How to Use the Fintoc MCP in Mastra AI

Q: Can I build a multi-step Fintoc payment retry loop with Mastra AI?

Yes, you can chain createpaymentintent and getpaymentintent inside a workflow. The built-in workflow engine handles conditional branching and backoff retries if the bank API returns an error.

Q: How does the Mastra AI human-in-the-loop feature work with Fintoc?

You set requireToolApproval on sensitive tools like createpaymentintent. The agent pauses execution and waits for a manual override before initiating the bank transfer.

Build resilient financial workflows and automated bank transfers using Fintoc and Mastra AI.

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Connect Fintoc MCP to Mastra AI

Create your Vinkius account to connect Fintoc 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 Fintoc with Mastra AI

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Conditional payment workflows with Mastra AI

This MCP Server automates bank transfers using `create_payment_intent` and `get_payment_intent` inside your workflow graphs. If a payment fails, your agent automatically retries the operation or branches to a different bank link. You define these steps in code, allowing the workflow engine to handle network hiccups without crashing. The agent handles the execution logic, while Mastra manages the state transitions.

Automated multi-bank reconciliation

This integration coordinates ledger updates using `list_links`, `list_accounts`, and `list_movements` to sync external balances. Your agent runs scheduled cron jobs to pull transaction histories from all connected institutions. The framework handles the rate limits and pagination automatically. This keeps your internal ledger accurate without manual intervention or custom scheduler code.

Secure subscription checks

The server accesses active agreements using `list_subscriptions` and `get_subscription` to monitor recurring costs. Before canceling or modifying any active billing agreement, the agent prompts an operator for manual approval. You configure this barrier using the framework's native approval gate. It ensures your agent never deletes an active bank link or stops a payment without a human checking the action first.

Setup guide

Set up Fintoc 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 Fintoc 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: "fintoc-mcp-client",
  servers: {
    "fintoc-mcp": {
      url: new URL(
        "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
      ),
    },
  },
});

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

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

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Common questions about Fintoc MCP in Mastra AI

You initialize the MCP Server client with the server URL and call `listTools` to load the capabilities. Then, you spread those tools directly into your agent configuration block.

Yes, you can chain `create_payment_intent` and `get_payment_intent` inside a workflow. The built-in workflow engine handles conditional branching and backoff retries if the bank API returns an error.

You set `requireToolApproval` on sensitive tools like `create_payment_intent`. The agent pauses execution and waits for a manual override before initiating the bank transfer.

Yes, the client automatically detects whether the server uses an MCP transport like Streamable HTTP or SSE. You only need to provide the endpoint URL during initialization.

All financial credentials and account balances are processed in isolated memory spaces that terminate instantly. We never cache or inspect the payloads passing between your agent and the banking API.

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