# Konfío MCP

> Konfío MCP connects your AI agent directly to Mexico's leading SMB financial suite. Manage everything from making loan payments and tracking amortization schedules to creating legally compliant electronic invoices (CFDI). Handle corporate credit card statements, process B2B SPEI transfers, and monitor business credit lines all in one conversation.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Tags:** smb-lending, corporate-credit, electronic-invoicing, cfdi-compliance, b2b-payments, financial-operating-system

## Description

Connecting your Konfío account through this MCP lets you manage complex small business finances using plain natural language. You don't need to open separate portals for loans, cards, or invoicing. Your agent handles the heavy lifting—checking available limits, generating legally required CFDIs, and initiating transfers.

It’s about controlling cash flow without juggling multiple banking apps. Need to pay down a loan principal? Done. Ready to bill a client? You can emit the invoice and automatically handle compliance requirements. The entire system is managed through your preferred AI client via Vinkius, letting you keep your focus on running the business, not managing the backend clicks.

## Tools

### check_credit_status
Checks your current business rating and eligibility for working capital loans.

### create_invoice
Generates and issues a new, legally compliant electronic invoice (CFDI) to a client.

### create_transfer
Sends money via B2B wire transfer (SPEI) to a supplier or employee.

### get_business_profile
Retrieves general profile information about your connected Konfío business account.

### get_cc_statement
Fetches a complete monthly statement for your corporate credit card account.

### get_credit_card
Retrieves core details and current spending limits for the business credit card.

### get_loan_details
Pulls specific information about a particular active or past loan agreement.

### get_payment_schedule
Retrieves the full amortization schedule, showing when and how much you owe over time.

### list_cc_transactions
Lists all recent transactions associated with your business credit card.

### list_invoices
Provides a list of both invoices you have emitted and those received by your company (CFDIs).

### list_loans
Lists all active and historical business loans connected to the account.

### list_transfers
Displays a log of your previous outgoing B2B wire transfers (SPEI).

### make_loan_payment
Initiates a direct payment from your bank account toward a specific business loan.

### request_credit_line
Submits an official request to increase or establish new working capital credit lines.

## Prompt Examples

**Prompt:** 
```
Show me my latest business credit card transactions.
```

**Response:** 
```
Here are your 3 most recent Konfío corporate card charges: 1. Amazon Web Services — $2,150.00 MXN (Cloud Hosting). 2. Home Depot — $4,300.00 MXN (Office supplies). 3. Uber — $350.00 MXN (Travel). Your current available credit is $145,000 MXN.
```

**Prompt:** 
```
List the last 5 invoices we emitted to clients.
```

**Response:** 
```
Your 5 most recent emitted CFDIs: 1. CFDI-8821: To 'TechCorp SA' for $11,600 MXN (Active). 2. CFDI-8820: To 'Logistics MX' for $5,800 MXN (Active). 3. CFDI-8819: To 'Juan Perez' for $1,160 MXN (Paid). Total emitted this period is $18,560 MXN.
```

**Prompt:** 
```
Make a loan payment of $12,000 for loan LOAN-442.
```

**Response:** 
```
Payment initiated! A direct debit of $12,000.00 MXN is being pulled from your primary connected bank account to pay towards LOAN-442. This covers your minimum installment of $10,500 with $1,500 going directly to the principal balance.
```

## Capabilities

### Managing Loan Obligations
Retrieve details for existing loans and make direct payments toward principal or interest.

### Generating Compliant Invoices
Create and issue new electronic invoices (CFDI) for clients, listing both received and emitted records.

### Tracking Corporate Spending
Pull detailed monthly statements and list recent transactions from your business credit cards.

### Processing B2B Payments
Initiate direct, outgoing wire transfers (SPEI) to suppliers or employees.

### Monitoring Business Health
Check your company’s current credit score status and apply for new lines of working capital.

## Use Cases

### Quarterly Tax Audit Prep
An accountant needs all Q2 financial records for a client. They ask their agent to execute `list_invoices` (both emitted and received) and then run `get_cc_statement`. The agent compiles the complete, structured data set in one go.

### Emergency Vendor Payment
The marketing team needs to pay a critical vendor immediately. They prompt their agent: 'Send $15,000 to Acme Corp.' The MCP uses `create_transfer` to execute the SPEI payment instantly.

### Loan Payment Overdue
The business owner knows a loan payment is due. They prompt: 'Pay my loan LOAN-123 for $X.' The MCP uses `make_loan_payment`, ensuring the funds are debited and the principal balance is updated.

### Credit Limit Check
The founder plans a big purchase. They ask their agent to check both the corporate credit card details (`get_credit_card`) and the business's overall standing via `check_credit_status` before committing.

## Benefits

- Stop juggling multiple financial portals. With Konfío MCP, you talk to your agent once, and it pulls together loan schedules, credit card spending, and invoice data from the source.
- Eliminate manual compliance errors. When generating an invoice using `create_invoice`, the MCP handles all necessary SAT-compliant stamping and formatting automatically.
- Speed up accounting reconciliation. Instead of downloading CSVs for everything, you can ask to `list_cc_transactions` or get a full statement with one prompt.
- Control cash flow instantly. You can check your business credit status using `check_credit_status` before making any large purchase decisions.
- Simplify payments. Need to pay a supplier? Use `create_transfer`; need to pay a loan? The MCP runs `make_loan_payment` and logs the transaction details.

## How It Works

The bottom line is that you tell your AI what needs to happen, and it handles connecting to Konfío to make it real.

1. Subscribe to this MCP on Vinkius and enter your Konfío Business API credentials.
2. Your AI client authenticates the connection, giving it read/write access across all linked financial services.
3. You prompt your agent with a natural query—like 'Pay $5k toward my loan' or 'List invoices for Q2'—and the MCP executes the required tool calls.

## Frequently Asked Questions

**How does Konfío MCP handle invoice compliance?**
The `create_invoice` tool ensures that every electronic invoice (CFDI) is generated with automatic stamping and full adherence to current SAT regulations. You don't have to worry about the legal formatting.

**Can I use Konfío MCP to pay a loan?**
Yes, you can run `make_loan_payment` to initiate payments directly from your connected accounts toward any specified business loan. The system tracks how much goes to principal versus interest.

**What kind of transactions does the MCP track?**
It covers all major SMB financial movements, including B2B transfers via `create_transfer`, credit card usage via `list_cc_transactions`, and official invoicing through `list_invoices`.

**Is this suitable for large enterprises?**
Konfío is designed specifically for SMBs (PYMEs). This MCP provides the tools necessary to manage the unique financial structure and compliance needs of smaller businesses.

**Does Konfío MCP help with credit card spending?**
Absolutely. You can use `get_cc_statement` to pull detailed monthly statements, or `list_cc_transactions` for a quick view of recent charges.