Modulr MCP. Control UK/EU Payments & Ledgers From Your Agent
Modulr MCP gives your AI client control over live European and British payment rails. You can programmatically manage complex B2B accounts, initiate automated payroll runs using direct clearing paths, and audit real-time transaction histories. It's designed for applications needing deep financial infrastructure access.
Give Claude and any AI agent real-world access
Automatically provision new UK and EU bank accounts under specific customer structures.
Trigger fast transfers, like SEPA or Faster Payments, to pay contractors or run payroll.
Check the status of large arrays of transactions to see if they settled or failed.
List all underlying legal entities and customers within your Modulr setup.
Get a detailed audit of payments associated with any specific account.
Ask an AI about this
Waiting for input…
What AI agents can do with Modulr MCP with 7 Tools
These tools allow your agent to perform core functions like creating payments, setting up corporate accounts, and auditing transaction histories across multiple jurisdictions.
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 Modulr MCPModulr Create Account
Creates a new UK or EU bank account for a specific customer entity.
Modulr Create Beneficiary
Maps an external recipient using their Sort Code, Account Number, or IBAN.
Modulr Create Payment
Initiates a direct outgoing payment through Faster Payment or SEPA rails.
Modulr Get Accounts
Retrieves a list of all live accounts and associated liquid funds.
Modulr Get Customers
Lists the underlying legal customer or corporate entities registered in Modulr.
Modulr Get Transactions
Pulls a complete audit of historical transactions for one specific account ID.
Modulr List Payments
Checks the current status and history of large batches of payments.
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 Modulr, 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 Modulr Finance. 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
Manual bank transfers and ledger management are painful today.
Right now, running payroll for contractors across different countries means logging into multiple bank portals. You copy a Sort Code from one sheet, log in to another system to verify the recipient's IBAN, manually initiate the transfer, and then wait hours or days just to check if it actually settled. This process is slow, prone to human error, and impossible to audit quickly.
With this MCP, your agent takes over the entire cycle. You simply tell your client: 'Pay contractors X and Y.' The tool handles checking accounts, formatting the payments for SEPA or Faster Payments rails, running the transfer through secure channels, and giving you back an immediate status report.
Modulr MCP gives you programmatic control over your money moves.
The manual steps that disappear are logging into various banking dashboards; cross-referencing spreadsheets to build payment batches; and spending time on basic error checking. The system handles the secure, cryptographically complex authentication required by European financial networks.
What's different now is speed and reliability. You move from hours of manual clicking and potential human failure to verifiable, automated execution that respects global banking standards.
What Modulr MCP does for your AI
This connector lets you run payments in the UK and EU directly from your AI agent. Instead of manually navigating multiple banking dashboards or writing complex Python scripts to manage transfers, your agent handles it all securely. You can build out entire payment workflows—from setting up a new corporate account structure to running automated payroll for contractors across different jurisdictions.
The system uses highly secure cryptographic hashing so that every action is authenticated correctly with European servers. When you connect this MCP through Vinkius, your agent gets the capability to read live ledger data and check payment statuses in real time. This means whether you're a lending startup validating funds or running routine financial reconciliations, the information comes straight into your workflow for immediate review.
019d75d7-2977-7136-af40-57c08df2cb40 How to set up Modulr MCP
The bottom line is you get programmatic access to complex financial infrastructure without needing to manage API keys or encryption protocols yourself.
First, generate your API Key Profile and underlying API Secret Hash within the Modulr Finance administrative interface.
Second, Vinkius handles the authentication process. It applies a cryptographic hash, generating Nonces and Date Timestamps for every call to secure the connection with European servers.
Third, your AI agent executes the required tool, sending clear instructions that result in live data—like current accounts or payment statuses.
Who uses Modulr MCP
This MCP is for the FinTech developer, the Reconciliation Specialist, and the Startup Founder who manages multi-jurisdictional payments. If your job involves money moving between different countries or checking corporate ledger health, you need this.
