retrieve_account

THE RISK

Low Risk

Why retrieve_account needs a policy

This tool retrieves personal identifiable information (PII) and account metadata without modifying it. It is a read operation, but the severity is high because misuse by an AI agent could expose sensitive financial and identity verification data at scale. The tool operates within the AP2 payment protocol context, elevating the sensitivity of exposed PII.

From the tool's definition Tool name is 'retrieve_account' and description states it 'Retrieve[s] a Persona account by id' — a data retrieval operation. The description explicitly identifies the data as 'summary PII and linked inquiries / verifications'.

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

POLICY

How to control retrieve_account

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 retrieve_account:

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "retrieve_account": {}
  }
}

retrieve_account is read-only, so it stays allowed — but everything else on the server is denied unless you say otherwise.

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.

CAP THIS TOOL →

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EXPLORE

Related tools and policies

More Mcp Ap2 tools

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All 1300 Mcp Ap2 tools →

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Go deeper

The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Data exfiltration → How read access becomes an exfiltration channel when chained with untrusted content.
MCP token cost → What connecting this server costs in context-window tokens on every request.
Rate Limiting MCP Tool Calls: A Practical Guide →
MCP Security: Why Prompt Guardrails Aren't Enough →

FAQ

Questions about retrieve_account

What does the retrieve_account tool do? +

Retrieve a Persona account by id, including summary PII and linked inquiries / verifications. It is categorised as a Read tool in the Mcp Ap2 MCP Server, which means it retrieves data without modifying state.

How do I enforce a policy on retrieve_account? +

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

retrieve_account is a Read tool with low risk. Read-only tools are generally safe to allow by default.

Can I rate-limit retrieve_account? +

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

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

retrieve_account 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 →