the Vinkius marketplace, you get a secure way to automate payroll, contractor payments, and treasury management without sacrificing security. It treats your banking instructions like production-grade code, ensuring every transaction follows the strict rules of the Bank of England and UK clearing systems. This means you can scale your financial operations without adding more manual steps to your day. You get a direct line to the clearing network that respects your security requirements while giving your agent the freedom to act on your behalf. ## Tools ### clearbank_create_chaps_payment ClearBank initiates a CHAPS high-value wire transfer through the Bank of England. This is the standard way to move large sums of money with finality. ### clearbank_create_faster_payment ClearBank sends an instant UK Faster Payment to an external sort code and account number. It moves your funds in seconds for urgent needs. ### clearbank_get_account_balances ClearBank retrieves live settled and cleared balances for a specific account. You can use this to check your current liquidity instantly. ### clearbank_get_payment_status ClearBank checks the settlement status of a Faster Payment or CHAPS instruction. Use this to verify that a payment has reached its destination. ### clearbank_get_transactions ClearBank pulls the transaction history for a specific account. It helps you audit past movements or reconcile your records quickly. ### clearbank_suspend_account ClearBank immediately freezes a ClearBank account to stop all inbound and outbound transfers. This is your primary tool for halting suspicious activity. ### clearbank_create_account ClearBank provisions a new UK banking account on the clearing network. This allows you to set up new B2B ledgers without manual paperwork. ### clearbank_get_accounts ClearBank lists all accounts on the institutional ledger. This provides a full overview of your banking structure in one command. ## Prompt Examples **Prompt:** ``` Check our main UK sub-account. View the balances mapped onto it to find liquid limits. ``` **Response:** ``` I've pulled the data from your main UK sub-account. Here is the current liquidity: | Account | Status | Balance | | :--- | :--- | :--- | | ACC-12 | Settled | £45,000.00 | | ACC-15 | Pending | £12,000.00 | Your pool shows a high liquid GBP availability with 0 reserves held. ``` **Prompt:** ``` Initialize an FPS transfer. Send £1,500 from Account 'ACC-12' natively to sort code '404040' account '12341234'. ``` **Response:** ``` I've initiated that Faster Payment for you. The £1,500 has been sent from Account 'ACC-12' to the target account. I'll monitor the status to ensure it clears. **Transfer Details:** * **Amount:** £1,500.00 * **Destination:** 404040 / 12341234 * **Status:** Processing ``` **Prompt:** ``` Suspend suspicious account ID ACC-99 via API. ``` **Response:** ``` Done. I've updated the status of account ACC-99 to 'Suspended'. All inbound and outbound transfers are now frozen. I've noted the reason for the compliance audit trail as requested. ``` ## Capabilities ### Create new UK banking accounts Provision new B2B accounts on the ClearBank network with a single command. ### Check live account balances Retrieve real-time settled and cleared balances for any specific account. ### List institutional accounts View your entire ledger of accounts across the ClearBank network. ### Pull transaction histories Fetch detailed history for any account to audit movements or reconcile books. ### Send instant Faster Payments Move funds to external UK accounts in seconds using the Faster Payment rail. ### Execute high-value CHAPS transfers Initiate large wire transfers through the Bank of England settlement system. ### Freeze accounts for compliance Immediately halt all inbound and outbound transfers on a specific account. ### Track real-time payment status Check the current clearing state of any Faster Payment or CHAPS instruction. ## Use Cases ### BaaS Platform Onboarding A fintech startup uses the agent to create new UK accounts for their clients automatically as they sign up, using clearbank_create_account. ### Treasury Liquidity Review A CFO asks the agent to check all balances across 50 accounts to find liquid funds for a pending acquisition using clearbank_get_account_balances. ### Automated Contractor Payroll A business owner tells the agent to send 10 different payments via Faster Payments every Friday using clearbank_create_faster_payment. ### Rapid Fraud Response A security team identifies a stolen account and tells the agent to freeze it immediately to stop unauthorized transfers using clearbank_suspend_account. ## Benefits - Automate account provisioning with clearbank_create_account to save hours of manual B2B setup. - Get real-time liquidity visibility using clearbank_get_account_balances without leaving your chat. - Move money in seconds for urgent contractor needs via clearbank_create_faster_payment. - Execute large corporate settlements with finality using clearbank_create_chaps_payment. - Stop fraud instantly by freezing accounts with clearbank_suspend_account. - Simplify your audits by pulling full histories with clearbank_get_transactions. ## How It Works The bottom line is you get a secure, programmatic bridge to UK clearing rails without handling the underlying cryptography. 1. Export your RSA .pem private key from your ClearBank institution profile. 2. Add the key to your environment as CLEARBANK_PRIVATE_KEY. 3. Give your agent commands to move funds, check balances, or provision accounts. ## Frequently Asked Questions **Can ClearBank MCP handle large corporate wire transfers?** Yes, it supports CHAPS for high-value transfers that require immediate finality through the Bank of England settlement system. **Is it safe to let an AI agent move money with ClearBank MCP?** The Connector uses RSA-SHA256 digital signatures to authenticate every request, ensuring only authorized instructions reach the clearing network. **Can I use ClearBank MCP for my payroll system?** It is great for that. You can automate contractor payments using the Faster Payment rails for near-instant settlement. **How does ClearBank MCP handle account security?** You can instantly freeze any account using the suspension tool to prevent fraud, which is ideal for security teams. **Does ClearBank MCP support multi-layered B2B structures?** Yes, it allows you to manage and provision nested account ledgers for complex business setups. **How do I know if a payment actually cleared?** You can ask your agent to check the real-time status of any Faster Payment or CHAPS instruction at any time. **ClearBank requires complex Body RSA Signatures, how does the prompt handle that?** We handle that completely in the background Engine! The Vinkius runtime grabs your static RSA Private Key from configurations. Every payload created by the Language Model is injected into the Hash, signed, base64 encoded and attached to the HTTP header automatically. **Can the AI Agent manage BACS/CHAPS limits inside ClearBank?** Yes! The core tools natively target both low-latency FPS (Faster Payments) and massive-liquidity CHAPS protocols natively exposed via ClearBank clearing ledgers. **Are Virtual Accounts actively provisioned by the Agent?** The tool `clearbank_create_account` pushes an instant request spinning up a routing footprint with its own independent balance ledgers.