actual_transfers_create

Create a paired transfer between two accounts — a debit on the source account and a credit

SERVERActual SOURCEactual-mcp-server

Medium RISK CLASS

Category Write

Parameters 00 required

Recommended Rate-limitedsee the rule below

Registry record Grade F, identity unverified Pull the record →

This record as markdown: /tools/actual/actual-transfers-create.md

WHAT IT DOES

What actual_transfers_create does on Actual

AI agents use actual_transfers_create to create or update resources in Actual, usually the action step of a workflow, after the agent has gathered context. Every call changes real data in your Actual environment.

RISK

Why actual_transfers_create is rated Medium

This tool creates new transfer transactions between accounts, which modifies financial data reversibly. While it involves financial accounts, it is a Write operation (creation of transfer records) rather than Financial (which would involve moving actual money, payments, or financial obligations).

From the tool's definition Tool name 'actual_transfers_create' and description 'Create a paired transfer between two accounts — a debit on the source account and a credit' explicitly indicates creation of new financial transfer records.

Attacks that exploit this kind of access

RECOMMENDED RULE

The rule that runs actual_transfers_create safely

PolicyLayer is an MCP gateway: it sits between your AI agents and Actual, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For actual_transfers_create, this is the rule to start with:

actual_transfers_create Rate-limited

actual_transfers_create stays usable, but capped: an agent stuck in a loop can't make hundreds of changes a minute. Everything else on the server is denied unless you say otherwise.

View as policy code

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "actual_transfers_create": {
      "limits": [
        {
          "counter": "actual_transfers_create_rate",
          "window": "minute",
          "max": 30,
          "scope": "grant"
        }
      ]
    }
  }
}

LIMIT THIS TOOL → Instant setup, no code required.

The button opens the PolicyLayer dashboard: create your workspace, connect Actual, apply this rule, and every actual_transfers_create call is checked against it from then on.

FAQ

Questions about actual_transfers_create

What does the actual_transfers_create tool do? +

Create a paired transfer between two accounts — a debit on the source account and a credit. It is categorised as a Write tool in the Actual MCP Server, which means it can create or modify data. Consider rate limits to prevent runaway writes.

How do I enforce a policy on actual_transfers_create? +

Register the Actual MCP server in PolicyLayer and add a rule for actual_transfers_create: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Actual. Nothing to install.

What risk level is actual_transfers_create? +

actual_transfers_create is a Write tool with medium risk. Write tools should be rate-limited to prevent accidental bulk modifications.

Can I rate-limit actual_transfers_create? +

Yes. Add a rate_limit block to the actual_transfers_create rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.

How do I block actual_transfers_create completely? +

Set action: deny in the PolicyLayer policy for actual_transfers_create. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.

What MCP server provides actual_transfers_create? +

actual_transfers_create is provided by the Actual MCP server (actual-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

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