How to Use the Finmo MCP in LangChain

Run multi-step global payment and FX chains by connecting this Finmo MCP Server to your LangChain agents.

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Connect Finmo MCP to LangChain

Create your Vinkius account to connect Finmo to LangChain and route execution through our secure gateway. The platform manages server hosting, runtime updates, and security layers. Configuration requires no manual server provisioning.

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Setup Finmo with LangChain

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ChatGPT

Claude

Perplexity

Chain FX rates directly into payouts with LangChain

The `get_fx_rate` tool fetches real-time conversion rates so your LangChain agent can calculate exact payout amounts on the fly. Your agent takes the output of this rate check and pipes it directly into `create_payout` without manual math or API glue code. LangSmith tracks every step of this multi-tool sequence. You see the exact rate payload from the server and the resulting payout ID in your execution logs, making debugging transfer failures straightforward.

Automate customer pay-in verification loops

The `list_payins` tool retrieves recent incoming transactions to verify customer payments automatically. Your LangChain agent can compare these records against active invoices and trigger `create_customer` when a new merchant signs up. Because LangChain handles state through stateless MCP server adapters, you can run these verification loops on a cron job. The agent checks the pay-in status, matches it with `list_payin_methods`, and updates your database in a single run.

Manage multi-currency treasury operations

The `list_wallets` tool exposes your current balances across global currencies to your LangChain decision chains. The agent checks these balances before invoking `create_payout` to ensure you actually have the liquidity in the destination currency. If a wallet is low, the chain branches to look up virtual details using `list_virtual_accounts` to request a top-up. This keeps your treasury operations running without manual bank portal logins.

Setup guide

Set up Finmo MCP in LangChain

Prerequisites

Python 3.10+ installed
langchain-mcp-adapters + langgraph packages
Active Vinkius subscription with a valid endpoint token

1

Install dependencies
Run pip install langchain-mcp-adapters langgraph langchain-openai. The MCP adapters package converts MCP tools into native LangChain BaseTool objects.
2

Connect via HTTP transport
Use MultiServerMCPClient with "transport": "http" pointing to your Vinkius endpoint. Replace [YOUR_TOKEN_HERE] with your token from cloud.vinkius.com.
3

Create a ReAct agent
Pass the discovered tools to create_react_agent() from LangGraph. The agent automatically routes Finmo tool calls through the MCP protocol.
4

Run with any LLM
Swap ChatOpenAI for ChatAnthropic, ChatGoogleGenerativeAI, or any LangChain-compatible model. The MCP tools work identically across all providers.

agent.py

from langchain_mcp_adapters.client import MultiServerMCPClient
from langgraph.prebuilt import create_react_agent
from langchain_openai import ChatOpenAI

async with MultiServerMCPClient({
    "finmo-mcp": {
        "transport": "http",
        "url": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp",
    }
}) as client:
    tools = client.get_tools()

    agent = create_react_agent(
        ChatOpenAI(model="gpt-4o"),
        tools,
    )
    result = await agent.ainvoke({
        "messages": "List recent Finmo transactions"
    })
    print(result["messages"][-1].content)

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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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Common questions about Finmo MCP in LangChain

Look, you don't pass raw API credentials to LangChain. Vinkius manages the auth token securely, meaning your LangChain setup only needs the single MCP Server endpoint URL to call tools like `list_wallets` or `create_payout`.

Yes, that is how this setup is designed to work. Your LangChain agent calls `get_fx_rate` first, parses the real-time rate, and passes that exact value as a parameter to the `create_payout` tool in the next step of the chain.

LangChain catches the API error directly from the Finmo MCP Server execution block. The agent can read the failure details from the payload, check `list_payin_methods` to see if a different rail is available, or alert your team.

You restrict tool access during initialization on Vinkius before your LangChain agent connects to the MCP Server. If you only want the agent to read data, you can expose `list_customers` and `list_payins` while blocking payout creation tools entirely.

Your sensitive transaction records, customer names, and bank details are processed inside an ephemeral V8 sandbox. Vinkius runs the execution in a zero-trust environment, so no financial data is stored or logged after the tool execution finishes.

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