Increase MCP. Programmatic US Banking: Accounts, Transfers, Ledgers
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Increase MCP Server connects your AI client to a full-stack, compliant US commercial bank for programmatic money moves. You can build new accounts, map routing numbers, fetch real-time balances, and execute ACH or wire transfers directly from your agent.
This is your source for structured banking data and transactions.
What your AI agents can do
Increase create account
Creates a new, isolated bank account programmatically.
Increase create ach
Pushes an outbound ACH transfer to any US bank.
Increase create card
Issues a physical or virtual debit card attached to an account.
The agent can instantly create new bank accounts and generate compliant routing numbers for dedicated financial purposes.
The agent pushes outbound ACH transfers to any US bank using native American payment rails.
The agent sends high-value, same-day US Wire transfers directly from the connected account.
The agent fetches the current ledger balance for any specific, active account ID.
The agent lists all sub-accounts under the charter or sweeps the array of active issued cards for inventory checks.
The agent runs sandbox simulations to test receiving inbound ACH or wire payments without affecting live funds.
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Supported MCP Clients
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Increase MCP Server: 12 Tools for Money Moves
Use these 12 tools to manage the full lifecycle of money, from generating account numbers to executing complex, auditable transfers across US banking rails.
019d75b9increase create account
Creates a new, isolated bank account programmatically.
019d75b9increase create ach
Pushes an outbound ACH transfer to any US bank.
019d75b9increase create card
Issues a physical or virtual debit card attached to an account.
019d75b9increase create routing number
Generates new ABA routing and account number data.
019d75b9increase create wire
Sends a same-day US Wire transfer.
019d75b9increase get balance
Fetches the real-time ledger balance for a specific account.
019d75b9increase list accounts
Lists all sub-accounts under the connected charter.
019d75b9increase list cards
Retrieves the active array of issued cards.
019d75b9increase list transactions
Extracts the booked financial history for an account.
019d75b9increase list transfers
Retrieves an audit log of all outbound transfers.
019d75b9increase simulate inbound ach
Simulates receiving an ACH inbound payment (Sandbox only).
019d75b9increase simulate inbound wire
Simulates receiving a Wire inbound payment (Sandbox only).
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
- Create Agent Skills with progressive disclosure
- Deploy to edge with MCPFusion framework
- Built in DLP, auth, and compliance on every call
- Real time usage dashboard and cost metering
- Publish to catalog or keep private
Make Your AI Do More
Start with Increase, then connect any of our 4,700+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 4,700+ others, all in one place
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- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog every week
What you can do with this MCP connector
This MCP Server connects your AI client to a full-stack, compliant US commercial bank, letting your agent actually move money. You ain't just reading data here; you're doing transactions. You can build accounts, map routing numbers, check balances in real-time, and execute ACH or wire transfers right from your agent.
This is where you get structured banking data and the ability to act on it.
To get started, your agent can run increase_create_account to spin up a brand new, isolated bank account. You can also generate new ABA routing and account numbers using increase_create_routing_number for dedicated financial purposes. When you're ready to move cash, your agent can push outbound ACH transfers to any US bank using increase_create_ach or send high-value, same-day US Wire transfers with increase_create_wire.
You can also issue a physical or virtual debit card attached to an account using increase_create_card.
Need to know what's happening with the money? Your agent can fetch the real-time ledger balance for any specific, active account ID with increase_get_balance. You can list all sub-accounts under the connected charter using increase_list_accounts, and you can check the array of active issued cards with increase_list_cards. If you wanna see the history, your agent pulls the booked financial history for an account using increase_list_transactions, or you can get an audit log of all outbound transfers with increase_list_transfers.
You can also check the full booked financial history for an account using increase_list_transactions and get an audit log of all outbound transfers with increase_list_transfers.
If you're testing out a flow, your agent can run sandbox simulations to test receiving money. It'll simulate receiving an ACH inbound payment with increase_simulate_inbound_ach or a Wire inbound payment with increase_simulate_inbound_wire. This lets you model incoming payments without messing with live funds.
