# save_recipient

Save a payment recipient's bank details for future transfers. The user provides the details once, then you can just say 'pay Maria' in the future.

Agent View of the PolicyLayer registry record for `save_recipient`. HTML page: https://policylayer.com/tools/agentpay/save-recipient

## Facts

- Tool: `save_recipient`
- 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: Write (Medium risk)
- Registry record: grade F, identity unverified
- Server rate-limited: no
- Parameters: 7 (1 required)
- Recommended policy verdict: Rate-limited

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `rut` | string | no | Chilean RUT (e.g. '12.345.678-9') |
| `bank` | string | no | Bank name (e.g. 'Banco Estado') |
| `name` | string | yes | Recipient name (e.g. 'Maria', 'Juan the electrician') |
| `email` | string | no | Recipient email for transfer receipts |
| `notes` | string | no | Notes (e.g. 'cleaning, Tuesdays') |
| `account_type` | string | no | Account type (cuenta corriente, cuenta vista, cuenta rut) |
| `account_number` | string | no | Bank account number |

Parameters from the server's own tool schema.

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

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

## Why save_recipient is rated Medium

This tool creates and stores sensitive financial information (bank account details) for future use. While it doesn't directly move money (which would be Financial category), it modifies financial records by saving recipient data.

From the tool's own definition: "Tool description states 'Save a payment recipient's bank details for future transfers' — this is a write operation that creates/stores recipient data."

## Use case

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

## Recommended policy (PolicyLayer)

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

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "save_recipient": {
      "limits": [
        {
          "counter": "save_recipient_rate",
          "window": "minute",
          "max": 30,
          "scope": "grant"
        }
      ]
    }
  }
}
```

## 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_recipients` — Read — https://policylayer.com/tools/agentpay/list-recipients.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

## 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