Finmo MCP. Manage global payouts, pay-ins, and wallets directly.
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Finmo MCP Server manages global pay-ins, payouts, and multi-currency wallets using your AI agent. It gives your client direct access to treasury functions, letting you list wallets, check real-time FX rates, create payouts to beneficiaries, and monitor transaction status across borders.
Manage liquidity and payments without jumping between banking portals.
What your AI agents can do
Create customer
Creates a new customer record in your system.
Create payin
Initiates a new pay-in transaction for incoming funds.
Create payout
Sends money as a new payout to a beneficiary.
Use list_wallets to get a real-time overview of all active organization wallets and their balances across multiple currencies.
Use create_payout to manage disbursements globally and send funds to verified beneficiaries.
Use create_payin to initiate pay-ins by listing available local collection methods and setting up the transaction.
Use get_fx_rate to fetch live foreign exchange quotes needed for international transfers.
Use list_customers and create_customer to maintain and query your organization's customer database.
Use list_payouts or list_payins to track the status of past and pending financial transactions.
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Supported MCP Clients
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Finmo MCP Server: 12 Tools for Global Finance
These tools let your AI agent interact with the Finmo API to manage everything from customer records to complex cross-border payouts.
019d7599create customer
Creates a new customer record in your system.
019d7599create payin
Initiates a new pay-in transaction for incoming funds.
019d7599create payout
Sends money as a new payout to a beneficiary.
019d7599get fx rate
Retrieves the current foreign exchange rate between two currencies.
019d7599list beneficiaries
Shows a list of verified payout recipients.
019d7599list customers
Retrieves a list of all customer records.
019d7599list payin methods
Lists all available methods for receiving funds in a specific region.
019d7599list payins
Gets a list of all recorded incoming payments.
019d7599list payouts
Gets a list of all recorded outgoing payments.
019d7599list refunds
Retrieves a list of historical or pending refunds.
019d7599list virtual accounts
Retrieves a list of virtual bank accounts for reconciliation.
019d7599list wallets
Gets a list of all organization wallets and their current balances.
Choose How to Get Started
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Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
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- Works with Claude, ChatGPT, Cursor, and more
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What you can do with this MCP connector
Finmo MCP Server: Global Treasury Management
This server gives your AI client direct access to Finmo's global payment and wallet functions. You can manage multi-currency liquidity and cross-border payments without switching between banking portals.
Managing Funds and Wallets
Use list_wallets to get a real-time look at all your organization's wallets and their current balances across multiple currencies. You can also check the current foreign exchange rate between any two currencies using get_fx_rate, which is crucial when you're planning international transfers. To process incoming funds, you'll use list_payin_methods to see local collection options in a region before running create_payin to start a new pay-in transaction.
For outgoing money, you can run list_beneficiaries to see who's already set up as a payout recipient, then use create_payout to send money to them globally. You can also track all past and pending outgoing payments with list_payouts, or monitor all incoming payments by checking list_payins. To keep tabs on refunds, you'll check list_refunds, and for reconciliation, you can pull a list of virtual bank accounts using list_virtual_accounts.
Managing People and Records
To keep your customer data current, you can run list_customers to see all existing records, or use create_customer to add a new one. You'll manage your payments by getting a list of all recorded incoming payments using list_payins, or checking the list of all outgoing payments with list_payouts. You can also pull a list of all available organization wallets using list_wallets to manage your funds.
You'll need to know who you're sending money to, so you can use list_beneficiaries to see verified payout recipients before running create_payout to send the money. You can also get a list of all customer records using list_customers and add new ones with create_customer.
How Finmo MCP Works
- 1 Subscribe to the Finmo MCP Server on the Vinkius Marketplace and input your Finmo Access Key and Secret Key.
- 2 Your AI client connects to the server, giving it access to global payment tools.
- 3 You prompt your agent with a financial task (e.g., 'Send 500 USD to John Doe'), and the agent executes the necessary tool calls sequentially to complete the operation.
The bottom line is that your AI agent handles the API calls and state management, letting you manage global payments without leaving your chat interface.
Who Is Finmo MCP For?
Finance Operations Managers and Treasury Analysts. If your job involves reconciling funds across multiple currencies or initiating payouts to global vendors, this server cuts out the portal switching. It puts the whole treasury stack—wallets, pay-ins, FX rates—right in your chat window.
Manages daily global liquidity checks, verifying balances using list_wallets and initiating cross-border payouts using create_payout.
Needs to compare current balances with historical data, checking list_payins and fetching live rates with get_fx_rate to model future liquidity.
Integrates payment logic into internal tools, using list_virtual_accounts to streamline user fund flows and tracking list_refunds.
What Changes When You Connect
- See your total liquidity at a glance.
list_walletsshows current balances across all organization wallets, letting you know exactly how much money you have in every currency. - Send money globally without switching apps.
create_payouthandles the full disbursement process to verified beneficiaries, regardless of where they are. - Know how to get paid anywhere.
list_payin_methodslists local collection options for any country, so you can set up pay-ins from any source. - Keep track of every dollar. You can
list_payoutsandlist_payinsto get a full history of transactions, making auditing simple. - Convert currency instantly.
get_fx_rateprovides live foreign exchange quotes, so you can make decisions on currency conversions on the fly. - Keep records clean. Use
list_virtual_accountsto manage virtual accounts, which helps streamline reconciliation and local payment acceptance.
