How to Use the Wise MCP in Vercel AI SDK

Q: How does Wise work with Vercel AI SDK for balance checks?

When you call listbalances, your agent gets all current multi-currency totals. The data streams right into the UI, so the end user doesn't wait on a generic loading spinner; they see the numbers pop up instantly.

Q: Can Wise help manage recipients in Vercel AI SDK?

Yeah, you can list existing payment contacts using listrecipients. This tool lets your agent pull out names and details so your user doesn't have to manually re-enter them every time they send money.

Q: If I check transfer status with Wise in Vercel AI SDK, what data do I get?

The gettransfer tool gives you specific details on a transaction. You'll see the current status and any relevant IDs, which is exactly what your user needs to confirm money moved successfully.

Q: What happens if Wise fails to provide an exchange rate in Vercel AI SDK?

The agent handles failure gracefully. If getexchangerate times out or returns zero, the client can display a clear error message telling the user to check connectivity, rather than just showing blank data.

Show users real-time global money moves with Vercel AI SDK.

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Connect Wise MCP to Vercel AI SDK

Create your Vinkius account to connect Wise to Vercel AI SDK 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 Wise with Vercel AI SDK

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Track Live Multi-Currency Balances

The agent pulls all your account details at once. You can use `list_balances` to see balances across multiple currencies, or check a specific amount using `get_balance`. This shows the user exactly what they're working with.

Manage Transfers and Rates

Need to figure out how much money will arrive? The agent can generate an estimate with `create_quote`, or fetch live rates via `get_exchange_rate`. If the transfer is already done, you grab details using `get_transfer`. This lets your front-end show accurate conversion data before the user even clicks send. It's fast.

Access Detailed Transaction History

Build out a full financial overview for the user. Call `list_transfers` to get every transfer record, or use `list_statements` for deep dives into account activity. You can also list all your payment recipients using `list_recipients`. This makes it look like the AI is pulling data directly from a live banking feed.

Setup guide

Set up Wise MCP in Vercel AI SDK

Prerequisites

Node.js 18+ and a TypeScript project
ai + @modelcontextprotocol/sdk packages
Active Vinkius subscription with a valid endpoint token

1

Install dependencies

Run npm install ai @modelcontextprotocol/sdk plus your preferred model provider (e.g. @ai-sdk/openai).
2

Create the Streamable HTTP transport

Use StreamableHTTPClientTransport with your Vinkius endpoint URL. Replace [YOUR_TOKEN_HERE] with your token from cloud.vinkius.com.
3

Discover and use tools

Call mcpClient.tools() to auto-discover all Wise tools. Pass them directly to generateText() or streamText() — no manual schema definitions needed.
4

Works with any model provider

Swap openai("gpt-4o") for any AI SDK provider — Anthropic, Google, Mistral. The MCP tools work identically across all supported models.

index.ts

import { experimental_createMCPClient as createMCPClient } from "ai";
import { StreamableHTTPClientTransport } from "@modelcontextprotocol/sdk/client/streamableHttp";
import { generateText } from "ai";
import { openai } from "@ai-sdk/openai";

const transport = new StreamableHTTPClientTransport(
  new URL("https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp")
);

const mcpClient = await createMCPClient({ transport });
const tools = await mcpClient.tools();

const { text } = await generateText({
  model: openai("gpt-4o"),
  tools,
  prompt: "List recent Wise transactions",
});

console.log(text);
await mcpClient.close();

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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 Wise. 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 Wise MCP in Vercel AI SDK

When you call `list_balances`, your agent gets all current multi-currency totals. The data streams right into the UI, so the end user doesn't wait on a generic loading spinner; they see the numbers pop up instantly.

Yeah, you can list existing payment contacts using `list_recipients`. This tool lets your agent pull out names and details so your user doesn't have to manually re-enter them every time they send money.

The `get_transfer` tool gives you specific details on a transaction. You'll see the current status and any relevant IDs, which is exactly what your user needs to confirm money moved successfully.

The agent handles failure gracefully. If `get_exchange_rate` times out or returns zero, the client can display a clear error message telling the user to check connectivity, rather than just showing blank data.

This server handles account balances, transfer details, and exchange rates. Specifically, it touches multi-currency balance data and historical transaction records via `list_statements`.

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