transfer_between_accounts

THE RISK

Critical Risk

Why transfer_between_accounts needs a policy

This tool commits financial obligations by transferring funds between accounts. The combination of instant settlement and no reversibility without additional processes makes it critical severity. Misuse by an AI agent could result in unauthorized fund transfers, making this the most severe category.

From the tool's definition 'transfer between two Itaú accounts' and 'Instant settlement' — directly moves money between accounts with immediate irreversible effect.

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

POLICY

How to control transfer_between_accounts

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 transfer_between_accounts:

policy.json

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

Any call to transfer_between_accounts 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 transfer_between_accounts

What does the transfer_between_accounts tool do? +

TAA — transfer between two Itaú accounts (owned by the merchant or a counterparty). Instant settlement, no BCB fee. 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 transfer_between_accounts? +

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

transfer_between_accounts 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 transfer_between_accounts? +

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

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

transfer_between_accounts 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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