# Increase MCP

> 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.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Tags:** commercial-banking, payment-rails, ledger-management, api-banking, compliance, wire-transfers

## Description

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.

## Tools

### increase_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 account.

### 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 system.

### 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 real money.

### increase_simulate_inbound_wire
It simulates the receipt of a Wire transfer in the testing environment, perfect for pre-deployment checks.

## Prompt Examples

**Prompt:** 
```
Use our main test routing sandbox mechanism to simulate inbound an external payload of $1000 into Account ID 'acc_1234'.
```

**Response:** 
```
Simulation dispatched! Expected parameters were simulated into the core routing infrastructure successfully. The endpoint responded and acknowledged $1,000 artificial liquidity injection into your routing destination target. Validate your app webhooks now.
```

**Prompt:** 
```
Audit our entire open accounts layout right now.
```

**Response:** 
```
Found exactly 4 Demand Deposit accounts running 'opened' conditions. They map respectively under entity groups 'Operational', 'Cloud Subscriptions', 'Holding', and 'Local Dev'. Current aggregate counts reflect stability.
```

**Prompt:** 
```
Spin up a new fresh physical corporate banking account dedicated uniquely to 'Server Spends'. Send the Routing number to me.
```

**Response:** 
```
Success chain completed in sequence. First, entity 'Server Spends' received a booked ID structure constraint within banking logic. Secondly, the routing generator hooked an incoming ABA/Account array assigned completely to this context. Account numbers are currently available.
```

## Capabilities

### Create new bank accounts
The agent provisions completely new live sub-ledger bank accounts on demand for specific internal tracking.

### Process outbound payments
Your AI client sends compliant funds using both ACH transfers and high-value, same-day wire services to any US bank.

### Manage banking structure data
The agent generates necessary ABA routing numbers and corresponding account identifiers for new financial contexts.

### Check ledger status and history
You pull real-time balances or retrieve the full transaction history for any specific account you own.

### Test payment flows safely
The agent runs full simulations, such as simulating inbound ACH or wire deposits, without moving a single dollar in production.

## 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.

## Benefits

- 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`.

## How It Works

The bottom line is that you give your AI client a direct, compliant financial connection point to execute banking operations on demand.

1. First, you decide if your agent needs to operate in Development (Sandbox) mode for testing or Live (Production) mode.
2. 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.
3. 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.

## Frequently Asked Questions

**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.