# settle_balance

Charges the saved payment method to settle your outstanding balance. Requires explicit user approval before running. For trial accounts, returns the activation URL instead. Minimum charge: $5.

Agent View of the PolicyLayer registry record for `settle_balance`. HTML page: https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/settle-balance

## Facts

- Tool: `settle_balance`
- Server: AI Cortex Storage (`https://memory.aic0rt3x.dev/mcp`) — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp.md
- Homepage: https://github.com/https://memory.aic0rt3x.dev/mcp
- Risk category: Financial (Critical risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server rate-limited: no
- Parameters: 0
- Recommended policy verdict: Approval-gated

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

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

## Why settle_balance is rated Critical

This tool directly initiates a real monetary charge against a saved payment method. It moves money and commits a financial obligation, placing it squarely in the Financial category — the most severe. Misuse by an AI agent could result in unauthorized charges. The 'requires explicit user approval' note mitigates risk operationally but does not change the classification.

From the tool's own definition: "'Charges the saved payment method to settle your outstanding balance' and 'Minimum charge: $5'"

## Use case

AI agents use settle_balance to commit financial operations through AI Cortex Storage, usually the final step of a payment, billing, or trading workflow. A call moves real money.

## Recommended policy (PolicyLayer)

Verdict: **Approval-gated**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches AI Cortex Storage:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "settle_balance": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}
```

## Other tools on AI Cortex Storage (14)

- `delete_memory` — Destructive — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/delete-memory.md
- `revoke_api_key` — Destructive — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/revoke-api-key.md
- `submit_feature_request` — Financial — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/submit-feature-request.md
- `get_account` — Read — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/get-account.md
- `get_memory` — Read — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/get-memory.md
- `list_api_keys` — Read — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/list-api-keys.md
- `list_keys` — Read — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/list-keys.md
- `list_namespaces` — Read — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/list-namespaces.md
- `list_payments` — Read — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/list-payments.md
- `search_by_tag` — Read — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/search-by-tag.md
- `top_memories` — Read — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/top-memories.md
- `create_api_key` — Write — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/create-api-key.md
- `put_memory` — Write — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/put-memory.md
- `submit_exit_feedback` — Write — https://policylayer.com/tools/dev-aic0rt3x-memory-mcp/submit-exit-feedback.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`

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Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=dev-aic0rt3x-memory-mcp · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/dev-aic0rt3x-memory-mcp