How to Use the Finmo MCP in Mastra AI

Q: Does Finmo support human-in-the-loop with Mastra AI?

Yes. Enable requireToolApproval for sensitive actions like createpayout. The agent will pause and wait for your manual sign-off before proceeding.

Build resilient payment workflows in Mastra AI by automating your Finmo operations with conditional logic.

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…and any MCP-compatible client

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Connect Finmo MCP to Mastra AI

Create your Vinkius account to connect Finmo to Mastra AI 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 Mastra AI

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Perplexity

Automate complex Finmo payment flows

Chain your operations together using `create_payin` and `create_payout`. Mastra AI handles the logic, ensuring your money moves exactly when conditions are met. If a payout fails, your workflow triggers a retry or notifies your team. You define the logic once and let the agent manage the execution sequence.

Handle currency volatility with Mastra AI

Use `get_fx_rate` as a gatekeeper in your automated workflows. If the rate isn't favorable, your agent holds the transaction until the market stabilizes. This keeps your margins protected without manual oversight. The workflow engine monitors the rates and acts only when your specified thresholds are hit.

Manage virtual accounts via Mastra AI

Automate the reconciliation of your incoming funds by calling `list_virtual_accounts`. Your agent matches incoming payments to the correct customer record automatically. This reduces the manual work for your treasury team. Everything stays in sync as the server processes the lists and updates your internal state.

Setup guide

Set up Finmo MCP in Mastra AI

Prerequisites

Node.js 18+ and a TypeScript project
@mastra/mcp + @mastra/core packages
Active Vinkius subscription with a valid endpoint token

1

Install dependencies
Run npm install @mastra/mcp @mastra/core plus your preferred model provider (e.g. @ai-sdk/openai).
2

Configure the MCPClient
Create an MCPClient with your Vinkius endpoint as a URL object. Replace [YOUR_TOKEN_HERE] with your token from cloud.vinkius.com.
3

Discover and inject tools
Call mcpClient.listTools() and spread the result into your agent's tools object. All Finmo tools become native Mastra tools.
4

Run with any model
Swap openai("gpt-4o") for any AI SDK-compatible provider. Call agent.generate() and the agent routes tool calls through MCP automatically.

agent.ts

import { MCPClient } from "@mastra/mcp";
import { Agent } from "@mastra/core/agent";
import { openai } from "@ai-sdk/openai";

const mcpClient = new MCPClient({
  id: "finmo-mcp-client",
  servers: {
    "finmo-mcp": {
      url: new URL(
        "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
      ),
    },
  },
});

const agent = new Agent({
  name: "Finmo Agent",
  model: openai("gpt-4o"),
  instructions: "You have access to Finmo tools.",
  tools: {
    ...(await mcpClient.listTools()),
  },
});

const result = await agent.generate(
  "List recent Finmo transactions"
);
console.log(result.text);

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Common questions about Finmo MCP in Mastra AI

You can configure automatic retries with exponential backoff for any tool call. If `create_payout` hits a rate limit, the workflow waits and tries again.

Absolutely. You can write conditional branches based on the output of `list_wallets`. If the balance is low, the flow redirects to a funding procedure.

Yes. Enable `requireToolApproval` for sensitive actions like `create_payout`. The agent will pause and wait for your manual sign-off before proceeding.

Package your agent and the MCP server definition into your deployment pipeline. One command pushes the entire workflow to your cloud provider.

The server processes transient customer records only when you invoke the tools. We don't log your private financial data or customer PII during the execution.

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