create_openfinance_consent

THE RISK

Critical Risk

Why create_openfinance_consent needs a policy

This tool initiates payment authorization flows or grants financial data access consent under BACEN (Brazilian Central Bank) regulation. The 'payment initiation' aspect directly commits financial obligations, and even the data-access consent pathway can enable subsequent financial transactions against third-party accounts.

From the tool's definition 'Create an Open Finance consent (BACEN-regulated) for data access or payment initiation against a third-party'

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

POLICY

How to control create_openfinance_consent

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_openfinance_consent:

policy.json

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

Any call to create_openfinance_consent 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

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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_openfinance_consent

What does the create_openfinance_consent tool do? +

Create an Open Finance consent (BACEN-regulated) for data access or payment initiation against a third-party. 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_openfinance_consent? +

Register the Mcp Ap2 MCP server in PolicyLayer and add a rule for create_openfinance_consent: 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_openfinance_consent? +

create_openfinance_consent 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_openfinance_consent? +

Yes. Add a rate_limit block to the create_openfinance_consent 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_openfinance_consent completely? +

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

create_openfinance_consent 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.

Start from Mcp Ap2, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.

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