# borrow

Accept a loan offer and receive funds

Agent View of the PolicyLayer registry record for `borrow`. HTML page: https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/borrow

## Facts

- Tool: `borrow`
- Server: MIDAS Protocol (`https://mcp.midasprotocol.org/mcp`) — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol.md
- Homepage: https://github.com/BbrainFrance/Agent_payment_protocol
- Risk category: Financial (Critical risk)
- Registry record: grade F, identity unverified
- Server rate-limited: no
- Parameters: 1 (1 required)
- Recommended policy verdict: Approval-gated

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `offerId` | string | yes |  |

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": "borrow",
    "arguments": {
      "offerId": "<offerId>"
    }
  }
}
```

## Why borrow is rated Critical

This tool initiates a loan agreement and moves money to the agent, creating a financial liability. It falls squarely in the Financial category, which is the most severe. Misuse by an AI agent could result in unauthorized debt obligations and fund transfers, warranting a critical severity rating.

From the tool's own definition: "'Accept a loan offer and receive funds' — directly commits to a financial lending obligation and transfers funds"

## Use case

AI agents use borrow to commit financial operations through MIDAS Protocol, 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 MIDAS Protocol:

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

## Other tools on MIDAS Protocol (43)

- `accept_bet` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/accept-bet.md
- `accept_negotiation` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/accept-negotiation.md
- `book_and_pay` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/book-and-pay.md
- `cancel_subscription` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/cancel-subscription.md
- `counter_offer` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/counter-offer.md
- `create_bet` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/create-bet.md
- `create_contract` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/create-contract.md
- `create_loan_offer` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/create-loan-offer.md
- `create_subscription` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/create-subscription.md
- `fulfill_condition` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/fulfill-condition.md
- `human_approve_negotiation` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/human-approve-negotiation.md
- `reject_negotiation` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/reject-negotiation.md
- `repay_loan` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/repay-loan.md
- `send_payment` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/send-payment.md
- `sign_contract` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/sign-contract.md
- `start_negotiation` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/start-negotiation.md
- `withdraw_usdc` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/withdraw-usdc.md
- `x402_pay` — Financial — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/x402-pay.md
- `blockchain_wallet_info` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/blockchain-wallet-info.md
- `check_balance` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/check-balance.md
- `check_inbox` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/check-inbox.md
- `check_reputation` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/check-reputation.md
- `discover_services` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/discover-services.md
- `get_quote` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/get-quote.md
- `get_service` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/get-service.md
- `list_blocked_agents` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/list-blocked-agents.md
- `list_loan_offers` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/list-loan-offers.md
- `list_open_bets` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/list-open-bets.md
- `my_bets` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/my-bets.md
- `my_contracts` — Read — https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol/my-contracts.md
- …and 13 more: https://policylayer.com/tools/io-github-bbrainfrance-midas-protocol.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=io-github-bbrainfrance-midas-protocol · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-bbrainfrance-midas-protocol