How Increase MCP Works
- 1 In the Increase dashboard, determine if the operation runs in Development (Sandbox) or Live (Production) mode.
- 2 Obtain an API Key (
sk_testorsk_prod) and plug it into Vinkius to sync the core network with your agent's logic. - 3 Call the required tool (e.g.,
increase_create_ach) and provide the specific account IDs and payment parameters.
The bottom line is, you connect the agent's logic to a live financial backbone, letting it execute complex money transfers and data reads as if it were running in-house.
Who Is Increase MCP For?
This is for the Financial Operations Engineer or the Platform Architect building services that require verifiable money movement. If your job involves integrating payment rails, managing ledger state, or creating internal software that orchestrates money mapping, this is your tool. It handles the compliance layer, letting your AI client focus on the business logic.
Designs and deploys internal software that must accurately map and orchestrate money flow between various services and ledgers.
Needs to simulate or execute large-scale transfers (ACH, Wire) and generate temporary routing numbers to manage corporate cash flow.
Writes automation scripts that provision temporary, isolated bank accounts for testing, staging, or client billing purposes.
What Changes When You Connect
- Automate account provisioning. Use
increase_create_accountto spin up new, isolated sub-ledgers for specific clients or services, keeping balances separate and auditable. - Manage payments with compliance. Send transfers using
increase_create_achorincrease_create_wire, ensuring your agent adheres to standard American payment rails. - Audit financial state instantly.
increase_get_balancefetches the real-time ledger balance for any account, eliminating the need for multiple data queries. - Test money flow safely.
increase_simulate_inbound_achandincrease_simulate_inbound_wirelet you model incoming funds in a sandbox environment before committing to production. - Build structured identifiers. Use
increase_create_routing_numberto generate temporary ABA routing and account numbers, which is critical for platform builders creating payment infrastructure. - Maintain a full record. The
increase_list_transactionstool pulls a complete, booked financial history, providing a single source of truth for auditing purposes.
Real-World Use Cases
Onboarding a New Client
A FinTech platform needs to isolate a new client's billing funds. The agent first runs increase_create_account to spin up a dedicated sub-ledger. Then, it uses increase_create_routing_number to generate unique identifiers for that client. Finally, it uses increase_get_balance to confirm the zero starting balance before activation.
Processing a Bulk Payment Run
A corporate treasury team must pay 50 suppliers via ACH. The agent first calls increase_list_accounts to identify the source account. It then iterates, calling increase_create_ach for each supplier, and finally calls increase_list_transfers to generate a comprehensive audit log of all executed payments.
Pre-Deployment Fund Testing
Before deploying a new payment feature, an engineer must test receiving funds. The agent runs increase_simulate_inbound_ach and increase_simulate_inbound_wire in sandbox mode. This confirms the system handles the expected influx of funds without using real money.
System Compliance Check
A compliance officer needs to prove that the system can generate new identifiers. The agent calls increase_create_routing_number to generate a new ABA routing number, which is then used to set up a temporary receivable account via increase_create_account.
The Tradeoffs
Sequential Balance Checks
Asking the agent to call increase_get_balance 50 times in a loop for 50 different accounts. This is slow, inefficient, and risks rate limiting.
→
Always check the documentation for batch tools. If one doesn't exist, use increase_list_accounts to get all IDs, and then use a single batch request if available. If not, structure the request to minimize calls.
Assuming Live Data
Attempting to run payment logic using increase_create_ach but forgetting to switch the environment from Sandbox to Production.
→
Always confirm the intended environment. When simulating, use increase_simulate_inbound_ach. When transferring, ensure the API key used for increase_create_ach or increase_create_wire is the live key.
Ignoring History
Only calling increase_get_balance and assuming that number represents the true current state. This ignores fees, recent transfers, or pending transactions.
→
Always complement balance checks with an audit. Use increase_list_transactions or increase_list_transfers to get the booked history and confirm the balance's source.
