fund_transfer

THE RISK

Critical Risk

Why fund_transfer needs a policy

This tool initiates actual financial transfers of funds, which commits financial obligations and moves money. It operates within the AP2 payment protocol context. Even though the description is incomplete ('Equivalent to clicking' without finishing the thought), the core function—funding a transfer—is unmistakably a financial operation.

From the tool's definition Tool name 'fund_transfer' and description 'Fund a Wise transfer from a multi-currency balance' directly indicate movement of money through a third-party payment service (Wise).

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

POLICY

How to control fund_transfer

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 fund_transfer:

policy.json

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

Any call to fund_transfer 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 fund_transfer

What does the fund_transfer tool do? +

Fund a Wise transfer from a multi-currency balance. Equivalent to clicking. 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 fund_transfer? +

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

fund_transfer 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 fund_transfer? +

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

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

fund_transfer 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.

CHECK YOUR STACK →