# Increase MCP for AI Agents AI Agent Connect > Increase MCP lets you programmatically manage a full-scale commercial US bank. Construct new bank accounts, fetch balance ledgers, map routing numbers, and fire wire limits. It's built for developers who need to turn banking into a set of API calls rather than a manual headache. ## Overview - **Category:** money-moves - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_vDFyElLrwlNGdmX84MXjoEnqzdnk59cnDDnFD4N6/ai-agent-connect - **Tags:** commercial-banking, payment-rails, ledger-management, api-banking, compliance, wire-transfers ## Description The Increase MCP connects your agent to a physical, compliant US commercial bank. Instead of jumping between dashboards to manage money, your agent can handle the heavy lifting of banking infrastructure directly. You can spin up new bank accounts as sub-ledgers, issue debit cards, and handle complex payment rails like same-day wires or standard ACH transfers. It's designed to bridge the gap between high-level logic and the actual movement of funds. If you're building a platform that needs to handle money, you can use this to map routing numbers and manage balances without building the backend yourself. It fits right into your existing stack via Vinkius, letting you toggle between production and sandbox modes to test your logic before moving real money. This means you don't have to worry about the plumbing of ledger management or the headache of securing payment rails. You can focus on the user experience while the agent handles the technical requirements of banking. Whether you need to create a temporary routing number for a specific corporate project or you need to issue a batch of virtual cards for your app users, this Connector handles it with a simple request. It takes the complexity out of financial engineering by providing a direct line to a real bank. You get the reliability of a commercial institution with the speed of a modern API. This is about moving past the limitations of mock data and getting into actual production environments where money moves, balances update, and accounts are created in real time. It makes your agent a capable financial operator rather than just a calculator. ## Tools ### increase_create_account Create a new bank account. This lets you set up separate sub-ledgers for different purposes. ### increase_create_ach Send an outbound ACH transfer. Use this to push funds to any US bank account. ### increase_create_card Issue a debit card. This creates a physical or virtual card tied to a specific account. ### increase_create_routing_number Generate routing numbers. This provides the ABA and account data needed for bank transfers. ### increase_create_wire Send a same-day wire. Use this for high-value transfers that need to move money instantly. ### increase_get_balance Get a real-time balance. This pulls the current ledger amount for a specific account. ### increase_list_cards List active cards. This lets you see all the cards you've issued to your users. ### increase_list_transactions Get transaction history. This pulls a list of all booked financial history. ### increase_list_transfers Audit outbound transfers. This lets you check the status of all money you've sent out. ### increase_simulate_inbound_ach Simulate an inbound ACH. This lets you test receiving money in a safe sandbox environment. ### increase_simulate_inbound_wire Simulate an inbound wire. This lets you test wire deposits in a sandbox before going live. ### increase_list_accounts List all accounts. This shows every sub-account currently under your banking charter. ## Prompt Examples **Prompt:** ``` I need to set up a new account for our 'Marketing Spend' and tell me the routing number. ``` **Response:** ``` I've created a new bank account for 'Marketing Spend'. Your new routing and account numbers are: **ABA: 123456789**, **Account: 987654321**. You can now use these for your outgoing payments. ``` **Prompt:** ``` Show me all the cards we've issued so far. ``` **Response:** ``` Here are the active cards currently issued under your charter: | Card ID | Type | Status | | :--- | :--- | :--- | | `card_99` | Physical | Active | | `card_102` | Virtual | Active | You have 12 active cards in total. ``` **Prompt:** ``` Simulate a $500 deposit into my test account. ``` **Response:** ``` Simulation successful. I've triggered a simulated ACH inbound of **$500.00** to your sandbox account. You should see this reflected in your test ledger now. Please check your webhooks to confirm. ``` ## Capabilities ### Spin up new bank accounts Instantly generate new live bank accounts acting as separate sub-ledgers. ### Issue debit cards Create physical or virtual debit cards tied to specific bank accounts. ### Send outbound ACH transfers Push funds to any US bank account using native payment streams. ### Execute same-day wires Move high-value funds instantly using secure US wire transfers. ### Simulate money hits Test receiving ACH or wire deposits in a safe sandbox environment. ### Fetch real-time balances Pull current ledger balances and financial history for any account. ## Use Cases ### Automating User Onboarding A BaaS startup wants to give users accounts. The agent uses `increase_create_account` to set up a sub-ledger and `increase_create_card` to issue a card immediately. ### Testing Payment Logic A developer wants to see if their webhook triggers on a deposit. They use `increase_simulate_inbound_ach` to send a fake deposit and check the response. ### Corporate Wire Management A finance team needs to move $50k to a vendor. The agent uses `increase_create_wire` to handle the high-value transfer with specific routing numbers. ### Real-time Balance Audits A dashboard developer needs to show a live balance. The agent uses `increase_get_balance` to fetch the current ledger amount every time the page refreshes. ## Benefits - You can spin up new bank accounts instantly using `increase_create_account` instead of waiting for manual bank approvals. - Move money quickly with `increase_create_wire` for same-day transfers that skip the multi-day wait of standard ACH. - Test your entire payment flow safely in a sandbox with `increase_simulate_inbound_ach` before you ever touch real money. - Get a full view of your financial history by pulling booked data through `increase_list_transactions` and `increase_list_transfers`. - Automate card management for your users by issuing and listing cards with `increase_create_card` and `increase_list_cards`. - Map out your entire banking structure by generating routing numbers with `increase_create_routing_number`. ## How It Works The bottom line is you get a production-ready bank connected to your agent in a few clicks. 1. Choose between Sandbox or Live mode in your Increase dashboard. 2. Obtain your API key from the dashboard. 3. Plug the key into Vinkius to sync the core banking network with your agent logic. ## Frequently Asked Questions **What is the Increase MCP?** It connects your AI agent to a real US commercial bank. This lets your agent perform actions like creating accounts, sending wires, and issuing cards programmatically. **Can I use this for my fintech startup?** Yes, this is built for platform builders who need to offer banking services like sub-ledgers and debit cards to their customers. **Does this support same-day wires?** Yes, you can use the wire tool to send high-value transfers that need to arrive the same day. **How do I test my deposit logic?** You can use the sandbox tools to simulate inbound ACH or wire transfers. This lets you verify your app's logic without moving real money. **Can I see my transaction history?** Yes, your agent can pull a full list of booked transactions to help you audit your financial history. **Is this for international banking?** No, this Connector is specifically for US commercial banking and domestic payment rails like ACH and wires. **Can I test money flows safely without losing real funds?** Absolutely. Increase has a top-tier sandbox environment. In your Connector settings, pass a Sandbox API Key (starting with `sk_test_`) and optionally set the environment to 'sandbox'. We even implemented literal tool overrides like `increase_simulate_inbound_ach` which are intentionally restricted exclusively to simulating inbound events on your test environment. **Does adding a new account via the Agent require paperwork?** No! Assuming your global LLC has already passed initial onboarding and your Entity object handles compliance, any subsequent programmatic calls to `increase_create_account` yield a fully compliant sub-ledger and associated numbers instantaneously contextually within the UI chat responses. **What is the difference between ACH and Wire transfer arrays here?** ACH acts through clearing houses taking normally 1-3 business days suited perfectly for non-urgent vendor mass payouts (`create_ach`). Wire transfers (`create_wire`) tie directly to Fedwire routing logic hitting banks internally within minutes - often bearing a slight static fee. Dictate which the bot should invoke based on liquidity needs. **How can I trace a specific payment?** We've added `increase_list_transactions` to handle historical booked transfers strictly by ID limits, exposing whether money cleared Fed limits safely.