Increase MCP. Execute real bank actions via your AI agent.
The Increase MCP gives your AI agent direct, programmatic access to a fully compliant commercial US bank. You can instantly build new live accounts, generate required routing numbers, fetch real-time ledger balances, and execute high-value ACH or wire transfers directly from an API call.
Give Claude and any AI agent real-world access
The agent provisions completely new live sub-ledger bank accounts on demand for specific internal tracking.
Your AI client sends compliant funds using both ACH transfers and high-value, same-day wire services to any US bank.
The agent generates necessary ABA routing numbers and corresponding account identifiers for new financial contexts.
You pull real-time balances or retrieve the full transaction history for any specific account you own.
The agent runs full simulations, such as simulating inbound ACH or wire deposits, without moving a single dollar in production.
Ask an AI about this
Waiting for input…
What AI agents can do with Increase MCP with 12 Tools
Use these tools to automate every aspect of your financial workflow—from creating new bank accounts to executing complex payment transfers.
Make your AI actually useful.
Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.
Start using Increase MCPIncrease Create Account
This tool spins up a brand-new, live sub-ledger bank account using programmatic commands.
Increase Create Ach
It sends an outbound ACH transfer of funds to any US bank recipient.
Increase Create Card
This issues both physical and virtual debit cards linked directly to a specific...
Increase Create Routing Number
It generates new, unique ABA routing numbers and associated account data.
Increase Create Wire
The agent executes a same-day US Wire transfer for large or urgent sums of money.
Increase Get Balance
You fetch the current, real-time ledger balance for any specified account ID.
Increase List Accounts
The agent can list all sub-accounts that exist under your established charter number.
Increase List Cards
It sweeps and lists all active debit cards that have been previously issued by the...
Increase List Transactions
This retrieves a full, booked history of financial transactions for audit purposes.
Increase List Transfers
The agent can pull an auditable list of all outbound transfers that have occurred.
Increase Simulate Inbound Ach
This runs a sandbox simulation to model receiving ACH inbound funds without moving...
Increase Simulate Inbound Wire
It simulates the receipt of a Wire transfer in the testing environment, perfect for pre-deployment checks.
Security and governance baked right in.
Pick your AI client below to get set up. Just create a Vinkius account, subscribe, and you're instantly up and running. We handle the entire backend infrastructure, delivering out-of-the-box support for HTTPS Streamable, SSE, and OAuth2—zero messy routing required.
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
- Create Agent Skills with progressive disclosure
- Deploy to edge with MCPFusion framework
- Built in DLP, auth, and compliance on each call
- Real time usage dashboard and cost metering
- Publish to catalog or keep private
Make Your AI Do More
Start with Increase, then connect any of our 5,200+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 5,200+ others, all in one place
- Add new capabilities to your AI anytime you want
- Connections are secured and governed automatically
- Track usage and costs across all your servers
- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog weekly
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Increase. 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.
VINKIUS CLOUD
Cloud Hosted
Managed infra
V8 Isolated
Sandboxed per request
Zero-Trust Proxy
No stored credentials
DLP Enforced
Policy on each call
GDPR Compliant
EU data residency
Token Compression
~60% cost reduction
Handling Payments Feels Like Doing Accounting in Excel
Today's process for managing funds is a mess of tabs. You check the balance via dashboard A, copy the routing number into form B, then manually enter the payment details on platform C. If anything fails, you're stuck refreshing dashboards and cross-referencing spreadsheets to find out why.
With this MCP, your agent handles the whole chain in one go. Instead of clicking through multiple platforms and copying numbers, you tell your agent: 'Pay $X from Account Y to Z.' It runs all the necessary checks—balance, routing, compliance—and executes it cleanly.
Increase MCP Provides Full Control Over Your Financial Plumbing
The painful steps that disappear are account setup and payment initiation. You no longer need to wait for manual approvals or dedicated infrastructure teams just to get a routing number; you generate one with `increase_create_routing_number` on demand.
This changes everything. Your agent doesn't just report data; it becomes the fully compliant, programmatic financial arm of your business.
What Increase MCP does for your AI
This connector lets your agent perform actual banking actions. It connects your AI client to the infrastructure of a physical US bank, letting it handle complex financial transactions that used to require manual dashboard navigation and compliance checks. Need to inject funds into a supplier? Your agent handles the ACH transfer.
Want to check if an account is ready for spending? You pull the live ledger balance. The system even includes sandbox arrays, so you can run full simulations—like receiving $1,000 in inbound funds—before touching production money. When your AI client connects through Vinkius, it gets a single point of access to this entire suite of financial tools, letting agents act like true treasury operations staff.
019d75b9-157d-7289-9d48-49514b06a541 How to set up Increase MCP
The bottom line is that you give your AI client a direct, compliant financial connection point to execute banking operations on demand.
First, you decide if your agent needs to operate in Development (Sandbox) mode for testing or Live (Production) mode.
