# Dwolla MCP for AI Agents AI Agent Connect > Dwolla MCP lets you manage your payment infrastructure through an AI agent. You can create customers, link bank accounts, and move money without switching tabs. It handles the heavy lifting of ACH transfers and funding source management so you can focus on your product. ## Overview - **Category:** money-moves - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_sOjZjhmdYv5kVazzGS8H4TZFYsoFgBrTLjoZuaBv/ai-agent-connect - **Tags:** bank-transfers, ach-payments, customer-onboarding, payment-infrastructure, financial-api, fund-management ## Description This Connector gives you a direct line to your Dwolla account from your AI client. It handles the tedious parts of fintech operations, like managing customers, linking bank accounts, and initiating transfers, without you needing to navigate a complex dashboard. You can create new business users, set up funding sources, and track the lifecycle of transactions through simple conversation. Because it's part of the Vinkius catalog, you can plug it into your existing workflow to handle things like micro-deposit verification and webhook management. It turns what used to be a multi-tab manual process into a single request, letting you move money and manage records as fast as you can type. By integrating this into your workflow, you remove the friction of manual data entry. You can handle complex tasks like verifying identity through knowledge-based questions or managing batch payouts without leaving your chat interface. It provides a consistent way to interact with your payment rails, ensuring that your data remains accurate and your transactions move smoothly. You can check your account limits, retrieve specific documents for customers, or update user profiles on the fly. It is built for teams that need to move fast without sacrificing the precision required for financial data. ## Tools ### create_beneficial_owner Create a beneficial owner for a business customer. This helps you complete business onboarding requirements quickly. ### create_customer_funding_source Link a specific funding source to a customer. It makes it easy to manage multiple payment options for a single user. ### create_customer Create a new customer. This lets you register new users into your system through the AI. ### create_document Create a document for a customer. Use this to store and manage files for your users. ### get_customer Retrieve a customer. This pulls up all the specific data for a single user profile. ### get_document Retrieve a document. This lets your agent fetch specific files for a customer. ### get_event Retrieve an event. This provides details on specific webhooks or system events. ### get_funding_source Retrieve a funding source. Use this to see the details of a specific bank link. ### get_mass_payment Retrieve a mass payment. This pulls up the details of a large batch payout. ### initiate_kba Initiate a KBA session for a customer. This starts the knowledge-based authentication process. ### initiate_mass_payment Initiate a mass payment. This lets you send a batch of payments to many people at once. ### initiate_transfer Initiate a transfer. This moves money between funding sources for your customers. ### list_webhook_subscriptions List webhook subscriptions. Use this to see all your active real-time alerts. ### retry_webhook Retry a webhook. Use this to resend a failed notification to your system. ### update_funding_source Update or remove a funding source. This allows you to manage active bank links. ### verify_kba Verify KBA answers. This confirms the identity of a customer through knowledge-based auth. ### verify_micro_deposits Verify micro-deposits for a funding source. This confirms a bank account is valid. ### list_events List events. This lets you see a history of all system events. ### update_customer Update a customer. This lets you change user details like names or emails. ### create_funding_source Create a funding source. This sets up new bank accounts or balances for your system. ### create_label Create a label for a customer. This helps you categorize your users for better reporting. ### create_webhook_subscription Create a webhook subscription. Set up real-time alerts for your payment events. ### get_account Retrieve Dwolla account details. Use this to check your overall account status and limits. ### get_transfer Retrieve a transfer. This shows you the status and details of a single money movement. ### list_account_transfers List transfers for an account. This gives you a full history of money moved from an account. ### list_beneficial_owners List beneficial owners for a customer. This helps you audit business ownership details. ### list_customers List or search customers. Use this to find users or see your entire customer base. ### list_labels List labels for a customer. This helps you see how your customers are categorized. ### list_account_funding_sources List funding sources