# isw_bulk_transfer

Send money to multiple bank accounts. High-risk financial operation; requires confirm: true. Max 100 transactions.

Agent View of the PolicyLayer registry record for `isw_bulk_transfer`. HTML page: https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-bulk-transfer

## Facts

- Tool: `isw_bulk_transfer`
- Server: Interswitch (`interswitch-mcp-server`) — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server.md
- Install: `npx -y interswitch-mcp-server`
- Homepage: https://github.com/Dairus01/Interswitch-mcp-server
- Risk category: Financial (Critical risk)
- Registry record: grade F, identity unverified
- Server rate-limited: no
- Parameters: 0
- Recommended policy verdict: Approval-gated

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "isw_bulk_transfer",
    "arguments": {}
  }
}
```

## Why isw_bulk_transfer is rated Critical

This tool moves money (transfers) to multiple recipients, committing financial obligations. It is irreversible and has direct monetary impact. Even with the confirm flag requirement, bulk transfers represent the highest severity category. The ability to transfer to up to 100 accounts in one operation amplifies blast radius if an AI agent is tricked into misuse.

From the tool's own definition: "Tool explicitly described as 'Send money to multiple bank accounts' and flagged as 'High-risk financial operation.' Context confirms this is part of Interswitch payment/transfer APIs."

## Use case

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

## Recommended policy (PolicyLayer)

Verdict: **Approval-gated**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Interswitch:

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

## Other tools on Interswitch (73)

- `isw_block_card` — Destructive — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-block-card.md
- `isw_deactivate_paycode` — Destructive — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-deactivate-paycode.md
- `isw_agency_requery_xml` — Execute — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-agency-requery-xml.md
- `isw_fintech_build_response` — Execute — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-fintech-build-response.md
- `isw_fintech_compute_mac` — Execute — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-fintech-compute-mac.md
- `isw_agency_banking_cashout` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-agency-banking-cashout.md
- `isw_agency_cashout_xml` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-agency-cashout-xml.md
- `isw_airtime_recharge` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-airtime-recharge.md
- `isw_bulk_card_production` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-bulk-card-production.md
- `isw_complete_credit` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-complete-credit.md
- `isw_create_bulk_paycodes` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-create-bulk-paycodes.md
- `isw_create_card` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-create-card.md
- `isw_create_paycode` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-create-paycode.md
- `isw_create_payment_link` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-create-payment-link.md
- `isw_get_airtime_epins` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-get-airtime-epins.md
- `isw_initialize_payment` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-initialize-payment.md
- `isw_initiate_refund` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-initiate-refund.md
- `isw_pay_bill` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-pay-bill.md
- `isw_pay_vas_bill` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-pay-vas-bill.md
- `isw_request_nano_loan` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-request-nano-loan.md
- `isw_salary_lending` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-salary-lending.md
- `isw_single_transfer` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-single-transfer.md
- `isw_value_financing` — Financial — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-value-financing.md
- `isw_agency_get_token` — Read — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-agency-get-token.md
- `isw_block_prepaid_card` — Read — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-block-prepaid-card.md
- `isw_check_debit_balance` — Read — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-check-debit-balance.md
- `isw_check_prepaid_balance` — Read — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-check-prepaid-balance.md
- `isw_confirm_debit_sufficient` — Read — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-confirm-debit-sufficient.md
- `isw_confirm_prepaid_sufficient` — Read — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-confirm-prepaid-sufficient.md
- `isw_credit_inquiry` — Read — https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server/isw-credit-inquiry.md
- …and 43 more: https://policylayer.com/tools/io-github-dairus01-interswitch-mcp-server.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-dairus01-interswitch-mcp-server · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-dairus01-interswitch-mcp-server