# list_recipients

List all saved payment recipients. Shows names and masked account numbers.

Agent View of the PolicyLayer registry record for `list_recipients`. HTML page: https://policylayer.com/tools/agentpay/list-recipients

## Facts

- Tool: `list_recipients`
- Server: Agentpay (`agentpay-mcp-server`) — https://policylayer.com/tools/agentpay.md
- Install: `npx -y agentpay-mcp-server`
- Homepage: git+https://github.com/sagebhardt/agentpay.git
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server rate-limited: no
- Parameters: 0
- Recommended policy verdict: Allowed

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "list_recipients",
    "arguments": {}
  }
}
```

## Why list_recipients is rated Low

This is a Read operation: it queries and retrieves data (recipient list and account identifiers) without side effects. However, severity is medium rather than low because payment recipient information is sensitive financial data whose exposure could facilitate fraud or unauthorized transfers if an agent misuses the list output to initiate payments to attacker-controlled accounts.

From the tool's own definition: "Tool description states it 'List[s] all saved payment recipients' with 'names and masked account numbers' — a retrieval operation with no modification or execution."

## Use case

AI agents call list_recipients to retrieve information from Agentpay without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Agentpay:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "list_recipients": {}
  }
}
```

## Other tools on Agentpay (16)

- `close_card` — Destructive — https://policylayer.com/tools/agentpay/close-card.md
- `revoke_api_key` — Destructive — https://policylayer.com/tools/agentpay/revoke-api-key.md
- `fill_card` — Execute — https://policylayer.com/tools/agentpay/fill-card.md
- `create_card` — Financial — https://policylayer.com/tools/agentpay/create-card.md
- `pay_checkout` — Financial — https://policylayer.com/tools/agentpay/pay-checkout.md
- `pay_merchant_clp` — Financial — https://policylayer.com/tools/agentpay/pay-merchant-clp.md
- `pay_person_clp` — Financial — https://policylayer.com/tools/agentpay/pay-person-clp.md
- `check_account` — Read — https://policylayer.com/tools/agentpay/check-account.md
- `check_balance` — Read — https://policylayer.com/tools/agentpay/check-balance.md
- `detect_checkout` — Read — https://policylayer.com/tools/agentpay/detect-checkout.md
- `get_card_details` — Read — https://policylayer.com/tools/agentpay/get-card-details.md
- `list_api_keys` — Read — https://policylayer.com/tools/agentpay/list-api-keys.md
- `list_transactions` — Read — https://policylayer.com/tools/agentpay/list-transactions.md
- `agentpay_signup` — Write — https://policylayer.com/tools/agentpay/agentpay-signup.md
- `create_api_key` — Write — https://policylayer.com/tools/agentpay/create-api-key.md
- `save_recipient` — Write — https://policylayer.com/tools/agentpay/save-recipient.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=agentpay · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/agentpay