# Brankas MCP for AI Agents MCP

> Brankas connects your AI client to Southeast Asia’s open finance network. Your agent can handle complex money movements and data retrieval, managing everything from accepting direct payments and initiating payouts to aggregating real-time bank statements and balances.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Tags:** open-finance, api-integration, disbursements, account-to-account, financial-data, southeast-asia

## Description

Need to manage financial operations across multiple banks in Southeast Asia? This MCP gives your AI client the power to run full payment cycles through Brankas. Instead of switching between dashboards or manually calling APIs, you talk to your agent, and it handles the money moves. You can initiate payments by creating checkout sessions for instant deposits, and then automatically send payouts using both inter-bank and intra-bank transfers. Beyond moving cash, your agent retrieves bank account balances, tracks transaction history, and pulls identity data from consented users. Because Vinkius is the premier catalog for these kinds of integrations, you connect once to access all this financial utility through any compatible client.

It simplifies complex finance tasks into natural conversation.

## Tools

### create_checkout
Creates a new session to accept direct payments into the connected account.

### get_balance
Retrieves the current balance for a linked bank account.

### get_identities
Gets stored identity data associated with the connected user.

### get_statement
Pulls detailed transaction history and statement data for a linked account.

### get_transaction
Checks the current status of an incoming direct payment transaction.

### get_transfer_status
Retrieves the real-time status of a previously initiated disbursement transfer (payout).

### inter_bank_transfer
Sends money out via an inter-bank payout, linking two separate financial institutions.

### intra_bank_transfer
Sends money out within a single bank's network (intra-bank payout).

## Prompt Examples

**Prompt:** 
```
I need to pay my team's quarterly bonuses out immediately.
```

**Response:** 
```
**Payout Summary: Q2 Bonuses**

*   **Total Payout:** 15,000 IDR
*   **Method Breakdown:**
    *   Inter-Bank (External): 12,000 IDR (Status: SUCCESS)
    *   Intra-Bank (Internal): 3,000 IDR (Status: PENDING)
*   The transfer for the remaining 3,000 IDR is scheduled and should complete within the hour. You can check its status using the transaction reference provided above.
```

**Prompt:** 
```
Can you confirm if my checkout payment from yesterday went through?
```

**Response:** 
```
**Payment Status Check: txn_abc123**

*   **Amount:** 500,000 PHP
*   **Status:** **COMPLETED** ✅
*   **Timestamp:** 2026-06-12 14:30 UTC
*   The funds are confirmed and the transaction ID is valid for records. No further action needed.
```

**Prompt:** 
```
What was my total cash balance and what were my last few transactions?
```

**Response:** 
```
**Account Snapshot**

*   **Current Balance:** 8,520,000 IDR
*   **Last 3 Transactions (from statement):**
    1.  Deposit: +10,000,000 IDR (Source: Payroll)
    2.  Withdrawal: -500,000 IDR (Source: Vendor Payment)
    3.  Transfer: -300,000 IDR (Destination: Tax Authority)
```

## Capabilities

### Accepting Direct Payments
Your agent can create checkout sessions to accept instant account-to-account payments and track the status of incoming funds.

### Initiating Payouts
The MCP allows your agent to send payouts automatically, supporting both inter-bank and intra-bank transfers, and monitors their progress until completion.

### Retrieving Financial Balances
Your AI client pulls real-time bank account balances linked to the connected accounts on demand.

### Accessing Transaction History and Identity Data
You can retrieve full bank statement data, view transaction history, and pull identity verification details from consented users.

## Use Cases

### Processing Vendor Payments at Scale
A logistics company needs to pay 50 vendors daily. Instead of logging into multiple banking portals, the agent uses `inter_bank_transfer` and `intra_bank_transfer` tools sequentially to execute all required payouts based on a single spreadsheet input.

### Onboarding New Merchants
A payment processor needs to verify a new merchant's financial standing. The agent first uses `get_identities` and then runs `get_balance` to confirm the merchant’s identity and current available funds before activating services.

### Handling Refunds and Chargebacks
When a customer initiates a refund, the agent doesn't just process it; it uses `create_checkout` to track the incoming payment status (`get_transaction`) and confirms the original funds were received before initiating the return payout.

### Quarterly Compliance Auditing
An accountant needs a complete picture of account activity. The agent pulls `get_statement` data for the last quarter, aggregates it with identity records (`get_identities`), and presents a single, cohesive report.

## Benefits

- Instant cash flow management: Use `create_checkout` to immediately accept account-to-account funds without manual intervention.
- Full payout automation: Automate disbursements by initiating transfers using both `inter_bank_transfer` and `intra_bank_transfer` tools.
- Real-time financial oversight: Get accurate, up-to-the-minute fund status checks via the `get_balance` tool, giving instant visibility into cash positions.
- Deep audit trail access: Pull comprehensive transaction data using `get_statement`, providing a full record for compliance and auditing purposes.
- Payment tracking assurance: Verify every money movement—incoming payments with `get_transaction` or payouts with `get_transfer_status`.

## How It Works

The bottom line is, you connect the credentials once; your agent handles all the complexity from there.

1. Subscribe to the Brankas MCP on Vinkius.
2. Provide your specific Brankas API Key and select your operating environment (sandbox or production).
3. Use any compatible AI client to begin managing payments, payouts, and financial data via natural conversation.

## Frequently Asked Questions

**How does the Brankas MCP handle complex payouts to multiple banks?**
The Brankas MCP manages all payout types automatically. Whether you need an inter-bank or intra-bank transfer, your agent initiates it and monitors the status until funds are confirmed deposited.

**Can I use this with my existing accounting software?**
Yes, by having the AI client pull transaction data via `get_statement`, you feed clean, structured financial reports directly into your accounting platform for easy reconciliation and auditing.

**Is Brankas MCP only for Southeast Asian payments?**
The functionality is focused on open finance operations across the region. It provides deep integration with local bank systems necessary for accurate payment processing in this market.

**What if a payout fails? Can the Brankas MCP help me track it?**
Absolutely. The MCP lets your agent check the transfer status using specific tools, confirming if a payout is pending or failed and providing visibility into why.

**Does Brankas MCP let my AI client accept payments from customers?**
Yes, you can create checkout sessions to accept instant account-to-account payments. Your agent tracks the transaction ID until those funds are fully received and cleared.