They use it to automate payroll runs across multiple EU/UK accounts and confirm that all contractor payouts cleared correctly.
They implement payment validation into a client application, using the MCP to provision new bank accounts for their users on demand.
They audit transaction histories and customer records to ensure regulatory compliance across different legal entities.
Benefits of connecting Modulr MCP
Automate B2B payments. Instead of manually initiating transfers, your agent can use modulr_create_payment to run complex payroll or contractor payouts instantly.
Manage corporate structure easily. Use modulr_get_customers and modulr_create_account to onboard new clients and provision their necessary bank accounts programmatically.
Real-time financial visibility. Running modulr_list_payments allows you to check the status of large payment batches, verifying settlement or identifying failures immediately.
Deep ledger auditing. Need proof of funds? The agent can run modulr_get_transactions against any account to provide a full historical audit trail for compliance.
Map external recipients accurately. Use modulr_create_beneficiary to register new payees using their standard financial identifiers, ensuring your transfers hit the right target.
Modulr MCP use cases
Running multi-country payroll
A founder needs to pay contractors in both the UK and Germany. The agent first calls modulr_get_accounts to verify available funds, then uses modulr_create_payment multiple times to execute all transfers simultaneously.
Client onboarding and account setup
A lending startup needs to integrate a new corporate client. The agent calls modulr_get_customers to verify the legal entity, then uses modulr_create_account to provision their specific working capital ledger.
Reconciling complex transactions
A compliance analyst needs to review a month's worth of payments. The agent calls modulr_get_transactions and combines the data with modulr_list_payments results for a single, auditable report.
Verifying transfer success
A payment gateway needs to know if a massive batch of payouts succeeded. The agent uses modulr_list_payments to check the status array and reports which transfers are settled vs. pending.
Modulr MCP tradeoffs
What to watch out for, and the recommended way to handle each one.
Treating payments like simple data reads
A user thinks they can just read a payment's existence without checking its actual status, leading to failed payouts and incorrect reconciliation reports.
Always use modulr_list_payments or modulr_get_transactions. Don't assume a transfer is complete; you must run these tools to confirm the settlement status.
Ignoring corporate structure
Attempting to send funds using a general account ID without first knowing which legal entity owns it, causing payment failure or compliance issues.
Before any transfer, run modulr_get_customers to list all available entities. Then use modulr_create_account with the correct customer context.
Writing hardcoded API calls
A developer writes specific code for only one country's payment system, which breaks when expanding to a second EU nation.
Use this MCP. It handles the complex cryptographic hashing required by multiple European servers automatically, making your workflow universal.
When to use Modulr MCP
You should use Modulr if your core business function involves moving money or managing corporate ledgers across the UK and EU. This is not a general-purpose database connector; it’s specialized for financial infrastructure. Don't use this MCP if you just need to send internal messages, manage contacts, or store simple records. For those tasks, look for messaging or CRM connectors instead. If you only need to read public data that doesn't involve live money movement (like market rates), this is overkill. You must be able to execute an action—create a payment, provision an account, or audit transactions—to justify using it.
Frequently asked questions about Modulr MCP
How do I use modulr_create_payment with the right currency? +
You must specify the payment amount along with its currency (GBP or EUR) in the request parameters. The MCP validates that the target accounts support the requested currency before initiating the transfer.
Can I use modulr_get_transactions for all my clients? +
No, you must run modulr_get_transactions against a specific Account ID. The tool requires a precise account identifier to pull history and avoid data clutter.
What is the difference between modulr_list_payments and modulr_get_transactions? +
modulr_get_transactions shows the detailed, historical audit trail for one specific account. modulr_list_payments checks the status of large groups or batches of payments you've initiated.
Is this MCP only for UK and EU transfers? +
The tool is explicitly designed for European and British payment rails (SEPA, Faster Payments). It handles the required standards for those regions.
What do I need before running modulr_create_account? +
You must first identify the customer entity using modulr_get_customers to ensure you are provisioning the account under the correct legal structure.