// MCP TOOL REFERENCE

create_beneficiary

ServerMcp Ap2
CategoryFinancial

WHAT IT DOES

What create_beneficiary does on Mcp Ap2

AI agents use create_beneficiary to commit financial operations through Mcp Ap2 — usually the final step of a payment, billing, or trading workflow. A call moves real money.

THE RISK

Critical Risk

Why create_beneficiary needs a policy

This tool sets up a payment recipient with banking details as a precursor to cross-border financial transfers. While it doesn't move money directly, it establishes the financial infrastructure (beneficiary records) that enables payouts. Misuse could redirect funds to attacker-controlled accounts, making it a high-severity financial risk.

From the tool's definition Create a transfer beneficiary (recipient) with bank details... Required before sending cross-border payouts via create_transfer.

Documented attack patterns abuse exactly the kind of access create_beneficiary gives an agent:

POLICY

How to control create_beneficiary

PolicyLayer is an MCP gateway — it sits between your AI agents and Mcp Ap2, and nothing reaches the server without passing your rules. This is the rule we recommend for create_beneficiary:

policy.json

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

Any call to create_beneficiary is blocked until a human approves it. The rest of the server keeps working.

Create a free account and register Mcp Ap2 — nothing to install.
Add this policy — paste it, or build it visually.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

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EXPLORE

Related tools and policies

More Mcp Ap2 tools

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All 1300 Mcp Ap2 tools →

Financial tools on other servers

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Go deeper

Critical-risk tools in Mcp Ap2 → Every critical-risk tool this server exposes, in one view.
All critical-risk MCP tools → Every critical-risk tool across the catalogue, and the policy pattern that contains them.
The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Human-in-the-loop → When a tool call should wait for a person — and when policy can decide alone.
Tool call approval → Approval gates on individual tool calls: auto-allow, prompt, or deny.
How to Add Spending Controls to Any MCP Agent →
Rate Limiting MCP Tool Calls: A Practical Guide →

FAQ

Questions about create_beneficiary

What does the create_beneficiary tool do? +

Create a transfer beneficiary (recipient) with bank details. Required before sending cross-border payouts via create_transfer. Entity type, bank details fields, and required IDs vary by destination country. It is categorised as a Financial tool in the Mcp Ap2 MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on create_beneficiary? +

Register the Mcp Ap2 MCP server in PolicyLayer and add a rule for create_beneficiary: 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 Mcp Ap2. Nothing to install.

What risk level is create_beneficiary? +

create_beneficiary is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.

Can I rate-limit create_beneficiary? +

Yes. Add a rate_limit block to the create_beneficiary 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 create_beneficiary completely? +

Set action: deny in the PolicyLayer policy for create_beneficiary. 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 create_beneficiary? +

create_beneficiary is provided by the Mcp Ap2 MCP server (@codespar/mcp-ap2). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Mcp Ap2 tool call.

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1300 Mcp Ap2 tools catalogued and risk-classified — across an index of 43,000+ MCP servers.