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Credentials

Banking tools

Write

These tools are not enabled by default. They are turned on on request and only work for users with Tilopay banking API credentials registered by Tilopay on the server side. Standard MCP access does not include the group; and if a tool is called without those credentials, it replies that they do not exist. To request it, contact us and state that you need the banking API.

What it covers#

Nineteen tools over the banking API: contexts (assignments), credential diagnostics, accounts, balances, full account number, payments, statements, an analytical payments report, validating a destination account, the transfer with its authorization, cancellation and result notice, dual-control approval and closing the banking session.

Thirteen of the nineteen only read information. baas_request_statement generates a read-only document and moves no money. The one tool that sends money is baas_send_transfer, and it does not run on its own: the Banca Cliente portal sends an authorization code to your email, and the transfer only goes out when you answer that code and it is confirmed with baas_confirm_transfer. If the operation is held under dual control, the approver decides it with banca_decide_approval and a code sent to their email. So it cannot run on the model's decision alone.

Accounts are identified with accountType: "IBAN" plus accountValue, dates are RFC 3339 (2026-01-01T00:00:00Z) and assignmentId is only needed when the user has several contexts.

Tools#

These tools are enabled on request and only work for users with Tilopay banking API credentials. They are not part of the default MCP access: Tilopay enables the group case by case. Requires: Credenciales del API bancario de Tilopay registradas por Tilopay para ese usuario.
  • Other BaaS operations

    baas_list_assignmentsbaas_diagnosticsbaas_list_accountsbaas_get_balancebaas_get_account_numberbaas_get_statement_statusbaas_confirm_transferbaas_cancel_transferbanca_decide_approvalbaas_close_session

    Assignments, credential diagnostics, account listing, balance of one account, full account number, status of a statement request, authorizing and cancelling the pending transfer, dual-control approval and closing the banking session.

  • Banking API account balancesRead only

    baas_list_balances

    Lists the real-time balances of the accessible accounts: account, amounts and cut-off date.

  • List banking API paymentsRead only

    baas_list_payments

    Queries (read-only) the movements/payments of one of the merchant's own bank accounts. Indicate the currency (CRC/USD) or the account number from the list: do not write the IBAN. Filters by date, status, currency, method and direction, with cursor pagination.

  • Find a paymentRead only

    baas_search_payment

    Searches for a BaaS payment within an account by exactly one of: paymentId (UUID), publicId (number) or clientReference. Identifiers only from data a tool already returned.

  • Payment detailRead only

    baas_get_payment

    Gets the detail of a BaaS payment by its internal UUID (read-only). Use only identifiers that another tool returned in this same turn.

  • Request an account statementWrite

    baas_request_statement

    Requests the generation of an account statement for a banking API account, with a 60-day maximum range. It moves no money: it generates a read-only document and returns request_id with status PENDING.

  • Banking API payments analystRead only

    baas_analyze_payments

    Analyses, read only, the payments of an account in a date range and returns a natural-language report: success, failures, reversals, net amounts and recommendations. It runs a language model over the computed figures.

  • Validate BaaS destination accountRead only

    baas_validate_destination

    Validates a destination account before transferring: PHONE for SINPE Móvil or IBAN for account transfer. Returns the holder name the bank confirms.

  • Send BaaS transferSensitive

    baas_send_transfer

    Sends a transfer from the merchant's bank account. Default method: SINPE Móvil (destination by phone). For a transfer to an account use accountType=IBAN. The Banca Cliente portal sends the authorization code to the merchant's email and applies its limits; the merchant answers the code and it is confirmed with baas_confirm_transfer.

  • BaaS transfer statusRead only

    baas_get_transfer_status

    The result of a transfer is not queried: the bank reports it here as soon as it has it (portal event).

Last verified: 2026-10-07 · Owner: equipo-integraciones

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