# Dwolla MCP for AI Agents MCP > Dwolla MCP lets your AI agent manage payments, fund sources, and customer records directly from conversation. Automate everything from creating a new client to initiating bank transfers or running micro-deposit verification without opening a dashboard. You gain full control over complex payment infrastructure using natural language commands. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** bank-transfers, ach-payments, customer-onboarding, payment-infrastructure, financial-api, fund-management ## Description Connect Dwolla to any AI agent and take full command of your payments infrastructure through simple conversations. Instead of navigating dashboards, you talk to your agent, which handles the financial heavy lifting. The MCP lets you create new customer records, link various bank accounts, and orchestrate transfers between sources—all without manual clicks. You can also handle complex onboarding steps, like running micro-deposit verification or initiating a Know Your Business (KYB) session. Because this connection is managed through Vinkius, your agent has access to the entire catalog of financial tools, meaning you don't have to switch services just to complete a payment flow. It simply makes managing money moves feel like talking to a highly specialized operations teammate. ## Tools ### list_account_transfers Retrieves a list of transfers that have occurred or are pending on the account. ### list_beneficial_owners Gets details about the beneficial owners associated with a specific customer. ### list_customers Searches and lists existing customers by name or ID. ### list_events Fetches a chronological list of significant account events for auditing purposes. ### list_labels Retrieves all applied labels attached to a specific customer profile. ### list_webhook_subscriptions Lists all the webhooks currently configured for the account. ### retry_webhook Forces a retry on a failed or missed webhook notification. ### list_account_funding_sources Retrieves a list of all bank account funding sources linked to the main account. ### cancel_transfer Stops a transfer that has been initiated but hasn't processed yet. ### create_beneficial_owner Adds a beneficial owner profile to an existing business customer account. ### create_customer_funding_source Links a new bank account funding source to a specific customer's profile. ### create_customer Creates a brand-new customer record within the system. ### create_document Attaches an important document file to a customer's profile for record keeping. ### create_funding_source Sets up a general funding source that can be used across multiple accounts. ### create_label Adds a custom label to help categorize or group customers. ### create_webhook_subscription Sets up a new webhook notification endpoint for future event tracking. ### get_account Retrieves the current, comprehensive details of your primary Dwolla account. ### get_customer Fetches all detailed information about a specific customer ID. ### get_document Retrieves the content of a document previously attached to a customer. ### get_event Pulls details for a single, specific historical account event. ### get_funding_source Fetches all necessary information about a particular funding source linked to an account. ### get_mass_payment Retrieves details regarding a bulk payment batch operation. ### get_transfer Pulls the full history and current status of an individual transfer. ### initiate_kba Starts a Know Your Business (KYB) session, typically for high-value clients needing extra verification. ### initiate_mass_payment Starts the process of sending out multiple payments in one batch operation. ### initiate_transfer Executes a standard transfer of funds between two defined sources. ### update_customer Modifies any editable field on an existing customer's profile, like their email or address. ### update_funding_source Changes details about a linked bank account funding source or removes it entirely. ### verify_kba Submits and validates the answers provided during a Know Your Business questionnaire. ### verify_micro_deposits Runs the process to confirm bank account ownership using small, temporary deposits. ## Prompt Examples **Prompt:** ``` I need to get a list of all customers associated with label 'Q3 Leads' and check their last activity. ``` **Response:** ``` **Customer List: Q3 Leads** * Jane Doe (ID: cust-001) - Last Activity: 2 days ago. Status: Verified. * Acme Corp (ID: cust-003) - Last Activity: 1 month ago. Status: Pending KBA. * Bob Smith (ID: cust-004) - Last Activity: Today. Status: Active. Would you like to see the document history for Acme Corp? ``` **Prompt:** ``` Can we move $250 from our main account funding source to Jane Doe's linked bank account? ``` **Response:** ``` **Transfer Confirmation** ✅ Transfer initiated successfully. * Amount: $250.00 * Source ID: src-123 (Main Account) * Destination ID: cust-001 (Jane Doe) * Transaction ID: trans-789 * Current Status: Pending. Funds expected in 1-2 business days. ``` **Prompt:** ``` What's the status of the mass payment I started yesterday, and are there any recent account