When It Fits, When It Doesn't
Use this MCP Server if your workflow requires interacting with actual American payment rails: creating new accounts, executing wire transfers, or reading ledger data for financial compliance. You must use it when the state of money matters. Don't use it if you only need to read conceptual data or if your process is purely internal (e.g., tracking internal project progress). For non-financial data, use a different service. If you only need to know if an account exists, use increase_list_accounts. If you need to know how much money is in it, use increase_get_balance. If you need to know why the balance is what it is, use increase_list_transactions.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Increase. 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.
VINKIUS INFRASTRUCTURE
Cloud Hosted
Managed infra
V8 Isolated
Sandboxed per request
Zero-Trust Proxy
No stored credentials
DLP Enforced
Policy on every call
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EU data residency
Token Compression
~60% cost reduction
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
Tracking money flow across departments is a nightmare of manual exports and pivot tables.
Today, tracking a single client's funds means logging into the core banking portal, exporting the ledger, filtering by client ID, and then cross-referencing that data in a separate billing system. It's a multi-step process requiring three different logins, three different exports, and a whole afternoon of copy-pasting.
With the Increase MCP Server, your agent calls `increase_list_transactions` and gets the full, booked financial history in one data payload. You get the source of truth immediately, without the dashboard clicks or the Excel headache.
Increase MCP Server: Execute Account Setup and Fund Transfers
The manual steps that disappear are: 1) Generating a new routing number on paper, 2) Opening a new sub-ledger account in a separate system, and 3) Manually initiating the ACH transfer through a web form. These are all discrete, high-friction steps.
Now, your agent executes a sequence: `increase_create_routing_number` to generate the identifiers, followed by `increase_create_account` to open the ledger, and finally `increase_create_ach` to move the money. The whole workflow executes in a single, auditable API call chain.
Common Questions About Increase MCP
Can I test money flows safely without losing real funds? +
Absolutely. Increase has a top-tier sandbox environment. In your MCP settings, pass a Sandbox API Key (starting with sk_test_) and optionally set the environment to 'sandbox'. We even implemented literal tool overrides like increase_simulate_inbound_ach which are intentionally restricted exclusively to simulating inbound events on your test environment.
Does adding a new account via the Agent require paperwork? +
No! Assuming your global LLC has already passed initial onboarding and your Entity object handles compliance, any subsequent programmatic calls to increase_create_account yield a fully compliant sub-ledger and associated numbers instantaneously contextually within the UI chat responses.
What is the difference between ACH and Wire transfer arrays here? +
ACH acts through clearing houses taking normally 1-3 business days suited perfectly for non-urgent vendor mass payouts (create_ach). Wire transfers (create_wire) tie directly to Fedwire routing logic hitting banks internally within minutes - often bearing a slight static fee. Dictate which the bot should invoke based on liquidity needs.
How can I trace a specific payment? +
We've added increase_list_transactions to handle historical booked transfers strictly by ID limits, exposing whether money cleared Fed limits safely.
How do I manage account balances using the `increase_get_balance` tool? +
You call increase_get_balance with a specific account ID to get a real-time ledger balance. This tool provides the current dollar amount and the associated ledger details, letting you verify funds before making any transfers.
What is the difference between `increase_list_accounts` and `increase_list_cards`? +
The increase_list_accounts tool retrieves a list of all sub-accounts under your charter. The increase_list_cards tool sweeps the active array of physical or virtual debit cards linked to those accounts.
Can I simulate incoming payments with `increase_simulate_inbound_ach`? +
Yes, you use increase_simulate_inbound_ach (in Sandbox mode) to test how your system handles incoming ACH deposits. This simulates the data flow without touching live money.
How do I set up new bank accounts using the `increase_create_account` tool? +
You call increase_create_account to programmatically spin up a new bank account. The agent handles the provisioning, giving you a live, dedicated sub-ledger ID ready for immediate use.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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