isw_credit_inquiry
Run Transfer Service credit inquiry before bank credit.
This record as markdown: /tools/io-github-dairus01-interswitch-mcp-server/isw-credit-inquiry.md
What isw_credit_inquiry does on Interswitch
AI agents call isw_credit_inquiry to retrieve information from Interswitch without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
Why isw_credit_inquiry is rated Low
A credit inquiry is a read/query operation that checks account details or creditworthiness before initiating a transfer. It does not itself move funds or modify data. However, severity is medium because it retrieves sensitive financial account information, and it is a precursor step to financial transactions on a payments platform.
From the tool's definition 'credit inquiry' and 'before bank credit' — this is a pre-transfer lookup/query step that retrieves account/credit information prior to executing a transfer
Attacks that exploit this kind of access
The rule that runs isw_credit_inquiry safely
PolicyLayer is an MCP gateway: it sits between your AI agents and Interswitch, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For isw_credit_inquiry, this is the rule to start with:
isw_credit_inquiry is read-only, so it stays allowed. Everything else on the server is denied unless you say otherwise.
The button opens the PolicyLayer dashboard: create your workspace, connect Interswitch, apply this rule, and every isw_credit_inquiry call is checked against it from then on.
Questions about isw_credit_inquiry
Run Transfer Service credit inquiry before bank credit. It is categorised as a Read tool in the Interswitch MCP Server, which means it retrieves data without modifying state.
Register the Interswitch MCP server in PolicyLayer and add a rule for isw_credit_inquiry: 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 Interswitch. Nothing to install.
isw_credit_inquiry is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the isw_credit_inquiry 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.
Set action: deny in the PolicyLayer policy for isw_credit_inquiry. 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.
isw_credit_inquiry is provided by the Interswitch MCP server (interswitch-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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