events? ``` **Response:** ``` **Payment Batch Report** 🔍 **Mass Payment ID: batch-456** * Status: Completed. * Total Transfers: 12 * Failed Count: 0 📄 **Recent Events (Last 7 Days)** * [Oct 15]: `get_event`: Customer cust-003 updated their label to 'High Priority'. * [Oct 14]: `list_account_transfers`: $50 transfer completed successfully. ``` ## Capabilities ### Manage customer records and beneficial owners You can create new customers, retrieve existing profiles, or list the associated beneficial owners for business accounts. ### Link and manage funding sources The MCP allows you to create, update, or retrieve bank account funding sources, ensuring every customer has properly linked funds. ### Initiate and track money transfers You can initiate a transfer between two funding sources, list recent transactions, track pending payments, or cancel an outgoing transfer if necessary. ### Process account verification workflows The agent handles complex security steps like running micro-deposit verifications or initiating KBA sessions to secure new bank links. ### Retrieve and update core account data You can pull details on your overall organization account, list recent events, or check general operational metrics and labels. ## Use Cases ### Onboarding a new high-value client A user asks their agent to onboard 'Acme Corp.' The agent responds by first running `list_beneficial_owners` to identify key contacts, then using `create_customer`, and finally initiating the security workflow via `initiate_kba`. All necessary data is gathered in one conversation. ### Investigating a failed payment batch An operations manager asks their agent why 'trans-789' stalled. The agent uses `get_transfer` and `list_account_transfers`, finds the pending status, and suggests using `cancel_transfer` to restart the process. ### Updating bank details for an existing client A product manager needs to update 'John Smith's' funding source. The agent uses `get_customer`, verifies the need, and then runs `update_funding_source` so the payment flow remains uninterrupted. ### Auditing account activity for compliance A user needs to audit all client activities from last week. The agent uses `list_events`, pulls a list of transactions, and then filters that data by using `get_transfer` on specific IDs. ## Benefits - Eliminate manual data retrieval. Use the `list_customers` or `get_customer` tools to pull customer lists and details instantly, bypassing database lookups. - Streamline onboarding with verification steps. Your agent handles micro-deposits via `verify_micro_deposits` and initiates KBA sessions using `initiate_kba`, securing accounts automatically. - Execute complex transactions safely. Instead of manually initiating payments, your agent can run `initiate_transfer` or `initiate_mass_payment` when prompted by conversation. - Maintain a clear audit trail. Use `list_events` and `get_event` to pull historical account data quickly, ensuring every payment action is logged and traceable. - Manage relationships better. The MCP lets you attach documents (`create_document`) or group clients with custom labels (`create_label`), keeping customer records organized by intent. ## How It Works The bottom line is you manage complex fintech operations entirely through conversation, without writing code or navigating separate web portals. 1. Subscribe to this MCP and provide your Dwolla Access Token and the target environment (sandbox or production). 2. Your AI client connects using those credentials, granting it read/write access to your payment account. 3. You instruct your agent—for example, 'Create a customer for Jane Doe'—and the system executes the necessary API calls. ## Frequently Asked Questions **How can I use the Dwolla MCP to onboard a new business client?** The agent handles the entire process in conversation. You just tell it to onboard the client, and it runs all necessary checks: listing beneficial owners, creating the customer record, and initiating verification workflows. **I need to move money from one account source to another; can Dwolla MCP handle that?** Yes. You simply tell your agent which two funding sources you want to use for the transfer amount, and it executes the transaction using tools like `initiate_transfer`. **Is Dwolla MCP better than just calling the Dwolla API directly?** The main difference is conversation. You don't write code or manage tokens; you talk to your agent, which uses the underlying tools to complete complex tasks step-by-step. **What if a payment fails? Can Dwolla MCP help me track it?** Absolutely. You can ask the agent to list account transfers or retrieve specific transfer details, giving you real-time status and helping you understand why the funds didn't move. **Does Dwolla MCP let me update customer information like their address?** Yes. You can ask your agent to modify any field on a customer's profile, such as updating an email or changing a label, using the dedicated update tools. **Can I use Dwolla MCP for running micro-deposit verification?** Yes. This is one of its core functions. You ask it to verify funding sources, and the agent runs the necessary process to confirm bank ownership securely.