# Modulr MCP > 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. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** embedded-finance, api-payments, hmac-security, b2b-payments, ledger-management, financial-infrastructure ## Description 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. ## Tools ### modulr_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. ## Prompt Examples **Prompt:** ``` Check our main UK sub-account. View the history array mapped onto it to find pending activity. ``` **Response:** ``` Ledger analysis received intact from the Modulr engine. Validating Account details, your latest block exposes 2 internal pending transfers reflecting cleared Faster Payments routes to standard banks without error. ``` **Prompt:** ``` Initialize a payment stream. Register a Beneficiary named 'DevTeam' pointing to target Sort Code 123456 Acct 98765432. Send £5,000 from Account 'A110' natively. ``` **Response:** ``` Payment routed through Faster Payment nodes seamlessly via API keys validating successful HMAC verification! Target beneficiary successfully populated inside your dashboard bounds resulting natively into £5000 liquid push. ``` **Prompt:** ``` Scan our Modulr operational Customers and list the active instances returning metadata boundaries. ``` **Response:** ``` Operation verified. Modulr confirmed your primary Customer instance identified as: C11XXXX. Available limits are active. ``` ## Capabilities ### Manage corporate accounts Automatically provision new UK and EU bank accounts under specific customer structures. ### Execute outgoing payments Trigger fast transfers, like SEPA or Faster Payments, to pay contractors or run payroll. ### Audit payment streams Check the status of large arrays of transactions to see if they settled or failed. ### View customer structures List all underlying legal entities and customers within your Modulr setup. ### Review transaction history Get a detailed audit of payments associated with any specific account. ## 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. ## Benefits - 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. ## How It Works The bottom line is you get programmatic access to complex financial infrastructure without needing to manage API keys or encryption protocols yourself. 1. First, generate your API Key Profile and underlying API Secret Hash within the Modulr Finance administrative interface. 2. 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. 3. Third, your AI agent executes the required tool, sending clear instructions that result in live data—like current accounts or payment statuses. ## Frequently Asked Questions **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.