Real-World Use Cases
Vendor needs a payment today
The Ops Manager needs to pay a vendor in Nigeria. They prompt their agent: 'Send $500 USD to Vendor X.' The agent first uses get_fx_rate for the NGN rate, then calls create_payout to execute the transfer, and finally uses list_payouts to confirm the status.
Tracking funds from a new market
The Finance Analyst is onboarding a new partner in Brazil. They ask the agent to 'Show me pay-in options for Brazil.' The agent uses list_payin_methods to provide a list of local options (e.g., PIX, bank transfer), helping the analyst confirm the best collection path.
Checking overall fund health
The Treasurer needs a quick view of the company's cash position. They prompt: 'What are our current balances?' The agent runs list_wallets and immediately shows the balance for every currency and wallet type.
Investigating a delayed payment
A developer notices a payment is stuck. They ask the agent to 'Check the status of the payment to Jane Doe.' The agent runs list_payouts and can also check list_refunds to see if a refund was initiated, resolving the issue without manual portal checks.
The Tradeoffs
Manual portal switching
Logging into the bank portal, then opening the finance ledger, then opening the beneficiary list, and copying IDs between three different sites just to start a payout.
→
You let your AI agent do the work. Instead of switching sites, ask your agent to 'Send $100 to John Doe.' The agent handles listing beneficiaries with list_beneficiaries, checking balances with list_wallets, and finally running create_payout in one flow.
Ignoring FX rates
Calculating a payout based on the rate you saw last week, only to find the actual cost is significantly different when the payout is initiated.
→
Always ask the agent to get_fx_rate first. This pulls the live quote, ensuring your payout amount is accurate for the current market, minimizing financial risk.
Assuming all data is current
Trying to process a pay-in using old customer data, resulting in failed transactions because the beneficiary ID was already updated or deleted.
→
Always start by running list_customers or list_beneficiaries to verify the data in your system before trying to create a new record or send money.
When It Fits, When It Doesn't
Use this server if your process relies on coordinating multiple financial steps: checking balances (list_wallets), fetching live rates (get_fx_rate), and executing transactions (create_payout). It's perfect for automated, multi-step workflows.
Don't use this if you only need to view a single, static report (e.g., 'I just need a list of all customers'). For simple read-only queries, basic database connectors might suffice. However, if that read-only query needs to trigger a follow-up action (like checking a payout status), this server is required. If you only need to check a simple balance, list_wallets is the direct tool you need.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Finmo. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This server provides 12 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Checking global balances and transaction history is a mess of tabs and logins.
Right now, checking your global cash position means logging into the banking portal, then opening the ledger, and then cross-referencing the payment system. You copy-paste IDs, you jump between tabs, and you waste ten minutes just confirming if the money moved.
With Finmo MCP, you just ask your agent: 'What's our total liquidity?' The agent runs `list_wallets` and gives you a single, real-time summary of balances across every currency and wallet you manage. It's immediate.
Finmo MCP Server: Execute global payouts and pay-ins.
Before, initiating a cross-border payout required verifying the beneficiary in a separate tool, getting the current exchange rate, and then finally running the payout command—all while managing multiple forms and error codes.
Now, your agent handles the entire sequence. You tell it the outcome ('Pay $500 to John'), and it manages the calls to `get_fx_rate`, `list_beneficiaries`, and `create_payout` to guarantee the transaction is processed correctly. The complexity disappears.
Common Questions About Finmo MCP
How does the Finmo MCP Server handle multi-currency transactions? +
It manages multi-currency liquidity directly. The list_wallets tool shows balances across different currencies, and the get_fx_rate tool ensures any conversion needed for a payout is based on live market rates.
Can I use the Finmo MCP Server to check transaction status? +
Yes. You can run list_payouts or list_payins to track the status of past and pending transactions, keeping your records accurate.
What is the difference between `list_customers` and `list_beneficiaries`? +
While both list people, list_customers shows your internal customer database. list_beneficiaries specifically lists the verified recipients approved for payouts.
What tools do I need to start sending money? +
You need to know the recipient's details. Use list_beneficiaries to verify them, and then create_payout to send the funds.
How do I check the current status of my wallets using `list_wallets`? +
The list_wallets tool provides a real-time overview of all organization wallets. It returns the current balance and currency for each active account, helping you track overall liquidity.
What information does `get_fx_rate` provide for international payments? +
The get_fx_rate tool fetches live foreign exchange quotes. It gives you the precise conversion rate for a specified amount and currency pair, which is vital for accurate cross-border transfers.
If I need to list historical payments, should I use `list_refunds` or `list_payouts`? +
Use list_refunds to track returned funds, and list_payouts for payments that were successfully initiated. Both tools allow you to review the status and details of past transactions.
What is the difference between `create_customer` and `create_payin`? +
The create_customer tool establishes a new user profile within your system. The create_payin tool, conversely, initiates the receipt of funds into your organization's accounts.
How can I check which local payment methods are supported in a specific country? +
Use the 'list_payin_methods' tool and provide the ISO country code (e.g., 'SG' for Singapore or 'TH' for Thailand). The agent will return a list of available collection methods for that region.
Is it possible to get a live exchange rate before converting funds? +
Yes! The 'get_fx_rate' tool allows you to request a real-time quote by specifying the sell currency, buy currency, and the amount you wish to convert.
Can I see all my wallet balances at once? +
Absolutely. By using the 'list_wallets' tool, the agent will retrieve all organizational wallets, showing the balance and currency for each, providing a clear snapshot of your liquidity.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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