# pay_withdraw

Generate a withdrawal link to pull USDC out of your wallet.\n\n

Agent View of the PolicyLayer registry record for `pay_withdraw`. HTML page: https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-withdraw

## Facts

- Tool: `pay_withdraw`
- Server: Pay Mcp (`@pay-skill/mcp`) — https://policylayer.com/tools/io-github-pay-skill-pay-mcp.md
- Install: `npx -y @pay-skill/mcp`
- Homepage: https://github.com/pay-skill/pay-mcp
- 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": "pay_withdraw",
    "arguments": {}
  }
}
```

## Why pay_withdraw is rated Critical

This tool directly moves money (USDC tokens) from a wallet, making it a Financial category tool. Severity is high because an AI agent misusing this could withdraw funds without proper authorization or send them to unintended addresses. It is not critical because it requires wallet ownership/access and is reversible through redeposit, but it is the most severe category applicable.

From the tool's own definition: "Tool named 'pay_withdraw' with description 'Generate a withdrawal link to pull USDC out of your wallet' explicitly involves moving cryptocurrency (USDC) out of a wallet, which is a financial transaction that commits monetary value."

## Use case

AI agents use pay_withdraw to commit financial operations through Pay Mcp, 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 Pay Mcp:

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

## Other tools on Pay Mcp (14)

- `pay_webhook_delete` — Destructive — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-webhook-delete.md
- `pay_fund` — Financial — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-fund.md
- `pay_mint` — Financial — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-mint.md
- `pay_request` — Financial — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-request.md
- `pay_send` — Financial — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-send.md
- `pay_tab_charge` — Financial — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-tab-charge.md
- `pay_tab_close` — Financial — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-tab-close.md
- `pay_tab_open` — Financial — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-tab-open.md
- `pay_tab_topup` — Financial — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-tab-topup.md
- `pay_discover` — Read — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-discover.md
- `pay_status` — Read — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-status.md
- `pay_tab_list` — Read — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-tab-list.md
- `pay_webhook_list` — Read — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-webhook-list.md
- `pay_webhook_register` — Write — https://policylayer.com/tools/io-github-pay-skill-pay-mcp/pay-webhook-register.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-pay-skill-pay-mcp · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-pay-skill-pay-mcp