for an account. This shows all bank accounts linked to an account. ### cancel_transfer Cancel a pending transfer. Use this to stop a transaction before it completes. ## Prompt Examples **Prompt:** ``` List all my customers and show me who has a verified funding source. ``` **Response:** ``` I've retrieved your customer list. Here are the users with verified funding sources: | Customer Name | ID | Status | | :--- | :--- | :--- | | **Jane Doe** | `cust-001` | Verified | | **Acme Corp** | `cust-003` | Verified | Would you like to see the specific funding source details for either of these? ``` **Prompt:** ``` I need to initiate a transfer of $250 from source 'src_99' to 'dest_88'. ``` **Response:** ``` Transfer initiated successfully. * **Transaction ID:** `trans-789` * **Amount:** $250.00 * **Status:** `pending` I will monitor this for you. Would you like me to check the status again in a few minutes? ``` **Prompt:** ``` What's the status of the last mass payment I sent? ``` **Response:** ``` The last mass payment was processed successfully. * **Mass Payment ID:** `mp-442` * **Total Amount:** $12,450.00 * **Recipient Count:** 45 * **Status:** `completed` All 45 recipients have been notified of their successful payout. ``` ## Capabilities ### Register customers Create new personal or business profiles instantly. ### Connect funding sources Link bank accounts to specific customer profiles. ### Move money Initiate and track ACH transfers or mass payments. ### Verify accounts Handle micro-deposits and KBA sessions automatically. ### Monitor payments Get real-time status updates on pending transactions. ### Manage webhooks Set up and list subscriptions for real-time event notifications. ## Use Cases ### Onboarding a new business An ops person asks the agent to create a customer, add a beneficial owner, and link a funding source to get a new business started. ### Checking a stuck payment A developer asks the agent to list account transfers and find a specific pending transaction ID to see why it is delayed. ### Verifying a user A support agent asks the agent to verify micro-deposits for a specific funding source to unlock a feature for a customer. ### Running a payout A product manager tells the agent to initiate a mass payment for a batch of users to complete a scheduled payout. ## Benefits - Faster Onboarding: Use create_customer and create_beneficial_owner to set up new business users in seconds rather than minutes. - Automated Verification: Use verify_micro_deposits and verify_kba to confirm bank accounts and identities without manual checks. - Efficient Mass Payouts: Execute large-scale payouts using initiate_mass_payment to handle hundreds of transactions at once. - Real-time Monitoring: Use list_account_transfers and get_event to stay on top of every transaction's lifecycle in your payment rail. - Better Data Management: Quickly update records with update_customer or update_funding_source to keep your database clean and accurate. ## How It Works The bottom line is you get a conversational interface for your entire payment infrastructure. 1. Enter your Dwolla Access Token and choose your environment (sandbox or production). 2. Connect the Connector to your AI client via the Vinkius dashboard. 3. Ask your agent to perform actions like "list my recent transfers" or "create a new customer." ## Frequently Asked Questions **Can I use Dwolla MCP to manage ACH payments?** Yes, you can initiate and track ACH transfers directly through your AI agent without leaving your workspace. **How does Dwolla MCP handle customer onboarding?** It lets you create customers, assign labels, and link their bank accounts via simple text commands. **Can I verify bank accounts automatically with Dwolla MCP?** Yes, it handles micro-deposit verification and KBA sessions to ensure secure bank links for your users. **Does Dwolla MCP support mass payments?** Yes, you can use it to initiate and monitor large-scale batch payouts for your users through the agent. **Can I see my transfer history using Dwolla MCP?** Yes, you can list all transfers for an account to see every transaction's lifecycle and current status. **How do I switch between sandbox and production with Dwolla MCP?** You specify your environment in the setup, so you can test safely in sandbox before going live in production. **How do I verify a bank account using micro-deposits?** Use the `verify_micro_deposits` tool by providing the Funding Source ID and the two deposit amounts. This ensures the bank account is active and owned by the customer. **Can I create a new customer directly through the AI?** Yes! Use the `create_customer` tool with a JSON payload containing the customer's details like firstName, lastName, and email. **How can I see the history of transfers for my organization?** You can use the `list_account_transfers` tool with your Account ID to retrieve all recent and past fund movements associated with your Dwolla account.