# Finmo MCP

> Finmo connects your global treasury operations directly into your AI client. Manage multi-currency pay-ins, execute cross-border payouts, track real-time liquidity across organization wallets, and manage local virtual accounts—all through natural conversation.

## Overview
- **Category:** finance-accounting
- **Price:** Free
- **Tags:** treasury-management, cross-border-payments, multi-currency, liquidity, global-payouts, wallets

## Description

This MCP gives you control over complex international payment flows without switching between banking portals or running repetitive reports. You can ask your agent to list available methods for collecting funds in a specific country, then initiate the actual pay-in process. Need to send money? The tool lets you manage disbursements globally by listing and initiating payouts to verified beneficiaries while simultaneously fetching live foreign exchange rates so you know exactly what the final cost is. Beyond transactions, you can maintain accurate records by creating customers or vetting new payout recipients using dedicated tools. Since Vinkius hosts this MCP, all your global payment data—from wallet balances to virtual account management—is accessible via simple conversation with any compatible agent.

## Tools

### create_customer
Creates an entirely new customer record in the system.

### create_payin
Sets up a new pay-in transaction to bring funds into your organization's accounts.

### create_payout
Executes and initiates a payment payout to a verified recipient.

### get_fx_rate
Retrieves the current, live foreign exchange rate for any two currencies.

### list_beneficiaries
Shows you a list of existing payout beneficiaries to confirm details before sending money.

### list_customers
Retrieves an overview of all customers currently stored in your system.

### list_payin_methods
Checks and displays the accepted local collection methods for a given country, like FAST or PayNow.

### list_payins
Retrieves records of all past and pending pay-in transactions.

### list_payouts
Shows the status and history of all initiated or completed payouts.

### list_refunds
Lists records of historical payments that were reversed or refunded.

### list_virtual_accounts
Retrieves a list and details for all virtual accounts you manage.

### list_wallets
Shows a real-time balance overview for every organization wallet you maintain.

## Prompt Examples

**Prompt:** 
```
What are the available pay-in methods for Singapore (SG) in SGD?
```

**Response:** 
```
Checking methods... For Singapore (SG), Finmo supports several pay-in methods including FAST, PayNow, and local bank transfers in SGD. Would you like the specific details for any of these?
```

**Prompt:** 
```
Show me the current balance of all my organization wallets.
```

**Response:** 
```
Retrieving balances... You have 3 active wallets: USD ($12,450.00), EUR (€8,200.00), and SGD (S$15,000.00). Your total liquidity is being tracked across these accounts.
```

**Prompt:** 
```
Get a live exchange rate to sell 1000 USD for EUR.
```

**Response:** 
```
Fetching live quote... The current exchange rate for 1000 USD is approximately 920.50 EUR. This quote is valid for the next 60 seconds if you wish to proceed with the conversion.
```

## Capabilities

### Manage Global Liquidity
View real-time balances across every organization wallet and track historical refunds.

### Execute Cross-Border Payments
Initiate global payouts to verified beneficiaries or set up new pay-ins using local collection methods.

### Maintain Financial Data Records
Create and list customer profiles, manage payout recipients, and oversee virtual accounts for reconciliation.

### Calculate Currency Exchange Rates
Fetch live foreign exchange quotes to accurately plan cross-currency transfers.

## Use Cases

### Verifying cross-border payment readiness
A treasury manager needs to send funds from USD to a beneficiary in Vietnam. Instead of checking multiple rate sheets and databases, they ask their agent for the get_fx_rate. The system provides the live quote instantly, allowing them to execute a precise create_payout.

### Auditing historical fund movements
An ops engineer needs to reconcile last month's activity. They ask their agent for list_payouts and list_refunds. The system pulls the full transaction history, allowing them to easily track every payment status.

### Setting up a new local collection channel
A marketplace admin needs to accept payments from a new region. They use the agent to call list_payin_methods and discover all available local collection options, speeding up onboarding dramatically.

### Checking current operational funds
The finance team lead needs an immediate liquidity check before running payroll. They prompt for list_wallets, instantly seeing the total balance across all currencies (USD, EUR, etc.) and confirming enough cash is available.

## Benefits

- Instantly check global liquidity by calling list_wallets. You get an immediate, accurate overview of your organization's balances across every currency without manual reconciliation.
- Streamline disbursements using create_payout after confirming the recipient via list_beneficiaries and checking real-time rates with get_fx_rate. This prevents costly errors.
- Accelerate funding by listing payin methods (list_payin_methods). You can tell your agent, 'What are the payment options for SG?' and it answers immediately.
- Keep your compliance clean by maintaining structured records using create_customer or list_customers. It centralizes who your users are in one place.
- Track cash flow accuracy by checking both list_payins and list_refunds. You see every penny that came in and every refund issued, keeping your books tight.

## How It Works

The bottom line is, you get immediate access to complex global payment data and action capabilities without ever touching a dashboard or running an API script.

1. Subscribe to this MCP via the Vinkius Marketplace and provide your Finmo Access Key and Secret Key.
2. Your AI client connects using these credentials, giving it permission to read and write payment data on your behalf.
3. Start a conversation with your agent. You can then ask simple questions—like 'What's my current balance in EUR?' or 'Pay out $500 to beneficiary X.'—and the MCP executes the transaction.

## Frequently Asked Questions

**How do I find out if a country supports pay-ins using the Finmo MCP?**
You use list_payin_methods. Just ask your agent to check for methods in a specific country (e.g., 'list available methods for Kenya'). It will return all local collection options you can accept.

**Can I see my current liquidity across different currencies with Finmo MCP?**
Yes, call list_wallets. This tool provides a real-time view of your organization's total balance for every currency in the system, letting you know exactly how much cash you have to work with.

**What is the difference between create_customer and list_customers using Finmo MCP?**
list_customers shows you all existing records. You use create_customer when you need to add a brand new user profile into your system for the first time.

**Does Finmo MCP handle calculating foreign exchange rates? **
Yes, you call get_fx_rate. This tool pulls live quotes so that any payout or conversion you plan is based on accurate, up-to-the-minute market data.

**If I run a large payout, do I need to use create_payout?**
Yes. You must use the create_payout tool to initiate any transfer of funds. It handles all the necessary steps, including verifying beneficiary details first.