# Swan MCP for AI Agents AI Agent Connect

> Swan MCP lets you programmatically manage European bank accounts and virtual cards. It handles SEPA transfers and card provisioning for fintechs and large companies. No more manual bank portal clicking or manual data entry for your banking operations.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_t5U11QFMgYa6dbXrwCMwJmCdFxzFGVFAaXY9Fw6i/ai-agent-connect
- **Tags:** baas, sepa-transfers, virtual-cards, financial-compliance, account-provisioning

## Description

This Connector lets you put your European banking operations on autopilot. Instead of manually logging into a dashboard to move money or issue cards, your agent handles the heavy lifting through a direct connection to Swan's banking infrastructure. You can spin up new accounts with specific IBAN formats, manage virtual Mastercards for your contractors, and execute SEPA transfers across European networks without leaving your workspace. It's built for companies that need to scale banking for thousands of users or manage complex vendor payments without the overhead of manual entry. When you connect this to Vinkius, you're essentially giving your agent the keys to a programmable neobank. You can run simulation sweeps in a sandbox or pull real-time ledger history to keep your records accurate. It turns banking from a series of manual clicks into a set of commands.

## Tools

### swan_create_sepa_transfer
Initiates a standard SEPA Credit Transfer. Move money across European borders programmatically.

### swan_get_accounts
Lists every operational Swan bank account and IBAN. Use this to audit your current holdings.

### swan_get_project_info
Fetches the core details of your connected Swan Project Node. Use it to check your connection status.

### swan_get_transactions
Retrieves the full ledger history for a specific account. This is your primary tool for auditing payments.

### swan_list_cards
Shows all physical and virtual cards in your account. Use it to see your total card inventory.

### swan_simulate_incoming_transfer
Injects fake money into a sandbox account. Use this to test your payment logic safely.

### swan_add_virtual_card
Provisions a new Mastercard Virtual Debit card. This is the fastest way to issue cards to users.

### swan_cancel_card
Permanently shuts down a specific corporate card. Use this to revoke access immediately.

### swan_create_account
Provisions a new European account under your ledger. This is how you scale bank accounts.

## Prompt Examples

**Prompt:** 
```
Check our current balance and show me the last 3 payments.
```

**Response:** 
```
### Account Summary
| Account | Balance | Status |
| :--- | :--- | :--- |
| Operating Pool FRA | **€12,450.00** | Active |
| Vendor Pool ESP | **€4,200.50** | Active |

**Recent Transactions:**
*   **€500.00** - Vendor_Alpha (Settled)
*   **€200.00** - Contractor_Beta (Settled)
*   **€150.00** - Office_Rent (Settled)
```

**Prompt:** 
```
Give our new freelancer a virtual card.
```

**Response:** 
```
I've provisioned a new Mastercard Virtual Debit card for your freelancer. 

**Card Details:**
*   **Cardholder:** Freelancer_01
*   **Card Number:** **** **** **** 4492
*   **Expiry:** 12/28
*   **Status:** Active

I've also set the monthly spending limit to €1,000.
```

**Prompt:** 
```
Move 500 EUR to the French vendor.
```

**Response:** 
```
I've initiated the SEPA Credit Transfer for you.

**Transfer Details:**
*   **Amount:** €500.00
*   **Recipient:** Vendor_France_Ltd
*   **Reference:** Invoice #9928
*   **Status:** Pending

I'll monitor the ledger and let you know once it's marked as settled.
```

## Capabilities

### Provision new European accounts
Create new bank accounts with specific IBAN formats instantly.

### Issue virtual Mastercard cards
Generate virtual debit cards for employees or contractors on the fly.

### Execute SEPA Credit Transfers
Move funds across European networks using standard SEPA protocols.

### Fetch real-time transaction history
Pull the full ledger for any account to audit payments.

### Cancel corporate cards
Shut down specific cards immediately when they are no longer needed.

### Simulate incoming transfers
Inject fake money into a sandbox environment to test your payment logic.

## Use Cases

### Automated User Onboarding
Onboarding 500 new users manually is impossible. Ask your agent to use swan_create_account to spin up accounts for every new signup automatically.

### Instant Contractor Card Issuance
Contractors keep asking for payment cards. Use swan_add_virtual_card to generate a unique Mastercard for each new contractor on the fly.

### Bulk Vendor Payments
Monthly vendor payments are a mess of copy-pasting. Have your agent parse a CSV and use swan_create_sepa_transfer to pay everyone at once.

### Real-time Payment Auditing
You need to know if a payment actually landed. Use swan_get_transactions to pull the latest ledger and confirm the funds are settled.

## Benefits

- Automate account provisioning with swan_create_account to get users onboarded in seconds rather than days.
- Issue cards instantly using swan_add_virtual_card to give contractors immediate access to funds.
- Execute bulk SEPA transfers with swan_create_sepa_transfer to handle high-volume vendor payments.
- Audit your entire financial footprint by listing accounts and cards with swan_get_accounts and swan_list_cards.
- Test your payment workflows safely in a sandbox using swan_simulate_incoming_transfer before going live.

## How It Works

The bottom line is you get a programmable banking layer that works directly with your AI client.

1. Log into your Swan Partner dashboard and create a Project Access Token.
2. Paste the token into Vinkius and set your environment to sandbox for testing.
3. Ask your agent to perform actions like creating accounts or moving funds.

## Frequently Asked Questions

**Can the Swan MCP help with European payments?**
Yes, it handles SEPA transfers directly. This allows your AI agent to move funds across European networks without you having to manually log into a banking portal.

**How do I issue cards to my team?**
You can have your agent issue virtual Mastercards on the fly. This is great for giving contractors or employees immediate access to funds without manual intervention.

**Can I test my banking flow without spending real money?**
Yes, the Connector includes a sandbox simulation tool. You can inject fake money and test your payment logic safely before going live with real funds.

**Does this work for multiple IBANs?**
Yes, it manages your entire ledger. Your agent can list all operational accounts and pull transaction history for any specific IBAN you have connected.

**Is this for personal banking?**
No, this is a professional tool designed for corporate orchestrators and fintechs. It's built for managing company ledgers, vendor payments, and fleet card issuance.

**How do I see my transaction history?**
Your agent can pull the full ledger for any account. It will retrieve the history of deposits, withdrawals, and transfers directly from the banking infrastructure.

**Are actions simulated or operating live on real Ledgers?**
If you inject your core Project Access Token with full production permissions and leave the `env` string off `sandbox`, yes! It executes heavy Core Banking GraphQL mutations that immediately provision legally compliant EU ledgers behind the scenes.

**Can the AI Agent manage physical or virtual credit cards?**
Yes. Via `swan_add_virtual_card` and `swan_cancel_card` the LLM has complete programmatic control over debit and spend cards mapped to underlying accounts.

**Does the system support sandbox incoming money simulation?**
Yes! We expose the `swan_simulate_incoming_transfer` specifically so you can test your programmatic workflows in SandBox by pushing fake money into target ledgers.