Next, you obtain the necessary API Key from Increase and plug that key directly into Vinkius. This syncs the core banking network with your AI client's logic.
Finally, your agent calls the required tool—whether it’s fetching a balance or creating an account—and gets immediate confirmation of the action taken.
Who uses Increase MCP
This MCP is essential for FinTech builders and corporate finance ops teams who are tired of moving money or checking compliance details manually. It’s for the systems engineer who needs to build a fully automated payment rail, or the treasury manager who needs real-time balance checks across multiple virtual accounts.
They use this MCP to programmatically build internal software that handles money mapping and account provisioning for their own users.
They run full audits, checking historical transactions or simulating fund inflows to predict cash flow without risking actual capital.
They automate the setup of new payment channels by requesting fresh ABA routing numbers and creating dedicated bank accounts for temporary operations.
Benefits of connecting Increase MCP
Instant Account Provisioning: Forget waiting days for banking setup. Use increase_create_account to provision a live, usable sub-ledger account in minutes for specific internal tracking purposes.
Compliance-Grade Payments: When you need to move money, your agent executes it compliantly. Use increase_create_ach or the high-value increase_create_wire tool to handle payments securely across US payment rails.
Financial Structure Control: You gain control over the basic data needed for any financial system. The increase_create_routing_number tool generates fresh, usable ABA routing numbers and account identifiers on demand.
Operational Visibility: Need to know where your money is? Use increase_get_balance to pull a real-time ledger balance or run increase_list_transactions to build a complete audit trail for any specific account.
Risk-Free Testing: You can validate complex financial logic using the sandbox tools. Run simulations like increase_simulate_inbound_ach before deploying code that handles actual funds.
Asset Management: The system lets your agent manage associated assets, allowing you to issue and track virtual or physical cards via increase_create_card and increase_list_cards.
Increase MCP use cases
Onboarding a New Client Payment Rail
A platform builder needs to onboard a new client that requires dedicated funding. Instead of manual paperwork, the agent first uses increase_create_account to generate a unique account ID. Then, it calls increase_create_routing_number to get the necessary ABA data, providing immediate readiness for payments.
Pre-flight Payment Audit
A treasury analyst is updating payment software and needs to test fund reception. They run an agent command using increase_simulate_inbound_ach against the sandbox environment, confirming that their webhooks correctly process a simulated $5,000 deposit before going live.
Automated Expense Reporting
An operations engineer builds a payment workflow that must trigger both an ACH transfer and issue a virtual card. The agent first uses increase_get_balance to check the available funds, then executes increase_create_ach, and finally calls increase_create_card to cap the spending.
Investigating Past Funds Movement
A compliance officer needs to audit a client's activity over Q2. The agent pulls all records by calling increase_list_transactions, allowing them to reconstruct the entire financial history from one centralized tool call.
Increase MCP tradeoffs
What to watch out for, and the recommended way to handle each one.
Assuming Data is Always Available
The developer tries to write payment logic that assumes a valid account number and routing number exist in the database. This fails at runtime because they haven't generated them yet.
Always use increase_create_routing_number first to generate compliant ABA data, then use increase_create_account with that data before attempting any transfers.
Testing Live Transactions
A developer runs payment simulations directly against the production API key in a hurry. This risks accidentally moving real money or triggering unnecessary fraud alerts.
Never test live transactions until you're ready to deploy. Always run your initial checks using increase_simulate_inbound_ach or increase_simulate_inbound_wire first.
Ignoring Transaction History
The agent completes a payment but the user has no way to verify that the transaction was actually booked and recorded in the ledger.
After any transfer, always call increase_list_transactions or increase_list_transfers immediately afterward. This confirms the record exists and provides proof of operation.
When to use Increase MCP
Use this MCP if your workflow requires making real-world financial moves—creating accounts, sending money that matters, or checking balances against a live ledger. You need compliant US banking infrastructure access. Don't use it if you just need general data points, like reading a CSV file or querying internal operational records. If you only need to read historical logs without the ability to initiate transfers, consider an MCP focused purely on document retrieval; this one is about execution and compliance.
Frequently asked questions about Increase MCP
Can I use Increase MCP to check my current balance? +
Yes, you can check balances using increase_get_balance. This tool fetches the real-time ledger status for any specific account ID within the system.
Is increase_create_wire safe to use in production? +
The transfers are compliant and designed for programmatic use. However, always test complex payment flows first by running simulations using increase_simulate_inbound_ach before deploying live code.
What if I need a new account ID for my app? +
You can spin up a fresh sub-ledger bank account instantly with the increase_create_account tool. This gives your software dedicated, separate balances immediately.
Do I have to use Sandbox mode for testing payments? +
It's highly recommended. Use the sandbox tools like increase_simulate_inbound_ach so you can validate payment logic and webhooks without moving any actual money.
What is the difference between ACH and Wire transfers? +
ACH is generally used for standard, bulk payments to US banks. The increase_create_wire tool handles high-value, same-day transfers which are faster but typically incur higher fees.