# ClearBank MCP for AI Agents MCP > ClearBank MCP provides programmatic control over UK Payment Clearing, enabling AI agents to execute massive digital-signature encrypted transaction structures natively. Your agent can provision accounts, initiate instant Faster Payments (FPS), run high-value CHAPS wires, and check real-time settlement status using a single conversational workflow. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** clearing-bank, digital-signatures, api-banking, financial-infrastructure, b2b-payments, rsa-encryption ## Description This MCP connects your AI client directly to the UK's core payment rails, letting you manage funds like never before. Forget logging into multiple banking portals just to track a transfer or set up a new vendor account. Instead, your agent handles the complexity. You can programmatically provision multi-layered B2B accounts and initiate instant payments using both Faster Payments and high-value CHAPS transfers—all authenticated with required digital signatures. The power comes from its ability to check real-time payment status and ledger balances on demand. When you connect this MCP via Vinkius, your agent gains the capability to review complex clearing states and perform necessary account actions, like suspending an account for compliance. You're not just reading data; you're issuing commands that move money securely across European and British payment networks. ## Tools ### clearbank_create_account Sets up and provisions an entirely new UK banking account within the ClearBank clearing network. ### clearbank_get_account_balances Retrieves the current, settled balance for a specific ClearBank account ID. ### clearbank_get_accounts Lists every single institutional ledger and account available across the entire ClearBank network. ### clearbank_get_transactions Pulls a complete history of transactions for any designated ClearBank account ID. ### clearbank_create_chaps_payment Initiates a major, high-value wire transfer using the Bank of England system when immediate finality is required. ### clearbank_create_faster_payment Sends an instant UK Faster Payment (FPS) to another bank account during regular operating hours. ### clearbank_get_payment_status Checks the current settlement status for any previous FPS or CHAPS payment instruction. ### clearbank_suspend_account Immediately freezes a ClearBank account, blocking all incoming and outgoing transfers until it is reactivated. ## Prompt Examples **Prompt:** ``` What are the available balances across all my UK subsidiary accounts right now? ``` **Response:** ``` **ClearBank Account Ledger Snapshot** | Account ID | Current Balance (GBP) | Status | | :--- | :---: | :---: | | ACC-1001 | £4,520.88 | Settled | | ACC-9990 | £1,200,000.00 | Liquid | | ACC-5502 | £345.12 | Cleared | *All balances reflect funds confirmed by the clearing network.* ``` **Prompt:** ``` I need to send a large payment of 5 million pounds to Acme Corp today. ``` **Response:** ``` **Payment Instruction Generated** ✅ **Action:** CHAPS Transfer Initiated 💸 **Amount:** £5,000,000.00 🗓️ **Scheduled Date:** Today (Operational Hours) 🔒 **Status:** Signed and queued for Bank of England settlement. Please check back in an hour using the status tool to confirm final clearing. ``` **Prompt:** ``` Check my account history from last week, specifically looking for payments over £10k. ``` **Response:** ``` **Transaction History (Last 7 Days)** * **Date:** YYYY-MM-DD | **Type:** CHAPS Payment | **Amount:** £15,200.00 | **Status:** Completed | * **Date:** YYYY-MM-DD | **Type:** FPS Transfer | **Amount:** £8,900.00 | **Status:** Completed | * **Date:** YYYY-MM-DD | **Type:** Account Provisioning | **Notes:** New account created. ``` ## Capabilities ### Provision New UK Banking Accounts Automatically set up new B2B accounts on the ClearBank clearing network for immediate use. ### Execute Instant Faster Payments (FPS) Initiate time-sensitive, instant transfers to any external sort code and account number during operational hours. ### Run High-Value CHAPS Transfers Send critical, large-sum wire transfers that require immediate finality through the Bank of England settlement system. ### Check Account Balances and Limits Retrieve live settled and cleared balances for any specific account to verify available funds. ### Monitor Payment Status Track whether a previously initiated Faster Payment or CHAPS instruction has successfully settled. ### Suspend Accounts Freeze any specific ClearBank account instantly, preventing all movement of funds for compliance reasons. ## Use Cases ### Executing Payroll and Vendor Payments A payroll manager needs to pay 50 contractors instantly. Instead of running batch files, they ask their agent to 'Pay all vendor invoices.' The agent calls `clearbank_create_faster_payment` repeatedly for each recipient's sort code and account number. ### Handling Large Corporate Fund Transfers A treasury desk needs to move millions of pounds across borders with guaranteed finality. They prompt the agent: 'Execute a high-value transfer.' The agent uses `clearbank_create_chaps_payment` for the required settlement. ### Onboarding New Corporate Clients A platform needs to give a new client access. They instruct their agent: 'Set up an account for Client X.' The agent runs `clearbank_create_account` and then confirms the initial balance with `clearbank_get_account_balances`. ### Investigating Failed or Delayed Payments A client reports a payment that hasn't arrived. They ask their agent to 'Check the status of the transfer.' The agent uses `clearbank_get_payment_status` to provide an immediate update on whether the money cleared. ## Benefits - Instantly confirm liquid funds. Use `clearbank_get_account_balances` to know the exact, settled money available before triggering any payment. - Handle all transfer types from one place. Whether it’s an instant FPS via `clearbank_create_faster_payment` or a major CHAPS wire via `clearbank_create_chaps_payment`, you control both. - Maintain compliance easily. If funds are suspicious, use `clearbank_suspend_account` to freeze the account immediately and log the reason for an audit trail. - Build complex ledgers with ease. You can provision brand new accounts using `clearbank_create_account`, making your platform scalable for client onboarding. - Full visibility into history. Never manually track a transfer again; use `clearbank_get_transactions` to pull full, auditable transaction histories on command. ## How It Works The bottom line is that this MCP handles all the complex security keys and regulatory compliance so your agent can just issue clear commands to move money. 1. First, you spawn your API Profile within the ClearBank Institution interface and export a standard RSA private key. 2. Vinkius uses that private key to construct Cryptographic Hashes. These hashes generate necessary RSA Digital Signatures every time your agent makes a tool call, ensuring accurate authentication with clearing servers. 3. Your AI client then executes payment instructions or reads ledger data using natural language prompts, and the MCP processes the request against the live UK banking infrastructure. ## Frequently Asked Questions **How do I use the ClearBank MCP to transfer money between UK accounts?** You can initiate payments using both instant Faster Payments or scheduled CHAPS wires. Simply tell your agent who, how much, and when it needs to arrive, and this MCP handles the secure connection to the payment rails. **Can I check if a transfer I just sent actually went through?** Yes. You can use the built-in status checker with ClearBank MCP to monitor any payment you send, giving you real-time updates on whether the funds have fully settled. **What if a client account is compromised? How do I secure it using ClearBank MCP?** If an account needs immediate protection, use the suspension tool. It instantly freezes the entire account ledger, preventing any inbound or outbound transactions until you lift the hold. **Does this MCP help me set up new bank accounts for my business partners?** Yes, it can provision brand-new B2B accounts on the ClearBank network. This streamlines your client onboarding process by creating necessary financial structures automatically. **Is the data from ClearBank MCP secure enough for high-value transactions?** Absolutely. The entire system is built with cryptographic hashes and RSA digital signatures, ensuring that every command issued through your agent is authenticated directly against the clearing infrastructure.