# Modulr MCP for AI Agents AI Agent Connect > Modulr MCP handles high-security European and British payment rails. It lets your AI client execute HMAC-secured payments, manage B2B customer structures, and audit internal ledgers without you having to manually handle cryptographic nonces or complex clearing paths. ## Overview - **Category:** money-moves - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_WRxtlc97KyagsLzsUhZn7lfsGLf3z1JuiSPK7ZSm/ai-agent-connect - **Tags:** embedded-finance, api-payments, hmac-security, b2b-payments, ledger-management, financial-infrastructure ## Description The Modulr MCP bridges the gap between your AI agent and complex European payment infrastructure. Instead of manually juggling API keys and worrying about HMAC signatures for every transaction, you can just tell your agent to move money or set up new accounts. It handles the heavy lifting of the Modulr Finance rails, letting you manage multi-layered B2B structures and automated payroll runs through a simple chat interface. If you're trying to scale a lending startup or manage a massive contractor payout, this takes the friction out of the money moves side of your stack. You can check payment statuses in real time or audit transaction histories across different accounts without leaving your workspace. Because Vinkius hosts this Connector, you get a reliable way to plug these secure payment tools into your existing AI workflow, making it easy to move from checking a dashboard to executing a strategy. ## Tools ### modulr_create_account Instantiate a new UK or EU account under a specific customer. Use this to scale your ledger management. ### modulr_create_beneficiary Map an external recipient to a beneficiary name or IBAN. This saves time by pre-registering payment targets. ### modulr_create_payment Trigger an outgoing Faster Payment or SEPA payout. Use this to move funds to any registered beneficiary. ### modulr_get_accounts List all live accounts and their current liquidity. It gives you a clear view of your available funds. ### modulr_get_customers List the legal entities and customers inside your Modulr setup. It helps you keep track of your B2B structure. ### modulr_get_transactions Audit the transaction history for a specific account. Use this to find specific failed payments or settlements. ### modulr_list_payments Check the status of large payment arrays. This is perfect for monitoring batch payouts for errors. ## Prompt Examples **Prompt:** ``` Check our main UK sub-account. View the history array mapped onto it to find pending activity. ``` **Response:** ``` ### Account Activity Report **Account:** UK-SUB-01 **Status:** Active I've pulled the latest transactions for this account. Here is the current activity: | Date | Type | Amount | Status | | :--- | :--- | :--- | :--- | | Oct 24 | Faster Payment | £1,200.00 | **Settled** | | Oct 25 | Faster Payment | £450.00 | **Pending** | | Oct 25 | Faster Payment | £300.00 | **Pending** | There are currently 2 pending transfers reflecting cleared routes to standard banks. ``` **Prompt:** ``` Initialize a payment stream. Register a Beneficiary named 'DevTeam' pointing to target Sort Code 123456 Acct 98765432. Send £5,000 from Account 'A110' natively. ``` **Response:** ``` ### Payment Execution Successful **Action:** New Beneficiary Registered & Payment Sent **Beneficiary:** DevTeam **Target Details:** Sort Code 123456 | Acct 98765432 **Amount:** £5,000.00 **Source Account:** A110 ✅ The beneficiary has been successfully populated in your dashboard. The £5,000 liquid push has been routed through the Faster Payment nodes. ``` **Prompt:** ``` Scan our Modulr operational Customers and list the active instances returning metadata boundaries. ``` **Response:** ``` ### Customer Instance Audit I've scanned your active Modulr customer entities. Here is the primary instance: * **Customer ID:** C11XXXX * **Status:** Active * **Limits:** Available * **Region:** UK/EU All metadata boundaries are valid and the account is ready for transaction initiation. ``` ## Capabilities ### Create new UK or EU bank accounts Instantiate new accounts for your customers under specific legal entities. ### Trigger Faster Payment or SEPA payouts Send money to recipients across Europe and the UK automatically. ### Audit transaction histories Review the full history of a specific account to find pending or failed moves. ### Map external recipients Save beneficiary details like IBANs or Sort Codes for faster future payments. ### Check payment array status Monitor large batches of payments to see which ones cleared or failed. ### List live accounts and liquidity Get a bird's eye view of all active accounts and their current balances. ### Identify legal entities List and manage the underlying customers inside your Modulr setup. ## Use Cases ### Automating Contractor Payouts A founder wants to pay 50 developers. They ask their agent to use modulr_create_payment to send the funds via SEPA to everyone on the list. ### Rapid Lending Onboarding A new customer signs a loan. The startup tells the agent to use modulr_create_account to set up their UK ledger immediately. ### Batch Payment Monitoring An ops manager needs to know if the morning's payroll cleared. They ask the agent to use modulr_list_payments to check the batch status. ### Audit Trail Investigation An accountant spots a discrepancy. They ask the agent to use modulr_get_transactions to pull the full history for a specific sub-account. ## Benefits - Automate payroll: Use modulr_create_payment to send contractor funds without manual data entry or repeated logins. - Audit with ease: Use modulr_get_transactions to see exactly what happened in an account in seconds. - Scale B2B structures: Use modulr_create_account to provision new ledgers for new clients instantly. - Real-time tracking: Use modulr_list_payments to monitor massive payment batches for errors or successes. - Secureer auth: The Connector handles HMAC nonces and timestamps automatically so you don't have to worry about the crypto. - Instant liquidity view: Use modulr_get_accounts to see your balance across all regions in one glance. ## How It Works The bottom line is you get to move money and manage ledgers using plain English commands instead of manual API calls. 1. Grab your API Key Profile and Secret Hash from the Modulr Finance dashboard. 2. Connect the Connector to your AI client via the Vinkius platform. 3. Give your agent a command like 'Pay the dev team £5,000' to trigger the secure HMAC handshake. ## Frequently Asked Questions **Can the Modulr MCP handle both SEPA and Faster Payments?** Yes, it handles both. You can use your agent to trigger outgoing payments across European and British rails using the same interface. **Does Modulr MCP manage my API security for me?** Yes, it handles the heavy lifting. The Connector automatically applies the necessary cryptographic hashes and nonces for every transaction so you don't have to manage them manually. **How does Modulr MCP help with B2B ledger management?** It allows your agent to provision new accounts and map them to specific customers. This makes it easy to manage complex, nested corporate structures without manual data entry. **Can I use Modulr MCP to audit failed payments?** Absolutely. You can ask your agent to check the status of large payment arrays or look into the transaction history of a specific account to see why a move failed. **Is Modulr MCP suitable for a lending startup?** It's a great fit. It helps you validate funds and instantiate new customer accounts instantly, which is critical for fast-moving lending environments. **What happens to my API keys when I connect Modulr MCP?** Your keys are handled securely. The Connector uses your secret hash to authenticate with the payment rails without exposing it in your chat history. **Modulr requires complex timestamped HMAC API Signatures, how does the prompt handle that?** We handle that completely in the background Engine! The Vinkius runtime grabs your static API Secret from configurations once. Then, every time the Language Model triggers a payment, our Node.js runtime creates random cryptographic hex Nonces, aligns current UTC Date limits, hashes the combination uniquely via SHA-256 and packs it into the underlying header dynamically natively. **Can the Agent generate new SEPA/UK Accounts?** Yes, using `modulr_create_account`, you can spawn multiple isolated UK GBP ledgers natively linked to customers. **Are cross-border Faster Payments supported natively?** Absolutely. You can inject external sorts codes inside the `modulr_create_payment` orchestrations delivering funds transparently via clearing houses.